Medicare Insurance Agents in Cleveland Ohio
Residents of NE Ohio approaching Medicare, may want to speak with Medicare Insurance Agent Ashley Tozzi. Ashley is native to the Cleveland area and works with all the Medicare Supplement and Medicare Advantage plans offered in the greater Northeastern Ohio area. Ashley attended Solon High School and Walsh Jesuit in Cuyahoga Falls and graduated with a Bachelor’s degree in Health Services Management from Ursuline College near Beachwood. Prior to becoming an agent, Ashley spent several years working for health systems including the Cleveland Clinic main campus and surrounding satellite locations.
Key points a Licensed Medicare Insurance Agent lives by:
- Integrity: Always take the high road
- Be a matchmaker: try to find the best product match for every client
- Patience is Key: Medicare can be confusing
- Guidance: Inform clients of potential risks and guide them to quality products
Live in Cleveland Area? Use an “Authorized to Offer” Medicare Insurance Agent
Ashley is an “Authorized to Offer” agent, this means Ashley meets certain qualifications that enable her to offer a multitude of Medicare Supplement or Medigap products. As an independent agent, she can provide expanded options to help meet clients’ complex insurance needs. Ashley is not captive to any insurance company. This means Ashley works for you. Some of the common companies Ashley works with are Anthem BCBS, Aetna, Cigna, Humana, Medical Mutual, Mutual of Omaha, and United Healthcare to name a few.
HOT TIP #1: It is no cost to work with Ashley. She is paid by the insurance companies to assist with enrolling people in Medicare products.
HOT TIP #2: Ashley is a National Producer, so you don’t have to live in the Cleveland area for Ashley to assist you.
HOT TIP #3: Ashley also offers Dental, Vision, Life Insurance, Final Expense, and Long Term Care.
Spirit Dental Coverage for Implants
Baby Boomers are reaching retirement age and may be losing their dental insurance. Spirit Insurance is available at affordable rates with no maximum issue age.
Why Buy Seniors Need Dental Insurance
- Spirit Dental coverage has No Maximum Issue Age
- Regular dental and eye exams can show signs of oral cancer, heart disease, diabetes and other diseases. Spirit dental insurance can help identify other health problems
- Spirit Dental and vision insurance provides access to a national provider network with over 270,000 dentist
Why Seniors Buy Spirit Dental Coverage
- Spirit Dental No waiting periods for all services
- Next day effective dates to qualified applicants
- Choose your own PPO dentist
- 3 cleanings per calendar year
- Choose from $1200 or $3500 annual maximums
- Optional vision coverage with EyeMed
- 30-day policy satisfaction guarantee
- No monthly association or billing fees
- Dental implants are covered under Spirit
- 80,000+ MaxCare PPO Providers
- 90% Usual and Customary for Indemnity dental insurance products
- $100 lifetime deductibles on dental policies
- Guaranteed acceptance to qualified applicants
- Child Orthodontia coverage available
Cigna Plan G Medicare Supplement – Rate Decrease
Cigna Plan G Medicare Supplement will be issuing a rate decrease in several states on May 1 of 2016. Plan G has become a top selling Medigap policy in recent years. Plan G is very similar to Plan F, but Plan G has a $166 Part B deductible. The deductible is a calendar year deductible so only paid once a year. With the rising cost of Medicare Part B to $122 a month, many Americans are looking for ways to save money on their Medicare Supplement.
Cigna Plan G Premium Reduction Includes the following States
At this time only select states will see the premium reduction for Plan G. Other states may be subject to lower rates later this year. Starting May 2016 the following states will see the reduction listed below. The rate decreases only apply to preferred and standard rate classes.
