Prescott Medicare Supplements explained by Adler Insurance

Medicare Supplements, often call Medigap, are health insurance plans designed to supplement the original Medicare program. Medicare supplements provide coverage for the gap between what you are charged for healthcare services and what Medicare pays for. Medigap Plans are government-approved plans that are provided by private health insurance providers. At Adler Insurance Inc., we are here to answer all your questions about Medicare Supplements.

Most of our clients are confused about Medicare parts and plans. Which plans provide the most coverage, and which plans are the most cost effective? Medicare Part A covers the cost of being in the hospital after you pay the $1,260 deductible. Medicare Part B covers about 70% of your out-patient medical expenses. The Medicare Supplements (Medigaps) are designed to fill in the gaps by paying the $1,260 deductible and the other 30% of outpatient medical expenses Parts A and B do not cover.

There are many types of Medicare Supplemental coverage's available called Plans F, G, K, L, M, and N. Plans F and G provide the most expensive Medigap coverage, while Plans K, L, M, and N have progressively more out-of-pocket expenses with lower monthly premiums. For most of us, it is easier to pay the monthly premium for supplemental coverage than it is to pay large medical bills while we are sick.

Eligibility for Medicare Supplemental coverage usually is not a problem. When you reach age 64 ½, you can apply for Medicare Supplemental Insurance without answering any medical questions. After you reach age 65 ½, you will need to answer a short list of medical questions.

At Adler Insurance Inc., our goal is to provide each of our clients with the assistance needed to choose the best insurance coverage possible.We can help you choose the best health insurance, life insurance, or long-term care insurance. Give us a call at 928-710-1455 or visit us online at http://www.adlerlifehealth.com.

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Adler Insurance in Prescott is your local expert for medicare and life insurance

At Adler Insurance we strive to be the people you trust to protect your family and your health. We take pride in providing you with reliable Arizona Medicare Insurance, Life and Health Insurance. We want to insure the future of both you and your family.

Regardless of the type of insurance coverage you need, we will provide a comprehensive and professional review of your situation. It is the goal of Adler Insurance 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

We know that finding the right insurance program can get confusing. It can be overwhelming to weigh the pros and cons. Adler Insurance wants to be more than just your insurance provider, we want to be your friend. We guarantee that we will find the ideal policy that will fulfill the needs of you and your family.


We also want you to know that every year, Medicare open enrollment is available from October 15th through December 7th. Information for next year’s plans will be available beginning in October. You can find your Medicare plan information and compare plans at 800-MEDICARE or Medicare.gov.

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, and 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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Why single parents need life insurance

Life insurance is a must have for many people but it’s especially important if you’re raising children on your own. Americans struggling with their finances in today's downtrodden economy may think they can save money by skimping on life insurance. Almost 70% of single parents don’t have life insurance. Adler Insurance suggests you consider these three things to help you figure out how much life insurance you need.

1. Life insurance provides your family with an additional source of income in case something happens to you. If you have children, it is recommended to get coverage the equivalent of eight or nine times the gross annual household income.

2. Having life insurance as a single parent isn’t enough because you also need to know what it’s going to be used for. This depends on how old your children are and what would happen to them if you died before they reached adulthood. You might require additional coverage if your guardian doesn’t make enough to cover the additional expense of raising your kids.

3. When you die, the executor of your estate is responsible for determining your debts and using any assets you have to pay them off. If you’re still paying off student loans or other debts, your creditors could go after your life insurance monies before your beneficiaries receive any funds. If you owe thousands of dollars, you might need to increase your life insurance to cover all your debts.

Americans struggling with their finances in today's downtrodden economy may think they can save money by skimping on life insurance. Approximately 30 percent of U.S. households have no life insurance coverage and among households with children under 18, over 11 million have no coverage. Approximately 30 percent of U.S. households have no life insurance coverage and among households with children under 18, over 11 million have no coverage.

Check your policy and review it with your Adler Insurance if you’re not sure it’s accurate or you have what you need. We can answer all your questions and ensure you have adequate coverage to take care of your loved ones. Give us a call at  928-710-1455 or visit us on online at http://www.adlerlifehealth.com.

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Why hire an independent insurance agent?

