Crowe & Associates


Medico/Wellabe Ancillary Products

Medico/Wellabe Ancillary Products

If you are a healthcare agent who wants to ensure your clients have all the protection they need, Medico/Wellabe Ancillary Products provides a wide variety of product choices. Please note; As of June 2023, Medico has launched it’s new brand, Wellabe.

Ancillary product sales are an important component of your sales portfolio. They fill in the coverage gaps left by traditional health coverage and provide clients peace of mind as well as asset protection.

Product availability

The ancillary products offered by Medico/Wellabe include dental, Hospital Indemnity, First Diagnosis Cancer Insurance, Short-term Care insurance. Important; product availability varies by state, all products are not available in every area.

Dental Insurance

With the high cost of dental care, dental coverage is something everyone needs to have. Finding a good plan with a strong network can save enrollees a good deal of hard earned cash and is key to getting the proper dental coverage.

Click here to see if a dental provider is in-network

Wellabe offers 2 plan options; the Gold and the Platinum plan. Each of the plan has 2 coverage levels. The coverage levels of each plan are as follows: First level coverage benefit is $1,000. The second level of coverage offers a benefit of $1,500. Both plans offer the option to purchase a buy up of $1,000 additional coverage. Plans also provide a carry-over benefit rider that allows enrollees to carry unused benefits over to the following year.

Hospital Indemnity Insurance

Hospital Indemnity plans provide a cash benefit if a client is hospitalized for either an injury or illness. These plans area great choice to add to a Medicare advantage or ACA plan as a safeguard for your client’s assets.

Plans provide coverage for hospital confinement, Inpatient mental health, Observation Unit, transportation & lodging (if traveling at least 50 miles for treatment) as well as an Emergency room benefit.

The policy highlights include; Guaranteed issue period for applicants between the ages of 60-79. This is based on the date they sign the application. Underwriting uses a simple application with only 9 health questions. A household discount of 7% is available to enrollees in the same family (not applicable in PA).

Agents that want to contract with Crowe to offer these products, click here

If you are already a Crowe agent and want to add these products, click here

Cancer Insurance

Sadly, most of us know someone who has been diagnosed with cancer. Not only does this create a difficult journey for the patient but it also comes with large out of pocket expense that can add unneeded stress to the situation. If a client is on a Medicare Advantage plan, they could be stuck paying a 20% co-pay for chemotherapy as well as radiation and that can add up fast.

First diagnosis cancer plans pay the beneficiary a tax free, lump sum if they are diagnosed with cancer. Clients can use the payment any way they need to.

The policies are guaranteed renewable as long as payments are current. There is a 10% household discount available to members of the same house who are over 18 when policies are issued together. Plans offer cash benefit amounts from $10,000 up to $25,000. Enrollees have the option to purchase an inflation protection rider that increase the benefit amount by 5% each year. It is easy to apply for coverage with only 3 questions and policies are available to anyone ages 18-79.

Short-Term Care Insurance

Short-term care insurance is an affordable way for clients to protect their assets in the event they need either care in a facility or extended home care. Plans cover both medical and non-medical care. These plans are indemnity based and not a reimbursement.

Learn why ancillary products are a great add on for Med Supp & MA sales

Wellabe offers 2 plans; Essential Care and Essential Care Plus as well as a limited benefit rider. Some of the plan highlights include:

Household improvements – $500 indemnity benefit that includes household modifications such as installing ramps, widening doorways or modifying a bathroom.

Care coordination – $500 indemnity benefit that pays when the enrollee needs help setting up a care plan.

Household discounts – 7% discount for one applicant who lives with someone over 40. A discount of 14% applies when two people over 40 are issued a policy. There are also other opportunities for discounts available.

Rider benefits include nursing facility rider, adult day care rider, inflation protection and a return of premium minus claims rider.

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Why choose a Medicare Supplement

Because agents need to present all options to their clients, they need to be able to answer the question; why choose a Medicare Supplement. This is especially true due to Medicare Advantage plan changes scheduled to take place in 2025. Some of these changes will include discontinuing some added benefits and higher co-pays for some services. For this reason as well as some we list below, clients may be more inclined to enroll in a Medicare Supplement plan

Click here to watch a video on the MA plan changes for 2025

Reasons to choose a Medicare Supplement

Due to the fact that as people age their health care needs tend to grow, most individuals require more comprehensive healthcare coverage. For many people Medicare is the cornerstone of their healthcare plan. However, while Medicare offers substantial coverage, there are gaps that can leave individuals with unexpected medical expenses. This is where Medicare supplement (Medigap) plans, come into play. Here are some good reasons your clients might opt for a Medicare supplement plan.

Fill the Coverage Gaps

Medicare Parts A and B provide coverage for hospital stays, doctor visits, and approved medical services. However, they don’t cover everything. Because things like deductibles, coinsurance, and copays can quickly add up, Medicare supplement plans are designed to fill these gaps. They help cover expenses such as copays, coinsurance, and deductibles, thereby reducing out-of-pocket costs for beneficiaries.

