New Cigna Dental Plan For Connecticut

This post will give you some details about the New Cigna Dental Plan For Connecticut.  Cigna has come out with a new suite of Dental plans that can be purchased by individuals.  The plans are all PPO based.  This means that, consumers can see both in and out of network doctors.   These plans use Cigna’s employer dental network  which provides more dentists than any other well priced individual dental plan.   Plans can be purchased by people over the age of 65 and the pricing is the best in the market for a PPO based dental plan.  It is very easy to enroll in the plan. You can enroll either with a paper application or online.  Cigna plans are available in the following states: AL, AZ, CA, CO, CT, FL, GA, IL, NC, PA, SC, TN, TX, VA

Trying to find a solid dental plan without going through employer based benefits can be very difficult.  By using the employer based dental network and pricing the product aggressively, Cigna has separated themselves from the other dental plans available.  Cigna dental plans are available in the following states….There are 3 plan offerings which are Preventative, PPO 1000 and PPO 1500.  CLICK HERE TO QUOTE NEW CIGNA DENTAL PLANS FOR CONNECTICUT

Preventative Plan-

Covers two cleanings and X-Rays at 100% (no balance billing with participating dentists.)  Basic and Major services are not covered but are billed at the Cigna discounted rate which would allow for a 15% to 40% cost reduction depending on the procedure.  Rates vary by age and area but this plan is $14.00 a month on average.

CLICK FOR SUMMARY

PPO 1000-

Covers two cleaning and X-Rays at 100%.  Covers basic services (such as fillings) at 80% and covers major services (such as Crowns at 50%)  The plan has a $50 deductible for basic and major services and a $1,000 benefit max per person per year.  Rates vary by age and area but this plan is $25.00 a month on average.

CLICK FOR SUMMARY

PPO 1500-

Covers two cleaning and X-Rays at 100%.  Covers basic services (such as fillings) at 80% and covers major services (such as Crowns at 50%)  The plan has a $50 deductible for basic and major services and a $1,500 benefit max per person per year. Rates vary by age and area but this plan is $28.00 a month on average.

CLICK FOR SUMMARY

Click the link below to get a quote or check to see if your dentist participates with the plan.  You may also enroll in the plan from this site if you wish.   If you have questions, call our office at 203-796-5403 or email us at Edward@Croweandassociates.com

CLICK TO GET A QUOTE OR CHECK DENTAL NETWORK FOR THE  CIGNA DENTAL PLAN FOR CONNECTICUT

Crowe and Associates (Edward K. Crowe -Owner) is a brokerage agency located at 304 Federal Road, Suite 107, Brookfield CT.  The agency is A rated with the BBB and is independent offering all major insurance companies.  The company website is croweandassociates.com

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Medicare monthly premiums

Medicare Part A (Hospital Insurance)
Monthly premium (for people who pay a premium): If you buy Part A, you’ll pay up to $441 each month in 2013. Higher-income consumers may pay more.
Late enrollment penalty: If you don’t buy it when you’re first eligible, your monthly premium may go up 10%. (You’ll have to pay the higher premium for twice the number of years you could have had Part A, but didn’t sign up.)

Medicare Part B (Medical Insurance)
Monthly premium: Most people pay the Part B premium of $104.90 each month in 2013.
Late enrollment penalty: If you don’t sign up for Part B when you’re first eligible, you may have to pay a late enrollment penalty for as long as you have Medicare. Your monthly premium for Part B may go up 10% for each full 12-month period that you could have had Part B, but didn’t sign up for it.

Medicare Part C (Medicare Advantage)
Monthly premium: The Part C monthly premium varies by plan.

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A variable annuity (VA’s) is an insurance contract that relies on investment accounts (Mutual Funds) to determine performance of the money in the annuity.   Depending  on the product, there can be a number of different mutual funds within the annuity for the investor to choose from.  There are usually more than enough accounts to choose from in order to have a diversified investment allocation.  The VA’s have a number of riders that can also be added.  I have provided a quick summary on VA products and some of the riders that may be added to them. Read more

Medigap plans in Connecticut (Also called Medicare Supplement) confuse many people but it is actually very simple to understand once you understand the key points. This post is intended to provide a general overview of “Medigap” to help consumers make an educated decision when choosing one. We will start with the basics of the things you need to know about Medigap plans and then touch on the basics.

