Blog

 Aetna Medicare Elite Plan Connecticut

We are giving clients some information about the Aetna Medicare Elite Plan Connecticut.  The Aetna Medicare Elite plan is a Medicare Advantage Plan. This plan offers prescription drug benefits in Connecticut in both Fairfield and New Haven Counties for 2015.  This plan replaced the Aetna Medicare Value plan which was available throughout 2014.  Below is an outline of plan benefits along with links to benefits summaries. Read more

 Medicare Part B Late Enrollment Penalty

Individuals who are eligible and choose not to enroll in Medicare Part B will receive a Late Enrollment Penalty.   Medicare will assess this penalty for those people that do not enroll when first eligible.  Medicare Part B provides coverage for outpatient services.  These services include doctors visits, testing, scans, outpatient surgeries as well as anything else medical done outside of the hospital. Enrollment in Part B for most people is automatic when they turn 65. Individuals usually pay $104.90 a month for part B benefits.  This amount can vary according to your income.

There is a penalty for not enrolling in part B when first eligible to do so.  The current penalty is 10% of the premium for every year that you choose not to elect Part B coverage.   You need to have Medicare A and B in order to purchase a Medicare supplement or Medicare Advantage plan.  What if you have coverage through your employer?  For those age 65 and over actively working and being provided with coverage from an employer it may not make sense to buy part B. Read more

How Medicare Supplements Work

Medicare supplements are insurance plans that provide coverage after Original Medicare A and B benefits.  Some people also call  these plans either Medigap or Med Supps.  There are many plans you can choose from.  All these plan options have standardized benefits from plan to plan.  This simply means that if a company is offering a plan F supplement, the benefits will be the same from company to company.  The only difference in the plans will be in the monthly premium.  As a result, it is very important to compare prices when you decide on which company’s plan you are going to use.

Read more

Market Linked CD’s Can Provide Higher Returns

Market linked CD’s are a good alternative to traditional bank CD’s and annuities.  Bank CD’s are currently yielding 1% on a short term basis and no higher than 3% on a 5 to 7 year term.  Market linked CD’s work differently as they have a guaranteed minimum return (usually .5% to 1%) but have an unlimited upside.  Instead of providing a set return over a period of time, market CD’s base returns on the performance of the securities in the market such as indexes or individual stocks.  If the investment yields a positive return in any given year, a portion is shared with the investor.  If the investment has a negative or neutral return, the investor is credited with the minimum state return such as .5% or 1%.  Market linked CD’s are FDIC insured just like a traditional CD. Read more

Obama Care Income Limits for 2015

In this post we will explain the Obama Care Income Limits for 2015.  February 15th is the cut off to sign up for an Affordable Care Act plan (Obama Care).  In fact, after the 15th, only people with a valid special election can sign up for coverage.  Those with income below the allowable guidelines gain access to health insurance coverage at substantially lower cost than those with standard plans not affiliated with the exchange.  Those within the income limits can enjoy premium reductions of up to 90% .

Read more

Sell Medicare Plans From Home

You might be interested to know you can have a great home based career. If you are willing to do the work this can be great opportunity for you. If you like helping people and providing people with the coverage they need.  You can learn to Sell Medicare Plans From Home.  Insurance agents traditionally sell Medicare plans on a face to face basis.  They usually hold meetings in either clients homes, a public venue or their own office. If they have one.  This is how a majority of our agents write Medicare plans.  Although, our top producers rarely if ever go out to meet with new prospects or current clients.   They write and retain Medicare plans from their home every day without the need to travel and are consistently our best producers.  While Medicare supplements are often the most popular plans to sell online, some agents do also offer Advantage and part D plans.

Through trial and error we have learned the most efficient and effective way to sell Medicare from your home or office without face to face meetings.  With hard work and dedication our strategy is a fantastic way to build a big book of business quickly. We work with both new and existing agents.  Let us help you start to build a  good client base and become a successful agent.  We provide a 100% free Medicare lead program. In fact, we provide training  both via webinar and in person. In addition, we will pay licensing costs for new agents.  We offer all our agents full support.

Getting Started

Existing agents should either contact us or start with our here.  Those individuals that do not have a license and who want to become an agent, should start with our Becoming a Life and Health Agent blog.  Please  either call our office at 203-796-5403 or email admin@croweandassociates.com with questions.  We are here to help you succeed and are happy to do so!

In order to sell from home, you need to enroll members online and over the phone.  Our online enrollment platform called Connect4Medicare allows agents to enroll members online.  Click here for recorded webinar!