{"id":39,"date":"2020-12-11T18:16:49","date_gmt":"2020-12-11T23:16:49","guid":{"rendered":"https:\/\/yourcarerep.com\/?page_id=39"},"modified":"2025-06-14T14:43:07","modified_gmt":"2025-06-14T14:43:07","slug":"services","status":"publish","type":"page","link":"https:\/\/yourcarerep.com\/agent-clone-template\/services\/","title":{"rendered":"Services"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"39\" class=\"elementor elementor-39\" data-elementor-post-type=\"page\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-4ddb75c elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"4ddb75c\" data-element_type=\"section\" data-e-type=\"section\" id=\"RSSA\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-6abbd0f\" data-id=\"6abbd0f\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-16daeb1 elementor-widget elementor-widget-heading\" data-id=\"16daeb1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Our Services<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1c38537 elementor-widget elementor-widget-text-editor\" data-id=\"1c38537\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tBelow are the services we offer.<br \/>If you don\u2019t see what you need assistance with, please contact us at the form below.\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-7042c88 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"7042c88\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-ea52ed9\" data-id=\"ea52ed9\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-1e52850 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"1e52850\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-0350036 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"0350036\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-06a81e5\" data-id=\"06a81e5\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-37ed5be elementor-widget elementor-widget-image\" data-id=\"37ed5be\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/rssa.com\/analyst\/Edgardo-Velez\/\" target=\"_blank\" rel=\"nofollow\">\n\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"600\" height=\"400\" src=\"https:\/\/yourcarerep.com\/agent-clone-template\/wp-content\/uploads\/sites\/7\/Your-Care-Rep-Services.jpg\" class=\"attachment-full size-full wp-image-12845\" alt=\"\" \/>\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3aa30db elementor-widget elementor-widget-button\" data-id=\"3aa30db\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/rssa.com\/analyst\/Edgardo-Velez\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Get Started With Your FREE Consultation<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-f8e897f\" data-id=\"f8e897f\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-d060e47 elementor-widget elementor-widget-heading\" data-id=\"d060e47\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">RSSA Services<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8caad4f elementor-widget elementor-widget-text-editor\" data-id=\"8caad4f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tWe can help clients save hundreds of thousands of dollars in additional Social Security benefits they have earned and are entitled to.\u00a0 We help clients determine when they should file and start collecting Social Security, based upon their unique situation and historical earnings records. Everyone\u2019s situation is unique. Whether you are single, married, divorced, widowed or a self-employed business owner, an RSSA<sup>\u00ae<\/sup> can help you get every dollar you are entitled to from the government, and optimize your benefits.\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d65eacc elementor-widget elementor-widget-button\" data-id=\"d65eacc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/yourcarerep.com\/wp-content\/uploads\/RSSA-Eddie-Velez.pdf\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Download More Information<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5801410 elementor-widget elementor-widget-accordion\" data-id=\"5801410\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-accordion\">\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-9221\" class=\"elementor-tab-title\" data-tab=\"1\" role=\"button\" aria-controls=\"elementor-tab-content-9221\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><svg class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><svg class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">CLOSED BY DEFAULT<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-9221\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"1\" role=\"region\" aria-labelledby=\"elementor-tab-title-9221\"><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-9222\" class=\"elementor-tab-title\" data-tab=\"2\" role=\"button\" aria-controls=\"elementor-tab-content-9222\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><svg class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><svg class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">More About RSSA Services<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-9222\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"2\" role=\"region\" aria-labelledby=\"elementor-tab-title-9222\">A Registered Social Security Analyst<sup>\u00ae<\/sup> (RSSA<sup>\u00ae<\/sup>) will provide you with a unique Social Security plan, to help you decide on the optimal claiming decisions. Using the RSSA Roadmap<sup>\u00ae<\/sup> Optimization Software, an expert RSSA<sup>\u00ae<\/sup> will help you maximize your Social Security claiming strategy to increase your lifetime benefits and lower your tax liability.\n\nTo get started, download the <a href=\"https:\/\/ss-usa.s3.amazonaws.com\/c\/308479037\/media\/195265e0e350a56b273077744495925\/2024%20Blank%20Client%20Info%20Form%20Fillable.pdf\" target=\"_blank\" rel=\"noopener\">Client Information Form<\/a> by clicking the button above, fill it out and email it to <a href=\"mailto:eddie@yourcarerep.com\">eddie@yourcarerep.com<\/a>. Or you can click on the<a href=\"https:\/\/rssa.com\/analyst\/Edgardo-Velez\/\" target=\"_blank\" rel=\"noopener\"><strong> Get Started With Your FREE Consultation<\/strong><\/a> button above.<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5e03d18 elementor-widget elementor-widget-spacer\" data-id=\"5e03d18\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-b838c7a elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"b838c7a\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-a1bcf81\" data-id=\"a1bcf81\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-10099db elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"10099db\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-bcb9c5e elementor-reverse-mobile elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"bcb9c5e\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-6013e86\" data-id=\"6013e86\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-3b111f5 elementor-widget elementor-widget-heading\" data-id=\"3b111f5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Medicare Advantage<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0dabfee elementor-widget elementor-widget-text-editor\" data-id=\"0dabfee\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>A Medicare Advantage plan is a private health insurance plan that you may opt to get your benefits from instead of traditional Medicare. Originally called Part C, Advantage plans usually have an HMO or PPO network of doctors.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-047525e elementor-widget elementor-widget-button\" data-id=\"047525e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/yourcarerep.com\/agent-clone-template\/services\/download-medicare-you-2024\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Download Medicare and You 2025<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-094577e elementor-widget elementor-widget-accordion\" data-id=\"094577e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-accordion\">\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-9721\" class=\"elementor-tab-title\" data-tab=\"1\" role=\"button\" aria-controls=\"elementor-tab-content-9721\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><svg class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><svg class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">CLOSED BY DEFAULT<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-9721\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"1\" role=\"region\" aria-labelledby=\"elementor-tab-title-9721\"><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-9722\" class=\"elementor-tab-title\" data-tab=\"2\" role=\"button\" aria-controls=\"elementor-tab-content-9722\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><svg class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><svg class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">More About Medicare Advantage<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-9722\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"2\" role=\"region\" aria-labelledby=\"elementor-tab-title-9722\"><p>By joining one of these plans, you direct Medicare to pay the plan a set monthly amount for your care. In return, the plan will deliver all of your Part A &amp; Part B services. You must continue to pay your Medicare Part B premium while enrolled in an Advantage plan.