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Your Medicare Options and Why They Matter

Wed, 03 Apr 2024 15:21:18 GMT

There’s a big problem in the Medicare space today, especially if you are a Baby Boomer like me.

The problem is a heavy reliance on technology to determine your future.

Most folks my age are reasonably savvy with the Internet, as we’ve grown up with computers. The problem is not with the Internet itself, but when we try to solve our Medicare plan dilemmas using online research alone. This problem is magnified when we go to our friends of the same age for their “sage”advice.

This causes further confusion for you, since everyone always has an opinion and one person’s plan often does not suit your specific needs. There are so many nuances and variables with Medicare plans. This is why applying online often leads to picking the wrong plan. If this happens, you will find yourself locked in that plan for a year or more waiting on Open Enrollment before you can change.

You might believe that the Medicare seminars around your town would also be helpful. Unfortunately, most of these seminars are held by individual Medicare companies and their “captive” agents. Naturally, these agents and companies are extremely biased towards their own products.

Unraveling The Basics Of Medicare

With only a few exceptions, everyone turning 65 has the option to elect to receive Medicare coverage. People on Social Security Disability Income (SSDI) may qualify at any age. However, Medicare remains one of the most complex systems a person over the age of 65 will ever encounter. That is why it is so important to utilize a licensed insurance broker, such as us here at Smart Health & Life Insurance Agency.

Medicare is health insurance for the following people:

People 65 or older
People under 65 with certain disabilities

Contrary to what many people believe, Medicare is not free. Before you sign up, it’s important to understand your options, because making the wrong choices can be expensive. Even if you’ve been on a Medicare plan for years, it’s wise to revisit your options annually with a licensed broker to make sure you’ve got the plan that makes the most sense for you. Generally you can switch your Medicare plan and/or your Prescription Drug Plan during the Annual Enrollment Period (AEP), which runs October 15th through December 7th. As you can imagine with any government program there are exceptions to the rule, such as folks who are both Medicare and Medicaid eligible. These folks can change on a monthly basis.

What Plan Is Right For You?

If you are turning 65, you may find yourself inundated with marketing material from every Medicare company and insurance agent out there, demanding you make a decision with them as soon as possible. You will find that Medicare is not “one size fits all”. There are lots of choices, and there are important differences among the choices. You’ll be facing questions like these:

Do I want only Original Medicare (Parts A & B)?
What about Original Medicare coupled with a MediGap “supplemental” and a stand-alone Prescription Drug plan (Part D)
Or a Medicare Advantage plan with (or without) a stand-alone Prescription Drug plan (Part D)?
Plus many, many more…

It’s helpful to compare your needs to what’s out there and find a good match. What most insurance agents won’t tell you is that the Medicare company you choose is mostly irrelevant, as long as your doctors take the plan and your prescription drugs are covered properly.

It makes sense to enroll as soon as you become eligible. If you wait too long to enroll, you could miss your enrollment period, possibly accrue penalties and even end up paying more in premiums. You’ll also want to make sure your coverage begins when you want it to.

Understand Your Options

Your most important decision may be whether you want to choose Medicare (Parts A and B) with a supplemental Medigap policy or Medicare Advantage (Part C).

Medicare coverage (Parts A/B) are very basic. Typically to fill the gaps, hence the term “MediGap”, a supplemental policy combined with Prescription Drug coverage (Part D) needs to be purchased and added to basic Medicare.

Don’t be afraid to ask for help! This is where Smart Health & Life Insurance Agency comes in. There is help available for everyone making Medicare Choices and there is no cost to you for our advice. An independent broker, like Smart Health & Life Insurance Agency, can help you avoid all these headaches and not cost you a single dime in fees.

If we do not readily know the answer we will do the necessary research to answer your question or point you in the right direction!

There are literally hundreds of supplemental options for Medicare coverage, and it is very confusing, even to the experts at times.

Let us help you understand the basics of Medicare so you can make a “$mart” decision about your coverage. If you are turning 65 soon or coming up on the Annual Enrollment period (October 15 through December 7th), contact us to review your options.

Just give us a call at: 813-994-5399 or email us at: smarthealthusa@gmail.com with your questions!

