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Forethought Medigap Plans

June 13, 2011 | Posted by Alex Stone

Forethought Financial Group has had solutions for people planning for their financial future since 1985. Their foundation is solid, with a 25 year track record proving their integrity and focused on delivering products to consumers. Rated A- “Excellent” by A.M. Best for their financial strength, the company has a competitive supplement product that is continuing to expand to new states.

Medicare Supplement products are available and have competitive premiums, excellent commissions, 9 month advancing, and a direct company contract. Forethought products available are annuities, life insurance, Medigap plans, and financial products.

Forethought offers a Combo Application, combining both Medicare Supplements and Final Expense on the same application. This app allows you to develop a long standing relationship with your clients and have multiple sales on the same lead.

Plus, a fax application program is available so you can use this product to sell Medicare Supplements over the phone. Prospecting over the phone frees up the time you would have spent driving to meetings and allows you to expand your sales territory to senior rich areas, spend more time on the phone, and grow your business. While speaking with a prospect you will fill in the application with their information and give them instructions on how to complete the application. Once you’ve mailed it to them you will confirm receipt and wait for it to be returned. Then you will be able to simply fax the application to the company as normal. Coming soon, an e-application will be available streamlining the process even more. That way, you’ll be able to fill out the application online and have the client fill it out and submit it to the company immediately for processing. The E-App has fewer errors, eliminates paperwork, and there is a quick turn around on the business being issued.

The Forethought products are designed to reduce the burden of loss to loved ones and offer the best products to your clients. Be sure you have this product in your portfolio in order to capture business in the booming senior market.

Forethought Medigap is the perfect addition to your senior market portfolio. Precision Senior Marketing offers the best Forethought Life contracts and best commissions plus service and support on major Medicare Supplement products.

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When Your Parents Need Help Managing Their Money

June 13, 2011 | Posted by Janet Smytherton

How will you know when your elderly parents needs help managing their finances? There may be small signs along the way that everything is not as it should be. There are a few things to keep your eyes open for. One sign is if they no longer balance their checkbook or even have checks returned for insufficient funds. If they have fallen for one of the many scams that target the elderly, this may be another sign. I remember when my mother told me that she had to send money to each charity that sent an appeal so that they would stop sending the appeals in the mail. Clearly, this didn’t work and she didn’t understand why. Another thing to watch out for is when they write a check for the wrong amount, for example a check for $1200 for a $12.00 bill.

Just keeping track of their investments can sometimes be too much for them to manage. No matter what our age, it can be confusing. When I got involved in my mother’s finances, I found paperwork from six different financial companies about annuities that she had purchased. It turned out, after much research, that she only had two annuities, but they had been sold off repeatedly from one financial institution to the next. Each time they were sold, a new account number was assigned. What a nightmare – no wonder it was too much for her to keep up with.

Getting involved before it is absolutely necessary is often advisable. If you get involved early, your parents can help you to understand their income sources and expenses. They can share information about insurance policies and plans they may have made to cover the cost of long term care should it become necessary.

With your help, your parents may want to consider putting some of their transactions on auto-pilot. Pension checks and Social Security income can be deposited automatically to their bank account. The cost of utilities and other monthly charges from trusted sources can be put on auto pay at their bank. With auto deposit and auto-pay, you can be certain that these transactions will be handled appropriately. Since many of the elderly are not computer literate, it’s a good idea if your parents will add you to their bank accounts so that you can monitor the activity on line.

Even if your parents have been doing a good job of managing their money, they may be missing opportunities to save money. The National Council on the provides information on eligibility for discounts on property taxes, utility bills and health care.

Should your parents become ill or incapacitated and they have added your name to their checking account, you will be able to pay their bills easily. If you have brothers and sisters, it’s advisable that just one person manage the day to day finances of the parents. Communication between siblings is important so that all the siblings feel comfortable that the parents finances are being managed for their benefit.

One area where the elderly frequently need assistance is in handing the medical bills and medical insurance. For most, Medicare is the primary insurance. If there is a secondary insurance, many times you will need to get involved to ensure that the medical offices submit the claims and receive payment from the secondary insurance company. Often, they find it easier just to bill the patient after Medicare has paid the initial amount. In an effort to be responsible, many elderly just pay for medical expenses themselves, without benefiting from their secondary coverage.

After a lifetime of working and saving, it’s important that we help our parents to ensure that they don’t run out of money for their needs.

Janet Smytherton has enjoyed working with the elderly for the past 20 years. Her focus is on providing our elderly with Quality Assisted Living Facilities. HerDirectory of Assisted Living Facilities in Texas is an online resource that does not require the user to give personal information.

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Being Eligible For Medicaid

June 11, 2011 | Posted by Takara Alexis

Medicaid provides medical assistances for certain types of low-income individuals. Medicaid pays medical bills with funds from federal, state, and local taxes. Patients with Medicaid may sometimes be responsible for making a small co-payment for services, but they do not usually have to pay anything for services.