Freedom to choose healthcare providers

One of the best benefits of a Medicare supplement plan is the freedom to choose your healthcare providers. Unlike Medicare Advantage plans that require enrollees to use only in-network providers or pay a higher price, Medicare Supplement plans allow enrollees to use any doctor or hospital that accepts Medicare assignment. In other words, they can use any healthcare provider they need without worrying about network restrictions.

Medical coverage while traveling abroad

Medicare supplement plans provide coverage for emergency medical expenses enrollees incur while traveling abroad. While Original Medicare typically does not cover healthcare services outside of the United States (with a few exceptions), certain Medicare Supplement plans provide coverage for emergency care during foreign travel. This is an important benefit for seniors who enjoy traveling or have family members living abroad.

Predictable costs

Because Medical expenses can be unpredictable, it can be a challenge to budget for healthcare costs, especially during retirement. With a Medicare supplement, enrollees know exactly what their monthly premium is, as well as any out-of-pocket costs for covered services. This predictability can provide peace of mind and financial stability, allowing you to focus on enjoying your retirement years.

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Guaranteed renewable

Medicare supplement plans are guaranteed renewable. This means the insurance company cannot cancel coverage as long as premiums are paid on time. This reassures that enrollees have continuous coverage, regardless of changes in health or medical history. Additionally, once enrolled in a Medicare supplement plan, beneficiaries have certain rights and protections, including the ability to switch plans without being subject to medical underwriting.

Find out about Medicare Supplement Guaranteed issue rights.

    Enrolling in a Medicare supplement plan offers many benefits, including filling the coverage gaps left by Original Medicare, freedom to choose healthcare providers, emergency coverage for medical expenses while traveling abroad, predictable costs, and guaranteeing renewable coverage. By investing in a Medicare supplement plan, enrollees safeguard their health.

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    Permission to contact rules

    Before agents can make a sale, they need to find potential clients. In order to do this in a compliant way, you must follow the permission to contact rules.

    What is Permission to Contact

    Before we discuss the rules that apply to permission to contact, we will explain what permission to contact or (PTC) is.

    Because there are agents who have pressured Medicare beneficiaries into purchasing a plan that may not fit their needs, these guidelines were put in place. They protect beneficiaries from receiving unsolicited communications from agents trying to sell them healthcare products. When a Medicare agent wants to contact potential clients, they need to follow the CMS marketing and communications guidelines.

    Click here to watch a video on the Medicare marketing rules

    In order for an agent to be compliant and receive permission to contact, the potential client must initiate contact. The beneficiary must grant the agent permission before the agent contacts them. Agents should document the PTC. Please be aware, agents do not need a PTC to contact current Medicare clients.

    When to get a PTC

    Any time an agent plans to speak with a potential Medicare client, they need to obtain a PTC. This is very important if you will discuss Medicare Advantage or PDP plans. If you plan to discuss a Medicare Supplement plan, you will most likely need to discuss a PDP plan as well. Although CMS rules do not apply to Medicare Supplements, the TCPA guidelines do apply. That is why, it is important to get PTC whenever you plan to contact a potential client for any sales meeting.

    Please note; you do not need a PTC to send out unsolicited emails to potential clients. All emails must contain an option to opt-out and the email must not contain information that would classify it as marketing material. That is anything with specific benefits or plan information that could sway a potential client towards a specific plan choice. All email communications must follow the CAN SPAM Act laws.

    How to collect PTC

    Now that you know you need a PTC, you need to know how to get it. Take a look at some guidelines below for what you can and cannot do.

    Find out how RetireFlo can collect a PTC and SOA for you and so much more

    Some things you can do:

    1. Have plenty business cards with your contact information available at all events you attend. That way if anyone wants to contact you, they will be able to. Current clients may ask for your card to give to their friends or family if they need advice.
    2. If you have a website, make sure there is a contact form on it so clients can request that you contact them.
    3. When you send out emails, be sure to include your contact information as well as a contact form if they want more information or assistance.
    4. Business reply cards are also a way to obtain PTC. If the prospect wants more information, they just fill out the card and send it back to you.

    Some things you cannot do:

    1. Agents are not permitted to go door-to-door looking for clients. If you do not have a scheduled appointment, you cannot go to someone’s home.
    2. Do not initiate a direct message to a prospect through any social media platform.
    3. Never cold call prospects to offer them either a Medicare Advantage or PDP plan.
    4. Do not contact a friend or relative of a current client without their permission. Each individual needs to grant PTC.

    After you have the PTC, it is good for up to 12 months. If you have not contacted the prospect within that time frame, you will need another PTC before attempting to contact them.

    What’s the difference between a PTC and a Scope of Appointment

    Although PTC and a Scope of Appointment serve a similar purpose, they are not the same. Both procedures are in place to protect Medicare beneficiaries from agents who use unfair sales practices. Once you have PTC, you can contact the prospect and at that point, you can collect a Scope of Appointment. The SOA is a form that specifies what healthcare products the beneficiary wants to discuss during their appointment with the agent. Learn the rules for SOAs.

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    What Does Final Expense Cover

    Final expense insurance, sometimes referred to as burial insurance or funeral insurance, provides peace of mind and financial assistance during a difficult time. But what does final expense cover? We will try and answer that question.

