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Medicare supplement premiums are usually locked in during the first year of the policy. After 12 months and on your policy anniversary, you may find that the insurance company has increased your monthly rates substantially from the base rate. Many carriers are enacting price increases of ten percent or more year over year and some are raising prices …

April 23, 2010

Category: Medicare Supplements

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Medicare supplement insurance Plans M and N will be available for purchase with effective dates of June 1, 2010 and beyond.  These two new plans offer attractive coverage for those willing to exchange lower monthly premiums for higher out of pocket expenses. Both M and N are cost sharing plans. The insured will be responsible for additional …

April 8, 2010

Category: Medicare Supplements

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One of the first components of the health care bill to take effect is the requirement that insurance companies provide coverage for children under age 19 who have preexisting conditions. The change is slated to take place in September of 2010 and is designed to prevent children from being excluded from their parent’s policy or a …

March 31, 2010

Category: Health Care Reform

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If you are interested in non-med term life insurance without the hassle of medical underwriting, a physical, blood-work and/or delays – there are policies available for you. Many companies now offer non-med term policies; also known as simplified issue term life insurance. These policies are appropriate for those who might be in less than perfect …

March 30, 2010

Category: Life Insurance

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Manhattan Life Insurance Company offer many types of policies, but may be best known for affordable Medicare supplement insurance coverage. Plans offered include A, B, C, D, F, G and N. They have recently lowered Plan G & N rates becoming one of the most competitive providers in many states. In most states, policies are issued on …

March 23, 2010

Category: Medicare Supplements

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You may wish to exchange your old annuity or life insurance policy for a new one for any number of reasons. Section 1035 of the I.R.S tax code allows you to do so while deferring any taxable gains in your old policy. The accumulated gains in your old policy can be transferred to a new insurance …

March 2, 2010

Category: Annuities

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The recent passing and implementation of the Medicare Modernization Act created permanent changes to the Medicare supplement plans insurance companies can offer after June 1, 2010.  All plans are still in effect for 2012. Plans A, B, C, D, F, G, K and L offer nearly the same benefits as before with Plan F now …

February 18, 2010

Category: Medicare Supplements

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As debate heats up about the rising cost of individual and family health insurance around the country, many carriers are looking at ways to reduce premiums for existing and future insureds. Anthem Blue Cross Blue Shield recently introduced new coverage options with new benefit designs in order to keep prices affordable. Our agency is proud …

February 11, 2010

Category: Health Insurance

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Ohio is one of the few states that  accesses a state inheritance tax on its residents at passing.   This tax is in addition to any Federal estate taxes that might be due and is enforced once an estate reaches countable assets of $338,333. It is not uncommon for estates to owe tens of thousands …

January 29, 2010

Category: Life Insurance, Retirement Planning

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Whether you manage a small or large number of employees, it can be a painstaking and time consuming process to obtain group health insurance quotes in Ohio. If you have a new business or are shopping for better rates on your existing plan, correctly filling out applications with several companies can be a tedious process …

January 25, 2010

Category: Group Health Insurance

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2010 Update: American Community has been placed into rehabilitation and will no longer be offering individual, family or group health insurance policies in any state. American Community will continue to provide benefits for their in-force policyholders as their financial conditions is being accessed. As of late December 2009, American Community and the Ohio Department of …

January 19, 2010

Category: Health Insurance

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With a new year comes new limits from Congress on the amounts you can deposit into your health savings account.   Contributions can be written off against your gross income and withdrawn tax free for qualified medical expenses. Minimum Plan Deductible Maximum Plan Out of Pocket 2010 Contribution Limit Age 55 and Older Catch Up …

January 14, 2010

Category: Health Insurance

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In a landscape of national health insurance companies, Medical Mutual is considered to be more of a regional insurance player.  While they have branched out to other states in the last few years, they are best known in Ohio as an individual, family and group health insurance provider.  In business since 1934, they offer products …

January 12, 2010

Category: Health Insurance

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Gerber Life is now offering Medicare supplement insurance in California. This is the same well known and well rated Gerber Insurance Company that offers life insurance to children. Gerber Medigap plans are priced quite competitively and in many areas they are the best rates available for those over age 65.  Consumers can request personal quotes from …

January 5, 2010

Category: Medicare Supplements, Retirement Planning

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As of the writing of this article, there is still no decision from Washington as to whether the COBRA health insurance subsidy will be extended for those who lost jobs or were laid off. There is talk that Congress might extend the subsidy for an additional 15 months, assuming those who qualified have not already …

December 18, 2009

Category: Health Insurance

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