Tag Archives: supplemental insurance

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

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…
Video Rating: 0 / 5

Medicare, Clark Gronsbell, Syracuse, NY, Fiscal fitness.
Video Rating: 0 / 5

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

Medicare Enrollment Tips

When enrolling in Medicare there are many things to consider. It is not like a switch is flipped and all of a sudden you have medical coverage. There is a lot of paperwork to fill out and you will still be required to pay some expenses. There are Medicare patient advocate groups that can assist you. But here are a few thing you can do yourself to make the transition easier.

First and foremost there are tons of resources both online and off to help educate you about Medicare and navigating its huge bureaucracy. The process of getting enrolled in Medicare and utilizing the insurance can be complicate and frustrating but is

Q&A: What is medicare supplemental insurance for?

Question by Art: What is medicare supplemental insurance for?
In the beginningg my medicare supplemental insurance was free to me. It has changed hands from Humana to WellCare, and now they want monthly payments. My question is what advantages will I lose if I drop the them?

Best answer:

Answer by gardensallday
Medicare pays 80% of your medical bill. The supplement (depending on what plan you pick) picks up the remaining 20%, perhaps the deductibles, and often has a few other features. It depends on the plan. And maybe you are in a Medicare Advantage plan and not original Medicare with a supplement. You said supplement, so I assumed the latter. There is possibly a senior help line in your state. When I called my state’s help line, the person was extremely knowledgeable. I had really specific questions and she knew.

Add your own answer in the comments!

Latest Medicare Insurance News

Medicare the best care for those older than 65
If you are age 65 or older and haven't signed up for Medicare Part B (Medical Insurance), now is the time to consider doing so. The general enrollment period for Medicare Part B runs from Jan. 1 through March 31 each year. Before you make a decision …
Read more on Tyler Morning Telegraph

HICAP, Santa Barbara Village Offering Free 'New to Medicare' Seminar
Topics will include a comprehensive introduction to Medicare, including what Medicare covers, supplemental insurance, Part D prescription coverage, Medicare and employer group health plans, and retiree health plan considerations. HICAP offers free and …
Read more on Noozhawk

Are you paying too much for your Medicare supplement insurance?
Give us a call at 793-8142 or for our out-of-town clients, call 1-800-248-1130 to see if we can help you with your Medicare Supplement insurance needs. NO HIGH PRESSURE AND NO OBLIGATION TO BUY ANYTHING. YOU HAVE NOTHING TO LOSE AND …
Read more on LubbockOnline.com