<\/p><p>Medicare Advantage are NOT MediGap plans. They work differently.<\/p><h4>Medicare Advantage Coverage<\/h4><p>With an Advantage plan, you will pay co-payments when you receive healthcare services. Each plan sets its own cost-sharing. For example, you might pay a copay for a primary care doctor visit, and perhaps a higher copay for a specialist. visit Likewise, some plans will charge you a daily hospital copay, and other plans might charge a flat amount for the whole stay.<\/p><p>Limitations, copayments and restrictions my apply, and each plan\u2019s benefits, formulary, pharmacy network provider network, premium and copayments may change on January 1 of each year. Members need to be diligent about reviewing the plan materials sent to them each year in September to see what\u2019s changing.<\/p><p>All Medicare Advantage plans must include an out-of-pocket maximum cap on your medical spending. The highest cap allowed by Medicare is $6,700, although some plans may be lower. Think of this as a safety net. If you have heavy health spending that results in you spending $6,700 out of pocket in a calendar year, then the plan kicks in and pays the rest for the remainder of the calendar year (Part D expenses are calculated separately.)<\/p><p>These plans also frequently include small extras that original Medicare doesn\u2019t cover. Some common examples would be vision benefits, hearing discounts, and health and wellness programs, such as gym memberships. These benefits also can change from year to year.<\/p><p>Another popular feature of Advantage plans is that they often include a built-in Medicare Part D drug plan, which saves you from having to purchase that separately.<\/p><h4>Joining a Medicare Advantage plan<\/h4><p>Part C Advantage plans have different networks, premiums, and cost sharing. Working with an insurance agency that specializes in these plans is a great way to ensure that you consider all the variables before choosing your insurance company.<\/p><h4>Types of Medicare Advantage (Part C) plans<\/h4><p>It&#8217;s important to understand the differences between the types of Medicare Advantage plans to see which works best for you. There are several different types of Medicare Advantage plans:<\/p><ul><li>HMO (Health Maintenance Organization plan): Lets you see doctors and other health professionals who participate in its provider network. If your doctor is already in network, it could be a good option because you tend to pay less out-of-pocket with in-network doctors.<\/li><li>PPO\u00a0(Preferred Provider Organization plan): Covers both in- and out-of-network providers, giving you the freedom to choose any doctor that accepts Medicare assignment, which can work if you prefer that kind of flexibility.<\/li><li>PFFS\u00a0(Private Fee-for-Service plan): The plan determines how much it will pay providers and how much you must pay when you get care. The treating doctor has to accept the plan\u2019s payment terms and agree to treat you. If the doctor doesn\u2019t agree to those terms, then the PFFS plan will not cover services through that doctor.<\/li><li>SNP\u00a0(Special Needs Plans): Are especially for people who have certain special needs. The three different SNP plans cover Medicare beneficiaries living in institutions, those who are dual-eligible for Medicaid and Medicare, and those with chronic conditions such as diabetes, End Stage Renal Disease (ESRD), or HIV\/AIDS. This type of plan always includes prescription drug coverage.<\/li><li>HMO-POS (Health Maintenance Organization &#8211; Point of Service plan): Covers both in- and out-of-network health services, but at different rates. You pay less out-of-pocket when you go to in-network doctors, labs, hospitals, and other health care providers.<\/li><li>MSA (Medical Savings Account plan): Includes both a high deductible and a bank account to help you pay that deductible. The amount deposited into the account varies from plan to plan. The money is tax-free as long as you use it on IRS-qualified medical expenses, which include the health plan&#8217;s deductible.<\/li><\/ul><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-9941759\" data-id=\"9941759\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-e0a2360 elementor-widget elementor-widget-image\" data-id=\"e0a2360\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"450\" height=\"300\" src=\"https:\/\/yourcarerep.com\/agent-clone-template\/wp-content\/uploads\/sites\/7\/Your-Care-Rep-Medicare-Advantage.jpg\" class=\"attachment-full size-full wp-image-12846\" alt=\"\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-4763145 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"4763145\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-756929b\" data-id=\"756929b\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-4371dce elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"4371dce\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-440a7d8 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"440a7d8\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-fcbd2d7\" data-id=\"fcbd2d7\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-a7cb443 elementor-widget elementor-widget-image\" data-id=\"a7cb443\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"450\" height=\"300\" src=\"https:\/\/yourcarerep.com\/agent-clone-template\/wp-content\/uploads\/sites\/7\/Your-Care-Rep-Medigap.jpg\" class=\"attachment-full size-full wp-image-12847\" alt=\"\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-76293c5\" data-id=\"76293c5\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-8af72b9 elementor-widget elementor-widget-heading\" data-id=\"8af72b9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">MediGap<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5c37e51 elementor-widget elementor-widget-text-editor\" data-id=\"5c37e51\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tA Medicare Supplement Insurance (MediGap) policy, sold by private companies, can help pay some of the health care costs that\u00a0<a class=\"glossary\" style=\"box-sizing: inherit; -webkit-font-smoothing: antialiased; margin: 0px; padding: 0px; border: 0px; font: inherit; vertical-align: baseline; text-decoration: none; outline: 0px; color: #001e63;\" title=\" &lt;\/p&gt;\n&lt;p&gt;Original Medicare is a fee-for-service health plan that has two parts: Part A (Hospital Insurance) and Part B (Medical Insurance). After you pay a deductible, Medicare pays its share of the Medicare-approved amount, and you pay your share (coinsurance and deductibles).&lt;\/p&gt;\n&lt;p&gt; \" href=\"https:\/\/www.medicare.gov\/supplement-other-insurance\/medigap\/whats-medigap.html#1389\" target=\"_blank\" rel=\"noopener noreferrer\" name=\"1389\">Original Medicare<\/a>\u00a0doesn&#8217;t cover, like co-payments, coinsurance, and deductibles.\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3a3c893 elementor-widget elementor-widget-accordion\" data-id=\"3a3c893\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-accordion\">\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-6101\" class=\"elementor-tab-title\" data-tab=\"1\" role=\"button\" aria-controls=\"elementor-tab-content-6101\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><svg class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><svg class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">CLOSED BY DEFAULT<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-6101\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"1\" role=\"region\" aria-labelledby=\"elementor-tab-title-6101\"><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-6102\" class=\"elementor-tab-title\" data-tab=\"2\" role=\"button\" aria-controls=\"elementor-tab-content-6102\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><svg class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><svg class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">More About MediGap & Plan Comparisons<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-6102\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"2\" role=\"region\" aria-labelledby=\"elementor-tab-title-6102\"><p>Some MediGap policies also offer coverage for services Original Medicare doesn&#8217;t cover, <strong>like medical care when you travel outside the U.S.<\/strong> If you have Original Medicare and you buy a MediGap policy, Medicare will pay its share of the Medicare-approved amount for covered health care costs. Then your MediGap policy pays its share.