- 18% Reduction in premium: Arkansas, Louisiana, and Tennessee
- 16% Reduction in premium: Iowa (begins April 2016)
- 15% Reduction in premium: Nebraska
- 11% Reduction in premium: Wyoming
- 10% Reduction in premium: Nevada and West Virginia
Cigna Plan G Supplemental Insurance Benefits
Cigna Plan G benefits include all the benefits of Plan F, except Plan G has a $166 Part B deductible. The plan has common features like:
Cigna Plan G Hospital Part A Benefits
- Coverage for Part A deductible and coinsurance
- Coverage for Part B coinsurance
- Plan pays Medicare co-payment/coinsurance for Hospice
- Per the Medicare guidelines pays daily co-insurance for Skilled Nursing Facility Care
- Pays for first 3 pints of blood per a calendar year
Cigna Plan G Hospital Part B Benefits
- Part B co-insurance after you pay deductible of $166
- Coverage for Excess Benefits
- Coverage for Blood
- Coverage for foreign travel when medically necessary
Cost of Cigna Medicare Supplement Plan G
Cigna Medicare Supplement Plan G cost can vary from state to state and region to region. Some areas like Nevada, Pennsylvania, and Virginia it is already a fast selling plan. To check the new rates simply get a quote through this site.
Also, in some states Cigna offer discounts to couples who enroll together. This added benefit can be explained through a Medicare insurance agent. Cigna Medicare agents can review the plan details with you and answer questions you may have on your transition to Cigna. If you currently have a supplemental policy, you may be able to switch to Cigna Medicare provided you meet the underwriting criteria. If you currently have a medicare advantage plan you would have to keep your advantage plan through the end of the year. However, at the end of the year you would be able to leave your Medicare advantage plan and get a Cigna Supplemental plan provided you meet the underwriting criteria. Lastly, if you are new to Medicare, and have both Medicare Parts A and B, you most likely can enroll in Cigna coverage without underwriting.
Cigna Plan G Medicare Supplement – More Information
Through this site you can contact us and speak with a live licensed agent who can inform you of not only Cigna’s plans but also numerous other companies that may offer even more affordable plans in your area. Cigna News is another place where you can learn about Cigna’s growth in the healthcare industry and receive information on its merger with Anthem Blue Cross Blue Shield.
Aetna Supplemental Health Insurance Plans
Aetna is ranked one of the country’s top insurance companies in the US. Aetna supplemental health insurance plans offer customers a variety of benefits, including Medicare Supplement Plan F, Plan G, and Plan N. These three Medicare Plans are some of the best selling plans in the country. Aetna is especially committed to providing our nation’s Medicare recipients with complete and first-rate coverage, so members can achieve optimal health and receive care from all Medicare doctors and facilities across the country.
Learn More about Aetna Supplemental Health Insurance Plans
Because of the increasing out-of-pocket expenses associated with Medicare, Medigap, which is a Medicare Supplement insurance, has become a crucial component of health care coverage for the Medicare eligible population. In most states, Aetna provides this service to adults 65 years and older. Depending on plan selection. The coverage can conveniently eliminate or reduce deductibles, copay’s and coinsurance, which have risen over the past few years.
We have other pages on this website where consumers can find a comprehensive guide detailing exactly what a Medicare Supplement policy is, what it covers and how to purchase Medicare Supplement insurance.
Hot Tip: Aetna Supplemental Plans are one of the fastest growing segments of Aetna Insurance Company.
Aside from supplemental coverage, Aetna also offers its customers an array of complementary products with a personalized customer service approach.
Aetna Final Expense Whole Life Insurance
Dealing with the death of loved one is difficult. Aetna’s Final Expense Insurance allows a family to grieve the loss of a loved one, rather than focusing on funeral costs. This coverage provides many levels of life insurance coverage for all funeral associated expenses, and rates do not increase throughout the life of the policy. These policies have a simplified underwriting and often can be approved very quickly.
Aetna Protection Series
This series offers three types of policies:
- Cancer and Heart Attack or Stroke
- Hospital Indemnity Insurance
- Recovery Care Insurance
Heart attacks and cancer are the first and second leading causes of death in The United States. A stroke can happen to a healthy individual at any age. It is crucial, therefore, to protect oneself from these relevant diseases. This coverage is important because it protects the consumer’s financial assets if he/she were to acquire one of these diseases.
