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 explains the different types of life insurance in Prescott

Having life insurance in Prescott is very important.  You want to make sure your family will be taken care of should something unfortunate happen to you.  But where do you start?  Finding the right life insurance policy can be very complicated and time consuming. Adler Insurance explains some of the different life insurance policy types they can provide you.

Term Life – A term life policy covers you for a "term" or period of your life.  They usually have lower premiums for higher coverage compared to whole life policies.  However, rates can change after specific terms expire. There is also no equity and cash value.

Whole Life – Our whole life policies give you protection your whole life, not just for a short period of time.  They can build equity and have cash value over the lifetime of the policy.  They do tend to have higher premiums than a term life policy, but they can be more valuable in the long run.  Some people look at them as more of an investment vehicle versus a life insurance policy.

Term and Whole Life combined –  This strategy works well for those that only need a higher coverage amount for a period of time.  IE:  Mortgage coverage.  But, after that period of time, they only need a smaller amount.  This strategy lowers the premium, yet allows you to still have some permanent coverage.

As an Independent Life Insurance Broker, we can find you the best policy and price to fit your specific needs.  Here are some of the companies we use:

• EMC National Life
• West Coast Life
• Mutual Of Omaha
• ... and many more

Adler Insurance would love to help you with your Prescott life insurance needs.  Please call 928-710-1455 or visit our website at http://www.AdlerLifeHealth.com to learn more.

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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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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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