Tag Archives: insurance plan

Senior Market Sales Partners with Loyal Christian Benefit Association to Launch New Medicare Supplement Insurance Plans in 6 States


OMAHA, NEB. (PRWEB) September 17, 2014

Senior Market Sales (SMS) today unveiled its latest exclusive product offering – Medicare Supplement insurance plans by Loyal Christian Benefit Association (LCBA). Six states have approved the plans: Arizona, Kentucky, Montana, Nebraska, Pennsylvania and Rhode Island. Approvals are pending in nine states.

The launch marks the first foray into Medicare Supplement for LCBA, which serves more than 32,000 members in 28 states and the District of Columbia with life insurance, annuities and funeral pre-arrangement funding products. Founded in 1890, LCBA is a fraternal benefit society, a non-profit organization that returns earnings of its financial products to member customers and their communities in the form of direct member benefits and support of local community service projects.

SMS partnered with LCBA as the exclusive distributor of LCBA’s Medicare Supplement insurance plans. SMS has been a leader in the Medicare Supplement market for more than 30 years and has evolved into a full-service insurance marketing organization offering Medicare Advantage and Medicare Part D, annuities and life, long-term care, dental and travel insurance among other products and services.

“Independent agents selling LCBA’s Medicare Supplement through SMS will appreciate LCBA’s telephonic applications, because they provide on-the-spot underwriting decisions, freeing up the agent to produce more,” said Dwane McFerrin, SMS’ vice president of Medicare Solutions. “It’s an attractive product by itself, but we’re especially excited to see how well it will do when combined with the support that only SMS offers independent agents.”

Agents who work with SMS have access to insurance experts, lead programs, field-tested direct mail programs and proprietary technology that includes online quoting and contact management.

“LCBA chose to partner with SMS because of its success and leadership in the industry and its reputation for supporting independent agents who are dedicated to finding the right product for their clients’ needs,” said Doug Tuttle, LCBA’s CEO and president. “We know from our roots dating back to 1890 that people want to work with organizations that give back to their communities. We wanted to partner with an organization that could help us serve even more people and more communities. SMS has that reach.”

LCBA offers members value-added benefits at no extra charge, including:

Donation of $ 75 to the qualified church or charity of the member’s choice after 13 months as an LCBA member
Scholarship opportunities
Discount program benefits (identity recovery assistance after ID theft, prescription savings program, hearing aid discounts and more)

Agents wanting more information on LCBA’s Medicare Supplement can visit http://www.lcbamedsupp.com or call SMS at 1-877-888-9996.

About Senior Market Sales

Senior Market Sales is a national insurance marketing organization, representing top Medicare Supplement, Medicare Advantage, annuity, life, long-term care, and travel insurance carriers in all 50 states. More than 30,000 independent insurance agents rely on Senior Market Sales for proprietary technology, competitive insurance products, expert training and service to help them leverage their time, make more money and put their business in a position of distinction. Founded in 1982, Senior Market Sales is headquartered in Omaha, Neb. Visit http://www.SeniorMarketSales.com for more information.

About LCBA

Founded in 1890, LCBA (Loyal Christian Benefit Association) is a fraternal life insurance society: a non-profit corporation that operates under the “common bond” of Christianity and returns earnings from the sale of financial service products to its member customers and their communities in the form of direct member benefits and support of local community service projects. Like for-profit life and health insurers, LCBA offers insurance products and is chartered in accordance with and under the supervision of state insurance law. LCBA is based in Erie, Pa.

Senior Market Sales, Inc. and Loyal Christian Benefit Association are not connected with or endorsed by the United States government or the federal Medicare program.

For Agent Use Only







Omaha Firms Join Forces to Meet Growing Consumer Demand for Medicare Advice


Omaha, Neb. (PRWEB) September 10, 2014

Two Omaha companies have partnered to address an emerging national trend in the financial planning, insurance and health care industries: more consumers are seeking advice on how to pick the right Medicare health plan and incorporate those health care expenses into retirement plans.

Securities America, a broker-dealer with more than 1,800 financial professionals nationwide, is working with Medicare BackOffice™, a team of insurance agents licensed, contracted and certified in all 50 states to provide Medicare advice and products. While Medicare BackOffice™ agents ultimately work directly with consumers, the company’s initial customers are financial advisors or other professionals who want to help their clients navigate Medicare while continuing to concentrate on their primary business.