Hospital Indemnity Insurance offers a variety of benefits for anyone who may be admitted and/or confined to a hospital for any reason. It would cover any additional expenses as a result of the hospital stay, and benefits are paid directly to the insured.
Recovery Care Insurance is available for customers aged 50 to 89. This provides monies that can be applied to any nursing home residence or assisted living facility expenditures.
If you are interest in Aetna supplemental health insurance plans, please request a quote.
Aetna Home Care Insurance
Aetna also offers another important product for consumers who may be in need of care at their home. Ranging from physical therapy to a qualified health aide, this policy provides any service a client may need while remaining in the comfort of their home. Learn more about Aetna today.
Medicare Supplement Agents
Medicare insurance plans from QuoteFinder.Org are not offered by any Medicare Supplement Agent. We pride ourselves on only working with Authorized to Offer agents. This type of independent agent is required to be certified by all Medicare insurance companies. This level of certification allows for the consumer to work with one agent and all companies. The consumer can work with one agent and that single agent can answer all questions. This level of customer support is rare to find in our country. Best of all our services are free as we are paid through the insurance companies. All rates are set by law, so the rates you see are the lowest possible rates.
To offer Insurance plans through this site, independent Medicare Supplement Agents must:
- Be licensed in each state her or she conducts business
- Be certified to sell each plan being offered
- The agent must have at least 4 years experience in the Medicare Insurance industry
- The agent must annually complete required insurance product training for each company
- The agent must have a strong renewable book of satisfied Medicare clients
- Have zero complaints with CMS
What you can expect from a Medicare Supplement Agent:
- You can expect professional guidance from an informed agent
- Recommendation of only quality products that coincide with your needs
- A friendly down to Earth attitude and an easy person to talk with
An Authorized to Offer agent can provide personalized service and assist you in finding solutions to fit your Medicare needs. This site gives consumers access to a REAL person to discuss questions and concerns. Obtaining the correct Medicare supplement plan is very important. Agents are trained to help you understand how specific plans may address your unique needs. If everyone works together and both parties listen carefully and asks questions, everyone will wins.
A true Medicare Supplement Agent will be your guide for years to come. Many of our agents are now on a second generation of clients. We have many 90+ year old clients who still come to us when they have questions. Contact us if you are looking for a FREE Medicare supplement agent.
Mutual of Omaha Medicare Supplement Insurance Company Profile
Mutual of Omaha Insurance Company, previously named as Mutual Benefit Health & Accident Association, started in 1909 with Harry S. Weller as the companies first president. The Nebraska Department of Insurance accepted articles of incorporation from the Mutual Benefit Health & Accident Association. As the company started to grow in 1910 Nebraska authorized the MBHAA to issue health and accident insurance. Today Mutual of Omaha is a household name for most Americans. The CEO of Mutual of Omaha currently is James Blackledge. The insurance company is still located in Omaha, Nebraska and generates billions of dollars in sales each year.
Key Points of Growth
- 1920: The company gained access to a license that allowed them to sell insurance in 15 states.
- 1939: Growth continues and organization is licensed in 48 states and 2 territories.
- 1941: Provided full coverage to anyone injured or killed in the Pearl Harbor bombings.
- 1950: Company adopts Mutual of Omaha name and logo with a painting of a Native American.
Mutual of Omaha has shown passion since the beginning and continues to donate and strive for everyone to have health and life insurance coverage. As the company continues to grow into the 2016 we see that they are one of the first insurance companies to offer a telephonic application with online application for Medicare Supplement policies.
Mutual of Omaha Health Insurance Plans
Mutual of Omaha offers insurance for both individuals and businesses. For individuals, some of their services include; medicare supplement insurance, life insurance, long-term care insurance, disability, and critical illness. Mutual of Omaha dental insurance is the newest product being offered, which is a great compliment for their medicare supplement plans. For businesses, Mutual of Omaha offers the following services; accident insurance, critical illness insurance, dental insurance, disability insurance, life insurance, and accident insurance.
