What you should know about Medicare Open Enrollment in Prescott - Adler Insurance

Medicare Open Enrollment season is confusing. There are almost too many things for one person to know on their own. That’s why Adler Insurance, a leading life insurance and Medicare Insurance broker in Prescott, is here to tell you what you can do this Open Enrollment season to make sure that you take advantage of all your options.

• You can change plans - The whole idea of open enrollment is that you have an opportunity to change your plan if you'd like. This could be because the plans are going up in price, or maybe because your plan no longer covers what you need it too.
• You can drop a plan even after the Open Enrollment period ends - How can you know if you like your plan if you don't even have a chance to try it? Between January 1st and February 14th, you can drop your plan if it isn’t meeting your needs.
• Make sure that you look at all aspects of costs - Just looking at the premiums isn't enough. Look at the cost of copays, coinsurance, premiums, and deductibles as well, so you know truly how much you will be spending that year.
• Check your medications - Each year, various medications are added and removed from various plans. Check and make sure that you are getting what you need on your plan so you don't have to pay out of pocket for it.
• Make sure that you can keep your doctor - Doctors can sometimes be added or removed from the network. If your doctor is removed from on plan but not another, you might want to change plans, or face losing your doctor.
• Many preventive services are free - yearly wellness visits, diabetes screenings, cancer screenings, etc. are often free for Medicare and Medicare Advantage users. Make sure you know what is free and take advantage of them.
• Know your options - Like many things in life, being informed is one of your most powerful tools. Staying in the know with all the changes that might affect you can help you save money and time.

If all of this is too confusing, or if you don’t have the time of patience, we can help. Adler Insurance, a leading expert in Medicare Insurance in Prescott, would love to help you save money and get you the best value for your Medicare coverage. Call us today at 928-710-1455 or vihttp://www.adlerlifehealth.com for more information.
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Adler Insurance covers Life, Health and Medicare Insurance in Prescott

At Adler Insurance we go far beyond being just another Arizona Health Insurance Provider. We strive to be the insurance leaders you trust to protect your family and your health. From providing you with reliable Arizona Medicare Insurance, Life and Health Insurance, we want to take it to the next step and insure your future and your family's.

Regardless of the type of insurance coverage you need, you can rely on Adler Insurance for a comprehensive and professional review of your situation. Our goal is to make you feel comfortable and confident in our ability to serve you.

At Adler Insurance, we specialize in the following types of insurance coverage:

• Medicare Advantage Insurance
• Life Insurance
• Medicare Supplement Insurance
• Medicare Part D Prescription Drugs
• Long-Term Care Insurance

Learn what your options are - they can be complicated, let us help you
We know that finding the right insurance program can get confusing. From having to weigh the pros and cons, it's easy to get overwhelmed. We guarantee that the health, life, dental, long-term care, Medicare Advantage or Medicare supplement insurance that you buy with our assistance will fulfill your needs.

You can get additional benefits at low or no cost
At Adler Insurance we want to be more than just your insurance provider, we want to be your friend. By helping you navigate your way through one of the most critical life decisions you will have to make; we promise to provide you with a custom Arizona insurance plan you and your family can rely on.

Serving the insurance needs of Yavapai County
Adler Insurance is your local insurance provider of choice for Medicare Insurance, Health Insurance, Life Insurance, and Long-Term Care Insurance in Prescott, Prescott Valley, Chino Valley, Flagstaff, Phoenix, or anywhere in the State of Arizona.


We're experts when it comes to evaluating your insurance needs, and are here to help you. Contact us at 928-710-1455. Visit our website at: http://www.adlerlifehealth.com.

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Adler Insurance in Prescott discusses the loss of Medicare Advantage Plans in Prescott

Seven Insurance Companies Under Obamacare Have Pulled Out of the Arizona Marketplace for Next Year, Leaving 13 of the State’s 15 Counties with the Prospect of Just One Provider in 2017.  Up to 2.1 million people will likely have to change plans for 2017 due to insurers leaving states' Affordable Care Act marketplaces, up from more than 1.2 million who had to find new insurers last year.
Federal officials “remain confident” that Arizona residents will have options and Adler Insurance in Prescott wants to discuss options for medicare advantage plans in Prescott.

Phoenix Health Plans is the latest in a string of insurers that have scaled back coverage in Arizona. Phoenix Health Plans joins Aetna, Health Choice, Humana, UnitedHealth, Blue Cross Blue Shield and Health Net, all of which have pulled out or pulled back from an ACA marketplace in Arizona where many were losing money.  These latest assessments show how leery insurers are of the costs and rules associated with selling on the ACA exchanges.

Stephen Briggs, a spokesman for Arizona’s Department of Insurance, said there is little the state can do to lure insurers back into the marketplace.  While the state may not have plans to bring insurers back into the marketplace, U.S. Department of Health and Human Service officials “remain confident that all Arizona residents will have access to coverage next year,” department spokeswoman Marjorie Connolly said in an emailed statement.

For more information on Medicare Advantage Plans you can reach Adler Insurance at 928-710-1455 or by visiting http://www.AdlerLifeHealth.com/.

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I’m healthy, why should I pay for health insurance? Adler Insurance in Prescott.

Why it might sound counter intuitive for a healthy person to keep a health insurance policy, Adler Insurance would like to share why healthcare is important even to healthy individuals.

It’s the law:

Probably the most logical reason to keep or acquire healthcare is that it's required for all Americans to obtain health insurance under the Affordable Care Act (Obamacare). Not having healthcare will result in a hefty penalty that will be determined by your taxable income.

You can’t predict the future.