    What is Final Expense Insurance

    Final expense insurance is a type of life insurance policy that covers the costs associated with a person’s funeral, burial, or cremation. It may also provide coverage for outstanding medical bills or other debts. Unlike traditional life insurance policies, which have larger payouts and longer terms, final expense insurance provides lower benefit amounts designed to cover specific end-of-life expenses.

    Learn why you should offer ancillary products – watch a YouTube video

    What it Covers

    Funeral Expenses

    The most common use of final expense insurance is to cover the costs of a funeral or memorial service. Expenses for these services may include the casket or urn, embalming, transportation of the body, viewing or visitation services, and funeral home service fees.

    Burial or Cremation Costs

    There are also expenses for burial or cremation, including cemetery plots, cremation fees, headstone or marker costs, as well as fees associated with the interment or scattering of ashes.

    Outstanding Debts

    In addition to funeral and burial expenses, beneficiaries may also use final expense insurance to pay off outstanding debts or bills owed by the deceased. This may include medical bills, credit card debt, or other financial obligations.

    This insurance coverage can also help cover costs associated with legal and administrative tasks that take place after a loved one’s death. These fees may include probate fees or estate settlement costs.

    Flexible Use of Funds

    Unlike other types of insurance policies that have strict guidelines on how beneficiaries use the funds, final expense insurance gives beneficiaries the flexibility to choose how they use the money. This allows them to use the funds where they need to most during a difficult time.

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    Why buy Final Expense Insurance

    Financial Protection

    Final expense insurance provides loved ones with financial protection during a difficult time. This helps alleviate the burden of funeral and burial expenses. By having a final expense insurance policy, individuals can have peace of mind knowing that their end-of-life expenses are covered, sparing their loved ones from the financial burden.

    Easy to Qualify

    Final expense insurance policies are usually easier to qualify for than traditional life insurance policies. This makes them accessible to individuals who may not qualify for other life products due to age or health conditions.

    Fixed Premiums

    Many final expense insurance policies offer fixed premiums, this means the cost of the policy stays the same over time. This makes it easier for clients to budget for.

    Final expense insurance gives clients an opportunity to purchase coverage for the specific expenses associated with a person’s passing. This coverage provides financial protection and peace of mind to both the policyholder and their loved ones. By understanding what final expense insurance covers and its benefits, individuals can make informed decisions to ensure their end-of-life wishes are met and their loved ones are taken care of financially.

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    Aetna Ancillary Products

    In most instances, medical expenses are unexpected. That is why Aetna ancillary products are a great way to help beneficiaries cover out-of-pocket costs and avoid the financial stress of a large expense. Because Medicare beneficiaries have individual needs, Aetna gives agents a way to provide personalized coverage options that fit their healthcare needs and budget. Aetna’s ancillary products are available in 45 states. Plan options include dental, vision & hearing, life products as well as cancer, heart attack or stroke, hospital, home and skilled nursing care.

    Please note; the information in this post provides a brief product description and is for use by licensed healthcare agents. For product availability or details, contact our office.

    Existing Crowe agents who want to add Aetna Ancillary products to their contract; click here.

    If you are anew agent and want to join our team; click here for online contract

    Dental, Vision & Hearing

    There are 2 different plan options in Aetna’s Protection Series. There is the Dental, Vision & Hearing or Dental, Vision & Hearing Plus plans. Either plan option is available to individuals ages 18-89 who are located in plan’s service area. Plan benefits start at $1,000 and goes up as high as $5,000 (where applicable). Both plans provide in and out of network coverage and include a $100 per policy deductible. Benefits are paid to the insured unless assigned to the provider.

    Final Expense whole life

    Aetna offers a two different final expense whole life options. They have plans through Accendo Insurance Company as well as Continental Life Insurance. Issue ages range from 40-89, depending on the policy choice. Face amounts for each policy range from $2,000 to $50,000. The maximum amount of each policy depends on several factors including the age of the applicant. Riders are available on some plans.

    Cancer Heart Attack or Stroke

    The issue ages for Cancer, Heart Attack or Stroke policies is ranges from 18-89 with benefit amounts of $5,000 up to $75,000. Insured may opt for several plan choices including; cancer, cancer with recurrence benefit, heart attack or heart attack with recurrence benefit. The enrollee can choose different plan types and benefit amounts. The lump sum benefit is paid directly to either the insured or a designated beneficiary.

    Watch our YouTube video on the importance of ancillary product sales

    Hospital Indemnity

    Hospital indemnity Flex is the plan Aetna offers as part of it’s Protection Series. Issue ages for this coverage ranges from 18-89. The benefits of this coverage include up to: $4,000 hospital admission, $1,000 per day hospital stay. Optional benefits include; $500 day skilled nursing facility care, $3,000 outpatient surgical benefit, $600 emergency room visit or ambulance service as well as $250 outpatient rehab and much more. These benefits pay directly to the insured unless assigned to a provider.

    Recovery Care

    The issue ages for Recovery Care plans is between 50-89. Plans pay indemnity benefits up to $400 daily for either a hospital or nursing facility. This includes assisted living facilities. A rider of $1,200 weekly is available. Benefits pay either directly to the insured or can be assigned to a provider.