The benefit to owning Mutual of Omaha insurance is that they work with their customers to ensure that they fully understand the insurance both before and after they purchase a plan. Mutual of Omaha works with Authorized Independent Agents. This allows consumers to see all insurance plan options available. Mutual of Omaha takes pride in their product being selected by educated consumers.
Mutual of Omaha Affiliated Companies
Over the year Mutual of Omaha has acquired many companies and has many affiliates. United of Omaha Life Insurance Company offers insurances, financial assistance, and fixed annuities through Mutual of Omaha’s group sales offices, agency sales force, and also through independent agents. Some of the other companies that are affiliated with Mutual of Omaha are as follows: United World Life Insurance Company, Mutual of Omaha Investor Services, Inc., East Campus Reality LLC, Companion Life Insurance Company, Omaha Insurance Company, and Omaha Financial Holdings, Inc. All of these companies work with Mutual of Omaha to deliver insurance or financial assistance to individuals or businesses. Like Mutual of Omaha, these companies strive to help create better products to meet the consumer’s financial needs. For years, Mutual of Omaha has been a highly recommended company.
How do I get a Mutual of Omaha Insurance
Obtaining insurance with Mutual of Omaha is easy. At QuoteFinder.Org we provide free assistance in obtaining rates and reviewing plans. As Authorized Independent Agents, we also provide quotes from other companies as well. Insurance products can vary depending on age, sex, health status, and geographical location. So while Mutual of Omaha is a quality company, it does not meet everyone’s needs. To start your search simply fill out a quote request for insurance.
Mutual of Omaha Medicare Supplement Enrollment over 1 Million
Mutual of Omaha’s Medicare supplement insurance has been sold for over 50 years. Today over one million Americans have Medicare supplement insurance through Mutual of Omaha. Mutual has over 50 years of experience in the Medicare Supplement insurance industry. The personal customer service provided and ability to pay claims quickly is only part of the formula for success. With one Million plus members, Mutual of Omaha can save you money.
Accident Health Insurance
Accident Health Insurance is a way to hedge your high deductible medical policy. An accident policy has benefits, which help cover out-of-pocket medical bills in the event of an accidental injury. For the under 65 segment of the individual and family health insurance industry, major medical insurance or Obamacare plans often have very high deductibles. These large deductibles can be as high as $13,000 on many family plans. The Accident policy will help cover these costs. Simply select a benefit amount to match up with your major medical insurance deductible.
Accidental Health Insurance – choose your benefit level
First and foremost check your health insurance policy deductible and out-of-pocket maximums. Ideally, you would want to choose a benefit level to match these costs. For example, if you are an individual with a bronze policy, it may be best to select a $6600 deductible as this would cover the bronze deductible and co-insurance amounts. This will assure that you have the funds you need to help pay emergency room and doctor’s costs in the event of an accidental injury.
Accident Health Insurance PLUS Options
Americans are even more excited about the added benefits of Cancer, Heart Attack, Stroke. This added coverage provides lump-sum cash benefit upon first diagnosis. Essentially, the plan provides money to you when you need it most.
Example, if you have a $6600 benefit on the Cancer, Heart Attack, Stroke and then you are diagnosed with an invasive cancer, the plan would pay out the $6600 amount that you could use toward your deductible or other costs. These plans are very popular for families who are familiar with the costs associated with cancer. The idea of having the deductible covered in the event of cancer provides great peace of mind. It is well documented that cancer treatment usually requires about $20,000 extra money to cover health insurance deductibles, loss of wages, mortgages, insurance, home healthcare, transportation, and other unexpected costs when one is under cancer treatment. The added cancer benefit of this policy helps elevate some of the financial burden.
Add the Sickness Hospitalization Benefits
Just as the Cancer, Heart Attack, Stroke benefits provide lump some, their is also another option that can be added which is the Sickness Hospitalization Benefit. This add-on provides lump-sum benefit paid upon first covered day in hospital Pays regardless of other coverage. The key point is regardless of other coverage. Sickness Hospitalization helps you pay out-of-pocket medical expenses if you are admitted to the hospital.
