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.
UHC Branded Plan L Medigap Connecticut
The term “Medigap” and “Medicare Supplement” are the same. They are both just terms to describe Medicare plans that are secondary to Original Medicare. These plans only cover medical expenses. They do not include a Part D drug benefit. That is why we are taking the time to inform our agents about the UHC Branded Plan L Medigap Connecticut. In fact, Medigap Plan L is offered by AARP through United Healthcare. United Healthcare currently has the lowest cost plan L in Connecticut.
All Medigap plans are subsidized in the state of Connecticut. In fact, this means that if a company offers a Plan L, it must have the same benefits as every other company that offers the option of a Plan L. CLICK HERE TO LEARN MORE ABOUT PLAN L. Please keep yourself up to date on all the Medicare supplement plans available to your clients. This is the best way to give your clients the service they deserve, so they will not need to go elsewhere for information. If you provide clients the coverage they need as well as the prices they can afford, your book of clients will grow.
CLICK HERE FOR MORE INFORMATION
Please feel free to contact us if you have any other Questions. You can reach us either by phone at 203-796-5403 or by email at admin@croweandassociates.com.
UHC Branded Plan F Medigap Connecticut
This post will explain some of the ways that UHC Branded Plan F Medigap Connecticut can benefit your clients. The term “Medigap” and “Medicare Supplement” mean the same thing. They are both names for a particular plan that is secondary to Original Medicare that a private insurance company offers. In fact, Medigap plan F and Medicare Supplement plan F are one in the same. It is important to note that Plan F covers 100% of medical expenses that Medicare Part A and B do not cover. Although, Medigap plans do not cover prescription drugs. You will need a separate stand alone Part D plan in order to obtain drug coverage.
AARP offered through United Healthcare currently has the lowest cost plan F supplement in Connecticut at a monthly rate of $220.50 a month. This rate is lowered by 5% if a spouse also has a AARP supplement plan. You can also lower your payment by an additional $2.00 a month if you elect to have payments automatically deducted from your bank account. Click the following link if you would like more information about Plan F. INFORMATION ON PLAN F
FOR MEDICARE ADVANTAGE AND MEDICARE SUPPLEMENT COMPARISON INFORMATION CLICK HERE
Please feel free to contact us if you have any other questions. You can either call our office at 203-796-5403 or email us at admin@croweandassociates.com. We are here to help you feel secure with the health coverage that will best fit your medical needs as well as your personal budget.
United Health Care Branded Plan N Medigap Connecticut
Crowe and Associates would like to help you answer any questions you have about United Health Care Branded Plan N Medigap Connecticut. Both terms “Medicare Supplement” and “Medigap” are interchangeable as they refer to the same insurance coverage. People use both these terms as names for private insurance plans that you can use as secondary coverage after your Original Medicare plan. You should note that Medigap plans do not included Part D drug coverage. In fact, AARP offers Medigap plans through United Healthcare. Additionally, people who purchase this UHC plan currently enjoy a lower premium rate. This is an advantage over the other companies who offer Medigap plans at a higher rate in the state of Connecticut.
Often times people choose to use the Plan N as a supplement option as an alternative insurance choice to a Plan F Medigap plan. If you would like to learn more about this, FOR MORE INFORMATION ON PLAN N CLICK HERE.
CLICK HERE FOR MORE INFORMATION
In Addition, please feel free to contact us if you have any questions. You can reach us either by phone at (203)796-5403 or by email at admin@croweandasssociates.com.
AARP Plan N Supplement Connecticut Medicare
If you would like to learn more about AARP Plan N Supplement Connecticut Medicare, you should read this post. AARP Medicare Supplements offered through United Healthcare currently have the lowest monthly premiums in Connecticut. Medicare Supplements (also called Medigap) are standardized in Connecticut which means the benefits are uniform from company to company. Plan N Supplement should be given consideration as an alternative to Plan F. Plan N covers 100% of the part A deductible and coinsurance. It will cover all but $20 of the Medicare Part B coinsurance. The only other charge is a $50 charge for emergency room visits.
Plan N does not cover the part B deductible which is $144.00 one time per year. It also does not cover part B excess over 100% and excludes coverage for foreign travel emergency. The plan is still very solid and like all supplements, allows you to go to any doctor you choose as long as they accept Medicare. The premium for plan N is $147.00 a month. This cost should be compared to Plan F ($221.00 a month). Often, the math will come out better on the plan N vs. the Plan F due to the premium savings.
Other Questions? Call our office at 203-796-5403
United Health Care branded Plan L Supplement Medicare Connecticut
This post will give some information about the United Health Care branded Plan L Supplement Medicare Connecticut. In fact, AARP Medicare Supplements offered through United Healthcare currently have the lowest monthly premiums in Connecticut. Medicare Supplements (also called Medigap) are standardized in Connecticut which means the benefits are uniform from company to company. Plan L covers 75% of the cost share that Medicare A and B does not cover. This means that plan L will cover 75% of the inpatient hospital deductible from Part A of Medicare and 75% of the Part B co-insurance. (Medicare Part B has 20% coinsurance).
Plan L
Plan L does not cover the part B deductible which is $144.00 one time per year. It also does not cover part B excess over 100% and excludes coverage for foreign travel emergency. The plan is still very solid and like all supplements, allows you to go to any doctor you choose as long as they accept Medicare. The premium for plan L is $114.00 a month. This cost should be compared to Plan N ($147.00) a month and Plan F ($221.00 a month). In many cases, the math will come out better on the plan L as compared to the F or N. You will see this is the case when you factor in the premium savings.
Bottom line: Once Plan L covers 75% of the part B coinsurance, it will leave very small charges for doctors visits in the $8 to $12 range. An inpatient stay would cost more as Plan L will cover 75% of the Part A deductible leaving the insured with $304 to pay out of the total charge of $1,216.00.
If you have any other questions, please contact us. You can either call our office at 203-796-5403 or email us at admin@croweandassociates.com.