    Home Care

    Home Care Plus coverage is available to anyone ages 50-89. Plans offer benefit amounts up to $1,500 weekly or a daily benefit of up to $400. Optional benefits include; lump sum cancer, hospital emergency room or ambulance service. This plan pays benefits directly to the insured or may be assigned to a provider.

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    Please note; agents should check product availability in a specific area before proceeding with any sales quotes.

    If you are a client and need assistance choosing a plan, please contact our office either by email or by phone 203-796-5403.

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    GTL Ancillary Products

    If you are a licensed health agent, you should consider adding GTL Ancillary Products to your offerings. GTL offers several product choices in most states.

    GTL Supplemental Health Products- click here and see what’s available

    Learn the benefits of adding ancillary health products to your sales.

    Here are some of the products that GTL offers to individuals:

    Important; product availability varies by state. If you want to check what’s available in your area;

    click here for GTL product state approval lists.

    Hospital Indemnity

    GTL offers Advantage Plus Elite Hospital Confinement Indemnity Insurance to help with the expenses associated with a stay in the hospital such as co-pays, deductibles and other out-of-pocket expenses not covered by a health insurance plan. Medical costs can quickly add up and beneficiaries can use the cash benefit any way they like.

    Beneficiaries receive a cash benefit if they are confined to a hospital or receive any other covered care. The Advantage Plus Elite plan pays between $100 and $750 per day. The amount depends on the plan selected. Plans provide coverage for a period of either 3-10 or 15 days The benefit period resets when the beneficiary is out of the hospital for 60 days. There are also plan options that offer a 1-day benefit period with a $2,500 daily benefit amount.

    Click here for Crowe online contract and add GTL to your products.

    Already a Crowe agent and want to add GTL – Click here

    Cancer Insurance

    Precision Care Cancer Insurance helps policyholders who are diagnosed with cancer access advanced treatments that may not be covered by insurance. Precision Care lets policyholders access TGen’s world class Cancer Physicians and their cutting-edge genomic sequencing services. It also provides cash to pay for the services and the specialized cancer treatments. Learn more about Precision Care, just go to:

    If the beneficiary is diagnosed with cancer, TGen (the Transitional Genomics Research Institute) an affiliate of City of Hope nonprofit medical research institute receives a biopsy of the tumor, and the DNA is sequenced in TGen’s lab. Once this is done, doctors use the findings to suggest treatments that have been used to target the same mutations. For more information about TGen, visit

    Cancer Heart Attack & Stroke Insurance

    GTL also offers Cancer, Heart Attack and Stroke Insurance that provides beneficiaries a lump-sum benefit amount paid directly to them regardless of other health coverage they may have upon diagnosis of cancer or if they suffer either a heart attack or stroke. The amount of the benefit can range to as much as $50,000 for any of the covered diagnoses. The amount depends on the coverage chosen at the time of enrollment.

    Short-Term Care Insurance

    Recover Cash is short-term care insurance that GTL offers to provide coverage for several care options. Options include assisted living facilities, nursing homes, or in the enrollee’s home. Because there are gaps in health insurance coverage, Recover Cash provides a way to pay out-of-pocket expenses. Policyholders have access to TCARE’s Family Caregiver Concierge Services. This service provides support to caregivers to help prevent burnout. Policyholders receive this cash benefit directly and can use it any way they like.

    GTL helps with both financial support and family caregiver support from TCARE. This helps the beneficiary and their family member through a difficult time.

    Short-Term Home Health Care Insurance

    Short-Term Home Health Care Insurance helps cover deductibles and co-pays for home health care services. The policy offers several riders to choose from as well as a Short-Term Home Health Care Aide Benefit and a Prescription Drug Benefit.

    GTL’s Short-Term Home Health Care Insurance pays a daily benefit for many types of home health care services. Benefit amounts depend on the plan selected. There is a maximum benefit period of 360 days. A Licensed health care provider must certify the cognitive impairment or inability to perform at least two of the six activities of daily living (bathing, dressing, eating, continence, toileting or transferring) without substantial assistance.

    Critical Illness Insurance

    Critical Provider Plus is critical illness insurance that helps alleviate the financial hardships that come with a critical illness or accident. Coverage options range from $10,000 up to $100,000. The coverage pays up to two times for two separate critical illnesses. GTL issues policies to anyone from age 18 to 64. Lifetime maximum benefit amounts are between $25,000 and $250,000.

    Please note: the information in this post is for use by licensed insurance agents only and is not intended for use by consumers. If you are looking for an agent to assist with the purchase of one of the GTL products, please contact our office either by email at or by phone 203-796-5403.

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    Dental Vision & Hearing Insurance

    When it comes to health insurance sales, some areas that don’t receive as much attention as they should. Dental vision & hearing insurance fall into this category. Often times, both agents and clients overlook the importance of these products until a problem occurs. However, adding dental, vision, and hearing coverage to a traditional health plan can save the enrollee headaches down the road. Healthcare agents also benefit by adding these products to their sales.