Medicaid assistance is sometimes confused with Medicare, but the two are different programs. Medicare is a type of health insurance for individuals over 65 and those under 65 with certain disabilities. The eligibility requirements for Medicaid and Medicare vary.

Having a low income isn’t the sole requirement for receiving Medicaid help. There are many people who are poor, with incomes under the poverty level, who do not meet Medicaid requirements because they don’t fit within the designated eligibility groups.

Generally these groups of people can receive Medicaid assistance: Pregnant women and children under 6 with family income at or below 133% of the federal poverty level. According to the 2009 Federal Poverty Guidelines, a family of two would need an income less than $19, 378 to qualify for Medicaid assistance. Children ages 6 to 19 qualify with a family income at or below the federal poverty level. Adults who take care of kids under age 18. Individuals who receive Supplemental Security Income. Teenagers up to age 21 who are living on their own and, people who are over 65, blind or disabled.

If you do not live in a state with a medically-needy program and you do not meet the income requirements, you might not qualify for Medicaid.

In general, you must be a U.S. citizen to qualify for Medicaid. Legal immigrants may be able to qualify in specific circumstances. Illegal immigrants who would otherwise qualify for Medicare may be able to receive Medicaid assistance in emergency situations only.

Medicaid coverage can be retroactively applied up to 3 months before the application was made as long as you were Medicaid eligible for coverage during that period. So, if you incurred medical bills before you applied for Medicaid, you could have those bills covered if you make your Medicaid application within the specified time frame.

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Home Oxygen Equipment is Expensive

June 10, 2011 | Posted by Janet Gaye Walker

If you are looking at buying your own home oxygen equipment, you will need to consider a number of things. The equipment comes with a lot of different accessories along with the tanks and it can quickly rack up the prices onto your bill.

Sometimes, it will work out cheaper for you to rent the equipment rather than buying all of your own. This will only sometimes work and you need to think about how long you will be using the oxygen each day, week and month. If you continually use it, you could find that renting will mean the price rises quickly and then it may be best for you to buy your own.

If cost is something that is really on your mind when it comes to your home oxygen equipment, it is definitely worth checking with your medical insurance provider. Many companies now will actually at least pay towards some of the cost of your equipment, some will actually pay towards the total cost. You will need to check for the conditions for this since some will require that you only rent the equipment for a year and some will help the cost towards buying your own. This will also be dependent on whether the equipment is essentially or whether you can actually live without it.

You will also need to look at the size of the equipment that you are buying. The larger cylinders will be difficult to move around but they are generally a cheaper option than the smaller battery powered ones. The type of device that you can look at will also depend on how much you need it. The more that you require the oxygen, the more likely it is that you will benefit from a smaller, more portable pack. That means that you can do the housework or go out to the shops with your oxygen rather than constantly sitting in your chair in front of the television.

You should always look into a number of different areas when considering your own home oxygen equipment. While the cost will usually be the main part of your decision, you also need to consider the convenience of your portable oxygen systemand if your life really does have a price tag on it.

Learn more about home oxygen equipment. Stop by Janet Gaye Walker’s site where you can find out all about portable oxygen system and what it can do for you.

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The Rising Recognition Of Medicare Supplement F To Senior Citizens

June 2, 2011 | Posted by Jean Rogers

Choosing a plan nowadays is quite hard especially if you don’t know how each plan works, or does it work up to your advantage or it is just another way of putting your money to waste, investing into something that is not worth your money.

Below is the list of the coverage of Plan F, and why do you need to choose it.

Medicare Supplement Plan F almost covers all of the plans available. These are your Foreign travel emergency care, Hospice Care Coinsurance, and Skilled care nursing Facility care coinsurance, Medicare A coinsurance and Part B deductible, Part B coinsurance, and Part B excess charges.

It is only proper that you are well-informed before choosing Medicare Supplement Plan F, or any other plans available, having the right amount of information needed, will lead you to a right and wise decision at the end.

You need to contact a national insurance broker who specializes in Medicare plans, for you to be aware on how each plan functions, and will help you in choosing the best plan possible. The person-in-charge will be able to give you quotes, and explain to you well its issues and important guidelines for you to understand the plan well.

If you will just search on thoroughly, there might be other plans that will work for you well like the Plan G. What is Plan G? Plan G offers that same coverage as Plan F; there only difference is the Part B deductible.

It is important that you know the price difference among the plans available so that you know where your money is going. If you choose Plan G, you will be meeting your Part B deductible at the beginning of the year. This is good for a senior who doesn’t go to the doctor often because you don’t have to spend the $ 162 deductible for Part B.

It is important that you are aware on how you’re chosen plan works so that you will have a clear understanding about it. And think for a million times first before making your purchase.

Aside from senior plans, this author also regularly gives advice regarding medicare part f plans and what is medicare.

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