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February 06, 2020

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Insurance Tip of the Month...

I would like to address some things that you may have questions on
WHAT HAPPENS if you have a stroke, A heart attack or are in an accident and are unable to work?

Unfortunately, no one knows when they may be facing the reality of dealing with a critical illness. When faced with a critical illness, both medical and non-medical expenses arise. These out-of-pocket expenses, such as lost wages, expenses not covered by your medical insurance, and home health care can come along during stressful times, and they can be damaging financially.   

WE offer policies that will get you through this type of situation, ask please.

MEDICARE Tip of the Month
Did you realize that most medicare advantage plans HAVE benefits for cough medicine, aspirin and other over the counter needs? Please call your provider on the back of your medicare card and ask them how you can take advantage of the FREE Over the counter allotment.

GROUP Tip of the Month
It can be hard to understand the ins and outs of health insurance. What do you look for? When do you make changes? Should you? What factors are most important? Which factors carry more weight? Whether a first time buyer or ‘repeat customer,’ stick to an evaluation plan as regimented as an annual employee review process and use a few steps to guide you to the parts of group health insurance plans you should focus on.

TRY NOT TO Let Price Guide Your Choice

Look For Limitations 

Look For Provider Freedom 

If you have any questions please feel free to contact us, we are available to you!

Explaining what type of insurance is needed is always the hardest thing I do.
IN all reality as we are going through our 'growing' years, wife/husband having children, having a mortgage, two cars, saving for college, vacations, child care etc we need MORE LIFE insurance then.(TERM)  As we reach an age closer to retirement with the kids out of college the house is pretty much paid off we need LESS life insurance. The problem lies is permanent insurance is VERY expensive...SO what to do?  AS young as possible get as much TERM as you can afford as your payments go down on household stuff you CONVERT some of that term policy to a permanent policy. (PERMANENT) 

IF you have made it over 50 with no life insurance other than work insurance then get a FINAL expense insurance plan to cover burial, any excess hospital bills etc THIS type of insurance does not go up in price. Final expense life insurance is a type of permanent life insurance where the death benefit is used to cover medical costs and other end-of-life expenses  

KATHLEEN'S Tip of the Month
1095s were mailed out as of Jan 25th. If you have not received yours via mail courier. Please let us know immediately so that we can get a duplicate copy sent ASAP. 

Requests are coming from the Marketplace and Nevada Health Link & Covered California  for income verification as well and other documents needed in order to keep subsidies. If you receive this request please let us know and send us the needed information as we will upload it on your behalf. Please pay attention to the dates as well on the information they are requesting. It is IMPERATIVE we get the documents to them at least 72 hours before the due date as they take at least 24-48 hrs. to approve them. 

Thank you
Bob & Kathleen

H. McCarty, Owner

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