    Learn how ancillary product sales can add income to your business

    Why dental, vision, and hearing coverage is important


    Dental health is about much more than having a pretty smile; it’s an integral part of overall well-being. Poor oral health can lead to various health issues that go far beyond cavities and gum disease. These issues can include heart disease, diabetes, and even pregnancy complications. That is why regular dental check-ups and treatments are crucial to maintaining good overall health. Unfortunately, the price of oral care can be very costly, especially without insurance coverage. When clients are looking for a dental plan it is imperative they choose a plan where their dentist is part of the network. Clients save a significant amount of money on dental care if they use an in-network provider and pay the negotiated rates for oral care.

    Watch a video on our individual dental plan available in all 50 states


    Although eyesight is one of the most important senses, many of us take it for granted. Regular eye exams can help detect vision problems early on, which may prevent more serious issues down the line. Vision insurance helps cover the costs of eye exams, prescription eyewear, and even corrective surgery, like LASIK, in some cases. Many Medicare advantage plans include some dental vision and hearing benefits, although, in most cases, it is not significant coverage. Beneficiaries who purchase stand alone vision insurance plans can easily prioritize their vision health.


    Because hearing loss is more common than you might think, it affects millions of people worldwide. f hearing loss is ignored, it can have a significant impact on quality of life. This can lead to communication difficulties, social isolation, and even cognitive decline. Hearing aids and other hearing assistance devices can be life-changing for those with hearing loss. Unfortunately, they often come with a hefty price tag. Having insurance coverage for hearing can make these life-changing devices more accessible.

    The Benefits of dental, vision, & hearing insurance

    Financial Protection

    One of the most obvious benefits of insurance coverage for dental, vision, and hearing health is the financial protection it provides. Without insurance, the cost of routine check-ups, treatments, and necessary devices can add up quickly. This can put a strain on an already stretched budget. Insurance helps offset these costs, making it easier to prioritize preventive care and address issues as they arise.

    Preventive Care

    Preventive care is key to maintaining good health. Regular check-ups can detect problems early on when they’re easier (and cheaper) to treat. With insurance coverage, beneficiaries are more likely to schedule preventive appointments and stay on top of their overall health.

    Access to Necessary Treatments

    In addition to preventive care, insurance coverage provides beneficiaries the necessary access to treatments if an issues arises. Whether it’s a cavity that needs filling, new glasses or contacts, or hearing aids, insurance helps cover the costs. This helps ensure beneficiaries get the care they need without breaking the bank.

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    Choosing the Right Coverage

    When it comes to dental, vision, and hearing insurance, there are many options available, including standalone plans or coverage as part of a comprehensive health insurance policy. Agents helping beneficiaries choose coverage need to, consider premiums, deductibles, coverage limits, and provider networks. It’s essential to find a plan that meets your client’s needs and budget while providing adequate coverage for the services you’re likely to require.

    Dental, vision, and hearing health are often overlooked aspects of our overall well-being, but they are no less important than other areas of health. Investing in insurance coverage for these areas can provide financial protection, access to preventive care, and necessary treatments when needed.

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    Cancer Insurance

    As a health insurance agent, there are many useful ancillary products available to offer your clients. One of the best products to offer is cancer insurance. Because we all know someone who has faced this diagnosis, we understand the toll in can take on the patient as well as their family. Unfortunately, it often comes with significant financial burden as well as the other challenges it brings. While a patient is struggling to heal and recover, they do not need added stress that treatment costs or loss of income can cause.

    In this post, we go over what cancer insurance is, how it works, and why it’s important to add it to your product offerings.

    Understanding Cancer Insurance

    Cancer insurance is a type of supplemental insurance. It is designed to provide coverage for the various expenses associated with cancer diagnosis and treatment. Although traditional health insurance policies cover some medical costs, cancer insurance provides financial protection and fills the gaps left by standard health plans.

    Watch a video on the value of ancillary health products.

    How does this coverage work

    Normally, cancer insurance operates as a form of indemnity coverage. In other words, if the beneficiary is diagnosed with a covered cancer, they receive a lump-sum cash benefit directly from the insurer. The policy holder can use the benefit at their discretion to cover a variety of expenses related to their cancer treatment and recovery. Some expenses may include the following:

    Medical Expenses

    Cancer treatment often involves many medical procedures, including surgeries, chemotherapy, radiation therapy, and medication. Cancer insurance helps offset some costs associated with treatments, such as deductibles, copays, as well as out-of-pocket expenses.

    Find out about UHC Advantage Guard Hospital indemnity and cancer plans

    Experimental Treatments

    In some cases, individuals may decide to try either experimental or alternative treatments not covered by traditional health insurance. Cancer insurance provides the flexibility for patients to pursue these options by offering a way to afford such treatments.

    Non-Medical Expenses

    There are many costs associated with cancer and some are not medical. In some cases, a patient may need to travel to receive the best care. There can also be costs incurred for home health care services, and maybe childcare expenses for parents undergoing treatment.

    Learn about other coverage options like critical illness insurance, click here

    Income Replacement

    It is difficult for many individuals undergoing cancer treatment to maintain a steady income. They require time off for both treatment and recovery. That is why this insurance is a great way to provide a financial cushion to replace lost income during this period. This allows policyholders to focus on their health and not finances.

    Why this coverage is a good option

    Although there have been many advancements in medical science, a cancer diagnosis remains a life-altering event that can wreak havoc on one’s physical, emotional, and financial well-being. While health insurance provides coverage for some of the expenses, out-of-pocket costs associated with cancer treatments can be substantial. Cancer insurance bridges this gap, offering financial protection and peace of mind during a challenging time.

