Premium Lowering Strategies 2010

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Strategies to save on premiums in 2010:

• Purchase a Medicare Advantage Plan with a $0 monthly premium.

• Purchase an Hospital Indemnity plan to pay the high hospital copays.
  
  

• A 70 year old could cut premiums to a total of around $25 monthly.


Here is how it works:

• Enroll in a plan that has $0 premiums, with inpatient hospital copays of $100 for each of the first 10 days you are hospitalized.
  

• Purchase an indemnity insurance plan that pays you $100 per day for the first 10 days that you are in the hospital, for each admission.
  
  
  
  
• If you are 70 years old, the indemnity plan monthly premiums would be $14.34.
  
  
  
• Add a rider to the plan that pays for days 20-100 in a Skilled Nursing Facility for $13.48 monthly.

• Click here to see what this coverage would cost you.
  
  
• Click here to have a personalized quote emailed to you.

 

 

 

Now you have no out of pocket expenses for hospital or skilled nursing care copays. Of course these indemnity plans are medically underwritten, so you will have to answer some questions.

Here are the actual questions on one of our indemnity plan applications:

1. In the past 12 months have you been confined as an inpatient to a hospital, nursing home or have you received home health care?
2. in the past 12 months have you had a heart attack, stroke, heart surgery/bypass, malignant melanoma or cancer (other then skin cancer)?
3. In the past 12 months have you been treated for chronic obstructive lung disease, insulin dependent diabetes, dementia, Alzheimer's disease, congestive heart failure, or chronic liver or kidney disease?
4. In the past 12 months have you had surgery which required and inpatient hospital stay or been advised to have surgery which required an inpatient stay but have not yet done so?
5. Have you ever been treated for or been diagnosed by a member of the medical profession as having Acquired Immune Deficiency Syndrome (AIDS), AIDS Related Complex (ARC) or HIV infection?

So call us for more information and to see how low you can get your monthly premiums, while still keeping your out of pocket expenses minimal. 1-800-289-8376