Adler Insurance explains why you should use a Healthcare Insurance Agent in Prescott.

Health Insurance is very confusing.  There are constant changes, lots of choices, many different companies and plans.  Why not have an expert helping you along the way?    Adler Insurance explains some of the misconceptions about using a Healthcare Insurance Agent in Prescott:

1. They are just a middle man:  while this statement may be true…it doesn’t mean they aren’t needed.  A healthcare insurance agent is a key part of the process and can walk you through all of the steps in acquiring a proper policy that fits your specific needs.
   
2. You pay more for a Healthcare Insurance Agent:  This is not true.  The agent is paid by the insurance company.  The price to you is the same whether you use an agent or not.  You might as well get the professional advice!
   
3. The Agent has the insurance companies’ best interest in mind, not mine:  Most healthcare insurance agents are independent.  It is in their best interest to make sure you have the best plan available so you continue to stay with them year after year.
   
4. There is no benefit to using an Agent:  There is always a benefit in getting professional advice for free.
   
5. It’s easier to buy health insurance online:  Maybe a true statement if you are buying a pair of shoes.  Health Insurance is very complicated with many different options to consider.  If you choose the wrong plan, you cannot just return it for a refund.     

We hope you enjoyed some of the above clarification.  As you can see, there is no cost to you to receive the professional advice of a qualified Healthcare Insurance Agent.

We encourage you to call us and talk further about your individual Healthcare Insurance needs in Prescott.  Jessie and Dina Adler at Adler Insurance would love to assist you in making good Healthcare decisions.  Please don’t hesitate to call 928-710-1455 or visit our website at http://www.AdlerLifeHealth.com today!

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Health Insurance Agent Jesse Adler with Adler Insurance discusses how he can assist you in Prescott.

A Prescott resident for 35 years, Jesse is very familiar with the health insurance needs of our residents.  He has been in the health insurance business for over 8 years.  Jesse and his wife Dina, try to really develop a complete healthcare package for each client that is specific to their individual needs.  Here are some more reasons you should consider Jesse and Dina Adler as your Health Insurance Agent in Prescott:

• They can give you the personal attention you deserve.
• They are local and know the insurance companies that are represented in Prescott.
• They are affiliated with multiple insurance companies, so they can help you choose from  many different plans.
• They will be your personal advocate when dealing with the insurance companies. 
• No confusing website to figure out…they will sit down with you face to face.
• Easy to setup appointments.
• They can come to you.  They will gladly drive to visit you at your home or workplace to discuss your needs.
• They are well versed in the different healthcare plans available.
• They will ensure that you are comfortable with your health insurance decisions.

We encourage you to call us and talk further about your individual needs.  Jesse and Dina Adler at Adler Insurance in Prescott would love to assist you in making good healthcare decisions.  Please don’t hesitate to call 928-710-1455 or visit our website at http://www.AdlerLifeHealth.com today!

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Adler Insurance talks about using a Medicare Insurance Broker in Prescott.

There are always a lot of people turning 65 in the Quad City area.  This is an important age when it comes to Medicare decisions.  This is the age that you are able to sign up for Medicare and decide if supplements are right for you or if you should opt for a Medicare Advantage Plan.  These are not decisions to take lightly.  The Government has produced many handbooks, pamphlets, etc to help you in making a good decision, however, Medicare is somewhat confusing and the rules and language change almost every year.  Adler Insurance talks about why you might want to consider using a Medicare Insurance Broker in Prescott.  Here are some of the things you will need to know about your decision:

1.  Are there deductibles?
2.  Is there a monthly fee?
3.  Does my plan include medication?
4.  Are there limits to my coverage?
5.  Are there doctors in my area who accept the advantage plan?

If any of this sounds overwhelming to you, you might want to really consider using a Medicare Insurance Broker to help you make informed decisions.  Your Broker will be well versed in the different plans, supplements and options for you to consider. 

Some people say “but I don’t want to pay extra for a broker’s help!”  Don’t worry…you don’t have to!  Brokers get paid from the insurance companies and their commission does not affect your premium.  You will pay the same premium whether you sign up yourself or use a broker to help you.

We hope you found this information helpful.  Adler Insurance in Prescott would love to assist you in making your Medicare decisions.  Please don’t hesitate to call 928-710-1455 or visit our website at http://www.AdlerLifeHealth.com today!

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Adler Insurance explains why you should choose a Health Insurance Broker in Prescott

Buying a health policy is very different than purchasing Auto, Home or Life Insurance. Because your family’s health situation changes constantly, your Healthcare plan will need to change with it.  Adler Insurance explains why you should choose a Health Insurance Broker in Prescott to help you with this difficult task.

