Monthly Archives

April 2013

Options for Mutual of Omaha Medicare Supplement Policyholders

By | Making the Most of your Medicare | No Comments

 Is your United of Omaha or Mutual of Omaha Medicare Supplement premium increasing June 1st?  If so, our agency can help.  We represent many different insurance companies that offer seniors in Missouri the most competitive rates on Medicare Supplement insurance.  In the last few weeks, we have helped many clients find alternatives to these escalating premiums. Missouri has a unique law that allows policyholders to change their Medicare Supplement plan without any underwriting, regardless of pre existing conditions, to save money on their premiums. For example, if you are a 68 year old male with United of Omaha, your premium may be increasing to $220/month or more for Plan F.  There are other A+ rated insurers that offer a 68 year old male the exact same coverage, Plan F, for only $177/month. Contact us today for a free, no obligation comparison of your Mutual of Omaha Medicare Supplement policy and…

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Will wellness programs succeed in the workplace?

By | Making the Most of your Medicare | No Comments

 There is a lot of talk about wellness and preventive medicine with the upcoming Health Care Reform.  Our current health care system has been called a “disease management system” with little focus on preventing chronic conditions.  Wellness programs are put in place by employers in an effort to reduce health care costs by encouraging healthy activities and lifestyles.  They often follow a carrot and stick mentality.  An employer will reward the employee who participates in a smoking cessation class or weekly weigh ins with a reduction in health insurance premiums or a lower deductible.  If you high tail past the gym on your way to a smoke break, you pay higher premiums and higher deductibles.    These programs are starting to become more popular and the upcoming reform certainly plays a role. It lets employers vary premiums based on wellness program participation by as much as 30 percent — 10…

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Medicare Coverage of Ambulance Services

By | Making the Most of your Medicare | No Comments

Did you know that Medicare can cover 80% of the cost of air transportation in an emergency?  It is true, Medicare may pay for emergency ambulance transportation in an airplane or helicopter if your health condition requires immediate and rapid ambulance transportation that ground transportation can’t provide, and one of the following applies: – Your pickup location cannot be easily reached by ground transportation. – Long distances or other obstacles, like heavy traffic, could stop you from getting care quickly if you traveled by ground ambulance. Logically, this makes sense as the 2 reasons listed above are really the major reasons a person would need air transportation.  Because this benefit is covered by Medicare, it really is not necessary to purchase a separate “helicopter transport policy” that is offered by different air transport companies. Non-emergency ambulance transportation In some cases, non-emergency ambulance transportation may be provided when you need ambulance…

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