Carriers We Represent
We shop the strongest carriers available to ensure you get the best product and the best price for each and every risk.
Our insurance carrier affiliations include:• American General
• Banner Life
• Fidelity Security
• Genworth Financial
• Illinois Mutual
• Lloyd’s of London
• Mutual of Omaha
• Protective Life
• The Standard
• Union Central
No Exam Term Life Insurance
» Up to $400,000 No Medical Exam
» No Medical Exam Life Insurance
» Level insurance rates 10 - 30 years
» Same day Coverage if approved
If your health is preventing you from buying life insurance you may want to consider Guaranteed Issue Life Insurance.
High Risk Life Insurance
If you've had a major illness such as cancer, diabetes, cardiovasular, or even by-pass surgery disease and thought you could not buy life insurance consider High Risk Life Insurance
Discount Dental Plans
Starting At $79.95 per year and more than 20,000 participating Dentists nationwide. To get an additional 3 months free.» Dental Plan Quotes
Medicare Part A
It is important to understand the differences between Florida Medicare coverage Part A and B. Knowing the details before being in medical need is imperative. This is true regardless of whether you live in Jacksonville, Tallahassee, or Kissimmee.
Medicare Part A Eligibility
Medicare, itself, is designed to help senior citizens aged 65 or older and those individuals 65 and under that are disabled and meet certain requirements. People that are in kidney failure or need a kidney transplant are also eligible. There are several different parts to Medicare including Parts A, B, C, and D. Part A helps to cover cost associated with inpatient types of care.
What is Medicare Part A
Hospital Insurance Coverage or Part A of Medicare covers costs associated with a hospital stay, critical/emergency room admission, hospice and long term care hospitals. It also covers stays in a skilled nursing facility; however, this does not include custodial or long term care facilities.
Part A also covers items such as blood work, when performed in a hospital, skilled nursing facilities and rehabilitation centers. This is especially helpful for those that may have been injured, or have had a major surgery and requires rehab therapy to get back on their feet and start to move forward into their recovery.
Medicare Part A Deductibles
Deductible: In 2013 Medicare will pay for all charges for the first 60 days of hospital confinement except the first $1,184. This is the deductible amount that you must pay, or if you have some form of Medicare supplement it may pay it for you.
Medicare Part A Coinsurance
- You will be responsible for paying $296 for each day of hospitalization that last longer than 61 days but less than 90 days.
- You will be responsible for paying for paying $592 for each day of hospitalization that last longer than 91 days but less than 150 days. This 60 day period is referred to as your lifetime reserve days. It only applies to each benefit period. The benefit period begins on the first day of hospital or skilled nursing confinement and ends when you have been out of the facility for a period of sixty consecutive days.
- After 151 days of hospital confinement you will be responsible for all hospital charges.
Medicare Part A covers hospital bills during the first 60 days quite nicely. The most that you would be responsible for is the deductible of $1184. But any hospital stay beyond 60 days could be financially devastating. For hospital stays between 61 and 90 days you would be responsible for more than $8490, and a stay of 91 to 150 you would be responsible for charges in excess of $34000.
Florida Medicare Supplements
The first step in making sure that the gaps in Medicare are filled is a good understanding of what is available to you. There are basically three ways to accomplish this.
- Florida Medicare supplement
- Medicare advantage
- Personal savings
For More Information
Please contact National Insurance Services of North America today at 888-564-7662 to obtain more information from one of our dedicated and experienced advisors. Always delivering the best in customer service and satisfaction, we look forward to helping you determine what type of Medicare supplement is right for you.