Consumers generally think they benefit when they buy insurance directly. Adler Insurance explains why this is not true. Many customers think a middle man is an unnecessary third party and they will pay more. So why should you hire an independent insurance broker agent. So what is really important to consumers when researching insurance? These are the 5 things that consumers are concerned with when purchasing insurance.

1. Cost- contrary to belief broker pricing is actually better than direct insurance pricing. The reason for this seems is due to insurers providing different rates to brokers so the premiums are lower.

2. Ease - most thought that buying directly would be easier, but many online queries fell through the cracks. Most brokers are more pro-active in answering phone calls and emails.

3. Speed - Many direct services are routed to call centers with staff not really having insurance knowledge. Brokers were more efficient and saved customers lots of time by answering their questions at the time of inquiry and having the information.

4. Peace of mind that everything is covered - Brokers are more efficient at cross-checking policies and educating their customers with detailed explanations of coverage. Many times the really good direct services focused only covering the low risk policies, and leaving any consumer with non-standard requirements high and dry.

5. Security of personal data - Brokers were better at giving people a stronger feeling that they were in safe hands because they were dealing directly over the phone and not just inputting their data into a website.

Let Adler Insurance help you with all your insurance needs. Trust us to shop around and the policy that best suits your needs. For more information call us at 928-710-1455 or check out our website at http://www.adlerlifehealth.com.

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Prescott Medicare Open Enrollment information

Adler Insurance wants you to know that every year, Medicare open enrollment is available from October 15 through December 7. Medicare health and drug plans may have changed their costs, coverage, and which providers and pharmacies are now included in their networks. This is the only time when all people with Medicare can change their health and prescription drug coverage for the following year.

People with a Medicare health or a prescription drug plan should always review the materials that their plans has sent them. Make sure you carefully review the “Evidence of Coverage” (EOC) and “Annual Notice of Change” (ANOC). If anything is changing, you should make sure that it will still meet your needs for the following year. If you are satisfied with your current plan you don’t need to do anything.

Information for next year’s plans will be available beginning in October. You can find your Medicare plan information and compare plans at 800-MEDICARE or Medicare.gov. 

If you have special needs, Medicare has outreach and media materials for English-speaking and other audiences that can help you to aid others with Medicare open enrollment.
 
Adler Insurance in Prescott, AZ is more then happy to answer any questions you may have regarding Medicare open enrollment. We're experts when it comes to evaluating your insurance needs, and are here to help you. Give us a call at 928-710-1455 or visit our website at: http://www.adlerlifehealth.com.

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Adler Insurance discusses Medicare enrollment in Prescott

The Medicare Part D prescription drug plan can be very confusing. Adler Insurance can help you with your Medicare enrollment in Prescott and explain what you should consider when choosing a Medicare Part D plan.

If you are a recipient of Medicare coverage, you are eligible to receive Medicare Part D. This 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 are the same. The costs of Medicare Prescription Drug Plans vary and come with a 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.

There are specific times when you can sign up for these plans, or make changes to coverage you already have. You don’t need to sign up for Medicare each year. However, each year you’ll have a chance to review your coverage and change plans.

Adler Insurance in Prescott, AZ 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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Who is eligible for Medicare?

Adler Insurance in Prescott brings you these helpful tips about Medicare eligibility. Medicare is available for people age 65 or older, younger people with disabilities and people with End Stage Renal Disease. Medicare has two parts, Part A (Hospital Insurance) and Part B (Medicare Insurance).

To find out if you are eligible and your expected premium, go the Medicare.gov eligibility tool.

If you (or your spouse) did not pay Medicare taxes while you worked, and you are age 65 or older and a citizen or permanent resident of the United States, you may be able to buy Part A.

If you are under age 65, you can get Part A without having to pay premiums if:

•You have been entitled to Social Security or Railroad Retirement Board disability benefits for 24 months.

•You are a kidney dialysis or kidney transplant patient.

While most people do not have to pay a premium for Part A, everyone must pay for Part B if they want it. This monthly premium is deducted from your Social Security, Railroad Retirement, or Civil Service Retirement check. If you do not get any of these payments, Medicare sends you a bill for your Part B premium every 3 months.

Since January 1, 2006, anyone with Medicare, regardless of income, health status has had access to prescription drug coverage.

Medicare eligibility can be confusing, so contact Adler insurance today for more information and clarification for what is right for you. Call 928-710-1455 or visit our website http://www.AdlerLifeHealth.com.

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