    Find out about other ancillary health insurance products, click here.

    Additionally, this product is available to individuals of all ages and health. This makes it an accessible option for anyone concerned about the potential financial strain of a cancer diagnosis. Unlike traditional health insurance, this product focuses specifically on the unique needs of cancer patients, providing coverage and support.

    Agents, click here to join the team at Crowe!

    Already a Crowe agent, click here to add ancillary products to your Crowe contract.

    Cancer insurance offers a vital layer of protection to ensure individuals and families confronting this diagnosis can focus on what matters most: their health and well-being. By providing financial support for medical treatments, non-medical expenses, income replacement, and more, cancer insurance offers peace of mind.

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    Best Medicare Supplemental Insurance

    Best Medicare Supplemental Insurance

    Medicare Supplemental Insurance, also known as Medigap, plays an important role in filling the coverage gaps left by traditional Medicare coverage. Traditional Medicare covers about 80% of approved medical expenses, this leaves 20% for the beneficiary to pay. Because there are so many plans available, agents need to understand how to help clients choose the best Medicare supplemental insurance. In this blog, we discuss what Medicare supplements are, why they are essential, and how to find the best coverage for your client’s healthcare needs.

    Understanding Medicare Supplemental Insurance

    Medicare supplements are sold by private insurance companies and cover expenses that are not covered by Original Medicare.  These expenses include, copays, coinsurance, and deductibles. There are 10 plan choices available and each one offers a different level of coverage.  All the plans are standardized by CMS. This means, all plans with the same letter name must provide the same coverage.  The only difference between one plan of the same letter and another is the cost of the plan. This allows beneficiaries to choose the plan that best suits their individual healthcare needs and budget.

    Find out about 2024 Medicare commissions – watch a YouTube video

    Things to consider when comparing Medicare supplements

    1. Different supplement plans offer varying levels of coverage. For example, Plan G provides comprehensive coverage, including all Medicare coinsurance, and copayments, while other plans may offer more limited coverage.
    2. The premiums for supplement policies can vary significantly.  This depends on the plan type, location of client, and insurance company that is offering the plan. It’s essential to consider the monthly premium as well as potential out-of-pocket costs when comparing plans.
    3. Unlike Medicare Advantage plans, which require enrollees to use a provider network, Medicare supplement plans allow beneficiaries to see any healthcare provider who accepts Medicare assignment. This flexibility benefits anyone who needs to see many different providers for one or more health conditions.
    4. When a beneficiary chooses a Medicare supplement policy, it’s important to choose a reputable insurance company with a good financial rating. This gives the client peace of mind knowing they are dealing with a company that will pay their claims and provide reliable coverage.

    Learn about Medicare supplement guaranteed issue rights

    Top Medicare supplement Plans

    Although the “best” Medicare supplement plan depends on individual healthcare needs and preferences, there are a few that are chosen most often by Medicare beneficiaries.

    1. Supplement Plan F provides the most comprehensive coverage.  It pays all Medicare deductibles, coinsurance, and copayments.  Thus, providing beneficiaries with maximum financial protection. The premium for this plan is high, but that is based on the coverage it provides. Unfortunately, this plan is only available to those who turned 65 before January 1, 2020.
    2. Plan G is the most similar to Plan F. This plan covers most Medicare expenses, except for the Part B deductible. It’s a great option for individuals who want comprehensive coverage at a slightly lower premium than Plan F.  It is available to anyone who turns 65 and is eligible for Medicare coverage.
    3. Plan N is another great coverage option.  However, it requires beneficiaries to pay copays for some  services, such as some office visits and emergency room visits. Although, enrollees pay lower premiums than with Plans F or G.  To view a comparison chart of the all the supplements, click here.

    Additional Information

    Important; Plan C & Plan F are not available to those who turned 65 on or after January 1, 2020. Beneficiaries can enroll in these plans if they were eligible for Medicare before January 1, 2020, but have not enrolled yet.

    In some states, there are high deductible options for Plans F & G.  These plans offer a low premium and full coverage once the deductible is met.

    If you are a Medicare agents who wants to offer these plans; click here for online contracting

    When shopping for a Medicare supplement plan, it’s important to:

    1. Evaluate healthcare needs as well as budget.
    2. Compare supplement plans offered by different insurance companies.
    3. Consider coverage options, premiums, and company reputation.
    4. Review the benefits and limitations of each plan carefully.

    Medicare Supplemental Insurance provides Medicare beneficiaries a valuable coverage option. These plans offer peace of mind and financial protection against the high cost of healthcare. Consulting with a licensed insurance agent can provide valuable guidance to understand the complexities of Medicare supplement coverage and selecting the right policy.

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    Ancillary Health Insurance

    Ancillary Health Insurance

    Ancillary health insurance coverage can provide an additional layer of protection for those who need it.  Unfortunately, most health care plans do not cover every need a client has. Ancillary health products address gaps in coverage and offer additional benefits not included in a primary insurance policy.

