I have been selling Dental Insurance for almost 20 years, but only bought my own policy in 2010! Now I wish I had done it sooner! For one thing, everyone in my family needs it, so we USE it, which really, is the key to making Dental pay off for you. What the Video! There is a dancing hotdog in it ! ~

Call today and we will send one out by regular mail.

1-800-655-9525

Medicare DVD Guide for 2010

Call 1-800-655-9525 to order yours now.

Learn your 2010 Medicare basics and inside tips too!

What Medicare premiums cost, how to apply, when to apply, the whole enchilada~!

It’s free, no obligation, and we send it by regular mail.

Learn all the Major Parts and inside tips to choosing and using Medicare in 2010.

Many of our clients have questions on Medicare.

Like how much is Part B in 2010?

When can I apply? or Make Changes?

Since we hear these questions often, we answer those questions, plus we give you our inside tips that we have learned from years of helping seniors to use their Medicare Plans.

Includes

• Part A, B, C, D
• Premium Costs
• Medicare.gov and how to use it to shop plans and get help
• and much more!

Order your copy today!

Click on the logo to get rates and information about Anthem Blue Cross Health Plans.

Or Click here!

You will be taken to a secure page.

There is no obligation, and the quote is free, so give us a call now at 1-800-655-9525

Don’t go shopping Health Insurance on your own. Let us help you get the right plan. You will have peace of mind, and you won’t pay more, odds are you will pay less.

What’s going on out there, huh?

Things are changing rapidly, and lots more to come, so if you have questions call us today.

On January 1, 2010 Mental Health Parity and Equity Laws became effective. If any of you are wondering why you have 20% to 30% cost increases every year, this is one answer.

When mandates require coverage, those coverages have a cost. Whether it’s Mental Health, Viagra or Gender Re-assignment, it has a cost.

We say there should be choice with Health Insurance. If you don’t want Maternity (new babies), or Mental Health, or even Prescription coverage you should be able to buy plans without it. All of these are expensive riders on plans where it is an option.

If the government, State or Federal, mandates new coverage for everyone, then we all pay more.

The Medicare Advantage crowd lost 500 million in federal funding, so the plans all had to change by January 1, 2010.

[ UPDATE ]

The ARRA COBRA law that was scheduled to sunset the aid to former employees, was extended to June 1, 2010, so they will pay partial rates for continuing health insurance until May 31, or until their COBRA terminates.

There will be new mandates with the new reform, at least in the current version, and it will take effect on January 1, 2013.

Reform is not someday far off down the road though, we are seeing changes now, like the Medicare Advantage changes this year.

The new Medicare and You guide for 2010 is out, read it as a webpage.

Medicare has guidelines for helping with Part D expenses. <Click Here>

If you do not automatically qualify, contact the Social Security Administration and request a Low Income Subsidy Application (Form SSA-1020B):

1-800-772-1213

(TTY/TDD users): 1-800-325-0778

7a.m. – 7p.m. EST, Monday – Friday

OR

Go to the Social Security Administration Website anytime to complete an application online:

www.ssa.gov

Health Insurance has changed quickly, and it seems to accelerate with time.

There are more new plans every year, and the designs are very often different than anything seen before. There are plans that encourage wellness, others that encourage savings, and many that involve employers in managing, saving and re-imbursing for costs.

There is no possible way for an individual or a group to shop health care. Consultants like Alison and myself find that even the most astute shoppers are often not buying what they think they are.

The health insurance companies are very clear in the marketing of products, but the buyers are not aware of the terms, words like:

Deductible

Maximum out of pocket

Copay

Are familiar, but “Aggregate” is a fairly recent addition that most people cannot define.

Also, network definition, the old preferred provider lingo has been replaced with new descriptions that only an expert is qualified to explain.

The good news is that most Health Insurance Agents are experts, and they do not charge you simply to ask questions.

If you choose to purchase a product they sell, you can usually get it for the same price you would if you didn’t use and agent at all, because Health Insurance in nearly every state is regulated that way.

If you want to know how we are paid, how much or where it comes from, just ask us.

We have been helping Health Insurance shoppers for 16 years, we love it, and I am sure you will be glad you called us before you select your new plan.

Jeff

1-800-655-9525