“As health care costs continue to climb, more people approaching retirement are asking their advisors for advice on picking a Medicare health insurance plan and keeping health care affordable,” said Brian Hickey, Medicare BackOffice™ vice president. “We created Medicare BackOffice to help financial advisors and other professionals who don’t specialize in Medicare meet this demand so they aren’t turning clients away – and potentially losing them forever.”

By offering Medicare BackOffice™ to its financial advisors, Securities America provides a value-added service that distinguishes the company from other broker-dealers, said Zach Parker, first vice president of income distribution and product strategy at Securities America.

“At Securities America, we pride ourselves on equipping our financial advisors with tools that provide exceptional service to clients,” Parker said. “Medicare BackOffice™ gave us two solutions – first, a way for our advisors to better serve consumers who are asking for help with Medicare; and secondly, yet another way to set us apart from competitors, so that financial advisors know they’re getting an edge when they work with Securities America.”

USA Today in April reported that more than half of retirees responding to an annual survey by the Employee Benefit Research Institute are not confident that they have saved enough to pay their medical expenses during retirement. The finding came at the same time the Bureau of Economic Analysis reported that health care spending rose at the fastest pace in 10 years in the fourth quarter of 2013.

“Consumers already are feeling the pinch of higher health care spending and want help managing those expected costs in the future,” said Medicare BackOffice’s Hickey. “Financial advisors who help them with that first step – choosing the right Medicare health plan – fortify their relationship as a trusted advisor, ensuring that they’ll return when they need help with other financial needs. A broker-dealer or independent financial advisor doesn’t need to be a Medicare expert to help clients. Now, all they have to do is refer them to Medicare BackOffice™.”

About Medicare BackOffice™

Based in Omaha, Nebraska, Medicare BackOffice™ is a support service for broker-dealers, independent financial advisors, insurance agents and other professionals, helping their clients find the right Medicare health insurance plan. Professionals simply refer clients to Medicare BackOffice’s team of dedicated insurance agents, who are licensed, contracted and certified in all 50 states to provide Medicare advice and products from insurance carriers that are “A”-rated or better. By making clients’ search for Medicare answers easier and stress-free, Medicare BackOffice™ strengthens the referring professional’s relationship with clients. For more information, visit http://www.medicarebackoffice.com. Medicare BackOffice™ is not connected with or endorsed by the United States government or the federal Medicare program.    

About Securities America

Securities America is one of the nation’s largest independent broker-dealers with more than 1,800 independent advisors responsible for more than $ 50 billion in client assets.







Find More Medicare Insurance Press Releases

Understanding Health Insurance: A Guide to Billing and Reimbursement (with Cengage EncoderPro.com Demo Printed Access Card)

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IPA Family Announces the Addition of SureBridge Insurance Products


Tampa, Fl (PRWEB) July 30, 2014

IPA Family, LLC, which is a member of The IHC Group, is excited to announce the addition of SureBridge supplemental insurance product solutions* to its expanding marketplace offerings. SureBridge supplemental insurance program is underwritten and administered by Chesapeake Life Insurance Company and currently offer up to 19 different products in 46 states nationwide.

IPA Family President and Chief Operating Officer David Keeler commented, “With the passing and implementation of ‘Obamacare,’ a.k.a. the Affordable Care Act (ACA), adding the SureBridge programs in conjunction with the supplemental insurance products we already provide through our internal IHC insurance carriers positions us to better serve the current and future needs of our ACA customers.”

IPA Family is proud that it is able to offer ACA compliant plans through some of the largest and most reputable insurers in the country. The SureBridge partnership will add vision insurance, critical accident, quick issue life insurance, non-insurance wellness products, and other solutions to the IPA Family product portfolio. Additionally, IPA Family represents three health insurance carriers through The IHC Group, which provide coverage for short term medical, critical illness, dental, fixed indemnity plans and its new Metal Gap supplemental series.

Keeler also added, “This special relationship allows us to collaborate with highly reputable industry leaders and, even more importantly, it provides us with the ability to equip our current sales advisors with enhanced solutions to market in states where we currently have no presence at all. As a result, we have immediate opportunities for high-level leaders who are willing to connect, invest and grow along with us.”