<\/p><p>A MediGap policy is different from a Medicare Advantage Plan. Those plans are ways to get Medicare benefits, while a MediGap policy only supplements your Original Medicare benefits.<\/p><p><strong>8 things to know about MediGap policies<\/strong><\/p><ol><li>You must have Medicare\u00a0<a href=\"https:\/\/www.medicare.gov\/sign-up-change-plans\/get-parts-a-and-b\/when-how-to-sign-up-for-part-a-and-part-b.html\">Part A and Part B<\/a>.<\/li><li>If you have a Medicare Advantage Plan, you can apply for a MediGap policy, but make sure you can leave the Medicare Advantage Plan before your MediGap policy begins.<\/li><li>You pay the private insurance company a monthly premium for your MediGap policy in addition to the monthly Part B premium that you pay to Medicare.<\/li><li>A MediGap policy only covers one person. If you and your spouse both want MediGap coverage, you&#8217;ll each have to buy separate policies.<\/li><li>You can buy a MediGap policy from any insurance company that&#8217;s licensed in your state to sell one.<\/li><li>Any standardized MediGap policy is guaranteed renewable even if you have health problems. This means the insurance company can&#8217;t cancel your MediGap policy as long as you pay the premium.<\/li><li>Some MediGap policies sold in the past cover prescription drugs, but MediGap policies sold after January 1, 2006 aren&#8217;t allowed to include prescription drug coverage. If you want prescription drug coverage, you can join a <a href=\"https:\/\/www.medicare.gov\/part-d\/index.html\">Medicare Prescription Drug Plan (Part D)<\/a>.<\/li><li>It&#8217;s illegal for anyone to sell you a MediGap policy if you have a <a href=\"https:\/\/www.medicare.gov\/supplement-other-insurance\/medigap\/whats-medigap.html#1366\">Medicare Medical Savings Account (MSA) Plan<\/a>.<\/li><\/ol><p><strong>MediGap policies don&#8217;t cover everything<\/strong><\/p><p>MediGap policies generally don&#8217;t cover long-term care, vision or dental care, hearing aids, eyeglasses, or private-duty nursing.<\/p><p><strong>Insurance plans that aren&#8217;t MediGap<\/strong><\/p><p>Some types of insurance aren&#8217;t MediGap plans, they include:<\/p><ul><li>Medicare Advantage Plans (like an HMO, PPO, or Private Fee-for-Service Plan)<\/li><li>Medicare Prescription Drug Plans<\/li><li>Medicaid<\/li><li>Employer or union plans, including the Federal Employees Health Benefits Program (FEHBP)<\/li><li>TRICARE<\/li><li>Veterans&#8217; benefits<\/li><li>Long-term care insurance policies<\/li><li>Indian Health Service, Tribal, and Urban Indian Health plans<\/li><\/ul><p><strong>Dropping your entire MediGap policy (not just the drug coverage)<\/strong><\/p><p>If you decide to drop your entire MediGap policy, you need to be careful about the timing. For example, you may want a completely different MediGap policy\u2014not just your old MediGap policy without the prescription drug coverage. Or you might decide to switch to a Medicare Advantage Plan that offers prescription drug coverage.<\/p><p>You must pay a late enrollment penalty when you join a new Medicare drug plan if:<\/p><ul><li>You drop your entire MediGap policy and the drug coverage wasn&#8217;t <em>creditable prescription drug coverage<\/em>, or<\/li><li>You go 63 days or more in a row before your new Medicare drug coverage begins<\/li><\/ul><p><strong>MACRA<\/strong><\/p><p>2020 brought some changes. If you become eligible for Medicare after January 1, 2020, MediGap plan C and F are no longer available to you. However, Plan N and G are excellent choices for Floridians. See the chart below.<\/p><p><img loading=\"lazy\" decoding=\"async\" class=\"alignright size-full wp-image-13231\" src=\"https:\/\/yourcarerep.com\/agent-clone-template\/wp-content\/uploads\/sites\/7\/Your-Care-Rep-Medicare-supplement-plans-comparison-chart-2023-1.webp\" alt=\"\" width=\"770\" height=\"652\" srcset=\"https:\/\/yourcarerep.com\/agent-clone-template\/wp-content\/uploads\/sites\/7\/Your-Care-Rep-Medicare-supplement-plans-comparison-chart-2023-1.webp 770w, https:\/\/yourcarerep.com\/agent-clone-template\/wp-content\/uploads\/sites\/7\/Your-Care-Rep-Medicare-supplement-plans-comparison-chart-2023-1-768x650.webp 768w\" sizes=\"(max-width: 770px) 100vw, 770px\" \/>Get your questions answered regarding which plan is best for you. Understand the differences between Plan N and Plan G.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-43e3ce9 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"43e3ce9\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-ac90df6\" data-id=\"ac90df6\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-b8ba58a elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"b8ba58a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-3f58db4 elementor-reverse-mobile elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"3f58db4\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-acd00b9\" data-id=\"acd00b9\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-bb91a03 elementor-widget elementor-widget-heading\" data-id=\"bb91a03\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Medicare Part D<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d0ab2d3 elementor-widget elementor-widget-text-editor\" data-id=\"d0ab2d3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Medicare Part D insurance is healthcare coverage that helps beneficiaries pay for prescription drugs. You can obtain Part D coverage in two different ways. If you have Part A and\/or Part B, you can enroll in a stand-alone prescription drug plan that works in conjunction with your original benefits. Or, if you have both Part A and Part B, you can enroll in an\u00a0Advantage Plan (Part C) that includes prescription drug coverage.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-146fd4e elementor-widget elementor-widget-accordion\" data-id=\"146fd4e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-accordion\">\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-2141\" class=\"elementor-tab-title\" data-tab=\"1\" role=\"button\" aria-controls=\"elementor-tab-content-2141\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><svg class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><svg class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">CLOSED BY DEFAULT<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-2141\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"1\" role=\"region\" aria-labelledby=\"elementor-tab-title-2141\"><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-2142\" class=\"elementor-tab-title\" data-tab=\"2\" role=\"button\" aria-controls=\"elementor-tab-content-2142\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><svg class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><svg class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">More About Medicare Part D<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-2142\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"2\" role=\"region\" aria-labelledby=\"elementor-tab-title-2142\"><p>According to federal law, everyone who is eligible for Part A and\/or Part B is also eligible for a prescription drug\u00a0plan. These are the two ways you can get coverage:<\/p><ol><li><strong>Prescription Drug Plan (PDP):<\/strong>This is a separate, stand-alone insurance you can buy in addition to Part A and B or a\u00a0Supplement (MediGap) insurance plan.<\/li><li><strong>Advantage Plans:<\/strong>You can combine Part A, Part B, and Part D coverage into one comprehensive plan. Many Advantage Plans include Part D, but some do not.<\/li><\/ol><p><strong>Medicare Part D<\/strong><\/p><p>Medicare Part D is a prescription drug coverage plan sold by private health insurance companies. It can be a standalone addition to Original Medicare, or it can be included in a Medicare Advantage plan. You will have to pay a monthly premium to have a Part D policy, and the plan will require you to pay other out-of-pocket costs like deductibles, copays, and coinsurance. A Medicare Savings program or\u00a0<strong>\u201c<\/strong><a href=\"http:\/\/www.medicarerights.org\/fliers\/Help-With-Drug-Costs\/Extra-Help-Chart.pdf?nrd=1\"><strong>Extra Help<\/strong><\/a><strong>\u201d<\/strong> can lower those costs if you meet eligibility requirements.<\/p><p>A Medicare prescription drug plan is a smart way to manage the cost of the medications you take now\u2014and those you may need in the future. If you\u2019re entitled to Part A and\/or enrolled in Part B of Original Medicare, you\u2019re eligible to join a Part D plan; however, when you enroll affects your effective date and premium. Our team of healthcare professionals can help you understand your eligibility and explain to you the Medicare Part D plans that are available.