Affordable Dental Plans

Tue, 31 Aug 2021 17:55:20 GMT

Most Health Insurance and Medicare policies do not come standard with any dental coverage, unless the dental work is related to a disease or accident. But like everything else in the medical world, dental costs have soared in recent years.

At Smart Health & Life Insurance Agency, our goal is to save you serious money on your dental care by giving you the freedom to compare and choose from the leading dental plans in the country! We believe everyone should have access to affordable dental care, and the opportunity to easily compare the savings offered by the dental plans in your area. Do not hesitate to contact us to privately discuss your dental needs and we will help you select the right plan for you.

Dental Discount Plans are the most popular plans available because of the affordable cost and large availability of in-network dentists. These kinds of plans offer:

NO waiting period
NO yearly dollar cap amount
NO waiting period for Basic or Major Services
NO Deductibles ever
NO age limit – excellent choices for seniors on Medicare
NO Premium increases due to age
Pre-existing conditions are ALWAYS covered – no waiting period, immediate treatment available
Orthodontic treatment is available on a limited basis depending on plan selected – call for details
Save 10% to 60% on most dental services
Choose from 30+ discount dental plans

Click here to help you select the right plan for you or to look up your dentist and the plans they take in your zip code.

Group, Individual & Family PPO plans from Ameritas Group Health Care also offer a wide range of benefits.

Some of these benefits are:

Single or family options
Freedom to see any dentist (save more with PPO network where available)
Certified excellence in claims service
If you qualify for takeover, no waiting periods (see details, last page)
A plan that includes vision
Non-insurance discount on prescriptions

Click here to quote and enroll in an Ameritas Group Dental plan. Whichever plan design you want, let us help you guide you with your selection. If you need a dental plan, Smart Health will contact your dentist to gather vital information to determine the best plan price versus plan benefits.

Protect yourself from the high out-of-pocket costs of restorative and cosmetic dentistry with a comprehensive dental plan! Contact us today to discuss your Dental Insurance options!

Three Important Reasons to Plan for Final Expenses

Tue, 31 Aug 2021 17:52:46 GMT

This is a subtitle for your new post

Three Reasons You Must Plan for Final Expenses

If a death occurred in your family today, what would you be worried about tomorrow? Would you be worried about money or your loved ones? See why planning is vital.

What you do now can determine whether your thoughts will be focused on paying for the funeral or helping your loved ones cope with a loss.

Funeral bills often represent the largest single expense an average family will ever have excluding a house or an automobile. Most people are totally unprepared; have no experience making final arrangements and all the time emotions cloud reasoning, causing unnecessary expenses to rise.

The costs associated with a funeral add up quickly and according to the U.S. Senate Special Committee on Aging**, the average cost of a funeral is approximately $8,495 and can easily exceed $10,000 or more. Extra’s like flowers, obituary notices, burial liners or vaults, limousines, acknowledgment cards – they all add up to a major expenditure, right at a time when you least expect it.

Doesn’t the government help cover these expenses through Social Security?

The sad reality is that Social Security will only pay out a Lump Sum Death Benefit of a whopping $255* if you qualify for it! This fact is one very big reason to plan ahead. It’s important to take your time when deciding on the funeral service. Don’t let yourself be pressured into buying goods or services you don’t want, and then end up having to spend years paying off the funeral.

Planning ahead will save you money

Planning ahead gives you the ability to comparison shop which will help you save money and that’s why planning ahead makes sense. It’s a “when” strategy, not a “whenever”. A simple, low cost final expense plan unburdens family members from many of the mundane and confusing decisions that need to be made quickly when there is an unfortunate loss of a family member. It clarifies your wishes, creates a way to pay the bills, and relieves unnecessary stress.

Less Stress

When you plan ahead and have a final expense plan in place before it is needed, you are reducing both the financial and emotional stress that is all too common.

Give yourself and your loved ones peace of mind by becoming an informed consumer now that you know the three reasons you must plan for your final expenses. These reasons are:

Social Security death benefits are little help.
You can save money by shopping around and planning ahead.
You will reduce stress at a time when things are very stressful for loved ones.

*According to Social Security Rules and Regulations 404.390

** U.S. Senate Special Committee on Aging, May, 2001

Contact Smart Health & Life Insurance today to start planning ahead.