All sales advisors for IPA Family are licensed insurance producers. For more information about leadership opportunities with the organization, contact Dave Keeler to schedule an interview.

*Supplemental insurance products are not considered minimum essential coverage under the Affordable Care Act.

About IPA Family, LLC

IPA Family, LLC (IPA) is an established national marketing organization with a growing consumer direct sales agency numbering several hundred agents who distribute family and individual major medical insurance plans and ancillary products (including short-term medical, vision, dental, supplemental fixed indemnity limited benefit, critical illness, and hospital indemnity, and small group stop-loss) for The IHC Group, an organization of insurance carriers and marketing and administrative affiliates and the majority owner of IPA. In addition, it has begun to write major medical through well-known national insurance companies. IPA’s trained professional sales associates provide information and a product portfolio that can meet the needs of many small business owners and self-employed individuals and families. Headquartered in Tampa, Fl., IPA is accredited and has an excellent reputation with the Better Business Bureau (bbb.org).

About The IHC Group

The IHC Group is an organization of insurance carriers and marketing and administrative affiliates that has been providing life, health, disability, medical stop-loss and specialty insurance solutions to groups and individuals for over 30 years. Members of The IHC Group include Independence Holding Company (NYSE:IHC), American Independence Corp. (NASDAQ: AMIC), Standard Security Life Insurance Company of New York, Madison National Life Insurance Company, Inc. and Independence American Insurance Company. Each insurance carrier in The IHC Group has a financial strength rating of A- (Excellent) from A.M. Best Company, Inc., a widely recognized rating agency that rates insurance companies on their relative financial strength and ability to meet policyholder obligations. (An A++ rating from A.M. Best is its highest rating.) Collectively, the companies in The IHC Group provide insurance coverage to more than one million individuals and groups. For more information about The IHC Group, visit http://www.ihcgroup.com.







Baby Boomer Community Could Stand to Lose Millions, If Not Well Informed on Medigap Plans and Healthcare


(PRWEB) July 17, 2014

Millions of individuals will turn 65 this year, and start their Medicare Part B. Turning 65 triggers the clock on the time seniors have to get their medicare supplement insurance plan without having to go through underwriting.

It is best for customers to buy a medicare supplement policy when they are first eligible because this “open enrollment” period allows the consumer to secure a plan without medical underwriting. Medical underwriting is when an insurance company reviews an applicant to make sure they are a “good risk” under the company’s acceptance protocol. This process includes thorough physicals, interviews and other tests that often eliminates people with even the most minor medical conditions making it difficult to acquire a plan.

Many people don’t realize they have limited time to get this coverage, without underwriting. They often find themselves in a situation where they have missed their window and can only apply for medicare supplemental insurance with a company that will make them go through the full underwriting process. If a person is ill or has standing conditions that would keep an insurance company from insuring them under their insurance policy, they surely would not want to miss an opportunity to get coverage without underwriting.

There are various incidents each day where seniors receive medical bills in excess of $ 4,000 with no way to pay for them. These people are now being denied supplemental plan coverage for current health issues in addition to already owing copious amounts for past medical expenses.

The insurance companies want save themselves money by insuring low-risk, healthy, individuals who will not likely need medical help. Being in this condition is the ideal time to acquire a plan, but when in perfect health, medicare supplement insurance coverage is not always a top priority, and often then circumstances of being over 65 does not place many people in an ideal state of health.

1-800-MEDIGAP compiles the best plan options and helps to remove the time consuming hassle of shopping around for a plan. 1-800-MEDIGAP has professional agents that are knowledgeable, insightful, and ready to give guidance on which plan options are best for specific situations. People shopping around for plans could spend hours trying to compare supplemental insurance plans on their own. 1-800-MEDIGAP is here to make the insurance search smother and less time consuming. No matter what insurance carrier a consumer chooses to go with, the facts are the facts. Don’t miss your opportunity to sign up for medigap supplemental insurance today.

Take advantage of the benefits of entering the golden age of over 65 and know what is available. Get the facts here.







More Medicare Enroll Press Releases

RISARC CEO Richard Stephenson predicts rapid improvements in collaboration and healthcare as U.S. providers and payers adopt advanced IT systems under Obamacare.