    Ancillary products include things such as, dental and vision, home health care as well as life products.  These plans provide a diverse array of coverage options.  Beneficiaries can find coverage options tailored to meet their healthcare needs.  In this post we will go over some ancillary health coverage options and why it is a good idea to contract to offer them.

    See why ancillary products are a great addition to your business, watch our YouTube video

    Dental & Vision Insurance

    One of the most requested ancillary health products is dental insurance. Regular dental care, including check-ups, cleanings, fillings, and major procedures such as; root canals and crowns, are not usually covered by standard health plans. In most cases, when these benefits are are included in a Medicare Advantage plan, the coverage is minimum at best.  This leaves the client with a huge bill if they require dental care beyond cleanings. Dental insurance can offset the cost of these services, especially when beneficiaries use an in-network provider. Dental coverage makes it possible for individuals to maintain good oral health without financial burdens.

    Vision insurance works similar to dental insurance. It covers routine eye care services such as, routine exams, prescription glasses, and contact lenses. Because many individuals need vision correction and regular eye exams to maintain good vision health. Vision insurance makes these services more accessible and affordable.

    Long-Term & Short -Term Care Insurance

    Long-term care insurance helps cover the costs associated with extended care services, such as nursing home care, assisted living facilities, and in-home healthcare. Medicare Supplement and Medicare Advantage plans provide limited coverage for long-term care, making long-term care insurance essential for individuals concerned about potential future care needs. Long-term care insurance policies vary in coverage options, benefit amounts, and eligibility criteria.

    Learn more about short-term vs long-term care coverage

    Short-term care insurance is very similar to long-term care in what it covers.  The real differences are in the amount of time the policies cover.  These policies cover care for a period of 1 year or less depending on the coverage option each beneficiary chooses.  It is also much easier to qualify for coverage, there are no waiting periods, and the cost is much more affordable than a long-term care policy.

    Cancer, Heart Attack & Stroke Insurance

    If an individual is diagnosed with cancer or had a heart attack or a stroke, they already have enough to worry about, they do not need to add paying bills to that list.   When it comes to the costs associated with Cancer, Heart Attack and Stroke, insurance that provides coverage for these conditions takes that concern away so beneficiaries can focus on recovery.

    Once a beneficiary is diagnosed with any of these conditions, this coverage provides a lump-sum benefit amount. Beneficiaries receive payment in addition to other health coverage you already have.  The amount of the benefit depends on the plan purchased and provides a benefit of up to $50,000.  More than half the costs incurred with cancer can be non-medical.  Patients may need help paying bills if they or a spouse is unable to work.  The coverage may also provide financial assistance to receive out of network care with other providers.

    Critical Illness Insurance

    Critical illness insurance provides a lump-sum payment in the event of a serious illness or medical condition covered by the policy. This coverage helps individuals manage expenses not covered by their primary health insurance, such as lost income, medical bills, and additional caregiving costs. Critical illness insurance offers financial protection and peace of mind during challenging times, allowing individuals to focus on their recovery without financial strain.

    If you want to add any of these products to your offerings, click here for online Crowe contract

    Crowe agents who want to add a carrier, click here

    Accident Insurance

    Because accidents are unpredictable, it is not easy to guess if or when you need the coverage. Accident insurance is beneficial for anyone who lives an active lifestyle which can increase the possibility of an accident.  When this happens, you may lose pay due to injury especially if you are not eligible for workers compensation.  Accident insurance can help cover costs beneficiaries incur from medical treatments, injuries, hospitalizations, accidental death, dismemberment, or other loss.

    Hospital Indemnity

    Although accident insurance is a good choice to cover an emergency room visit, hospital indemnity insurance provides another option to cover costs if the beneficiary requires an extended hospital stay or several visits for rehabilitation or other care.  Once the beneficiary receives acre, they can submit a claim and, if it is valid, they receive a payment.

    Click here to learn more about hospital indemnity plans

    Disability Insurance

    If a beneficiary is injured and it results in a covered disability, this insurance provides either short-term or long-term protection.  The amount of coverage, like other plans depends on what the beneficiary chooses.  This coverage gives the beneficiary a way to avoid the financial stress that comes from not being able to work. Beneficiaries may receive weekly payments for three months up to a year, depending on the policy. Get more information on disability insurance and what it covers.

    Final Expense Insurance

    Due to the high cost of funerals, many people choose to purchase a Final expense plan.  This can alleviate at least some of the stress that comes from losing a loved one.  A Final Expense plan can provide financial relief for your client’s family. Crowe and Associates’ agents have access to contracts with several top final expense carriers who offer level, graded and guaranteed issue types of plans. in all 50 states.  A few of the carriers we are contracted with are: AIG, Foresters, Mutual of Omaha, TransAmerica, Cigna, Baltimore Life, Columbian Life, Royal Neighbors, and GerberLearn more about Final Expense plans.

    Life Insurance

    Although some employers offer life insurance coverage, the benefits usually rely on your employment.  In the event a beneficiary loses a job or stops working, they may opt to add a supplemental life plan.  There are many choices of life insurance, including term life insurance, whole life insurance and universal life insurance.