Your Customized Life Insurance Options

Tue, 31 Aug 2021 17:50:22 GMT

Because He Loved Me

“He did the dishes,

Rubbed my feet,

Surprised me with tulips,

Took me to musicals,

Held my bags while I shopped,

Held my hand.

He died of cancer four years ago.

Because he loved me,

I can stay at home.

I can be there for our children.

I can afford to pay for their college education.

I can worry about other things in life besides money.

He still loves me and he still shows it.”

Having your family protected with an adequate amount of Life Insurance is another way of showing your love.

Life Insurance is among the most important insurance products Smart Health & Life Insurance Agency offers. It is a sad fact that fewer people have life insurance protection than any other time in the history of life insurance. The even more amazing fact is that life insurance rates are at their lowest since 1949 and continue to drop! We are living longer and dying much later in life. Your Life Insurance premium will protect you and your family’s financial legacy.

We offer both Simple Term Life and Permanent Life Insurance (Whole or U/L). Simple Term Life Insurance can be purchased for pennies-on-the-dollar and offers quick and affordable peace of mind to surviving family members. Permanent life insurance (Whole or U/L) is very affordable and cannot be outlived (the max age is now 121).

Term or Permanent Life Insurance: How do you know if you have the right coverage?

Here’s a quick look at all of your options for insuring your life:

Term
Whole
Variable
Universal.

Not many people shopping for life insurance have escaped the debate over term vs. permanent insurance. What’s the best option for you?

The wrong kind of life insurance can do more damage to your financial plans than just about any other financial product today. The first and most important decision you must make when buying life insurance is: term, permanent or a combination of both? Let’s look at each.

Term Life Insurance

Term life policies offer death benefits only. If you die before the policy ends, the benefits are paid out to your surviving family. If you live past the length of the policy, which is quite probable, your family members get no money back.

Term policies are essentially temporary policies. These are inexpensive, and for a very good reason. They are a “cash cow” for the life insurance companies with less than a two percent chance that any given policy owner will die and “cash out” during the life of his or her term.

Permanent Life Insurance

If kept long enough, it is guaranteed to pay out to your beneficiaries. Permanent life policies offer death benefits and a “savings account” (also called “cash value”) so that if you live, you get back at least some of the amount you spent on your premium, if not more. You get this money back either by cashing in the policy or by borrowing against it. Look at permanent life insurance as a forced savings account for life. As you might expect, permanent life insurance premiums are more expensive than term premiums because some of your premium dollars are put into a savings program. The longer the policy has been in force, the higher the cash value, because more money has been paid in and the cash value has earned interest, dividends or both. The decision on whether term or permanent life insurance will be best for you is a big one. Your licensed insurance broker, like Smart Health, Inc., is trained in guiding you towards the best decision. There are even many cases that a combination of both temporary and permanent life insurance makes the most sense. Start by assessing your needs. Then, email us for our free Life Insurance Needs Estimator. It is simple to use and will give you a good idea which direction to take concerning your life insurance choices.

Life insurance is your life’s protection.

Retirement Insurance Plans

Tue, 31 Aug 2021 17:42:04 GMT

Retirement Insurance Plans

…Your Guaranteed Solution

If you like Las Vegas, you will love playing the stock market! The fact is, the odds are not in your favor. If you are young, go ahead and play the odds. If you are over the age of 50, think again.

There is a time to accumulate cash and a time to conserve assets. If you can’t sleep at night worrying about what the Dow Jones is going to do in the morning, it’s time to switch your investment approach.

Smart Health & Life Insurance Agency offers retirement investment vehicles that are guaranteed not to lose any of your money, and that come with a modest, risk-free growth over time. Will these vehicles make you rich? No. Will you sleep at night, knowing that your hard-earned savings are safe from any loss? Yes – guaranteed, period.

Contact us today to discuss your retirement options.

The odds can be in your favor, when you don’t try to risk it all.

Health Insurance

Tue, 31 Aug 2021 17:27:20 GMT

Today’s Health Insurance Marketplace

With the passing of the Affordable Care Act (Obamacare) in 2010, the health insurance landscape has changed dramatically.

The good news is that nobody can get turned down for health coverage and many individuals and families will qualify for government help to pay the monthly premium.

The not-so-good news: health care costs are anticipated to rise considerably in the near future. Smart Health & Life insurance Agency & Life insurance Agency is certified to offer all health plans on and off the federal and state exchanges.