<\/p><p><strong>Affordable Prescription Drug Coverage for Seniors<\/strong><\/p><p>Prescription drug coverage for senior\u2019s changes at 65. Why? Because at 65, seniors are finally eligible for Medicare. It\u2019s something they\u2019ve paid into for decades while working. However, prescription drug coverage is not part of Original Medicare. Getting the prescription drug coverage, you enjoyed while working will take a little more arranging.<\/p><p><strong>Part D Plans in 2024<\/strong><\/p><p><strong>Your actual drug coverage costs will vary<\/strong>\u00a0depending on:<\/p><ul><li>Your prescriptions and whether they\u2019re on your plan\u2019s list of covered drugs (\u00a0<a href=\"https:\/\/www.medicare.gov\/drug-coverage-part-d\/costs-for-medicare-drug-coverage\">formulary<\/a>\u00a0).<\/li><li>What \u201ctier\u201d the drug is in.<\/li><li>Which drug benefit phase you\u2019re in (like whether you\u2019ve met your deductible, or if you\u2019re in the catastrophic coverage phase).<\/li><li>Which pharmacy you use (whether it offers preferred or standard cost sharing, is out of\u00a0\u00a0<a href=\"https:\/\/www.medicare.gov\/drug-coverage-part-d\/costs-for-medicare-drug-coverage\">network<\/a>\u00a0, or is mail order). Your out-of-pocket drug costs may be less at a preferred pharmacy because it has agreed with your plan to charge less.<\/li><li>Whether you get\u00a0<a href=\"https:\/\/www.medicare.gov\/drug-coverage-part-d\/costs-for-medicare-drug-coverage\">Extra Help<\/a>\u00a0paying your drug coverage costs.<\/li><\/ul><p><strong>Out-of-Pocket Threshold (TrOOP): $2,000<\/strong><\/p><p>Once you\u2019re spending on prescription drugs (including manufacturer discounts) reaches this amount, you will move to Catastrophic Coverage, where you will incur no cost for your medications until the following year.<\/p><p><strong>How to Switch Plans Each Year<\/strong><\/p><p>If you\u2019re not happy with the changes made to your Medicare Part D plan this year, you can switch prescription drug plans. In most cases, the only time you can switch your Part D plan is during\u00a0<strong>Annual Enrollment Period (AEP)<\/strong>, from October 15 to December 7. Your new plan will become effective January 1<sup>st<\/sup> of the following year.<\/p><p>If you have prescription drug coverage through an\u00a0Advantage Plan, you may also be able to switch from an\u00a0Advantage Plan to Original Medicare during the Medicare Advantage Disenrollment Period (MADP). This period occurs from January 1 to February 14 every year. You can join a prescription drug plan when you switch to Part A and Part B\u00a0during the MADP. If you make changes during the MADP, they will become effective the first day of the next month.<\/p><p>There are additional times that you may be able to change prescription drug plans, called Special Enrollment Periods (SEPs).<\/p><p><strong>Extra Help with Medicare Prescription Drug Plan Costs<\/strong><\/p><p><strong>What help can I receive?<\/strong><\/p><p>Medicare beneficiaries can qualify for Extra Help with their Medicare prescription drug plan costs. The Extra Help is estimated to be worth about $5,300 per year. To qualify for the Extra Help, a person must be receiving Medicare, have limited resources and income, and reside in one of the 50 States or the District of Columbia. Visit our information page on Extra Help qualifications.<\/p><p>You can find out if you qualify to make changes during a SEP by asking one of our License and Certified Insurance Adviser\u2019s.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-991c118\" data-id=\"991c118\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-7afdbbb elementor-widget elementor-widget-image\" data-id=\"7afdbbb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"450\" height=\"300\" src=\"https:\/\/yourcarerep.com\/agent-clone-template\/wp-content\/uploads\/sites\/7\/Your-Care-Rep-Medicare-Part-D.jpg\" class=\"attachment-full size-full wp-image-12848\" alt=\"\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-7f913ef elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"7f913ef\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-ae47faf\" data-id=\"ae47faf\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-aa7d02f elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"aa7d02f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-1fb1fe5 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"1fb1fe5\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-0a2fbc0\" data-id=\"0a2fbc0\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-212e2c6 elementor-widget elementor-widget-image\" data-id=\"212e2c6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"450\" height=\"300\" src=\"https:\/\/yourcarerep.com\/agent-clone-template\/wp-content\/uploads\/sites\/7\/Your-Care-Rep-Medicare-Extra-Help.jpg\" class=\"attachment-full size-full wp-image-12849\" alt=\"\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-1ee61c6\" data-id=\"1ee61c6\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-866bbd8 elementor-widget elementor-widget-heading\" data-id=\"866bbd8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Low Income Benefits (LIS)<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-916f295 elementor-widget elementor-widget-text-editor\" data-id=\"916f295\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Even if you don\u2019t qualify for full-LIS benefits, you could be eligible for partial-LIS benefits if your income level is at or below 150% FPL (resource limits also apply &#8211; see charts below).<\/p><p><strong>Remember<\/strong>, the LIS subsidy or Extra Help may help pay your monthly Medicare Part D plan premiums and a portion of your formulary drug costs.\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3cc7609 elementor-widget elementor-widget-button\" data-id=\"3cc7609\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/www.medicare.gov\/publications\/12203-medicare-extra-help-program.pdf\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Download Extra Help Fact Sheet<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-605b7a5 elementor-widget elementor-widget-accordion\" data-id=\"605b7a5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-accordion\">\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1011\" class=\"elementor-tab-title\" data-tab=\"1\" role=\"button\" aria-controls=\"elementor-tab-content-1011\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><svg class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><svg class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">CLOSED BY DEFAULT<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-1011\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"1\" role=\"region\" aria-labelledby=\"elementor-tab-title-1011\"><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1012\" class=\"elementor-tab-title\" data-tab=\"2\" role=\"button\" aria-controls=\"elementor-tab-content-1012\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><svg class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><svg class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">See 2024 Federal Poverty Levels<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-1012\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"2\" role=\"region\" aria-labelledby=\"elementor-tab-title-1012\"><p style=\"text-align: center;\">Click on Table for a larger preview<\/p><p><img loading=\"lazy\" decoding=\"async\" class=\"alignright size-full wp-image-13232\" src=\"https:\/\/yourcarerep.com\/agent-clone-template\/wp-content\/uploads\/sites\/7\/2024-LIS-and-MSP-Chart-1.webp\" alt=\"\" width=\"1200\" height=\"934\" srcset=\"https:\/\/yourcarerep.com\/agent-clone-template\/wp-content\/uploads\/sites\/7\/2024-LIS-and-MSP-Chart-1.webp 1200w, https:\/\/yourcarerep.com\/agent-clone-template\/wp-content\/uploads\/sites\/7\/2024-LIS-and-MSP-Chart-1-768x598.webp 768w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" \/><\/p><p>\u00a0<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-7d37998 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"7d37998\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-902b0cd\" data-id=\"902b0cd\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-beab0eb elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"beab0eb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-d23a627 elementor-reverse-mobile elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"d23a627\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-3e4503c\" data-id=\"3e4503c\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-fd832a1 elementor-widget elementor-widget-heading\" data-id=\"fd832a1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Medicare Savings Program (MSP)<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8a78214 elementor-widget elementor-widget-text-editor\" data-id=\"8a78214\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>If you meet qualifications, you may be eligible for a Medicare Savings Program (MSP) which will pay either Part A and B premiums, or Part B. While each state may have different guidelines, below are the base guidelines.