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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 Plans of America – Advantage Plan & Medigap Supplement Insurance

Choose your plan type: http://www.medicareplansofamerica.com/medicare-supplement-insurance or http://www.medicareplansofamerica.com/advantage-plans Medicare …

http://1800MEDIGAP.com What is Medigap? Medigap helps fill in the financial gaps where Medicare leaves off. http://1-800-MEDIGAP.com In most cases Medicare p…
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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

To Amend Title XVIII of the Social Security ACT to Provide Protections for Medicare Beneficiaries Who Enroll in Medicare Managed Care Plans. (Paperback) – Common

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New Crawford Advisors Benefits Webinar: Wellness Plans in the Wake of Obamacare – Prior Rules vs. Final Rules


Hunt Valley, MD (PRWEB) April 14, 2014

Join Crawford Advisors senior counsel for this on demand webinar, and learn how PPACA changed the landscape for many employers, exposing plans to unlimited claims. High claimants expose plan sponsors to extraordinary costs as 20% of plan claimants can drive 80% of plan costs. This metric is compelling plan sponsors to “bend their cost curve.” The DOL, Treasury and HHS has now published Final Rules under incentives for nondiscriminatory wellness programs in group health plans. Employers must understand these final rules, how they impact their plan design and employee contributions, and the administrative burdens associated with their implementation. Join Senior Counsel, Patrick Haynes, as he discusses this important topic and addresses these questions:

Are there plans that are exempt from these rules?
What are employees’ rights under these plans?
What rules apply to your company’s 10,000-steps walking initiative?
Prior rules vs. Final rules – what has changed?
How can I maximize penalties for employees refusing to participate in wellness plans?
How do the Final rules and PPACA’s Affordability Test work together?

Title: Wellness Plans in the Wake of Obamacare – Prior Rules vs. Final Rules

Watch this on demand webinar at: http://www.crawfordwebinars.com/.

Open to all benefits professionals, but not other brokers or agents.

About Crawford Advisors, LLC

Crawford Advisors is a full-service consulting, administration and brokerage firm. Crawford has invested heavily in technology and an expert team to bring sophisticated solutions and comprehensive services to help organizations manage and deliver the best value for health and welfare benefits. Crawford Advisors provides:

Benefits Consulting and Brokerage
Benefits Administration
Flexible Spending Accounts
COBRA
Compliance
Employee Communications
Employee Health Improvement

Crawford Advisors, LLC, understands that employee health benefits are often large expenses with complex compliance requirements. Crawford Advisors is committed to providing the brightest consulting talent to help manage cost, improve the health and productivity of employees, and add profits to their clients’ bottom line. Crawford Advisors expert team helps organizations deliver the best value for health and welfare benefits.







More Apply Obamacare Press Releases

To amend title XVIII of the Social Security Act to provide protections for Medicare beneficiaries who enroll in Medicare managed care plans. Reviews

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Samsung confirms plans for Tizen-based smart TVs, will release SDK to developers in July

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Samsung is ramping up its preparations to release products based on the new Tizen operating system after it announced plans to introduce an SDK (software development kit) for smart TV products from next month. The Korean company has already shipped devices built on the Linux-based operating system — its Gear 2 and Gear 2 Neo smartwatches — and the release of the beta of the Samsung TV SDK will give developers the chance to get hands-on with the software. Samsung says the beta includes a Smart Interaction feature, which allows hand gesture- and voice-based commands, and multi-screen options for linking up with…

This story continues at The Next Web


The Next Web

Here’s How Obama Finally Plans To End The Longest War In American History

Source: www.businessinsider.com – Tuesday, May 27, 2014
President Barack Obama on Tuesday unveiled a plan to remove all U.S. troops from Afghanistan after what has become the longest war in American history.  In a statement from the Rose Garden of the White House, Obama announced his intention to keep 9,800 troops in Afghanistan beyond the end of 2014, when the U.S.'s combat operations will be completed. The 9,800-troop level would mark a drawdown from the 32,000 U.S. troops currently stationed in the country. It comes as NATO is set to pull the bulk of its 70,000-plus troops from the region as well. In a conference call with reporters, senior Obama administration officials said the remaining U.S. troops in the region would have two missions: Training Afghan security forces, and conducting counterterror missions against the remnants of al Qaeda. "We will bring America's longest war to a responsible end," Obama said in a Rose Garden statement Tuesday. " The future of Afghanistan must be decided by Afghans." The plan has three drawdown phases: Current troop level: 32,000 End of 2014: 9,800 End of 2015: Roughly half that number, with troops consolidated in the capital of Kabul and Bagram air field. End of 2016: The U.S. will draw down to what administration officials described as a "normal embassy presence" in Kabul. The reduction to a "normal embassy presence" would come as Obama is set to leave office after the completion of his second term. The proposal is largely in line with what mi

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