HOW A MEDIGAP PLAN WORKS:

The first thing to understand is how a Medigap plan works. A medigap plan works as a secondary coverage to Medicare A and B (also called original Medicare). Original Medicare parts A and B provide coverage for Medical Services. In general, original Medicare coverage 80% of medical costs. The Medicare supplement plan covers what original Medicare does not. As a result, medical providers will bill orginal Medicare and the cost share (patient responsibility) is then sent over to the Medigap company.

WHAT MEDIGAP COVERS:

Medigap plans will only provide coverage on benefits that original Medicare covers to some extent. If Medicare does not provide any coverage for a procedure, the Medigap plan also will not provide coverage (There are some exceptions to this). There are a number of different plan in CT with plans A – M offered. Each lettered plan covers a different percentage of the costs that original Medicare does not cover. Some plans cover everything that Medicare doesn’t such as Plan F. Others only cover 75% such as plan L.

Supplements in the state of Connecticut are standardized which makes life much easier when choosing a plan. This means that they plans can not vary in the benefits they provide. For example, if you purchase a Plan F supplement, the coverage will be the same regardless of the company you choose. The only difference will be in the monthly cost of the plan. Some companies will add additional, value added benefits such as Silver Sneakers or other programs but the mandatory coverage must be the same for every plan.

Medicare Supplements do not cover drugs. If you want drug coverage, you must purchase it separately. (Called a Medicare Part D plan or “PDP plan)

WHO CAN BUY A MEDIGAP  PLAN:

Medigap plans are guaranteed issue in CT. This means that you can enroll in any available plan regardless of your health or age. The only requirement is that you are on Medicare A and B. If you are willing to pay the monthly premium, you can have a plan. For people age 65 and older, the price is the same for everyone regardless of how old you are. (Example: If the AARP plan N costs $152.00 a month for a 65 year old, it costs the same for an 85 year old) People on Medicare under the age of 65 are also eligible for a supplement but they can have fewer choices if they are under the age of 50.

POPULAR PLANS AND COMPANIES:

Medigap comes down to plan type and price. If one company offers a plan L Medigap for less than the other companies, you should go with the one offering it for the least. Benefits are standardized so they can not be cutting out any benefits. They just have the best price. Having said that, the more popular plans over the last 24 months are Plan F, Plan N , Plan L and High Deductible Plan F. United AARP and Anthem BCBS currently have the lowest costs in CT which makes it easy to find the lowest cost company once you determine which supplement you want.

 HOW CROWE & ASSOCIATES CAN HELP YOU:

Crowe and Associates is an independent agency based in Brookfield CT. The agency is A rated with the BBB and is contracted to sell just about every Medigap plan in CT including, AARP , Anthem BCBS, Humana, Mutual of Omaha, Aflac, etc…. The companies pay me commission directly and I charge my clients nothing. I sit down with clients (in person, over the phone or by email) and help them determine which plan is going to work best for them. I also let them know if a new company comes out with the same Medigap they have at a lower price. I can help you understand Medigap and help you determine which plan is best for your specific situation. Feel Free to call my office at 203-796-5403 or email me at Edward@Croweandassociates.com

Would you like to learn More? Register for our “How to choose a Medicare plan” Webinar by clicking this link

Variable Annuity Connecticut

Here is some information about Variable Annuity Connecticut:

A variable annuity (VA’s) is an insurance contract that relies on investment accounts (Mutual Funds) to determine performance of the money in the annuity. Depending on the product, there can be a number of different mutual funds within the annuity for the investor to choose from. There are usually more than enough accounts to choose from in order to have a diversified investment allocation. The VA’s have a number of riders that can also be added. I have provided a quick summary on VA products and some of the riders that may be added to them. Read more

Crowe and Associates holds an FMO/IMO contract with Vantis life.  We offer Agent and GA level contracting to brokers and agents.  Vantis has many products but the most popular contract currently is the Guaranteed Golden Final Expense product.  100% guaranteed issue with incredible rates.  Contracting paperwork can be obtained on this blog post.    Street level compensation is 40% with a 12 month advance and GA level is 50% with a 6 month advance.