You get informed choices – Healthcare Brokers typically represent many different Healthcare providers.  They should be able to find the right coverage for your particular situation by comparing the many different options with you.

Your personal advocate – There are many things that go into Health Insurance.  By having a broker, he or she can be your advocate in the following situations:


-    Claims assistance
-    Explain benefits and options to your employees
-    Resolve billing issues
-    Assist you in making changes to your plan when needed.
-    Communicate with Doctors/Hospitals if necessary.


Will be your Healthcare advisers – Healthcare Brokers not only find you competitive pricing, they make sure you are adequately covered. They will sit with you and go over all of your needs to ensure you don't have any gaps in your coverage.  They will also make sure you choose a plan that works in your area.

Business Partners – Do you own a small business?  Your Healthcare Broker can help you in putting a healthcare plan together for your employees that provides for them at a price you can afford.

They offer one-stop shopping – Healthcare Brokers can usually meet all of your insurance needs with the companies they represent.  They make your life so much easier because you only have to deal with one broker for all of your healthcare needs.

Adler Insurance would love to be your Healthcare Broker.  Please call 928-710-1455 or visit our website at http://www.AdlerLifeHealth.com today!

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What exactly is Medicaid? Adler Insurance in Prescott explains

Health coverage is meant to be obtainable by everyone, however in some cases medical care would be out of reach for those who cannot afford it financially. Medicaid could be your solution. Adler insurance in Prescott explains what Medicaid is and who can get it.


What is Medicaid?

According to the U.S. Government Social Security Administration's website, they define Medicaid as follows:

"Medicaid is a jointly funded, Federal-State health insurance program for low-income and needy people.  It covers children, the aged, blind, and/or disabled and other people who are eligible to receive federally assisted income maintenance payments."

Arizona has the following eligibility requirements for determining who qualifies for Medicaid:

• Children 0-1 with family income up to 147% of Federal Poverty Level (FPL).
• Age 1-5 with family income up to 141% of FPL.
• Age 6-18 with family income up to 133% of FPL.
• Pregnant women with family income up to 156% of FPL.
• Parents with family income up to 133% of FPL.
• Childless, non-elderly adults with family income up to 133% of FPL.
• Elderly and disabled individuals who have special requirements and meet certain income limits.

 If you would like to learn more, or have any questions give us a call today! We can help you figure out what is best for your particular situation. Contact Adler Insurance in Prescott, call 928-710-1455 or visit our website at http://www.adlerlifehealth.com today.

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What Are Medigap Plans? Medicare information provided by Adler Insurance in Prescott

Medicare provides a whole lot of coverage, but it doesn't cover everything. Medigap is extra health insurance that you buy from a private party to cover co-payments, deductibles, and health care when traveling outside the United States, however you will pay a monthly premium for a Medigap policy. Adler Insurance brings you this information on the basics of Prescott Medigap policies.

Am I eligible for Medigap?

Medigap policies are only available to people who have Medicare Part A and Medicare Part B, although people who have a Medicare Advantage plan cannot get a Medigap plan. Medigap policies won't cover long-term care, dental care, vision care, hearing aids, eyeglasses, and private-duty nursing. And most plans do not cover prescription drugs.

If you are going to buy a Medigap plan, the open enrollment period is six months from the first day of the month of your 65th birthday. If you and your spouse want Medigap coverage, you'll need to buy separate policies; spouses aren't covered together.

What is the cost?

Premiums vary among insurance companies, but the benefits of each standard Medigap plan are always the same. There are many different Medigap policies to choose from, however there is no difference in plans offered by different insurers; plan details are all set by the government.

The cost of your Medigap policy depends on the type of plan you buy, the insurance company, your location, and your age. A standardized Medigap policy is guaranteed renewable, even if you have health problems, if you pay your premiums on time.

Still want to know more?

For more information on the specifics of Medigap plans, give us a call today! We can help you to choose a policy that will meet your needs. Contact Adler Insurance in Prescott, call 928-710-1455 or visit our website at http://www.adlerlifehealth.com today.

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Adler Insurance walks seniors through Medicare Enrollment

From start to finish, the Medicare process can be extremely confusing and complex. It doesn’t have to be that way.  Adler Insurance will help you walk through the process of applying for Medicare Enrollment in Prescott.  Adler Insurance will assist you in navigating the complexities of the Medicare transition process every step of the way with personalized advice and expert recommendations when selecting an Arizona Health Insurance Provider.