<\/p><p>Below are the 3 MSPs available.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c2f7ee1 elementor-widget elementor-widget-button\" data-id=\"c2f7ee1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/yourcarerep.com\/wp-content\/uploads\/getting-help-with-your-medicare-costs.pdf\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Download Getting Help with Your Medicare Costs<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1b48f14 elementor-widget elementor-widget-accordion\" data-id=\"1b48f14\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-accordion\">\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-2861\" class=\"elementor-tab-title\" data-tab=\"1\" role=\"button\" aria-controls=\"elementor-tab-content-2861\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><svg class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><svg class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">CLOSED BY DEFAULT<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-2861\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"1\" role=\"region\" aria-labelledby=\"elementor-tab-title-2861\"><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-2862\" class=\"elementor-tab-title\" data-tab=\"2\" role=\"button\" aria-controls=\"elementor-tab-content-2862\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><svg class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><svg class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">See More on Medicare Savings Programs<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-2862\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"2\" role=\"region\" aria-labelledby=\"elementor-tab-title-2862\"><h3>2024 MSP Eligibility Standards*<\/h3><h4><strong>Qualified Medicare Beneficiary (QMB)<\/strong><\/h4><p>Gross monthly income limits: (100% Federal Poverty Level or FPL + $20**)<\/p><ul><li>Most States: $1,235 (Individual)\u00a0\u00a0\u00a0\u00a0 $1,663 (Couple)<\/li><li>Asset Limits: $9,090 (Individual)\u00a0\u00a0\u00a0\u00a0 $13,630 (Couple<\/li><\/ul><h4><strong>Specified Low-Income Medicare beneficiary (SLMB)<\/strong><\/h4><p>Gross monthly income limits: (120% Federal Poverty Level or FPL + $20**)<\/p><ul><li>Most States: $1,478 (Individual)\u00a0\u00a0\u00a0\u00a0 $1,992 (Couple)<\/li><li>Asset Limits: $9,090 (Individual)\u00a0\u00a0\u00a0\u00a0 $13,630 (Couple<\/li><\/ul><h4><strong>Qualifying Individual (QI)<\/strong><\/h4><p>Gross monthly income limits: (135% Federal Poverty Level or FPL + $20**)<\/p><ul><li>Most States: $1,660 (Individual)\u00a0\u00a0\u00a0\u00a0 $2,239 (Couple)<\/li><li>Asset Limits: $9,090 (Individual)\u00a0\u00a0\u00a0\u00a0 $13,630 (Couple<\/li><\/ul><h6>*Income limits, which are based on the FPL, change each year. New limits are typically released in either January or February and take effect January 1.<\/h6><h6>**The amounts listed above include a standard $20 income disregard. Your state may disregard other income as well. Contact your local Medicaid office or State Health Insurance Assistance Program (SHIP) for state-specific guidelines and information.<\/h6><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-ca2cf54\" data-id=\"ca2cf54\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-7d58b9f elementor-widget elementor-widget-image\" data-id=\"7d58b9f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"450\" height=\"300\" src=\"https:\/\/yourcarerep.com\/agent-clone-template\/wp-content\/uploads\/sites\/7\/Your-Care-Rep-MSP-Part-B-Assistance.jpg\" class=\"attachment-full size-full wp-image-12850\" alt=\"\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-31d5c41 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"31d5c41\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-16597ef\" data-id=\"16597ef\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-ea9bf59 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"ea9bf59\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-ad0ae0a elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"ad0ae0a\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-13b72e0\" data-id=\"13b72e0\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-db53cac elementor-widget elementor-widget-image\" data-id=\"db53cac\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"450\" height=\"300\" src=\"https:\/\/yourcarerep.com\/agent-clone-template\/wp-content\/uploads\/sites\/7\/Your-Care-Rep-Medicare-for-Veterans.jpg\" class=\"attachment-full size-full wp-image-12851\" alt=\"\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-b215b4f\" data-id=\"b215b4f\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-107adee elementor-widget elementor-widget-heading\" data-id=\"107adee\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Medicare for Veterans<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e981bf0 elementor-widget elementor-widget-text-editor\" data-id=\"e981bf0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tThere have been numerous questions asked on how Veterans can use a Medicare Advantage (MA), Medicare Advantage with Part D (MAPD) or Part D plans and how it coordinates with VA benefits.\u00a0 Keep in mind that MAPD or MA plans are\u00a0NOT\u00a0limited only to those with VA benefits.\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d9989bb elementor-widget elementor-widget-accordion\" data-id=\"d9989bb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-accordion\">\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-2281\" class=\"elementor-tab-title\" data-tab=\"1\" role=\"button\" aria-controls=\"elementor-tab-content-2281\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><svg class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><svg class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">CLOSED BY DEFAULT<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-2281\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"1\" role=\"region\" aria-labelledby=\"elementor-tab-title-2281\"><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-2282\" class=\"elementor-tab-title\" data-tab=\"2\" role=\"button\" aria-controls=\"elementor-tab-content-2282\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><svg class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><svg class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">More About Medicare for Veteran Benefits<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-2282\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"2\" role=\"region\" aria-labelledby=\"elementor-tab-title-2282\">Some beneficiaries may be receiving prescription coverage through their work (not a standalone Part D plan) and want an MA-only plan.\u00a0 Also, keep in mind that a member cannot have both the MAPD plan and a standalone Part D plan.\u00a0 If they enroll in the MAPD plan while already enrolled in a Part D plan or another MAPD plan, they will lose their previous coverage.\n<h4>How to Coordinate Benefits<\/h4>\nThe VA prospect has a choice to either enroll in the MAPD plan or using their VA benefits for care. Their VA benefits will not be conflicted, and they may choose the MAPD plan to have the choice of how and where they obtain their prescriptions.\n\nIf a veteran would like to take advantage of the MAPD plan for second options with specialist, they must get a referral from the primary physician under the plan.\n\nThey can receive all the extra benefits under the plan, not included with their VA benefits: includes Dental, Vision, Hearing, Transportation and more.\n\nEach plan offers different benefits, which is why it\u2019s best to work with an Insurance Adviser who could guide you on the best plan for your unique needs.\n\nMost plans have a free fitness facility membership and offer different services.\n\nVA members have a \u201cback up\u201d or safety net for his Medicare benefits by enrolling into a MAPD plan.\n\nVA members have choices when traveling, so they can go to any hospital in an emergency room and not try to locate a VA hospital.\n\nVA members in the MAPD plan cannot have a prescription filled by a VA Pharmacy or take a prescription from a private doctor to the VA pharmacy to be filled.\n\nIf you have further questions contact one of our license and Certified Insurance Adviser.