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
- You must have Medicare A and B in order for a Medicare Supplement to provide coverage
- 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.
- You pay a monthly premium for your Medigap policy in addition to the monthly Part B premium that you pay to Medicare.
- 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.
- You can buy a Medigap policy from any insurance company that’s licensed in your state to sell one.
- Any standardized Medigap policy is guaranteed renewable. You can not be cancelled due to health complications.
- 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
Aetna Medicare Value Plan Connecticut 2014
In this post we will explain some things about Aetna Medicare Value Plan Connecticut 2014. The Aetna Value plan is an HMO based Medicare Advantage Plan. There is not a monthly premium for the plan. ($0 monthly premium MAPD plan) The insured is still going to pay the Medicare Part B premium of $104 however. The plan is offered to residents of Fairfield, Litchfield, New Haven and Hartford counties.
Aetna value has very competitive benefits compared to the other companies plans in Connecticut. They have co-pays for outpatient surgery and Major Radiology instead of a percentage cost share that many of the other companies have started using. They also have built one of the larger provider networks in the state.
The plan does have some areas where it lags compared to competitors such as lab work copay and primary office visit co-pay. The differences are fairly small however and would not be a reason to choose a different plan. One area to pay attention to is the drug formulary which seems to put drugs in less desirable tiers compared to some other plans.
Like any Medicare Advantage plan, the Aetna Value plan is subject to benefit changes every January 1st. As a result, it is important to compare offerings from all companies during the Annual Election Period.
CLICK FOR BENEFIT SUMMARIES AND APPLICATIONS
PLEASE CONTACT US IF YOU HAVE ANY QUESTIONS. You can reach us either by phone at 203-796-5403 or by email at Edward@croweandassociates.com. Please note, we are here to help you, don’t hesitate to contact us.
United HealthCare Medicare Complete Plan 2 Connecticut 2014
The United HealthCare Medicare Complete Plan 2 Connecticut 2014 is a Medicare Advantage plan available in all Connecticut counties. The base of the plan is an HMO . It is currently available for a $0 month premium. (You will still pay your Part B premium to Medicare) HMO means that participants must use in network providers in order to receive coverage. The exception to this rule is in the case of either an emergency or urgent care situation. In an emergent situation you may visit any provider who is necessary at that time.
Like all Medicare Advantage plans, the Medicare Complete plan 2 is a Managed Medicare plan. This means it will become the primary insurance provider in place of Original Medicare. Benefits are based on co-pays as well as cost shares for the services the client receives. The plan also includes Part D prescription drug coverage. Members have access to in network providers in other states (Including Florida) utilizing a program called Passport. The program is very useful for snowbirds and anyone planning an extended stay in a different state.
Benefits on Medicare Advantage plans are subject to change every January 1st and Medicare Complete plan 2 has had many changes over the past few years. Links to benefit summaries and applications have been provided below.
2017 HMO MAPD PLAN 2 APPLICATION
2017 UHC Plan 1 and 2 directory
Please contact us in the event that you have any other questions. You can reach us either by phone at 203-796-5403 or by emailing us at Edward@croweandassociates.com. We are here to help you grow your client base and be a successful agent. In fact, we offer all our agents full support with training and a 50% lead services reimbursement program.
Health Reform Plan Questions and Answers Connecticut
Here are some Health Reform Plan Questions and Answers Connecticut. These are some of the more common questions that we get on a daily basis. The questions are regarding health reform plans in Connecticut. If you have questions that are not on this list, need a quote or want to enroll, please feel free to either call us at 203-796-5403 or send an email to Edward@croweandassociates.com
Question: What is the difference between Obama Care and the health exchange in Connecticut?
Answer: They are the same. Different names clients use to describe buying insurance through the exchange or also know as “Obama Care”.
Question: Can I get help paying for my premiums?
Answer: Yes, if you purchase a plan through the exchange and meet the income requirements. You can not get help with your premiums off the exchange.
Question: Can anyone get insurance through the exchange?
Answer: Yes, anyone can apply and get a plan. Not everyone can get help with the premium however. The exchange will base that decision on your annual income.
Question: Are there are underwriting/health question on or off the exchange?
Answer: No. In fact, health questions are not allowed on or off the exchange. You can not be denied for any health condition after January 1, 2014.
Question: I applied for a health reform plan and then received a notice saying I was denied for Husky. What does this mean?
Answer: It is only applicable to you if you actually applied for Husky. If you applied for a standard health reform plan, the notice is not applicable to you and has nothing to do with your enrollment.
Question: How do I know if my doctor participates in the health reform plan I want to enroll in?
Answer: There is a doctor search function on the Access Health website. CLICK HERE FOR THE SITE. After you receive a quote, there will be a button to hit in order to check doctors for each plan.
Question: Are the networks for the Exchange plans the same as the networks off the Exchange?
Answer: NO- they are different. Don’t assume you doctor is in the network just because he or she was in network on your old plan.
Question: How do they determine how much I pay for coverage?
Answer: The exchange will base the amount you pay on both your age and gender. Although, the biggest influence on your rate is the amount of subsidy you receive. The Subsidy you receive is determined by the amount of income you enter when you get a quote.
United Health Care branded Plan C Medigap Connecticut
This post contains some important information about United Health Care branded Plan C Medigap Connecticut. The terms “Medigap” and “Medicare Supplement” are interchangeable they both describe the same product. They both refer to an insurance plan that provides medical coverage that is secondary to Original Medicare. In fact, Medigap plans are standardized in Connecticut. This means that there is no variation in the benefits clients receive from one company to another company. AARP branded Medigap plans through United Healthcare currently have the lowest rates in Connecticut. Plan C is one of three Medigap plans in Connecticut that people under the age of 65 can enroll in.
CLICK HERE FOR MORE INFORMATION ON PLAN C
FOR MORE INFORMATION – CLICK HERE
If you have any questions, please contact us. You can reach us either by phone at (203)796-5403 or by email at Edward@croweandassociates.com. We are happy to give our agents any support that they need in order to be their best and grow their books.
UHC Branded Plan C Medicare Connecticut Supplement
Original Medicare covers many health care services as well as supplies. Although, there are many costs it doesn’t cover. That is why we will explain some things about the UHC Branded Plan C Medicare Connecticut Supplement. A Medicare Supplement policy is health insurance that private insurance companies are able to sell to clients. In fact, clients use these policies to fill gaps in their Original Medicare coverage. Medicare Supplement plan C is unique in Connecticut. This is because it is one of three supplements in the state that people on Medicare under the age of 65 can enroll in.
Medigap policies like plan C help pay your share (coinsurance, copayments, or deductibles) of the costs of Medicare-covered services. Some Medigap policies cover certain costs not covered by Original Medicare. Plan C is the most comprehensive plan that can be purchased by people under the age of 65. Plan C covers all categories of benefits not fully covered by Original Medicare with the exception of Part B excess over 100%.
Medigap insurance companies
Insurance companies can only sell you a standardized Medigap policy identified by letters A through N. Each standardized Medigap policy must offer the same basic benefits, no matter which insurance company sells it. Cost is usually the only difference between Medigap policies sold by different insurance companies. Additionally, AARP branded supplements through United Healthcare currently have the best rates for medicare supplement Plan C.
These supplemental plans can be a very important tool to fill your clients insurance coverage needs. We want to make certain that our clients have all the coverage to protect both their healthcare needs as well as their budgets. It is important for you as an agent to be knowledgeable about all the options for insurance that your clients have available to them.
If you have any questions, please contact us. You can reach us either by phone at 203-796-5403 or by email at admin@croweandassociates.com.