How Do I Get Affordable Health Insurance?

Protect you, your family and your business from financial ruin. Do not take chances with your health or your financial assets. Make sure you have some sort of medical insurance in place at all times.

At Smart Health & Life insurance Agency & Life insurance Agency we are certified to offer all health plans on and off the federal and state exchanges. You would purchase a health plan on the exchange if you qualify for a subsidy. Off the exchange if you do not, and this all depends on your qualification status.

With such a wide range of options, it’s wise to have guidance through your decision. Contact us to find out your qualification status.

How to Choose the Right Plan

Although most people have health insurance coverage through their employer, you might be looking to shop for alternatives. Even if you are a business looking to offer a comprehensive health insurance plan to your employees, Smart Health & Life insurance Agency can help.

If you are looking for a place to start, shop on our easy to use Affordable Care Act quote link, here.

Beware of shopping for health insurance online using unknown quote links! It’s fine to do research this way, but always discuss your options with a licensed insurance broker to ensure your needs are met.

Choosing a Low-Cost Dental Plan

Tue, 31 Aug 2021 17:22:03 GMT

Choosing the right dental plan can be quite challenging for the individual or family that does not receive benefits from their employer. There are dozens of choices ranging from low-cost Dental Discount with Vision and Pharmacy discounts to very expensive PPO and DHMO plans with long wait times and annual caps rarely exceeding $1500 per person.

Very often the choice is made for you by the plan or very often the lack of plans that your particular dentist will accept.

Long established private dentists with many repeat patients typically take very few plans, usually employer-based plans or PPO/DHMO plans, which are often treated as “out-of-network”. Yes, they will file the claim for you, but the actual savings can be minimal. Subsequently, the savings per procedure may not even off-set the annual cost of the coverage.

Due to the rising cost of all medical and dental care, many dentist choose to consolidate into large practices that can handle a significant volume of patients. Many plans will be available including the very popular Dental Discount plans, with the aim to attract as many new patients as possible.

But, the bottom line is this: if the plan you choose does not save you more than what you would pay for it on an annual basis, then it may be time to shop for an alternative or even another dentist who accepts a larger array of dental plans.

Smiles are free, but they are worth a lot. Invest wisely!

Long Term Care & Burial Insurance

Tue, 31 Aug 2021 17:20:43 GMT

Well, the time has come and you are faced with the inevitable. Your loved ones are aging and you need to discuss long term care and the final expenses. This is an emotional time in your family’s lives. Why make it any more stressful than it already is? Insure yourself and your loved ones for peace of mind.

Long Term Care (LTC)

Everyone knows how high the cost of Assisted Living and Nursing Home facilities are. In the Tampa Bay region alone it averages over $8,500 a month! Lifetime savings can be wiped out very quickly when caring for a loved one. In part, that is what makes the decision to transition your loved ones into these facilities so stressful.

Thankfully, there are ways to make Long Term Care (LTC) coverage very affordable. Don’t be fooled with expensive plans and new Life Insurance policies in old age. Contact Smart Health & Life Insurance and we can help you and your loved ones determine the best cost for your needs.

Final Expense or Burial Insurance

The time has come and a loved one passes away. You visit a funeral home and get sticker shock when you find out the average funeral service plus a burial cost totals to over $11,000. Not to be the bearer of bad news, but that may even be on the low end.

Burial insurance very inexpensive when you are faced with trying to swallow the high cost of dying. Whether you are thinking about a full-blown service with casket and burial or a simple cremation and scattering at sea (yes, we offer that too!), why burden family members with that expense? Pre-pay at a fraction of the cost and rest in peace.

Contact Smart Health & Life Insurance Today, Start Planning Ahead.

Easy Quote Link for Traditional, Non-Obamacare Health Insurance

Tue, 31 Aug 2021 17:18:34 GMT

Some folks just do not want anything to do with the Government or Obamacare controlling their Health Insurance choices. If you make too much money for a subsidy, are healthy with few Pre-Existing conditions or just do not want to pay exorbitant “on-exchange” premiums for so-so coverage then there are excellent alternatives.