<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-291835e elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"291835e\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-9280133\" data-id=\"9280133\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-597927c elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"597927c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-e74e5c6 elementor-reverse-mobile elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"e74e5c6\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-2fac823\" data-id=\"2fac823\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-3853755 elementor-widget elementor-widget-heading\" data-id=\"3853755\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Hospital Indemnity Insurance<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d9e8efd elementor-widget elementor-widget-text-editor\" data-id=\"d9e8efd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Hospital indemnity insurance is coverage you can add to your existing health insurance plan. This form of\u00a0<a href=\"https:\/\/www.healthmarkets.com\/supplemental-insurance-faq\/\">supplemental insurance<\/a>\u00a0pays you a predetermined benefit amount per day for each hospital confinement. They usually pay you this daily benefit amount for up to a year.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4331fa9 elementor-widget elementor-widget-accordion\" data-id=\"4331fa9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-accordion\">\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-7041\" class=\"elementor-tab-title\" data-tab=\"1\" role=\"button\" aria-controls=\"elementor-tab-content-7041\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><svg class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><svg class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">CLOSED BY DEFAULT<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-7041\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"1\" role=\"region\" aria-labelledby=\"elementor-tab-title-7041\"><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-7042\" class=\"elementor-tab-title\" data-tab=\"2\" role=\"button\" aria-controls=\"elementor-tab-content-7042\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><svg class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><svg class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">More About Hospital Indemnity Insurance<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-7042\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"2\" role=\"region\" aria-labelledby=\"elementor-tab-title-7042\"><h4>What Does It Cover?<\/h4>\nThe coverage your hospital indemnity insurance provides will depend on your plan choice. In general, most plans cover:\n<ul>\n \t<li>Hospital confinement (with or without surgery)<\/li>\n \t<li>Intensive Care Unit (ICU) confinement<\/li>\n \t<li>Critical Care Unit (CCU) confinement<\/li>\n \t<li>However, there are plans that cover even more. Some hospital indemnity coverage also includes :<\/li>\n \t<li>Outpatient surgery<\/li>\n \t<li>Continuous care<\/li>\n \t<li>Outpatient X-rays and laboratory procedures<\/li>\n \t<li>Outpatient diagnostic imaging procedures<\/li>\n \t<li>Ambulances<\/li>\n \t<li>Emergency rooms<\/li>\n \t<li>Physician office visits<\/li>\n<\/ul>\n<h4>How Much Does Hospital Indemnity Coverage Cost?<\/h4>\nThe monthly cost of a hospital indemnity plan will depend on your plan choice, age, gender, and possibly your tobacco use. For example, plans that offer fewer benefits may range from $5 to $41 per month. Plans that offer a wider range of benefits can vary anywhere from $27 all the way up to $427 per month.\n\nContact a licensed agent for exact benefits and coverage costs available in your area.\n<h4>How Much Can the Average Hospital Stay Cost You?<\/h4>\nWith a comprehensive health insurance plan, you are still responsible for co-pays and coinsurance. On top of that, you are still required to pay your annual deductible before your plan will start covering the cost of your care. Can you predict how much you\u2019ll owe without hospital indemnity insurance?\n\nA 4-year study conducted by the University of Michigan revealed that a stay in the hospital could cost you over $1,200 in out-of-pocket costs (with an employer-based health insurance plan). If you have an individual health insurance plan, you could face $1,800 in out-of-pocket costs. During this study, deductibles increased 86% and coinsurance increased 33%. If out-of-pocket costs continue to rise, you will be responsible for even more money despite your health insurance coverage.\n<h4>Are There Waiting Periods for Benefits?<\/h4>\nWaiting periods vary for hospital indemnity insurance. In general, there is a 30-day waiting period before your benefits can be used toward an illness that results in hospital confinement. However, there may not be a waiting period for accidental injuries that land you in the hospital. Make sure to ask your agent about waiting periods before purchasing a hospital indemnity insurance policy.\n<h4>How Does It Pay Out Benefits?<\/h4>\nLike most supplemental insurance plans, hospital indemnity insurance pays cash benefits. This means the benefit amount you have chosen is sent directly to you instead of to your doctor or hospital.\n<h4>Can You Add Dependents to a Hospital Indemnity Plan?<\/h4>\nIn some cases, yes. It is possible to add dependent children to some hospital indemnity plans. However, there will be an additional monthly premium per dependent.<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-ffaa669\" data-id=\"ffaa669\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-138f07f elementor-widget elementor-widget-image\" data-id=\"138f07f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"450\" height=\"300\" src=\"https:\/\/yourcarerep.com\/agent-clone-template\/wp-content\/uploads\/sites\/7\/Your-Care-Rep-Medicare-Hospital-Indemnity.jpg\" class=\"attachment-full size-full wp-image-12852\" alt=\"\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-ac56f2f elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"ac56f2f\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-384e526\" data-id=\"384e526\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-e0062ce elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"e0062ce\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-0c80fc1 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"0c80fc1\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-2c72b87\" data-id=\"2c72b87\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-222c4c0 elementor-widget elementor-widget-image\" data-id=\"222c4c0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"450\" height=\"300\" src=\"https:\/\/yourcarerep.com\/agent-clone-template\/wp-content\/uploads\/sites\/7\/Your-Care-Rep-Life-Insurance.jpg\" class=\"attachment-full size-full wp-image-12853\" alt=\"\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-b1ea4b7\" data-id=\"b1ea4b7\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-acf6580 elementor-widget elementor-widget-heading\" data-id=\"acf6580\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Life Insurance<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d77f0a8 elementor-widget elementor-widget-text-editor\" data-id=\"d77f0a8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tIf you were to die prematurely, you can make sure your family is taken care of and their needs are met. There are different options, to ensure your specific wants and needs are met. Read below your options when it comes to life insurance.\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9f56875 elementor-widget elementor-widget-accordion\" data-id=\"9f56875\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-accordion\">\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1671\" class=\"elementor-tab-title\" data-tab=\"1\" role=\"button\" aria-controls=\"elementor-tab-content-1671\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><svg class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><svg class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">CLOSED BY DEFAULT<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-1671\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"1\" role=\"region\" aria-labelledby=\"elementor-tab-title-1671\"><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1672\" class=\"elementor-tab-title\" data-tab=\"2\" role=\"button\" aria-controls=\"elementor-tab-content-1672\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><svg class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><svg class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">More About Life Insurance<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-1672\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"2\" role=\"region\" aria-labelledby=\"elementor-tab-title-1672\"><h4>Term life insurance<\/h4><p>Term life insurance is a standard insurance policy that provides coverage for a specific period of time. This means if you don\u2019t die within the term, your beneficiary doesn\u2019t get the death benefit and the policy expires. You can select a term that works best for you and common lengths for term life insurance are 10, 20, or 30 years. One of the challenges for people who purchase term life insurance is deciding how long the policy should last. You may want to have the policy last until you retire or as long as your youngest dependent will need financial support.