The first step in being able to understand your health insurance plan is understanding the terms that explain your benefits. Those individuals that get unpleasantly surprised at what their health insurance plan DOES NOT cover, for the most part never took the time to understand the terms that outlined their coverage. Here are simple definitions
“The Latte Factor” an idea first expressed by David Bach in his book Automatic Millionaire talked about a systematic savings plan based on Designer Coffee Purchases. American spend literally millions of dollars per year on expensive coffee drinks and the like at designer coffee houses around the country. For some it’s an everyday ritual, for
2013 Open Enrollment is over, what do you do now? You need to make sure that you have received your current membership card for the plan you signed up for….If you are on a Medicare Advantage Plan you need to make sure that you have the correct Primary Care Doctor listed on the back of
Do you have all the information you need to make an informed decision about your California Medicare Advantage or Medicare Supplement plan? 2013 Open Enrollment Ends Dec 7th ! CALL NOW – 877 – 777 -7055 Dont Be Late : Call now to set up a no obligation in – home or at your favorite
Do you have all the information you need to make an informed decision about your California Medicare Advantage or Medicare Supplement plan? 2013 Open Enrollment Ends Dec 7th ! CALL NOW – 877 – 777 -7055 Dont Be Late : Call now to set up a no obligation in – home or at your favorite
Do you have all the information you need to make an informed decision about your California Medicare Advantage or Medicare Supplement plan? 2013 Open Enrollment Ends Dec 7th ! CALL NOW – 877 – 777 -7055 Dont Be Late : Call now to set up a no obligation in – home or at your favorite
The Original Medicare Plan, or Part A and Part B coverage, is a federally managed fee-for-service plan. Beneficiaries can choose the doctor and hospital from which they would like to receive services. Monthly premiums, annual deductibles and co-payments for services are required. Prescription drug coverage, or Medicare Part D, may be added to the Original
Just Us Insurance is a local full-service independent Insurance agency, offering a wide range of Final Expense, Life Insurance, Annuities, Health Insurance and Medicare Supplements We represent all major Insurance carriers, customizing plans to fit the needs & budget of our clients. —————————————————————————————————————————– Just Us Insurance / Jay Gray / Jay@INSR4U.com / 760-822-3385 / 877-777-7055
A breast cancer diagnosis is bad enough. Emotionally it doesn’t get much worse, but financially it can and most often does. Most women today know of someone who has been stricken with breast cancer. Breast cancer awareness is at an all time high. Additionally, several high profile women who have had breast cancer are bringing
An indexed annuity is simply a fixed annuity that credits INTEREST in a very unique way. It pays interest based on the performance of a stock market index, usually the Standard & Poor’s 500. Indexed annuities are not at all like mutual funds which actually purchase stocks on your behalf and subject your principal value to market
Life insurance is one of those topics like religion and politics we are conditioned NOT to talk about. However, that being said life insurance is a necessary and invaluable tool in your financial portfolio, if used correctly. Regardless of what your financial planner/advisor tells you there are only two reasons for life insurance and they
No one likes to pay health insurance premiums! However, if you are going to spend the money to be covered, you have to make sure that you have the correct coverage. You’ll want to hear the story of April Capil. She was diagnosed with breast cancer in November 2008, and you can learn what has
Youth sports are one thing. Parents know the risks and have to sign waivers. However most parents don’t know that bicycles and skateboards are responsible for more children’s injuries than all organized sports combined. When most of us parents were children we seemed to instinctively know that bicycles were meant to stay on the earth.
In one of my previous messages I explained to you what indexed annuities are. Hopefully you learned how valuable they can be for your retirement savings because now you can benefit from the upside prospects of the stock market without the inherent market risk of mutual funds. In this I will dispel any misunderstandings of
Like Health Savings Accounts for health insurance, indexed annuities are the least understood GREAT product for retirement savings dollars. Unfortunately, like health savings accounts, most financial services professionals that recommend indexed annuities, DO NOT explain them adequately to their clients. An indexed annuity is simply a fixed annuity that credits INTEREST in a very unique
In this message I would like to highlight some of the many advantages annuities have over bank CDs. First both offer safety of principal in fact they both GUARANTEE your principal. CDs do it via a small reserve requirement of less than 6% and the balance of the guarantee covered by an insurance policy purchased
One of the most popular financial tools for retirement savings accounts is the indexed annuity. Like Health Savings Accounts for health insurance, indexed annuities are the least understood GREAT product for retirement savings dollars. Unfortunately, like health savings accounts, most financial services professionals that recommend indexed annuities, DO NOT explain them adequately to their clients.
In this post I will explain the surrender fees associated with annuities, how they are calculated and under what circumstances they will be waived. First, what is a surrender fee? It’s a charge the insurance company will subtract from your account should you cancel your policy or withdraw MORE than the annual allowed limit before
In one of my previous posts I explained the two types of fixed annuities and how each one is used in your retirement savings strategy. In this message I’ll explain the various payout options you have when choosing to receive income from your annuity. The amount you’ll receive is determined by the amount of your
Unfortunately, most people covered by health insurance have a false sense of security, especially if they are covered by an employer sponsored health plan. Almost 7 out of every 10 bankruptcies filed each year are due to catastrophic medical expenses, and most of those individuals had health insurance coverage. If you or your spouse is
We are Not Affiliated with or endorsed by the government or the federal Medicare program. We do not offer every plan available in your area. Currently we represent 15 Insurance carriers in 30 states with over 1000 + National plans. Please contact Medicare.gov, 1-800-Medicare or your local State Health Insurance Program to get information on all your options.