Typically called “STM’s” or Short Term Medical policies, they offer a solid alternative to Obamacare at about half the price. By adding Accident and Critical Illness riders it is possible to get a near 100% coverage plan for a very reasonable premium. Be aware that you might have to settle up with the IRS at the end of the year if assessed with a penalty, but even with the penalty you will typically still save money and receive better coverage.

Call us at 813-994-5399 for more information or simply go to this quote link to check out prices and product brochures or simply enroll online here .

Myths About Disability Income Insurance

Tue, 31 Aug 2021 17:17:23 GMT

Everyone has seen the AFLAC duck in action on TV passing out money to a guy with a broken leg. You do not have to be completely “disabled” to collect enough money to pay off critical bills and buy food. Simply being unable to work for a few weeks or months can put you way behind on your bills or wipe out whatever savings you may have. Like most supplemental coverages, Disability Income (DI) is not expensive and can keep you out of bankruptcy court while you are recovering to go back to work.

Facing the Facts

Consider all the things that depend on your income, and what you take for granted. You may not realize it, but your home, car, food, possessions, health insurance, retirement and your lifestyle all depend on your ability to work and earn a paycheck on a steady basis. There are so many myths surrounding disability and financial survival. It’s in your best interest to educate yourself and know the facts. Ask yourself. “How will pay my bills if I become sick or hurt and unable to work”? Myth 1: My chances of becoming disabled are slim. Fact: During your working years you have a greater chance of becoming disabled than dying by the age of 65. Myth 2: Social Security will pay if I ever become disabled. Fact: 70% of all disability applicants are rejected by the Social Security Administration. In fact, according to the 2003 Social Security Handbook, 5 full calendar months must pass before any disability benefits begin from the government. To qualify, the disability must be one that “can be expected to result in death, or which has lasted or can expect to last for a continuous period of not less than 12 months,” and the disability must prevent the individual from being able to perform any means of gainful employment. Myth 3: I have enough money in savings to get by. Fact: One year of disability can wipe out 10 years of savings, assuming that is if you have that much saved! Myth 4: I can sell my assets if I need to. Fact: What would you sell? Assets sold under forced conditions are often sold way below market value, such as in garage sales. No one wants to sell prized possessions that were worked hard for all your life. Myth 5: I can the borrow money. Fact: Really? Who will lend you money without an income? Even family and friends can only help so much. It is your responsibility to insure yourself if the worst happens. The fact is, Disability Income Insurance is the foundation of a solid financial plan. For pennies-on-the-dollar, a disability income plan can transfer the risk to an insurance company, where it belongs.

Peace of mind is knowing your protection is there exactly when you need it.

The Ugly Truth About Out-Of-Pocket Dental Costs

Tue, 31 Aug 2021 17:01:30 GMT

It Probably Doesn’t Cover Dental.

The truth is, most individual health plans, including Medicare, do not cover any dental work unless there is an accident or disease of the mouth. Unless you’re willing to pay the expensive out-of-pocket costs to go to the dentist for the recommended two cleanings per year, you’ll want to pay close attention to this article.

The True Cost of Dental Work

A recent article I read exposed the ugly truth about dental work and the out-of-pocket costs that incur when a patient does not have dental insurance.

Let’s take a look at six common dental procedures, and what the costs would be if you did have dental insurance, versus if you opted to go without dental insurance.

Teeth Cleaning

With Insurance: Completely covered (up to twice a year)

Without Insurance: $127 per visit

Cavity Filling

With Insurance: Typically covers 50%-80% of the cost

Without Insurance: $204 per tooth

Wisdom Tooth Removal (Per Tooth)

With Insurance: $416

Without Insurance: $500 – $775

Braces

With Insurance: $3,047

Without Insurance: $4,937

Root Canal

With Insurance: $608 (front tooth), $333 (back tooth)

Without Insurance: $1,156 (front tooth), $957 (back tooth)

Dental Crown

With Insurance: $618

Without Insurance: $1,093

Hopefully this cost breakdown helps clearly illustrate how much money a dental insurance plan could save you in out-of-pocket costs.

Now that you understand the importance of having a dental insurance plan, let’s quickly talk about your options.

Your Dental Insurance Options

At Smart Health & Life Insurance Agency LLC., we partner with insurance plans that cover more than 100,000 dentists nationwide who have agreed to charge reduced fees on the dental services you need. Our goal is to get you the quality care you deserve at the most affordable rates possible.

