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Medicare Information made simple.
Medicare is a federal health insurance program for people 65 and older and certain younger people with disabilities and people with End-Stage Renal Disease (ESRD)
Parts A and B are considered Original Medicare. Part A is free, and Part B has a monthly premium ($134 in 2019) which is either deducted from your Social Security check or paid quarterly if not collecting Social Security.
Part A covers hospital benefits, and Part B covers physician services, inpatient and outpatient medical and surgical services and supplies, physical and speech therapy, diagnostic tests and durable medical equipment.
Medicare Parts: 4+

Official Name

Commonly Called

Cost /
Payment

Coverage
Type

Part A

Original

Free

Hospital care

Part B

Original

Deducted from SSA check /Bank Account

Medically-necessary and preventive services

Part C

Advantage

Commercially available

Parts A & B provided by a private insurer

Part D

Prescription Drugs

Optional extra with Part C

Prescription drugs

Supplement

Medigap

Commercially available

Uncovered expenses, e.g., copayments, coinsurance, and deductibles

 
 

 The Government regulates all Medicare Supplements, So, all Plan A, B, C, D, F, G, K, L, M, N have the same coverage within each plan.  A plan F has the same coverage no matter which insurance carrier you use. But Insurance carriers charge different premiums for the same plans. One insurance carriers may charge $110 for a plan F while another insurance carrier may charge $156 for the same plan F.  You get the same coverage with both carriers. So why pay more for the same?  Get the best deal for the insurance coverage that fits your needs.  The only people that benefit from you paying more are the insurance company and the agent that gets a higher commision.  This is where we come in. We can quote you multiple insurance carriers and multiple plans in as little as 5-minutes over the phone. We can give you a market analysis of each carrier, how long have they been selling Medicare supplements, What are their AM best rating, How many seniors do they have insured in Indiana. We are independent of the insurance carriers- We work for you. Give us a call 765-462-6002 Email kjones@INinsureALL.com

Whether you´re searching for Medicare Supplements, Medicare Advantage,  Life Insurance and other retirement strategies you must be well-informed and well-advised to get the most out of your premium dollars. An experienced and independent agent who represents multiple insurance carriers can make a huge difference in what you pay for coverage. Your satisfaction is necessary for our success. Our goal is to provide you with the best level of customer service, and we welcome your comments and suggestions

 
 
Read these articles for more information on each topic.  
 
 
 

Medicare by itself has a high deductible for hospital admission, and it only pays 80% of eligible doctor costs. A serious illness could set you back many thousands of dollars. A Medicare Supplement policy covers all or most out-of-pocket medical expenses providing you with peace-of-mind and potential savings. Let us guide you in sorting through the numerous Medicare options. We can also help you in choosing a Medicare prescription plan that includes your specific medications.

Medicare Supplement Savings

We specialize in saving seniors money. Even if you are 70+ years of age and already have a supplement let us quote your business. We move seniors from high-cost insurance carriers to steady performing insurance carriers saving seniors hundreds of dollars every year. Seniors can stay on their same plan and just change carriers. We do this 365-days a year. There is no need to wait until the open enrollment period. Seniors can change Medicare Supplement carriers whenever they like.

Long-Term Care and Final Expense Insurance

Long-Term Care Insurance gives you the financial means and the support options you desire. Whether you require in-home visits, assisted living or skilled nursing care, Long-Term Care Insurance lifts the burden from those around you, improving the quality of life for yourself and for everyone you hold dear.

Your family will always come first. You wouldn`t want them to bear huge and unexpected financial burdens at the time of your passing. No matter what your age, it`s essential to have a plan in place to protect your loved ones when you are no longer able. Final Expense insurance will pay for your funeral service, bills, and other associated costs.

Cancer and Heart Attack Insurance 
1 out of 3 people over the age of 50 will be diagnosed with cancer. This number is increasing yearly. We can quote you very affordable insurance that pays a one-time payout on first diagnoses. You can use these funds however you see fit.  Cover expenses, pay personal bills, or take a vacation are just a few ideas. The check comes to you directly. The insurance coverage is very affordable, and you have to answer very few medical questions to receive the coverage. 

Why Should I Call This Agency for Insurance?

Good question. There are a lot of insurance agents out there, and it may seem like any agent or broker is as good as another. But we are decidedly different.  I got into the insurance market after my parents turned 65 and were over-charged by an agent that was more concerned with his commission than with seniors needs. I put the seniors needs first. 

Let´s face it; insurance jargon can be very confusing. We know the ins and outs of the insurance business, and our inside knowledge of many insurance carriers and the many products will work to your advantage. In fact, different insurance carriers often charge vastly different premiums for the same coverage. As independent agents, we are not employed by one particular insurance carrier. Instead, we can select insurance products from among the many carriers that best address your unique concerns.

We promise to focus our attention on your benefit exclusively. 

CONTACT US:
Phone:765-462-6002
Email: kjones@INinsureALL.com
 https://ininsureall.com/ininsureall/contact

 

Please don´t hesitate to call us with your questions no matter whether you are already a valued customer, a potential client or if you simply need expert advice. There will never be a charge for our assistance or for a friendly, no-obligation chat.

 
 
 

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