Please Note: Vantis Life will issue an agent number until the first case has been submitted. Once contracting is completed, you must submit a case to be appointed.

If you have questions, please call us at 203-796-5403 or email Edward Crowe at Edward@Croweandassociates.com

VANTIS LIFE SALES CONTRACTING CLICK HERE

LOOKING FOR VANTIS LIFE RATES? CLICK HERE

Crowe and Associates holds an FMO/IMO contract with Vantis life.  We offer Agent and GA level contracting to brokers and agents.  Vantis has many products but the most popular contract currently is the Guaranteed Golden Final Expense product.  100% guaranteed issue with incredible rates.  Contracting paperwork can be obtained on this blog post.    Street level compensation is 40% with a 12 month advance and GA level is 50% with a 6 month advance.

**Please Note:  Vantis will not issue an agent writing number until the first case is placed.  One contracting paperwork is submitted you need to submit a case to be officially appointed.

If you have questions, please call us at 203-796-5403 or email Edward Crowe at Edward@Croweandassociates.com     LINKS FOR CONTRACTING BELOW

CLICK HERE FOR CONTRACTING

LOOKING FOR VANTIS LIFE RATES AND APPLICATIONS? CLICK HERE

Crowe and Associates holds an FMO contract with Wellcare which allows us to offer individual and agency contracts.  Compensation is paid directly from the company to the broker/agency.   Wellcare offers plans in a number of states including CT, NJ, NY, FL, TX,GA,IL, HI, OH, LA, KY and MO.   This contract includes a $50 per application lead incentive.

Lead Program-  To help our brokers sell, Crowe and Associates will pay a $50.00 lead incentive per application sold.  The lead incentive will be paid monthly by Crowe and Associates.  All commissions will be paid directly from Wellcare. Only the lead incentive will be paid from Crowe and associates on a monthly basis.  There is no cap to the incentive.  Any charge backs will be held out of future payments.  The $50.00 lead incentive will be paid on the initial application only. It will not be paid on the renewal.

UPDATE:  WE NOW OFFER FREE MEDICARE LEADS:  CLICK FOR FREE LEAD PROGRAM

Do you already sell Wellcare?- Want to move over to Crowe and Associates?  Simply send us an email with your name and agent writing number requesting to transferred to us.

Need to be appointed? Completed contracts can be faxed to Crowe and Associates at 203-567-6235 or emailed to Edward@Croweandassociates.com  Send all contracts with a copy of your Insurance license, AHIP Certificate and E and O certificate.  The contract is in the link below.  If you are already appointed with Wellcare, simply send us an email stating you want to work through Crowe and Associates.  (please include full name and writing number)

CLICK HERE FOR WELLCARE CONTRACTING FORMS

Questions:  Call our office at 203-796-5403

Crowe and Associates holds an FMO contract with Wellcare which allows us to offer individual and agency contracts.  Compensation is paid directly from the company to the broker/agency.   Wellcare offers plans in a number of states including CT, NJ, NY, FL, TX,GA,IL, HI, OH, LA, KY and MO.   This contract includes a $50 per application lead incentive.

Lead Program-  To help our brokers sell, Crowe and Associates will pay a $50.00 lead incentive per application sold.  The lead incentive will be paid monthly by Crowe and Associates.  All commissions will be paid directly from Wellcare. Only the lead incentive will be paid from Crowe and associates on a monthly basis.  There is no cap to the incentive.  Any charge backs will be held out of future payments.  The $50.00 lead incentive will be paid on the initial application only. It will not be paid on the renewal.

Completed contracts can be faxed to Crowe and Associates at 203-567-6235 or emailed to Edward@Croweandassociates.com  Send all contracts with a copy of your Insurance license, AHIP Certificate and E and O certificate.  The contract is in the link below.  If you are already appointed with Wellcare, simply send us an email stating you want to work through Crowe and Associates.  (please include full name and writing number)

CLICK HERE FOR WELLCARE CONTRACTING FORMS

Questions:  Call our office at 203-796-5403