The first step we take is to check who your preferred dentist is. This will help us determine, right off the bat, which direction will be best to take with a customized dental plan.

We typically offer three dental solutions:

Nationwide Dental Discount Plans
Local Discount Plan
Dental PPO Plan

All three of these options have their pros and cons, depending on you as an individual person or families dental needs.

Dental Discount Plans

Our dental discount plans are generally the most popular because they are very affordable, offer a decent discount for all dental procedures and thousands of dentists nationwide participate.

With a dental discount plan, you pay an annual fee and get access to significantly reduced rates. Dental discount plans offer many other benefits over traditional dental insurance, such as no annual caps or limits, no wait times and absolutely no paperwork.

The discount schedule is provided to your dentist, who then agrees with the rates given. All around, this is a fantastic option if you’re looking for a low-cost dental plan that can be used immediately.

Local Discount Dental Plans

Argus is an example of an extremely low-cost dental insurance plan, but the dentist of your choice must be in-network for the plan to be cost-effective. In the Tampa Bay area, we are finding that there are reasonable for dentists through Argus. The main benefit, in my opinion, is the convenient online search portal. In today’s digital world, this online look-up is very beneficial. If you are willing to change dentists or are starting a plan with no specific dentist in mind, Argus is worth considering.

PPO Dental Plans

meritas, for example is a true PPO, making it a little more expensive than the previous two options. Other major Carriers with PPO plans are UnitedHealthOne, Cigna, Delta Dental and Aetna to name a few. There are also wait times for more expensive procedures. However, the benefits are that most dentists will accept a PPO either in or out-of-network, and there is a wide range of coverage for dental procedures.

Your dental health and your wallet are both important to us at Smart Health & Life Insurance Agency. Our goal is to get you the coverage you need without wasting your time and money.

Accumulating Wealth Safely – Is It Still Possible?

Tue, 31 Aug 2021 16:50:36 GMT

I liken this age-old question to the Tortoise and Hare analogy. If you want to accumulate wealth quickly, choosing a high risk path such as riding the roller coaster of Wall Street just might get you there or at least die trying. Or if you are already stressed out with today’s unpredictable economy and political environment, then perhaps you might want to take control of your money and put it in a safe place. A decent and predictable return on your money would be nice, little if any downside risk even better, and preferably without Uncle Sam taking his slice of your pie until much later in life, if ever.

Which one are you? Tortoise or Hare? If you are not sure, any wealth advisor worth their salt will determine your tolerance for risk through a series of probing financial questions and “what if” scenarios. Once the analysis is complete the advisor will present various methods in order to accomplish your investment goals. If you were not sure whether or not you favored slow & steady or fast & furious you will after this analysis.

Since we are discussing “safe” money it is assumed your tolerance for risk is on the low side i.e., you are a tortoise. Your Vegas days are numbered and your day-trading is over. You need to save money somewhere, but the banks 0.5% interest on savings accounts just will not cut it. Even a “whopping” 2.25% return on a 5-year CD fails to impress. Your 401(k) continues to suck wind, going up and down with the vagaries of an unpredictable stock market. In order to build real and sustainable wealth you may need to consider forgoing the high risk of playing Wall Street odds and go with something tried, true and safe.

Have you seriously considered insurance? I can hear it now – I heard insurance products are “bad investments”. Well, are they? Consider the source. The real answer to that question resides with you: what is YOUR opinion of a bad investment? Disregard my opinion, the so-called financial industry pundits and the relentless ads on TV. Go with your own gut. Ask someone you trust, perhaps your parents or grandparents who have spent their lives accumulating and preserving their money through the good times as well as the bad times. Then ask yourself, is my life and preserving my money a worthy investment?

Life insurance and annuities have been around a LONG time and are, by and large, responsible for the majority of wealth accumulation and subsequent wealth transfers between generations that has ever existed. Are they safe? Consider this: during the Great Depression, while banks and Wall Street crashed, the insurance industry maintained its strength and policyholder cash values were kept safe. In contrast, it is estimated that over 9,000 banks failed during that time, peaking again in 1989 with over 500 (Savings and Loan debacle) and just recently in 2010 when over 150 banks failed. You decide if history will repeat itself.

