Carriers We Represent
We represent only 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 Life Insurance Co
• Assurity Life Assurance
• Banner Life Insurance Company
• Fidelity Security
• Genworth Financial
• Illinois Mutual
• Lloyd’s of London
• Mutual of Omaha
• Principal Life
• Protective Life Insurance
• The Standard Life and Accident Co
• Union Central
No Exam Term Life Insurance
» Up to $350,000 No Medical Exam
» Level insurance rates 10 - 30 years
» Same day Coverage if approved
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
Medicare Part B - Florida
Just as important it is to have medical insurance in your younger years, it is important to have coverage when you are older. Medicare gives you affordable coverage for various medical expenses that you are likely to have. Medicare might be applicable to you if you are 65 or older, suffer from end-stage Renal Disease (kidney failure) or are disabled under the age of 65. In addition to Medicare Part A (hospital coverage), Medicare Part B plays an important role in your health benefits.
What is Medicare Part B
Medicare Part B is an additional part of your Medicare benefits plan. Whereas some individuals automatically get enrolled in Part B, others might have to specifically sign up for it. Individuals who are already enrolled in Social Security or Railroad Retirement Board automatically get signed up for both Medicare Part A and Medicare Part B coverage. Medicare does allow you to cancel Part B coverage if you choose not to receive these benefits.
Medicare Part B Deductible
For 2013 Your Medicare Part B deductible is $147.00 per year. In addition the coinsurance that you will be expected to pay will be 20% of Medicare eligible charges.
What does Medicare Part B Cover
Medicare Part A serves as the hospital portion of coverage, and Medicare Part B provides coverage for medical services such as visits to the doctor or outpatient care. Some examples of covered expenses in a Medicare Part B program include:
- Physician visits
- Preventative tests and screenings for various illnesses such as glaucoma, cardiovascular disease, prostate cancer, colon cancer, HIV and diabetes
- Lab analysis for blood and urine testing
- Flu and Hepatitis B shots
- Mammograms, pap tests and pelvic exams
- Limited home health services such as occupational therapy, oxygen equipment and speech language pathology
- Ambulance services if necessary
Medicare Part B Premiums
Unlike Medicare Part A, individuals typically pay a premium for Medicare Part B insurance coverage. Typically deducted from your Social Security or retirement funds, this premium is based on various factors including your income and how you file taxes. Most people pay the Part B premium of $104.90 each month in 2013, with higher premiums for individuals with larger annual incomes. Additionally, Medicare Part B benefits usually begin after you pay a deductible and/or co-payment for services rendered.
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 .