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Medicare Supplement Rates Connecticut 2014

Medicare Supplement  Rates Connecticut 2014.  The Medicare supplement plans (also called Medigap) are standardized in the state of Connecticut. This means that plan benefits can not vary from company to company.  If a company is offering a Plan F supplement, the benefits must be the same regardless of the company offering it.  The only difference is the monthly premium.  Traditionally, the most popular plan in CT has been plan F.  AARP currently holds the best plan F price at $218.50 a month but Combined has released a plan for $214.57 a month starting in April of 2014.  Plan N and L have started to gain popularity in the last 24 months with many consumers enrolling in them as a lower cost alternative to plan F.

The state of Connecticut is a guaranteed issue Medigap state. This allows the insured to change from one supplement to another anytime during the year.   The state of CT does not allow underwriting on Medigap plans.  There is a 3 month waiting period for those that did not have any type of plan (Medicare Advantage or Medigap) prior to signing up for a Medigap plan.  The 3 month wait would not be applicable to those with a qualifying event.

CLICK HERE FOR ACCESS TO MEDICARE SUPPLEMENT RATES 2014 CONNECTICUT

Crowe and Associates is always happy to help you with either healthcare or investment needs.  We want you to feel comfortable with the plan you choose. Your plan has to fit both your healthcare needs as well as your budget.

If you would like more information about Medicare, please contact us.  You can reach us either by phone at (203)796-5403 or by email at admin@croweandassociates.com.

Changing Medigap Plans

Changing Medigap Plans is not impossible.  Medigap plans (Also called Medicare Supplements) can be changed the first of any month in Connecticut.  This change can be made internally from one Medigap to anther in the same company.  You can also change from one company to a different company.  This is allowed because Connecticut is considered a guaranteed issue state for the Medigap plans.

As a quick example, if someone is in an AARP plan F and wants to move to an AARP plan N supplement, they may do so the first of any month.  Likewise, if they want to move from an AARP supplement over to an Anthem BCBS supplement, they may do this as well.  Again, the change will take place the first day of the following month.

People often confuse the rules regarding Medicare Advantage and Stand Alone Part D plans with Medigap plans.  The rules for making changes (Nov 15th to Dec 7th for a Jan 1 change) only apply to Advantage and Part D plans.  These rules do not include the Medicare supplement plans.

Looking for more information on Medicare supplement plans?  Click Here

Crowe and Associates is a full service brokerage.  In addition to Medicare, we offer our clients council on medical, dental, life, as well as home insurance products.  We also offer advice regarding investment products including both annuity and bridge loan products.

Click here to learn about all of our services.

Do not let health insurance scare you.  Crowe and Associates is here to help you  to choose a plan that suits both your medical needs and your budget.

If you have any health care coverage needs or questions, please contact us.  You can reach us either by phone at (203)796-5403 or by email at admin@croweandassociates.com.  We are also available to help you with investment opportunities or questions.

Cigna Plan G Medigap CT Alternative Plans

We want to give you some information about Cigna Plan G Medigap CT Alternative Plans.   Cigna is an insurance company with A+ rating in their industry.   They have come out with a plan G supplement in Connecticut at the rate of $203.28.  This is the first competition to the AARP plan F supplement to come out in a long time.   AARP plan F through United Healthcare is currently priced at $220.75 a month.

Plan G covers all of the benefits covered by plan F with the exception of the Medicare Part B deductible of $147.00.  If you do the math and add up the Cigna plan G premium plus the part B deductible it comes out about $62.00 less than the annual premium for the AARP plan F.  Keep in mind that once the part B deductible is paid, the Plan G supplement has the exact same benefits as plan F.

Plan G through Cigna provides a solid alternative Medicare supplement plan to those that may not want to be in an AARP sponsored Medigap plan.

Want to Learn More About Medigap (Medicare Supplements) CLICK HERE

Crowe and Associates is a full service brokerage.   We are able to offer clients council on medical, dental, life, long as well as short term care insurance.  Annuity and bridge loans are great investment opportunities we can also facilitate for you.  We also offer clients in New York and Connecticut home and auto products.

For additional information, you can either call us at 203-796-5403 or email us at admin@croweandassociates.com.  We are here to help you feel comfortable with your insurance choice.  In fact, if you need answers to any insurance or investment questions, we can help you.

Medicare Supplement Medigap Plans

Medicare supplement Medigap Plans, sold by private companies, can help pay some of the health care costs that  Original Medicare A and B doesn’t cover, like copayments, coinsurance, and deductibles.

Some Medigap policies such as Plan F, G and N also offer coverage for services that Original Medicare doesn’t cover. These services include, medical care when travelling outside of the country.  If you have Original Medicare A and B and you buy a Medicare Supplement policy, Medicare will pay its share of the  Medicare-approved amount for covered health care costs. Then your Medigap policy pays its share depending on which plan you purchase.