As a tortoise you believe that safety and guarantee of your principal is tantamount. Losing money is not in the cards, but making some money is always a good idea. After all, there is that pesky inflation. If prices go up and your money buys less there is a problem. The U.S. Government calculated 2013 ended with an average inflation rate of 1.5%. Not too bad, but certainly feels higher especially at the grocery store and gas pump.

Can a safe money haven such as a Fixed Index Annuity or Cash Value Life Insurance policy beat 1.5% in returns – emphatically yes, if structured correctly. Will these products match Wall Street with double digit returns? Occasionally, but when negative market adjustments happen as they surely will, safe havens such as these generally do not trend downwards. They patiently wait for the upward trend to resume, earning safe and reasonable returns on your money, giving you the restful sleep you deserve.

Capt. Rob Hamilton, Wealth Advisor

Contact: 813-994-5399

Email: smarthealthusa@gmail.com

Choosing A Major Medical Plan

Fri, 01 Jan 2021 18:57:37 GMT

How do you choose a Major Medical insurance plan that’s right for you?

Purchasing Health Insurance is not quite as easy as pushing a button and out comes an affordable instant quote. Some popular web sites do offer instant online quotes, however these quotes are for very basic plans commonly called “loss leaders” with very limited coverage. You will save no money doing an application on-line and very often will mess up the very complicated application resulting in a decline or increased premium.

Some key features to look for include:

Hospital: The policy should adequately cover your room and board plus any miscellaneous charges while hospitalized.
Surgical: This benefit pays your surgeons’ fee plus related costs such as anesthesiologist.
Physician: Pays for visits by the in-network doctor while confined in the hospital or on an outpatient basis.
ER/Urgent Care: Provides adequate coverage in the event of an emergency
Ambulance Transport: Pays for ground as well as air transport to the hospital.
Catastrophic Coverage: The plan should pay a high lifetime maximum to protect you against financial ruin in case of a catastrophic illness or injury
Co-insurance Maximums: Commonly know as a “stop loss” – the plan pays 100% above a certain amount therefore limiting your financial exposure to a reasonable amount.
Prescriptions: Offers reasonable co-pays for all 4-tiers of drugs, without a high drug deductible

Still confused?

We offer many plans and you have many excellent choices which ultimately will determine the final premium. Takes about 5 -10 minutes and we do not sell over the phone.

All our quotes are free for the asking, but you must talk to us so we can ask pertinent questions related to your age, sex, medication and overall health status. We offer many plans and you have many excellent choices which ultimately will determine the final premium. Takes about 5 -10 minutes and we do not sell over the phone.

We are full-service, multi-state licensed insurance agents specializing in finding the best insurance available at an affordable price for the self-employed, independent contractors , small business owners, individuals and their families.

It is our job to work directly with you to find the right policy, with the right coverage, at the right price for you and your family. Contact Smart Health & Life Insurance today to see what your options are!

smarthealthusa

Your Medicare Options and Why They Matter

Unraveling The Basics Of Medicare

What Plan Is Right For You?

Understand Your Options ﻿

Affordable Dental Plans

Three Important Reasons to Plan for Final Expenses

This is a subtitle for your new post

Your Customized Life Insurance Options

Because He Loved Me

Term or Permanent Life Insurance: How do you know if you have the right coverage?

Retirement Insurance Plans

Retirement Insurance Plans

…Your Guaranteed Solution

Contact us today to discuss your retirement options.

Health Insurance

Today’s Health Insurance Marketplace ﻿

How Do I Get Affordable Health Insurance?

How to Choose the Right Plan

Choosing a Low-Cost Dental Plan

Long Term Care & Burial Insurance

Long Term Care (LTC)

Final Expense or Burial Insurance

Easy Quote Link for Traditional, Non-Obamacare Health Insurance

Myths About Disability Income Insurance

Facing the Facts ﻿

The Ugly Truth About Out-Of-Pocket Dental Costs

It Probably Doesn’t Cover Dental.

The True Cost of Dental Work

Your Dental Insurance Options

Dental Discount Plans

Local Discount Dental Plans

PPO Dental Plans

Accumulating Wealth Safely – Is It Still Possible?

Choosing A Major Medical Plan

Some key features to look for include:

Still confused?

Understand Your Options

Today’s Health Insurance Marketplace

Facing the Facts