<\/p><h4>Permanent life insurance<\/h4><p>Permanent life insurance, as the name implies, provides coverage for your entire life, as long as you continue to pay your premiums. The premium for permanent life insurance is generally more expensive than for term life, but it usually doesn\u2019t increase as you age. Permanent life insurance is also called cash-value insurance and is often considered a financial investment, because part of the premiums you pay are invested by the company that sold you the policy. These investments give you a tax-sheltered way to earn money.<\/p><p>Permanent life insurance policies have a face value and a cash value. The face value is the amount your beneficiaries receive when you die; in other words, the death benefit. The cash value is equal to the amount of premiums you have paid, plus any investment earnings. Some permanent life insurance policies guarantee growth for the cash value. Others involve more risk, which means the cash value of your policy could potentially decrease over time.<\/p><p>One advantage of permanent life insurance is that you don\u2019t pay any interest on your investment earnings, and your beneficiaries don\u2019t pay any tax on the death benefit when it is eventually paid out. In some circumstances, you can even borrow money tax free from your permanent life policy.<\/p><p>There are four types of permanent life insurance:<\/p><ul><li>Whole life<\/li><li>Universal life<\/li><li>Variable life<\/li><li>Variable universal<\/li><\/ul><h4>Term vs. Whole Life Insurance<\/h4><p>Once you decide to buy life insurance, you will be faced with a number of choices about the type of policy you should get. A life insurance comparison may be useful, especially if you\u2019re considering term vs. whole life insurance. Here\u2019s a look at the similarities and differences between these two popular types of life insurance.<\/p><h4>Understanding Term and Whole life insurance<\/h4><p>Term life insurance and whole life insurance are two of the most common types of life insurance policies, so it\u2019s important for you to come to a clear understanding of both.<\/p><p>Term life insurance provides coverage for a specific amount of time. Generally, you can select the term that works best for you, and common terms include 5, 10, 15, and 20 years. There are two main types of term life insurance: annual renewable, which starts with a low premium that then increases with age, and level premium, which has a higher but fixed premium.<\/p><p>Whole life insurance is a type of permanent life insurance, and like all permanent life insurance plans, it\u2019s designed to last a lifetime. Whole life insurance policies offer a fixed premium and a guaranteed increase in cash value through investments.<\/p><h4>Pros and Cons of Term life insurance<\/h4><p>If you\u2019re looking for protection at a more affordable price, then term life insurance may be the right choice for you. Term life insurance is the least expensive type of life insurance, and so it\u2019s particularly well-suited for young people who are looking for a policy with low monthly premiums. Term life insurance is affordable because you\u2019re only paying for the lump sum cash benefit that your designated heir receives when you pass away\u2013you\u2019re not paying the insurance company to invest and grow your money, and you\u2019re not earning any interest on your cash, as you would under a whole life insurance policy.<\/p><p>The downside of term life insurance is that your beneficiary gets nothing if you don\u2019t pass away during the term of the policy. In addition, if your policy expires and you decide to renew, you may have to pay a higher premium if your health has deteriorated.<\/p><p>The biggest advantages of whole life insurance are that you can be covered for your entire life (if you keep the policy long enough) and that your minimum cash value is guaranteed. The guarantee means that part of your cash investment is safe, and that your policy keeps value in case of a market crash. In addition, your value will increase every year, and you will most probably also receive annual dividends that are exempt from taxes. Also, your monthly premium can be fixed.<\/p><p>Another big advantage is that you can borrow against your whole life insurance policy if you suddenly find yourself in a cash crunch or need money for any personal reason.<\/p><p>A whole life insurance policy is particularly well-suited to those looking for stability and wanting secure guarantees for long-term responsibilities, like funeral expenses and a steady income for the surviving spouse.<\/p><p>The main downside of a whole life insurance policy is its higher monthly premium. In fact, according to TheSimpleDollar.com, the cost for whole life insurance can be six to eight times higher than that of term life insurance.<\/p><h4>Life Insurance for Every Life Stage<\/h4><p>As you go through life, your needs for life insurance will change as your circumstances change. If you buy life insurance when you\u2019re single, you may decide to switch to another plan once you get married or once you become a parent. In order to choose life insurance that best fits your needs at a specific point in time, it\u2019s important to understand the various life stages that you may experience, learn about adequate plans for each life stage, and get life insurance quotes for your selected plans.<\/p><h4>When You\u2019re Young and Single<\/h4><p>Even though you may think that life insurance is not necessary when you\u2019re young and single, that\u2019s often not the case. You may have debt you don\u2019t want to pass on to any living relatives who might be responsible for the debt in case of an early death or you may wish to leave a legacy\u2014a donation to a cause that stokes your passion. If you buy a permanent life insurance policy when you\u2019re young, you could enjoy lower premiums, benefit from the insurance policy\u2019s cash value, and create a financial safety net that will last your entire lifetime.<\/p><h4>The Family Life<\/h4><p>If you\u2019re a newlywed, you may be embarking on exciting adventures, like purchasing your first home, possibly changing jobs, and starting a family. However, you will need to be prepared should something happen and one of you is left alone. This is where life insurance comes in. It can help ease the financial burden brought on by the untimely and sudden death of a spouse. For example, you may want to buy term mortgage life insurance to cover your home mortgage payments, so that your spouse and children can have a roof over their heads should something happen to you.<\/p><p>Once you have children, you will also want to provide them with financial protection should something happen to you or your spouse. A family life insurance policy (term or permanent) that pays a lump sum or a regular income after your death can ensure that your children are financially protected.<\/p><h4>Business and Work<\/h4><p>If you own a business, you may want to buy life insurance to protect the company you\u2019ve built. If you were to pass away, what would happen to your company? With life insurance, you can fund a buy-sell agreement that would ensure that the remaining partners are in a position to buy your ownership stake in case of your demise. A good option in this case may be term life insurance for perhaps 20 years, where the cost of the insurance would be lower than permanent life insurance and still provide protection for your heirs and business partners.<\/p><p>A stay-at-home parent can also buy life insurance to ensure his or her loved ones are protected should something happen to them. The services a stay-at-home parent provides are costly, and hiring someone to fill that role will be become a financial burden if you\u2019re not prepared for such an eventuality. A term life insurance policy that covers the years during which the stay-at-home parent will be taking care of the children is a good choice in this specific case.<\/p><h4>Planning for your later years<\/h4><p>Most retirees want to enjoy life after they stop working, and to do that you will need to have a secure nest egg. In addition, even though your children may be grown up and financially self-sufficient, it may still be a good idea to buy\u00a0<strong>Final Expense<\/strong>\u00a0life insurance. If one spouse passes away, even at an advanced age, the remaining spouse may still live 10 or 20 years and will need to have some sort of financial security. In this case, it may be a good idea to add an annuity to your life insurance policy. An annuity could ensure that you continue to receive a stream of income once you no longer receive paychecks from work, allowing you to enjoy your retirement years and offering protection should one spouse pass away.