Burbank, California (PRWEB) April 30, 2014

Richard Stephenson, Founder and CEO of RISARC, a leading national high-technology and revenue recovery consulting firm to the health care industry, predicts that the advanced IT improvements mandated by federal health care laws will dramatically improve collaboration between payers and providers.

Seamless connectivity

Said Stephenson: “The dream has always been for seamless connectivity between those who deliver healthcare services and those systems and plans that pay providers and payers alike.” Stephenson noted that federal legislative and regulatory incentives now make the adoption of electronic health records (EHR) accessible for virtually all healthcare stakeholders participating in federally-subsidized insurance plans – and that the fluid integration of these systems is “advancing at encouraging rates.”

Better rates, better access

Said Stephenson: “The promise of EHR is ultimately to reduce the cost of healthcare and give patients better rates while also giving them easier access to quality and value. Projects and field reports from those in the healthcare industry, which include some of the largest and most innovative providers and payers in the country, confirm that this goal is achievable. The enrollment success of Obamacare which included a healthy segment of 30 and under individuals, known as the ‘invincible Millennial’ generation will be helpful in that transition.”

Stephenson reports that the transformation of physician attitudes has been remarkable. Said Stephenson: “Doctors in America are moving to systems that seamlessly link them with providers and payers and offer more uniformity in electronically recording and reporting patient activity. The result is they are able to reduce costly administrative and staffing burdens.”

Meaningful analysis

According to Stephenson, uniform reporting also means that meaningful treatment analysis can be instantly made across hundreds, even thousands of cases, whether the results are kept in a HIPAA-protected external “cloud” or inside the centralized computers that record outcomes and costs.

Said Stephenson: “Reliable analytics that truly understand how the health of the community as a whole can be improved – and where the costs for protecting community health can be reduced are essential. Through improved payer/ provider engagement and optimized communications the goal for achieving better patient care and population management is within reach.”

About RISARC

RISARC is a leading national high-technology and revenue recovery consulting firm to the health care industry. RISARC, founded in 1990, has recovered over $ 1 billion for its clients. The company offers the RMSe-bubble™ for secure electronic document exchange and the signature RISARC 360° single-source solution that combines health care revenue cycle expertise with innovative cloud-based, cost-saving technology to help clients optimize existing resources, meet business objectives and reach financial goals. RISARC is a pioneer in health care technology solutions and is a certified Health Information Handler for the Centers for Medicare and Medicaid Services, esMD project. The RMSe-bubble provides the industry’s best secure, HIPAA-compliant environment for electronic record and document exchange and has been endorsed and accepted by providers, commercial insurance carriers and government agencies across the United States.

Please visit us at http://www.risarc.com for additional information.







58% Of Seniors Worried Their Health Plan Could Be Cancelled – According To New Poll By The Senior Citizens League


Alexandria, VA (PRWEB) March 20, 2014

One of the most politically incendiary issues of last fall’s Obamacare launch may turn into a major issue with senior voters in 2014, says The Senior Citizens League (TSCL), a nonpartisan seniors organization. According to a new poll released today by TSCL, 58 percent of seniors, including those over the age of 65, say that they are worried that their health plan could be cancelled to meet new Obamacare requirements, versus 42 percent who said they aren’t.

Most of TSCL’s members and supporters are seniors 65 and older with Medicare coverage. The poll, which was conducted late January to mid February, was designed to test seniors’ perceptions about the confusing new health law. It did not distinguish between seniors 65 and over who are covered by Medicare, and seniors under the age of 65 who are now required to have health insurance under the new healthcare law. The poll simply asked, “Are you worried that your health plan could be cancelled to meet new Obamacare requirements?”

“Clearly, older seniors with Medicare perceive themselves as affected by Obamacare,” states TSCL Chairman, Ed Cates. “That’s important for Members of Congress to understand, since public perception of issues decides elections,” he notes. “It would be a mistake to underestimate the concerns that Medicare – eligible seniors have about Obamacare, even though these individuals are not mandated by law to purchase a plan on the new federal health exchange,” he observes.

TSCL points out that older seniors have different Obamacare worries than those of seniors under the age of 65. “The 2015 rates for Medicare Advantage plans have yet to be announced, but seniors 65 and over are already worried that they could be affected by successive funding cuts made to plans under the new health law,” notes Cates.