In all honesty, you'll never know what is going to happen in the future. It is possible that you can get sick or even get a deadly disease. Without health insurance, the expenses would pile up very quickly. Some Americans have even died because they where unable to pay for the medical care they desperately needed.

If would be cost effective in the long run.

If you have health insurance you will be more likely to get regular checkups, in which would make it easier to spot potential health issues down the road. Prevention now could prevent a medical crisis in the future.

It’s considerably cheaper to purchase healthcare when you’re healthy

The healthier you are right now the cheaper your premiums will be. If you already have an illness, your coverage costs could go way up. That is why it could be important to keep health insurance when you are healthy because you might not be able to afford it when you have a major decease or illness.

At Adler Insurance, our experienced agents can help you with all your health insurance needs in Prescott AZ. We have an experienced staff evaluating our clients’ situations and can find heath insurance coverage that will meet your needs and stay within your budget. Contact us at 928-710-1455 or visit our website at: http://www.adlerlifehealth.com/

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Medicare Advantage Plan, Adler Insurance of Prescott

Adler Insurance would like to share the benefits of the Medicare Advantage plan and why it may save you money. If you are still enrolled in the original Medicare plan, it may be costing you unnecessary out-of-pocket expenses. This is because the original Medicare plan had no cap on your annual out-of-pocket exposure.

If you do not have a Medicare Advantage plan (also known as Part C), it is a lower-cost alternative plan that also offers more benefits then the old Medicare plan. Most people over the age of 65 are eligible for the Medicare Advantage Plan, there is usually no medical questions asked when applying for coverage.

The nice thing about the Medicare Advantage plan is that it includes benefits provided by Part A and Part B, as well as a slew of additional benefits, like prescription drug coverage. A very important benefit of Part C, is that it is usually less expensive and offers predictable costs. Plan C includes a set co-payment and out-of-pocket maximums so there is no guess work. There are no surprise medical expenses.

Many Medicare Advantage Plans are what are Fee-for-Service Plans, which means that there is a co-payment charged for most services, including office visits, tests, treatments, and hospitalizations. A yearly limit to the amount you can be charged in co-payments for in-network medical services are normally covered under Medicare Parts A and B.

Medicare Advantage Plan Part C lets you go to any doctor that accepts your plan. Most Medicare Advantage Plans include a wide variety of services:

    X-Rays
    Laboratory Tests
    Therapies
    Care From Specialists
    Hospital Admissions
    Follow-Up Care

At Adler Insurance, we are experts when it comes to Medicare Advantage Plans in Prescott Valley, AZ. We have the most experienced agents evaluating our clients’ situations and can recommend insurance coverage that will meet your needs and stay within your budget. Contact us at 928-710-1455. Visit our website at: http://www.adlerlifehealth.com/

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Which Medicare Part D plan is ideal for you? Adler Insurance in Prescott

The Medicare Part D prescription drug plan can be very confusing due to its various parts covering different medications and varying in cost. Adler Insurance would like to explain what you should consider when choosing a Medicare Part D plan.

First of all if you're a recipient of Medicare coverage, you are eligible to receive Medicare Part D. The plan helps with the following: Cover the cost of prescription medications, can be offed as a stand alone plan or complement a Medicare Supplement Plan, and can be a complement to Part C.

All Part D plans have been approved by Medicare in Prescott. Each plan is different as well as the cost. This mean you must take into consideration the pros and cons of each plan.

Questions you should ask yourself:
How often do you take prescription drugs?
What are the types of drugs do you take?
Do you take brand name or generic drugs?
Would you prefer a yearly deductible or a cheaper monthly premium?

Not all Medicare Part D plans cost the same or offer the same coverage options. The costs of Medicare Prescription Drug Plans vary and come with different lists of drugs (formularies) that are covered under the plan. Most Plans divide the drugs up into at least four categories, with a different price for each category. Depending on the type of medical conditions you have, you will want to choose a plan with the most affordable prices for the drugs you take.

As mentioned previously, deciding which plans to choose from can be confusing, that is why Adler Insurance is more then happy to answer any questions you may have on Medicare Part D. We're experts when it comes to evaluating your insurance needs, and are here to help you. Contact us at 928-710-1455. Visit our website at: http://www.adlerlifehealth.com/

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Having trouble finding the ideal life Insurance plan? Adler Insurance in Prescot can help!

Term life insurance, whole life insurance, universal life insurance, variable life insurance, survivorship insurance... the list and combinations seem to be endless. At Adler Insurance we want to help you determine which insurance policy type is right for you. Our dedicated team of professionals understands the Arizona market and its regulations. We can find the right plan that will fit your unique needs.

Term and Whole Life Insurance

This type of insurance will cover you or a group for a "term" or period of your life. With this class you will get lower premiums for higher coverage. Be aware that rates can change after specific terms expire. Term life insurance has no equity and cash value.

With whole life insurance, protection carries with your whole life for a set premium. This class can actually build equity and has a cash value. Be aware that whole life insurance has higher premiums than term life, but can be more valuable in the long run.

You can also get a hybrid in which Term and whole life combined into one plan, this will build a lifelong base of whole live coverage and can supplement specific times of your life with term insurance.

We have many Life Insurance Providers to choose from:

• EMC National Life
• West Coast Life
• Mutual Of Omaha

We are committed to helping you understand the complexities of life insurance plans and providers. With our knowledge and dedication to customer service, we will provide you with the most comprehensive life insurance plans at affordable rates.

It is our goal to help you make a wise decision about your life insurance coverage. We're experts when it comes to evaluating your insurance needs, and are here to help you. Contact us at 928-710-1455. Visit our website at: http://www.adlerlifehealth.com/


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