<\/p><p>Also, be aware that even though your children are now adults and financially independent, you may have aging parents who depend on you for financial assistance. It\u2019s always a good idea to plan ahead, in case something happens to you, and your parents are suddenly left without a financial safety net. A permanent life insurance policy with a cash value can help care for your parents in case of your untimely death.<\/p><h4>Find Affordable Life Insurance for Senior Citizens<\/h4><p>While it may be less expensive to purchase a policy at a younger age, buying life insurance for senior citizens is still important. After all, the purpose of life insurance is to help protect your loved ones in the event of your passing, which often becomes more of a concern as you age. This is especially true for seniors still caring for dependents or with liquid assets.<\/p><p>Life insurance is an agreement you make with an insurance provider. In this agreement, you pay monthly premiums in exchange for a benefit amount that will be paid to your named beneficiaries if and when you pass away during the term of the policy. Depending on the type of policy you purchase, the benefit amount could help cover funeral and burial expenses or beneficiaries\u2019 finances.<\/p><h4>Do You Need Life Insurance?<\/h4><p>Before you buy a life insurance policy, it\u2019s important to know whether you\u2019ll benefit from having one or not. There are certain situations where it would be advisable to purchase a policy, such as:<\/p><ul><li>People who are making their highest earnings and saving for retirement.<\/li><li>Retirees who may lose a significant amount of income when a spouse dies.<\/li><li>Parents with dependent children.<\/li><li>Families with large, liquid estates that may be subject to an estate tax (e.g. antiques, cars, houses).<\/li><li>Owners, partners, and employees of a small business.<\/li><\/ul><p>No matter your age, if one of these situations is applicable to your current lifestyle, it is highly advisable to purchase a life insurance policy.<\/p><h4>Four General Types of Life Insurance<\/h4><p>In general, there are four types of life insurance policies that people buy: whole life, universal life, variable life, and term life.<\/p><ul><li><strong>Whole life insurance<\/strong>\u00a0provides coverage from the moment you purchase the policy until you cancel your policy or pass away. Premiums for whole life are typically fixed, and the policy maintains a cash value, which can help guarantee financial security for your loved ones.<\/li><li><strong>Universal life insurance<\/strong>\u00a0is the most flexible permanent life policy. Increase your death benefit by passing a medical examination and have your cash value earn a money market rate of interest. After money has accumulated, you have the option to alter your premium payments if there\u2019s enough money in your account to cover the costs.<\/li><li><strong>Variable life insurance<\/strong>\u00a0policy combines death protection with a savings account and allows you to invest in stocks, bonds, and mutual funds. The risk associated with this policy is if your investments don\u2019t perform well, your cash value and benefit\u00a0<a href=\"http:\/\/www.investopedia.com\/university\/insurance\/insurance8.asp\">may decrease<\/a>\u00a0\u2014 though some policies guarantee that your death benefit won\u2019t fall below a minimum level.<\/li><li><strong>Term life insurance<\/strong>\u00a0is bought to cover a certain amount of time, usually ranging from 5-30 years. Premiums are typically lower than whole life, but your policy term won\u2019t hold cash value if unused by the end of your policy term.\u00a0<a href=\"http:\/\/www.iii.org\/article\/what-are-different-types-term-life-insurance-policies\">Some term life policies<\/a>\u00a0hold the same death benefit amount if the insured dies during the term, while others decrease. Term life policies can also be convertible, allowing the insurer to change from a term life policy to a whole life policy.<\/li><\/ul><h4>Find the Right Life Insurance Policy for Senior Citizens<\/h4><p>So, which life insurance policy is best for senior citizens? You may consider taking a term life insurance policy that can be converted into a permanent policy. Term life insurance is typically more affordable, and the lower amount you pay in premiums can still help maintain your loved ones\u2019 financial security.<\/p><p>No matter which policy option you choose, life insurance for senior citizens doesn\u2019t have to be a challenge.<\/p><h4>What is final expense life insurance?<\/h4><p>Sometimes referred to as \u201cfuneral insurance,\u201d final expense life insurance is meant to cover the costs associated with funerals and burials. The costs of final expenses are ones that many seniors do not account for and without insurance can easily exceed $10,000. While the cost of a final expense life insurance policy is generally nominal, the payouts are generally between $5,000-$25,000.<\/p><h4>How does it work?<\/h4><p>Final expense life insurance requires the policyholder to name a trustworthy beneficiary who will receive the proceeds of the benefit. Like other types of life insurance, final expense policies are available as both term and permanent options. A term policy will cover you for a certain number of years whereas a permanent policy remains in effect as long as the premiums are paid. Permanent policies have the added benefit of including a cash value component, meaning cash is able to accumulate over time on a tax-deferred basis.<\/p><h4>How do I qualify?<\/h4><p>Final expense life insurance is often easier to qualify for than traditional insurance and policies are underwritten either as guaranteed or simplified issue. Guaranteed issue means that anyone can qualify and no medical questions are asked during the application process. While this type of policy generally comes with a higher premium, it is a good option for those who would not otherwise qualify for life insurance coverage due to health issues. Simplified issue policies do require some medical history during the application but a medical exam is not necessary.<\/p><h4>Why You Need Protection for Final Expenses<\/h4><h5>DID YOU KNOW\u2026?<\/h5><ul><li>Social Security pays a one-time payment of $255 to the surviving spouse if he or she was living with the deceased. *<\/li><li>Your household Social Security Income can be cut by as much as 50% with the death of a spouse.<\/li><li>Ten years ago, the average adult funeral cost was $3,000. Today, the average funeral costs between $6,000 and $15,000.<\/li><li>By the year 2020, funerals will average over $12,000 to $18,000 due to inflation.<\/li><\/ul><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-366e151 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"366e151\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-96812f2\" data-id=\"96812f2\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element 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Ins.<\/option>\n\t\t\t\t\t\t\t<\/select>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-type-textarea elementor-field-group elementor-column elementor-field-group-message elementor-col-100 elementor-field-required\">\n\t\t\t\t\t\t\t\t\t\t\t\t<label for=\"form-field-message\" class=\"elementor-field-label elementor-screen-only\">\n\t\t\t\t\t\t\t\tMessage\t\t\t\t\t\t\t<\/label>\n\t\t\t\t\t\t<textarea class=\"elementor-field-textual elementor-field  elementor-size-sm\" name=\"form_fields[message]\" id=\"form-field-message\" rows=\"4\" placeholder=\"How can we help you?\" required=\"required\"><\/textarea>\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-group elementor-column elementor-field-type-submit elementor-col-100 e-form__buttons\">\n\t\t\t\t\t<button class=\"elementor-button elementor-size-sm\" type=\"submit\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Send Message<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/button>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/form>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4447f1b elementor-widget elementor-widget-text-editor\" data-id=\"4447f1b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>By submitting this form you&#8217;ll be contacted by a licensed insurance agent.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-4c01613 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"4c01613\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-dac2172\" data-id=\"dac2172\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-b3d8624\" data-id=\"b3d8624\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Our Services Below are the services we offer.If you don\u2019t see what you need assistance with, please contact us at the form below. 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