    There are a wide variety of ancillary coverage options.  Each individual has their own needs.  A professional insurance agent can provide several options within a client’s budget tailored to supplement primary healthcare coverage.  Adding ancillary products is a great way agents can add a steady stream of revenue to their business.  Agents can add these products to their existing client’s coverage and both agent and client benefits.

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    Contact Us

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    RetireFlo for Medicare agents

    RetireFlo for Medicare agents is an easy to use service that collects all the information an agent needs to know about their client to help them provide the best plan options. It is important to know, RetireFlo follows all HIPAA guidelines and is a compliant tool.

    Here are a few things that RetireFlo offers

    1. A list of drugs, doctors, hospitals and pharmacies the client uses.
    2. Permission to contact form.
    3. 48 hour scope of appointment form
    4. PDF summaries of any important client data you collect
    5. This site offers agents the ability to attache custom logos and headshots to your forms
    6. RetireFlo can integrate the information you collect with Connecture.

    Take a look at our RetireFlo video

    RetireFlo Pricing

    The cost for this truly useful tool is usually $49.99. Crowe agents receive a special discount of 40% off with the promo code “CROWE40”. That come out to only $29.99 per month. Once you see what this tool can do, you will understand what a bargain this is.

    Find out what else the Crowe team has to offer! Watch a YouTube video on our agent programs.

    Click here to fill out an online contract & join the team at Crowe & Associates

    It is so easy to set up ReireFlo

    1. The first step is to visit
    2. Once you are on the site, click on the big blue “Get Started” button in the center of the page. You will answer 6 short questions about yourself and your agency to create an account. You then have a chance to enter our promo code “CROWE40” (use all caps) to get an amazing 40% discount!
    3. After you get to your profile, you see “Welcome, (your name)”, select; “Create a Page” and upload your headshot, state license and page references. It is a good idea to enter any social media accounts you have for your business as well as your website’s URL.
    4. Agents should also enter their business email address in the area that says “Notifications To”, so they receive notifications when a new submission comes in. After you do this, select “Finish & Create”. Now your page is live! It is that easy. You are ready to receive submissions on your own unique RetireFlo survey. New users may want to complete a few practice surveys so they are familiar with how it works.

    Learn how Crowe agents can get free help building their own website

    Visit the RetireFlo website:

    What can you do from your RetireFlo account

    Once you have your profile all set up, you can streamline your next AEP. This form is easy to send to a client and collects all the information you need to run accurate quotes. It also gives valuable insight into what type of products your client may like to discuss. Agents can also use this tool to retain their current clients by staying up-to date on what they want and need from their healthcare coverage.

    Watch a YouTube video on what this product can do for you

    If you want to take book a one-on-one demo, just click here;

    Learn why some insurance agents fail

    Find Out More

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    Critical Illness Insurance

    Although Medicare Advantage and other health insurance plans cover basic medial needs, agents need to understand the gap in these plans and provide additional coverage options to their clients. That is why we offer critical illness insurance to help fill in some of those gaps in coverage. This insurance provides clients much-needed financial protection during difficult times.

    What is Critical Illness Insurance

    Critical illness insurance provides a lump-sum payment to the policyholder if they receive a diagnosis of one of the illnesses covered by the policy. Unlike health insurance, which provides coverage for medical expenses, critical illness insurance pays out a predetermined sum of money that beneficiaries can use however they want. This lump-sum payment can help cover various costs, including medical bills, living expenses, mortgage payments, and other financial obligations.

    If you are a health insurance agent who wants to offer these plans, click here for online contract.

    Why is it Important

    In today’s world, medical treatments are becoming more and more expensive. Here are a few reasons why having critical illness coverage is important:

    1. Financial Protection: A critical illness diagnosis can be both emotionally and financially devastating. Even with health insurance, out-of-pocket costs for treatment, lost income, and other expenses can quickly add up. Critical illness insurance provides a financial safety net. This allows individuals to focus on their recovery without worrying about the financial implications.
    2. Flexibility: Unlike traditional health insurance policies, which only cover certain medical expenses, critical illness insurance provides policyholders a lump-sum payment to use for any purpose. Whether it’s medical bills, replacing lost income, or making modifications to accommodate a disability, policyholders have the flexibility to use the funds as they see fit.
    3. Peace of Mind: Knowing that you have critical illness coverage can provide peace of mind for you and your family. There is a sense of security knowing you are financially protected in the event of a serious illness. This allows beneficiaries to focus on health and recovery without the added stress of financial worries.

    Watch a video on how ancillary product sales can be a great addition to your business

    What Does it Cover

    The specific illnesses covered by these policies depends on the insurance provider and the terms of the policy. However, most policies typically cover a range of serious illnesses, including but not limited to:

    • Heart attack
    • Paralysis
    • Cancer
    • Coronary bypass surgery
    • Stroke
    • Kidney failure
    • Organ transplant
    • Heart transplant
    • Parkinson’s
    • Lou Gehrig’s disease
    • Multiple sclerosis

    Important; before enrolling anyone in a plan, they should carefully review all terms and conditions of the policy to understand what illnesses are covered and any exclusions that apply.

    Want to learn about final expense insurance, click here

    Critical illness insurance provides invaluable financial protection in the event of a serious illness, offering peace of mind to the beneficiary.

    See the benefits of joining the Crowe team

    Find Out More

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