A Medigap policy is different from a Medicare Advantage Plan. (MA or MAPD)  A Medicare Advantage plan is primary instead of Original Medicare being primary.

If you are looking for Medicare Supplement (Medigap) applications, CLICK HERE or email Edward@croweandassociates.com

Important things to know about Medigap policies

1. You must have Medicare A and B in order for a Medicare Supplement to provide coverage
2. If you have a Medicare Advantage Plan, you can apply for a Medigap policy.  Although your Medigap plan will not work unless you dis enroll from the Medicare Advantage plan.
3. You pay a monthly premium for your Medigap policy in addition to the monthly Part B premium that you pay to Medicare.
4. A Medigap policy only covers one person. If there is a husband and wife, you must each buy a plan if you both want coverage.
5. You can buy a Medigap policy from any insurance company that’s licensed in your state to sell one.
6. Any standardized Medigap policy is guaranteed renewable.  You can not be cancelled due to health complications.
7. Medigap plans no longer include prescription drug coverage.  If you also want drug coverage, you need to purchase a Part D Prescription drug plan.

Medigap policies don’t cover everything

Medigap policies do no cover  long-term care , vision or dental care, hearing aids, eyeglasses, or private-duty nursing.

The following policies are not Medigap plans

Some types of insurance aren’t Medigap plans (Medigap plans are secondary to Medicare, the following are not)

• Medicare Advantage Plans (like an HMO, PPO, or Private Fee-for-Service Plan)
• Medicare Prescription Drug Plans
• Medicaid
• Employer or union plans, including the Federal Employees Health Benefits Program (FEHBP)
• TRICARE
• Veterans’ benefits
• Long-term care insurance policies
• Indian Health Service, Tribal, as well as Urban Indian Health plans

Want To know the difference between Medigap and Medicare Advantage? CLICK HERE

Vantis Life Sales Contract North Carolina

Vantis Life Sales Contract North Carolina offers a number of products in North Carolina including the Guaranteed Golden Product.  Guaranteed Golden is a life insurance policy for people from ages 50 to 80 that is 100% guaranteed.  There are no health questions.  In fact, anyone in the applicable age range who applies can obtain a contract.   The policy has the lowest rates for a guaranteed issue life plan available.  Additionally, it will  build up a cash value over time.  The plan works very well for agents that currently write both Medicare and also final expense business.

Crowe  and Associates can set up both independent sales people and agents with a direct pay contract.  Agents can receive their commission  pay directly from Vantis.  We can also set up agency contracts at the GA level.  The contract will  also allow for downline agents to receive pay directly from Vantis.  The override pay will go directly to the agency.

You can either call us at 203-796-5403 with any questions or email us at Edward@croweandassociates.com.  Crowe and Associates is happy to help you with any health insurance or investment needs you might have.  We want you to feel comfortable with your choice of health care coverage providers.  We can find a plan that will fit both your health needs and your budget.  Please contact us if you would like more information.

CLICK HERE FOR  LIFE SALES VANTIS CONTRACT NORTH CAROLINA

Vantis Life Sales Contract Georgia

Vantis Life offers a low cost guaranteed issue final expense plan called Guaranteed Golden. You should read this post if you have any interest in this policy.   The policy is offered in face amounts of $5,000,  $10,000, $15,000 as well as $20,000.  This is a 100% guaranteed issue plan.  In fact, the plan does not have any type of medical questions to answer.   Both brokers and agents can offer the Vantis plan to their clients who reside in Georgia.  Additionally, we are able to set up GA contracts for agencies if they are interested.

Vantis will not issue a writing number until a client application has been submitted.   Please note however that Georgia is not a same time state. Therefore,  you must submit you contracting paperwork first before you can turn in an application.  If you have questions regarding this product, please contact us.  You can either call our office at 203-796-5403 or email us at Edward@croweandassociates.com.

CLICK HERE FOR LIFE SALES CONTRACT VANTIS GEORGIA

Vantis Life Sales Contract Tennessee

Crowe and Associates is offering agents some important information about Vantis Life Sales Contract Tennessee.  If you are looking to sell the best priced Guaranteed Issue life insurance plan in Tennessee, Vantis life is the right choice.  The Guaranteed Golden Plan is a 100% guaranteed issue plan. In fact, there are no health questions or knockout questions of any type.  These policy rates are surprisingly low for a policy that guarantees acceptance to everyone who applies.   Additionally, the policy will build a guaranteed cash value over time.

