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Part of what we do here involves getting transparent data to America’s seniors, to help them to plan for their healthcare needs later in life.

 

We are not registered agents, or an insurance company, but we are a clearinghouse for the kinds of data that can help America’s elders to choose coverage that will keep them in good condition financially down the road. That’s important!

 

Here are some of the frequent services that we offer:

 

Help With Annuity Quotes

 

An annuity is basically an agreement to put money into an account that gets escrowed, and then receive the funds in future years. In the interim, the money grows, so that the annuity recipient will have a bigger payoff in retirement. This is essentially a major planning tool for people who want to grow the money that they save for their later years. We can explain more about how this works and what options may be right for you. 

 

Dental, Vision and Hearing Coverage

 

In addition to those core hospital and doctor services that Medicare covers for seniors, most of us will need auxiliary dental, vision and hearing consultation and treatment from time to time.

 

We help with quotes on these kinds of additional coverage.

 

Medicare Supplements

 

If you’ve read some of our past blog posts, you know that many seniors choose Medicare supplement plans to go along with their primary Medicare coverage. Certain gaps in Medicare coverage make this a smart thing to do in your retirement years, to get additional protection from unexpected medical bills. We help to show seniors and families a little more about the landscape of Medicare supplement plans to help them get started on finding what’s right for an aging family member. 

 

Life Insurance

 

Anyone of any age probably doesn’t want to leave their families destitute if they were to suddenly pass away. Life insurance is another of the products where we provide carrier information and more to help people make the right decisions. Do you know the difference between “whole” and “term” life? These are the kinds of info that we help with. 

 

Long-Term Care

 

Another big consideration for end-of-life planning is figuring out what happens if someone becomes unable to take care of themselves and needs significant nursing care later in life.

 

We help provide transparency on long-term care insurance to go along with life insurance, another product that we talked about above. 

 

Get help from a company that cares! We help with the mess of taking care of senior services and working through a complex process quickly and efficiently, for your family and their future. 

 

It is never easy to choose medical insurance, although it is a necessity. It’s also not possible to predict what we might need by way of healthcare. More often than not, health insurance companies tend to club a few benefits together, sell them as a package, and offer attractive and affordable premiums. But does the package have everything you need? Perhaps not! This is why there are Medicare supplement plans.

What Are Medicare Supplement Plans?

Before deciding if you need Medicare supplement plans, you may need to understand how these plans work with your original medicare policy. It would also help to do your research into the available plans well before the enrollment period. For instance, Medicare Parts A and B provide health insurance for your general health-related expenses, but they won’t cover all of the health care costs you may incur.

A Medicare Supplement plan, also known as “Medigap,” is a private insurance policy. It can go towards paying for some of the health care costs that you don’t get with Medicare. This can include out-of-pocket expenses such as copayments, coinsurance, and deductibles.

As the COVID-19 pandemic continues to create concern and worry, businesses, small and mid-sized, that offer health insurance coverage are fewer in number. The pandemic has also given rise to a lot of unemployment causing a stretch in their budget and impacting the required premium payments.

No one could have predicted the Wuhan virus international emergency and how we would be caught unawares of increasing health issues. Now, there is a greater need to understand our health insurance plans and how we need to improve on them to ensure that we can afford good healthcare. This is especially true in the case of out-of-pocket costs and health insurance for senior citizens.

Find The Right Medicare Supplement Plan

Medicare Supplement plans are created to help pay for the costs you normally pay out of your own pocket. But the supplement plan you select will tell you how you benefit from it, and how much it costs. For those that are unsure of how to proceed, insurance companies offer expert consultation through licensed agents. In fact, the only decision to make is that you find a company that not only offers Supplementary Medicare but also sound advice on which plan suits you best.

Clearly, supplement plans are essential for the elderly. Supplement plans that can pick up where your Medicare leaves off bring peace of mind, knowing that you are covered if you are afflicted with something unexpected.

Prescription drugs, hospital costs, burial and funeral financing – all of it seems complicated to a lot of Americans. Most of us know that people sign up for Medicare at the age of 65, but for many of us, that’s where our knowledge of Medicare basically ends.

 

You may have heard it called a government entitlement program, but a better way to describe Medicare is that it’s public insurance that helps to cover American seniors. Since most people of advanced age are retired and not on their employer insurance, Medicare provides that coverage they need to be able to afford healthcare services. What Medicare doesn’t provide is the massive amount of instructional time it would take to make every American family masterful or even literate on the complex ins and outs of the insurance industry and what the terms in their contracts mean. 

 

Medicare Advantage and Specialized Medicare Plans

 

Here’s one example: in addition to simple Medicare with its part A and part B coverage, many seniors who know more about the insurance industry select Medicare Advantage plans to help cover costs. They may also select specific types of burial, hospital and long-term care insurance, to guard against the high costs of treatment they may need in the future, including a need for skilled nursing facility care – because they have heard that a nursing home can quickly burn through your net worth and make you indigent. 

 

All of this takes work and attention to detail. So how do you figure out the labyrinth that is Medicare coverage?

 

We can help.

 

Medicare and You

 

At Senior Benefit Services, Inc., we provide assistance with that elaborate process of securing your chosen Medicare insurance coverage. We are not a government agency or an insurance company. Instead, we operate sort of as a clearinghouse, where we work with carriers to get you access to the information you need to make choices. When you call, you ultimately get a response from a licensed agent who can help you get access to policies and government insurance options. Get quick quotes for supplemental coverage through our website, and you can get closer to knowing what you need to know about something that is a fact of life, but not really on most people’s radar until their 65th birthday, or later. We help those in Maryland, Pennsylvania, Florida, Virginia, West Virginia and other states to navigate this system and select the best results.