The TSCL poll was conducted just prior to the Obama Administration’s recent announcement that healthcare consumers may be able to renew older insurance plans that don’t meet the health law’s benefit requirements for another two years — if their states allow it. “TSCL believes the new rule is important to protect individual policy holders from further disruption, but we remain concerned that the rule alone may not go far enough,” says Cates. “Another round of older plan cancellation notices would be due to go out just prior to election day, and that could be a determining factor for voters,” he adds.

What is your experience with Obamacare? TSCL is soliciting stories and comments from seniors. Visit TSCL at sLeague.org.

With about 1 million supporters, The Senior Citizens League is one of the nation’s largest nonpartisan seniors groups. Located just outside Washington, D.C., its mission is to promote and assist members and supporters, to educate and alert senior citizens about their rights and freedoms as U.S. Citizens, and to protect and defend the benefits senior citizens have earned and paid for. The Senior Citizens League is a proud affiliate of TREA The Enlisted Association. Please visit http://www.SeniorsLeague.org or call 1-800-333-8725 for more information.







Related Obamacare Advantages Press Releases

Array Health to Offer Private Health Insurance Exchange Solution Through AHIP Connect Program

Seattle, Wash. (PRWEB) April 10, 2014

Array Health, a provider of private insurance exchange technology, today announced its approval to participate in the AHIP Connect program.

AHIP Connect is an industry solution provider sourcing and independent evaluation program that helps AHIP’s health plan members choose companies to implement operational business solutions that reduce costs; increase efficiency, safety, and quality; and enhance the consumer experience.

As an AHIP Connect approved solutions provider, Array Health seeks to engage payers interested in launching branded private exchange solutions. Health plans can leverage the Array Spectrum™ private health insurance exchange platform to support end-to-end consumer engagement for marketing, selling, enrolling, managing, renewing and administering health and ancillary benefits for their large and small group, individual and retirement business segments.

Array Health delivers a world-class experience for consumers shopping for and enrolling in benefit programs. As employer and consumer needs continue to change, Array Health’s technology is designed to simplify and humanize the process of buying benefits. The Array SmartFit™ technology takes the consumer’s responses to simple behavioral statements indicating their preferences around financial risk, desired access to providers, prescription needs and more; it then uses proprietary algorithms to suggest plans that best map to each individual’s values based on the responses provided. In addition to simplifying the decision-making process, health plan details are presented in natural language, not insurance terms, further facilitating the shopping experience.

“Private health insurance exchanges represent a substantial opportunity in the new marketplace,” said Jonathan Rickert, CEO of Array Health. “As health plans are learning how to sell to consumers in this retail-focused world, our participation in AHIP Connect can help payers build and offer a superior and differentiated shopping and enrollment experience to attract new business and enhance existing relationships.”

“The market for health insurance continues to diversify, and payers are developing promising new products to reduce costs and improve outcomes,” said Charles Stellar, Executive Vice President of Professional Services at AHIP. “We look forward to exposing our health plan members to Array Health’s team of technology, retail and insurance industry experts as they consider new exchange options.”

About America’s Health Insurance Plans

America’s Health Insurance Plans (AHIP) is the national trade association representing the health insurance industry. AHIP’s members provide health and supplemental benefits to more than 200 million Americans through employer-sponsored coverage, the individual insurance market, and public programs such as Medicare and Medicaid. AHIP advocates for public policies that expand access to affordable health care coverage to all Americans through a competitive marketplace that fosters choice, quality and innovation.

About Array Health

Array Health is a leading provider of private insurance exchange technology. Its cloud-based software platform enables health plans of any size to power their own branded online exchanges—a strategic channel that helps them compete and thrive in the post health-reform world. With its state-of-the-art member marketplace and support for defined contributions, insurers win and retain business by giving employers a way to control costs and members a better way to buy benefits. Array Health is a privately held company based in Seattle. To learn more, visit http://www.arrayhealth.com.







Medicare supplement Insurance Plans VS Medicare Advantage plans

Medicare supplement Insurance Plans VS Medicare Advantage plans

How Medicare supplement insurance works VS Advantage plans This video explains the differences between the coverage provided by a Medicare supplement plans v…

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