You’re young… Adler Insurance explains why you should buy life insurance in Prescott

There are several good reasons for buying life insurance when you’re young. While everyone’s situation is different, there are some factors to consider that you may not be aware of. Adler Insurance, your local life insurance agent, brings you these tips.

Benefits: Life insurance is primarily purchased for the death benefit, but life insurance also has living benefits. The purchase of a whole life policy while you’re young can create a cushion for expected, or even unexpected events. Cash value accumulated in a whole life policy can be borrowed against, and used for a college education, a wedding, or even purchasing your first home. Your life insurance professional can help you structure your loan properly.

Retirement: Most of us understand the importance of having a 401K, an IRA and investment accounts to prepare for retirement. Having a whole life policy as part of your retirement portfolio means you can use some of the cash value of your life insurance to supplement your retirement income.

Premiums: The cost of life insurance premiums are based on age and health. Generally, the younger you are, the lower your life insurance premiums will be. If you wait until you’re older, you risk the possibility of a health status change, and you may be unable to obtain life insurance at an affordable cost, if at all. You’ll want to lock in your premium while you’re young--then it’s guaranteed to never increase.

Family: If you’re young and single, you may have more disposable income at this season of your life versus waiting until you have the expense of starting a family to consider.

Whether or not you are starting a new family or just out of high school, thinking about getting life insurance in Prescott is a must! Adler Insurance is here to help, call 928-710-1455. Visit us at http://www.adlerlifehealth.com.

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Why do you need life insurance? Adler Insurance in Prescott reminds you of its importance!

Life insurance is never a “fun” conversation, but to protect your family, dependents, business, or legacy, you must eventually sit down and have a conversation with a life insurance expert.

Insurance can be confusing and it’s hard to know what you really need or want. Adler Insurance in Prescott brings you these reasons why life insurance is needed.

You never know what can happen: Dying suddenly in an accident, unexpected illness, or natural causes can happen at any time. Life insurance helps your loved ones pay the mortgage, bills, even college costs, after you’re gone.

Funerals are expensive: In some cases $7,000 to $10,000 for funeral services. This is the average cost of a burial ceremony that will be faced by your loved ones.

Protect those you love: You work hard to make sure those you love are taken care of. It’s just as important to consider providing financial support for the future living costs of surviving dependents.
Death shouldn’t mean debt: Life Insurance can help your dependents cover any financial responsibilities that are left after your death.

Anything can happen: If you develop a serious illness, you may not be able to get life insurance to the extent you need it. If you have a terminal illness, life insurance can provide you with financial support.

Take care of business: Life Insurance isn’t just for individuals. It can protect a business from financial loss, liabilities or instability in the case of the death of a business owner/partner.

Supplement your retirement: You can use life insurance to make sure your retirement savings lasts as long as you do. You put an amount of money into a life insurance product and in return you get a guaranteed stream of income month after month, for as long as you live.

It makes financial sense: Life insurance is considered a financial asset, which can help increase your credit and help you to get a loan or health insurance.

Give to charity: Life Insurance can enable you to leaving a lasting gift to a favorite cause or charity that is much larger than you would otherwise set aside for donation.

Peace of mind, plain and simple: No amount of money can ever replace a person. But more than anything, life insurance can help provide protection for the uncertainties in life.

With so many options and outcomes for a life insurance plan you should talk to a life insurance advisor about your options. Adler Insurance in Prescott is here to help. We care about you! Give us a call at 928-710-1455 or visit or website at http://www.adlerlifehealth.com.

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Adler Insurance helps seniors with the transition to Medicare in Prescott

If you have a health plan through the Health Insurance Marketplace and will soon have Medicare eligibility, it’s not too soon to start planning for your coverage to switch.  Adler Insurance provides tips to help make the transition easier for Medicare in Prescott.

Once Medicare eligibility begins, you’ll have a 7 month Initial Enrollment Period to sign up. For most people, this is 3 months before, the month of, and 3 months after their 65th birthday.

It’s important to sign up for Medicare when you’re first eligible because once your Medicare Part A coverage starts, you’ll have to pay full price for a Marketplace plan. It’s important to coordinate the date your Marketplace coverage ends with the effective date of your Medicare enrollment, to make sure you don’t have a break in coverage. If you have limited income or resources, you may qualify for help paying costs.

If you’re the only person on your Marketplace application, you can cancel the whole application.

If you and your spouse (or other household members) are enrolled on the same Marketplace plan, but you’re the only one eligible for Medicare, you’ll cancel Marketplace coverage for just yourself. This way any others on the Marketplace application can keep Marketplace coverage. Find out how here.

For more information on signing up for Medicare contact Adler Insurance at contact us at 928-710-1455 or by visiting us at http://www.adlerlifehealth.com. 

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Adler Insurance provides the necessary information for consumers on qualifying for Medicare in Prescott

You must meet certain requirements for Medicare eligibility.  Adler Insurance in Prescott provides the necessary information to see what qualifications you meet for Medicare.

Generally, Medicare is available for people age 65 or older, younger people with disabilities.  You are eligible for premium-free Part A if you are age 65 or older and you or your spouse worked and paid Medicare taxes for at least 10 years. You can get Part A at age 65 without having to pay premiums if:

• You are receiving retirement benefits from Social Security or the Railroad Retirement Board.
• You are eligible to receive Social Security or Railroad benefits but you have not yet filed for them.
• You or your spouse had Medicare-covered government employment.
• 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. (Note: If you have Lou Gehrig's disease, your Medicare benefits begin the first month you get disability benefits.) 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.


For more information about open enrollment contact us at 928-710-1455 or by visiting us 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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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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