Can your client get help paying for their Part B premium?

Don’t forget about programs that might help. They may need to apply if they meet the following requirements:

• Medicare Savings Program 2013 Income Limits
• Specified Low-Income Medicare Beneficiary (SLMB) Program (Program helps pay for: Part B premiums only)
• Individual monthly income limit* $1169
• Married couple monthly income limit*$1571

Resource limits for the QMB, SLMB, and QI Medicare Savings Programs are $7,080 for one person and $10,620 for a married couple.


Go to http://www.medicare.gov/your-medicare-costs/help-paying-costs/medicare-savings-program/medicare-savings-programs.html for more information.

Mutual of Omaha - More than just another Medicare supplement company

As agents we sell two things - Trust and Like. Mutual of Omaha is a carrier your clients know they can trust and they will like their competitive rates.

Babyboomers spent years (1963-1988)  watching Mutual of Omaha's Wild Kingdom making the brand into not just a trusted insurance carrier but also a part of boomers culture.

Since they are a mutual company in their second century with billions in policyholder surplus they don't have to react to the short term goals of the stock market. That means you can offer a product from this A+ rated carrier that provides the kind of rates and coverage you and your clients can rely on.

Are your clients prepared for Medicare in 2014?

Have you helped your client make the most of Medicare in 2014 by encouraging them to schedule their preventive care visit?



For those with Medicare, the health care law offers most preventive health care services for free. Benefits include annual wellness visits, immunizations and some cancer screenings.

Special Enrollment Period

The Special Enrollment Period for discontinued plans (or Service Area Reductions) will start on December 8th and continue through February 28, 2014, with the new 2014 plan coverage beginning on the first day of the month following enrollment.

Eligibility Requirements for Medicare Covered Home Health Services

To be eligible for Medicare-covered home health services, a beneficiary must meet three requirements:

• he/she must be homebound,

• he/she must need part-time or intermittent skilled nursing care and/or skilled rehabilitation, or, after establishing prior eligibility, a continuing need for occupational therapy, and

• he/she must be under the care of a physician and need reasonable and necessary home health services that have been certified by a physician and established in a 60-day plan of care.

Why Cash is King...Hospital Indemnity Insurance

Indemnity insurance plans were one of the first health plans to ever be sold in this country. A very simple concept, if you have an illness or accident and accrue medical bills we, the insurer, will pay you a set dollar, indemnity, amount based upon the policy provisions for coverage. 

Many policies in the health insurance field today are so complicated in their benefit structure that even I, with 30+ years’ experience, have a have a hard time understanding what is covered and how much am I going to get paid. The Hospital Indemnity Policies being offered today are a classic example of knowing what you’re buying and understanding the benefits. These policies provide cash to the policyholder that can be used for any number of items after they have been confined to a hospital:

• Paying health insurance deductibles, whether underage, Medicare Advantage or Medicare Supplement.
• Paying for charges not covered by other insurance.
• Paying for relative travel and lodging to help out.
• Paying for relative travel and lodging to help out.
• Paying bills at home. 
• Paying for housekeeping while you recover.
• Etc...

Many of these policies also offer riders to pay for doctors, surgery, cancer and prescription drugs.  In most cases the cash indemnity is paid to the policyholder direct and they can then use the money as they see fit. The underwriting is minimal and premiums are affordable, starting at just a few dollars a month. Even those on a fixed budget may able to afford this coverage.

The largest medical bills that a person receives are when they end up hospitalized for illness or accident. So, why not insure that risk and make sure you have the money when you need it the most, after being confined to a hospital for illness or accident. After all, CASH IS KING!!!

(This article was written by Philip Warren of Senior Marketing Specialists.)