We have the ability to set up contracts for both individuals and agencies in Tennessee.  Agents will receive commission pay directly from Vantis.  Although, Vantis pays the overrides directly to the agency.  After the agency receives the override pay they will send that amount to the agent.  The client can pay the policy premium either by receiving a bill from the company  directly or set up on a  automatic draft through a checking account or a credit card.

CLICK HERE FOR THE VANTIS –  LIFE SALES CONTRACT FOR TENNESSEE

Please contact us if you have any questions about health insurance or investments.  We will be happy to answer you.  You can reach us either by phone at 203-796-5403 or by emailing Ed at Edward@croweandassociates.com.  We are a full support agency.   We want to see all our agents succeed and will do whatever we can to make that happen.

Vantis Life Sales Contract Wisconsin

Crowe and Associates wants to offer agents a chance to sell policies for Wisconsin residents therefore, we are offering Vantis Life Sales Contract Wisconsin.  In fact, Crowe and Associates is an FMO.  We are located in Connecticut.  We offer Vantis life sales contracts to both agent and broker as well as  GA contracts for insurance agencies.  Vantis life offers a number of products in Wisconsin. In fact, the most popular product is the Guaranteed Golden Final Expense plan.  The product has very good rates for a guaranteed issue life offering and is available in tough insurance states including WI and NY

The GG plan is a good fit for brokers and agents that run final expense and Medicare appointments. It is also a great addition for an agency that already has down line agents.  Vantis will administer the payments to the down lines along with the overrides to the agencies. Vantis will not issue a writing number to agents until they submit their first client application.  Rates compare very favorably to other Guaranteed Issue life plans.   A link to contracting has been provided below.

If you have additional questions, you may either call our office at 203-796-5403 or email us at Edward@croweandassociates.com.  We are a full support agency, we are here to help all our agents succeed.  Please feel free to contact us if you need help with your sales.

CLICK HERE FOR THE VANTIS –  LIFE SALES CONTRACT FOR WISCONSIN

Vantis Life Sales Contract Pennsylvania

Crowe and Associates wants to offer it’s agents a chance to sell  insurance in the state of Pennsylvania.  Therefore, we are offering agents achance to get a  Vantis Life Sales Contract Pennsylvania.  We now offer Vantis life contract for both agents and brokers as well as GA contracts for insurance agencies.  Vantis life offers it’s clients a number of products.   In fact, the most popular product they are offering to clients is the Guaranteed Golden Final Expense policy.  This  product has very good rates for a guaranteed issue life offering and is available in tough insurance states including NY.   Guaranteed Golden has now received approval for sale in Pennsylvania.

This is a great addition to any agents product line. The Vantis plan is a perfect fit for brokers that are running either final expense and/or Medicare appointments. Vantis will not issue a writing number to agents until  they submit their first client application.  You may turn in your appointment paperwork and an application at the same time.   A link to contracting has been provided below.

CLICK HERE FOR THE VANTIS –  LIFE SALES CONTRACT FOR PENNSYLVANIA

If you have additional questions, you may either call our office at 203-796-5403 or email us at Edward@croweandassociates.com.  We are here to give all our agents full support. We want our agents to be successful and are happy to help get that done.

Medicare Advantage Plan Connecticut

This post is for Medicare Advantage Plan Connecticut –  A Medicare Advantage plan is an insurance plan offered by a private insurance company.  Advantage plans are also called Part C plans as they are filed under Part C of Medicare.   When someone enrolls in a Medicare Advantage plan, they are taking a plan that replaces original Medicare A and B.   This means that when they receive medical services, the providers will bill the Medicare Advantage plan and not Original Medicare.   If the member discontinues the Advantage plan, they will go back to original Medicare A and B.

Medicare Advantage plans are copay plans.

The member would need to pay copays for medical services received from providers.  Copays vary in amount depending on the type of service received.   Some examples based on plans in Connecticut…

Primary doctor visits- copay ranges from $10 to $30 a visit depending on the company

Specialist doctor visits- copay ranges from $30 to $50 a visit depending on the company

Major Radiology- Can be a 20% cost share or copay ranging from $100 to $275 depending on the company.

This is just a quick example.  (There is a link below to all the plan benefit summaries for Connecticut plans below. )

Medicare Advantage plans also come with drug coverage (They include a Part D drug plan with the coverage).   These Part D plans are very similar to many of the Part D drug plans you would purchase on a stand alone basis.

Bottom Line:  With a Medicare Advantage plan you include your medical as well as your drug benefit in one package.  In fact,  in Connecticut, there are 5 companies that currently offer Medicare Advantage plans.  Finding the right one can take some time.

CLICK HERE FOR BENEFIT SUMMARIES AND APPLICATIONS

CLICK HERE TO SEE HOW AN ADVANTAGE PLAN IS DIFFERENT THAN A MEDICARE SUPPLEMENT