Why should you choose an Independent Insurance Agent in Prescott

Finding the right insurance can be very complicated and time consuming. You are striving to protect your hard earned assets and need to make sure you are covered correctly. Adler Insurance answers why you should choose an independent insurance agent in Prescott to help you with this difficult task.

They give you a choice – Independent agents typically represent a multitude of insurance companies.  By doing so, they can find you the best value by shopping those companies for you. They find you the right blend of price, coverage, and service.

They are licensed experts – Independent insurance agents can explain the complexities of insurance in simple terms, helping you make smart decisions. Their career is assisting clients in making good decisions when it comes to their coverage.  It is their responsibility to you, their client, to make sure you have the right coverage you need.

They are personal advisers – Independent insurance agents 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 are your advocate – If you have a claim or billing concern, or need to change your coverage, your agent can be your advocate, working with the insurance companies on your behalf.

They are right around the corner – A local agent is your neighbor.  Loving the same community and citizens as you.  They support your town and are there to help.

They offer one-stop shopping – Independent insurance agents can usually meet all of your insurance needs with the companies they represent.  Making your life so much easier only having to deal with one agent for all of your insurance needs.

Adler Insurance would love to be your independent insurance agency.  We offer health, life and medicare solutions. Please call 928-710-1455 or visit our website at http://www.AdlerLifeHealth.com.

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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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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 answers the question of what is Medicare and why is it so important?

When retiring you need your health care expenses to be predictable. Medicare plays a crucial role in providing some of that security. Unfortunately, Medicare is complicated, there are many parts that need to be looked at. Adler Insurance provides advice and help cutting through your choices for Medicare in Prescott.

The quick points to know about Medicare:

• You have two basic choices. Medicare Advantage Plan or a fee-for-service plan.
• There are 4 different parts. Parts are listed as A, B, C, D. These cover hospitalization, outpatient service, and prescription drugs.
• Additional policies can be added such as Medigap. This type of policy limits the amount of out of pocket costs with your plan.
• If you are retiring rich or well off, you may pay more for coverage. Be sure to discuss this with your retirement planner.
• You have a limited time to sign up. If you are turning 65 now is the time to select a plan.
• There is an annual enrollment. Take the time each year to review your coverage to get the best rates.
• Don’t confuse Medicare with the Affordable Care Act (ACA). The ACA has helped many seniors get healthcare that couldn’t otherwise, however if you are nearing the age of 65 it is time to address your Medicare benefits.
• Long term care is not covered completely. There is a short amount of time that Medicare will cover care in a skilled nursing facility, however there are stipulations on this.

Why is Medicare so important?

Because medical expenses have become very expensive, especially for those who are over the age of 65, some people wonder why to even have it at all. Medicare is important because the older population would find it too difficult to take care of their medical expenses without it. We all pay into different programs with taxes while we are young and working, to take advantage of these programs when the time comes to retire.

For more information on Medicare, its different Parts, and Medigap policies, contact Adler Insurance. We will help you with all your Prescott Medicare needs. Call us today at 928-710-1455 or visit us at http://www.adlerlifehealth.com.

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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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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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