The key points to this added benefit are:
- Easy to obtain with just three medical questions
- Lump-sum cash benefits paid upon the first day of hospitalization
- Benefits paid over and above any benefits you receive from any other plan
- Use any doctors or hospitals you wish
Both the additional riders listed above are not available in all states, but they are available in most states. Simply visit this link to get a quote on Accident Insurance.
Notice: Under most Medicare Advantage Plans or Medicare Supplement Plans, Accident Health Insurance would not be needed. Accident plans are mostly sold to the under 65 market.
Obamacare or The Affordable Care Act or the PPACA?
Obamacare or commonly called the Affordable Care Act (ACA) is really and truly The Patient Protection and Affordable Care Act (PPACA). President Obama signed the law on March 23, 2010. The law is very controversial and is the largest overhaul of the United States healthcare system since Medicare and Medicaid laws came into existence in 1965 under Lyndon B Johnson.
Obamacare was passed to improve the quality and affordability of health insurance coverage. The law aims to lower the uninsured rate by introducing subsidies and the Health Insurance Marketplace. The law did away with declining people due to current health status and insurance companies are required to cover all preexisting conditions. The ACA projected that overall insurance rates would decrease, but has yet to be seen.
One added cost to the ACA is that hospitals and primary physicians have transformed their practices with technology that is supposed to aid in better health outcomes. The technology is to help Americans have better accessibility to the expected cost of their healthcare.
Is Obamacare and the Affordable Care Act Working?
In the case of King vs. Burwell, the Supreme Court confirmed that the ACA subsidies would be available in all states. However, in 2015 much of the ACA bailout provision was de-funded. Insurance companies were expecting $2.7 billion in bailout money but only 360 million was available. This led a dozen government funded co-ops to go bankrupt, including Louisianan, Nevada, Oklahoma, and Tennessee to name a few.
In late 2015 the largest health insurance companies in America announced the possibility of a billion dollar loss on health insurance plans being offered to individuals and families. This announcement set off a chain reaction in the industry and now most individual health insurance carriers are avoiding the marketplace and state based exchanges and are now focusing on alternative health insurance options.
The only thing certain at this time is Obamacare will see a face lift in coming years. It is yet to be known if Obamacare will survive or not in coming years. All Americans can expect some growing pains as the US healthcare system continues to develop.
Who Can Enroll In Medicare Supplement Policy
When US citizens turn age 65, they have the option to enroll in Medicare and a Medicare Supplement Policy. Some people are able to apply before age 65 if they are disabled. Traditional Medicare includes Part A and Part B. Part A provides some hospital coverage. Part B provides some doctor visits and outpatient coverage. While Medicare is an excellent foundation to a health plan, most Americans find great value in adding some type of Medigap coverage to supplement their basic Medicare. With the increasing expense of hospital care and outpatient treatments, many hard working Americans want to not only protect their assets, but also secure quality coverage. The good news is there are hundreds of private plans designed to help provide coverage where Medicare does not.
When can I Enroll in a Medicare Supplement Policy?
There are three key times to purchase a Medicare supplement product. During these times it is unlikely to be required to answer any health questions. Essentially, the insurance companies do not review your overall health. This is a huge benefit to most enrollees.
- Within 6 months of turning 65
- Within 6 months of receiving Part B coverage
- Prior to losing your group health insurance plan
If these times apply to you, please contact us now, so we can provide a clear overview of your Initial Enrollment Period and get you headed in the right direction.
If none of the three times listed above apply to you, you still may be eligible to purchase a Medicare supplement policy or to change policies.
For example, if you purchased your policy in the past and it is not the policy you intended, then you still may be able to enroll in a different policy. Depending on your situation you may or may not have to answer health questions and go through the underwriting process. If this applies to you, it is imperative to speak with our staff sooner than later. We possess detailed knowledge of the underwriting process and can shed light on expected outcomes and add insight on the insurance companies that may be more welcoming to applicants with preexisting health conditions.