Senior Life Insurance

Senior Life Insurance: Life Is Always Changing

Do you have the coverage you need in a good Senior Life Insurance plan?  Has it been a while since you last looked at your policy to determine if you need to change your coverage?  Let’s face it, life is always changing and nothing remains the same.  So you need to keep up with these changes or they may have dramatic effects on you and your loved ones.  The same holds true for your health as well.  Are you aware that you can get a policy that will help defray the cost of your senior insurance & healthcare costs after Medicare has paid their portion?  This type of coverage is known as a Medicare Supplement plan.  It works along side Medicare to enhance your coverage and save you money. With one monthly premium payment you can get the coverage you need at a rate that is affordable and will work in your budget.

For most American seniors Medicare has been a lifeline, because Medicare Part A and Part B provides coverage for most services including medical care and hospitalizations.  But as you know, Medicare does not cover all the costs and sometime the deductibles can be a little overwhelming.  That is where a Medicare supplement plan comes into play.  These supplements are available to seniors who have been enrolled in Medicare Part A.  Medicare supplemental coverage is a standardized plan offered through approved private insurance companies.  This type of coverage is designed to help offset your out of pocket expenses for health care.  As you are aware, traditional Medicare will cover 80% of approved procedures, leaving the remaining 20% as your responsibility.  And since there is not a cap on what the 20% could be this could be very costly.  With a Medicare supplemental plan your 20% would be covered on approved procedures with one simply monthly premium payment.

As long as you are enrolled in Medicare Part A and Part B you have guaranteed acceptance into a Medicare supplement plan that is offered in your state.  That means regardless of your health history or the current condition of your health you do not have to go through the underwriting process.   Keep in mind however, if you miss this opportunity during the open enrollment you may be declined due to health issues and medical history.  So don’t delay, call your senior insurance agent today and get the process started. 

Call us toll free 888.533.3254 or review your options online.