Each step is a natural progression from the step before, thereby providing you a simple and understandable process.

Step 1: What is Medicare?
In order to make the correct Medicare decision, you must first understand how Medicare works.  What is Medicare Parts A & B?   What is covered and what is not covered?

Step 2:  Options
We educate you on the differences between Medicare Advantage vs Medicare Supplement plans.  We dissect all Medicare Supplement Plans and Medicare Advantage Plans in your area. Based on your needs and goals, thorough understanding of the plans, we assist you in deciding on just the right plan.

Step 3: Choosing a Carrier.
We diligently shop around for you to get the best plan at the absolute lowest cost.

Step 4: Part D.
Review your Prescription Plan options.

Step 5: Enrollment Process.
We take all the hassle away from you during the enrollment process.  From making sure that all your paperwork is completed correctly, submitting paperwork properly, to insuring that you are enrolled in a timely fashion.  We take all the headaches away from you.

You don’t just choose a plan and then never hear from us again.  Should any problems arise, we are a phone call away.  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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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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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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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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How a Marketplace healthcare insurance plan protects you - Adler Health Insurance in Prescott

 Healthcare insurance covers essential health benefits critical to maintaining your health and treating illness and accidents. Healthcare insurance protects you from unexpected, high medical costs. You pay less for covered in-network health care, even before you meet your deductible.Adler insurance in Prescott brings you these helpful tips.

When you have coverage, your plan protects you from high medical expenses 3 ways:

• Reduced costs after you meet your deductible.
• Out-of-pocket maximum
• No yearly or lifetime limits

You get free preventive care, like vaccines, screenings, and some check-ups, even before you meet your deductible.If you have a Marketplace plan or other qualifying coverage, you don’t have to pay the penalty that people without coverage must pay.

In conclusion, Healthcare insurance is crucial to your day to day life as accidents can happen at anytime! Contact Adler insurance today for more healthcare insurance information. Call 928-710-1455 or visit our website http://www.AdlerLifeHealth.com

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Why Healthcare Insurance Coverage Is Important - Adler Insurance in Prescott

No one plans to get sick or hurt, but most people need medical care at some point. Healthcare insurance covers these costs and offers many other important benefits. Healthcare insurance provides important financial protection in case you have a serious accident or sickness.

People without healthcare coverage are exposed to these costs. This can sometimes lead people without coverage into major debt or even into bankruptcy. Adler insurance brings your this helpful healthcare information.

It’s easy to underestimate how much medical care can cost:

• Fixing a broken leg can cost up to $10,000.
• The average cost of a 3-day hospital stay is around $30,000.
• Comprehensive cancer care can cost hundreds of thousands of dollars. Having healthcare insurance can help protect you from high, unexpected costs.

In conclusion, Healthcare insurance is crucial to your day to day life as accidents can happen at anytime! Contact Adler insurance today for more healthcare insurance information. Call 928-710-1455 or visit our website http://www.AdlerLifeHealth.com

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Do you need an insurance agent for medicare?

With approximately 10,000 people turning 65 every day in the United States, there is a lot of interest in Medicare.  Every day people are searching the internet to learn about the rules, the features, the benefits and the choices they have when it comes to Medicare. These tips are brought to you by Adler Insurance in Prescott, AZ

 One of the first questions people often ask of themselves is “Do I need an insurance agent for Medicare?”  Well, Medicare is complicated, the new terms can be confusing at first.  It takes time to learn, especially for those that do not work with insurance every day.  And it is easy to miss important information and to make wrong choices that cost thousands of dollars down the road.

The right insurance agent can help save you time, reduce confusion or the frustration of learning something new and can save you thousands of dollars in medical expenses that you may not be considering when wading knee-deep in Medicare regulation. 

What we have found in our many years of experience in the industry is that most people who choose not to seek the help of a professional agent do so because they fear being sold something.  It’s like how people feel when they walk into a car dealership.  They want a car, and they wouldn’t mind some honest help in considering what to purchase, but they don’t want to be “sold” a car.

A second reason for not seeking advice from a professional is the belief that you can get all the information you need on their own.  Well, that is true, the information is available. However, as a wise man once told me; “Knowledge is not wisdom, and wisdom is not experience.”  Anyone can get the knowledge they need from the Medicare & You handbook and the Choosing a Medigap Policy publication.  You can even call Medicare or other government services.  But, none of those sources can pass along what a good professional has learned from experience.

At Adler Insurance we can help take the hassle and confusion out of Medicare! Call us today. 928-710-1455 or visit our website http://www.adlerlifehealth.com

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