Tag Archives: medicare supplement

Medicare Supplement Insurance-medicare Supplement Plans

Medicare Supplement Insurance

Learn about Medicare Supplement Insurance and what it covers. Medicare supplement insurance picks up the doctor bills that Medicare does not pay. It covers hospital care when Medicare coverage ends. And it even helps when Medicare has no coverage, for instance when you are traveling abroad.

How Does Medicare Supplement Insurance Work? It’s pretty automatic and problems are rare. Medicare pays 80% of a pre-approved rate for doctor services. Your Medicare Supplement plan pays the remaining 20%. Medicare Supplement coverage adds to Medicare’s coverage in most situations.

It’s easy to underestimate how much healthcare can

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.

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Medicare Supplemental Insurance Vallejo 707 563-9555

Are You Eligible For Medicare, Or Know Someone Who Is? Do You Have More Questions Than Answers To What Medicare Covers Or Doesn’t Cover? What Is Medicare Sup…
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How Do I Enroll in Medicare?

If you are new to Medicare, you can follow these easy steps to help to prepare for your Medicare enrollment.

Determine Your Eligibility The first step you need to take for Medicare enrollment is to find out if you are eligible. You should meet the eligibility requirements if you can answer yes to one of the following questions:
Are you age 65 or older?
Are you under 65 with certain disabilities?
Do you have End-Stage Renal Disease (kidney failure that requires transplant or dialysis)?

If you already receive Social Security Benefits, you will automatically be enrolled in Medicare Part A and B the month you turn 65. Three months prior to your birth date you should be

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

Medicare Health Insurance Question!?

Question by Piggy & Viggy: Medicare Health Insurance Question!?
My Grandmother has a medicare health Insurance card.
It says effective date 10-01-1992
Is Entitled to Hospital part A Benefits only

Do you think this card is still good? Can She she still use it?
What exactly can she use it for? Thanks in Advance!

Best answer:

Answer by KG Mom
Yes she can use it….but I would look into a medicare supplement, too.

Part A is pretty much hospitalization only.

I hope she’s OK!

What do you think? Answer below!

Medicare Assistance Program can save Branch County seniors money

Medicare Assistance Program can save Branch County seniors money
Enroll in Medicare Savings Programs. • Review your Medicare supplemental ("Medigap") insurance needs compare policies and pursue claims and refunds. • Identify and report Medicare/Medicaid fraud and abuse. MMAP counselors will not advise you on …
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Medicare to Review Drug Prescriptions Strictly!
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Medicaid, Medicare coverage can merge
He said in an email that people who enroll in the plan “work with a care manager … who will get to know them individually and explore (their) needs and preferences for health care.” Markva said supplemental benefits “not available under traditional …
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