American Continental
Assurant/Fortis
BCBS
Banner
Continental
Constitution
Coventry
Golden Rule
| CONTACT INFORMATION:
Ms. Renée L. Giovati
Insurance Choices of South & North Carolina
Independent Producer
PO Box 2296 Greer, SC 29652
North Carolina:
1-800-732-9202
Upstate SC:
864-879-2800
LowCountry SC:
843-693-0151
Fax: 864-879-2000
Email address:
reneeinsure21@charter.net
licensed and serving Carolina's since 1997
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John Hancock
Kanawha
Mutual Companies
Pyramid Advantage
Security Life Dental
Shenandoah
United Healthcare
United World
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| Upstate SC and NC areas (864) 879-2800 |
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DENTAL-
details about plan, cost, and online application,
click one of the 2 links below:
Over age 60 Dental Insurance PrimeStar Select:
$1000 or $2000 annual benefit
individual or husband and wife application
Under age 60
https://www.starsdental.com/Classic/ClassicOnLine.aspx?agnt=SLSM2KD2
2 plans with different waiting periods/% paid to choose from
ALL LIFE INSURANCE and LONG TERM CARE-
To receive a personal quote by phone or email for any of the following please submit information on the form at the end of this web site:
MEDICARE SUPPLEMENTS-
100% coverage, 140 days of at-home/facility care
no hospital deductible - no paperwork
husband and wife discounts may apply
any Dr. and any hospital
includes vision plan
MEDICARE ADVANTAGE PART C PFFS-
$0 monthly cost
hospital $180.00 day
Dr. $15-$30
Lab $5
Max. Out of pocket annual $3350.00
GRADED LIFE INSURANCE SENIOR BENEFIT-
Health conditions accepted, quote to age 85
FINAL EXPENSES-
Female Age 60- 64 Non Smoker $10,000 = $38.80
Male Age 60-64 Non Smoker $10,000 = $50.37
EASY QUALIFY.
Health & Hospital All Ages under age 65
online application and plan details click on link below:
http://HealthInsuranceChoicesSoNoCarolina.mymedicalquotes.com
Assurant Health Insurance
Health & Hospital All Ages under 65
online application for guaranteed issue with medical
conditions: DISCOUNT PLAN, click on link below:
http://www.corehealthinsurance.com/launch.aspx?refnumber=000003704-051-704
Corehealth
*Family*Group*Church*Individuals*
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| Low Country SC (843) 693-0151 |
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Medicare Plans & RX education:
TRADITIONAL MEDICARE SUPPLEMENT/MEDIGAP PLANS:
Turning 65? Happy Birthday! You are in open enrollment, any company, any plan is yours for the asking, 6 months from the date of Part B on your Medicare Claim Card. The two most requested plans are TRADITIONAL MEDICARE SUPPLEMENT letters "G" and "F". Yet, over 1200 satisfied seniors from Asheville to Charleston decide on letters "D" or "G". Here's why- You pay less and you get more benefits, it's that simple. All traditional plans pay the Part A hospital deductible for you, it's cost effective to pay the Part B $135 yearly out of your own pocket and be sure you have the $1600 yearly benefit of 40 days of care at home even if you may never even use it! If you have a Long Term Care Plan many times "D" or "G" saves you money by offsetting the exemption period of time. With or without LTC, coverage will be in place and ready for you if needed. After all, that is what insurance means.
An RX plan is purchased in addition to the Medicare Supplement at your discretion as there is a 1% penalty accruing without sign up.
Once open enrollment is closed (over age 65) you must qualify/answer health questions for your insurance coverage with a traditional plan. If you are now over age 65, we encourage you to fill out the form below for traditional plan or advantage plan guidance. Advantage plans will accept you in their enrollment times as long as you are not in end-stage renal disease (ESRD). Do not jump out of your 100% paid traditional coverage into a low or no premium plan believing you will save money monthly when there is a annual, maximum out of pocket cost you may not realize. Making a decision that may not be in your best interest for your current health condition after all.
MEDICARE ADVANTAGE PLAN/PFFS COVERAGE: These plans are low or no monthly premium - but you will pay a cost/price/fee - for - many services you have (private fee for service means the insurance company decides the cost of service each time you use the plan) until a yearly cost/fee, otherwise known as an annual maximum out of pocket, of $2500.00 - $6000.00 is reached per person- per contract year. Depending on where you live, which company you choose, in some counties there is no coverage: You can purchase a plan with and without prescription drug coverage MA vs. MAPD. Traditional coverage the "Medicare Supplement" may cost you $1050 per year, and you may not like it, but an advantage plan could cost you $6000.00 for one year and you surely won't like that....PLUS you may not be eligible to change back to the Traditional Medicare Plan you had. This could turn an advantage plan into a disadvantage quickly.
You must have Medicare Parts A & B for advantage plans and most plans have the Part B $135.00 deductible to pay, just like the traditional plan. These plans are especially recommended for underage 65 applicants who are already on disability or when traditional premiums top $2,500.00 annually. With governmental changes there may be other options in the future. Advantage plans may leave you with 20% costs of radiation, chemo., dialysis therapies as well as MRI and CT scans.
LONG TERM CARE PLAN: Let us shop the companies to meet your budget and have the most coverage. You already know that Nursing Home facilities are charging upwards of $3000.00 each month or you wouldn't be shopping. The at home recovery benefit in a Medicare Supplement Plan "D" or "G" offsets the LTC premium with 40 days of care so you can take a longer exemption period of time saving you on premium annually. For those with large deposit annuities or single premium life insurance plans, you may benefit with a rider that releases LTC monies as needed.
Please fill out the form below
Our agents will begin to shop our 15 carriers for the most benefits at the least monthly premium. We welcome the opportunity to meet your insurance needs and your budget.
Our goal is to make clients - not just a sale!
Should you have questions concerning a Private Fee for Service Plan vs. Medicare Supplement and/or the Part D prescription plan you can reach an agent by email right now: reneeinsure21@charter.net
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Please notify us for price comparison before changing or adding a Part D RX plan to your budget. You must notify Medicare 1-800-Medicare and/or Social Security Department at 1-800-772-1213 for changes with coverage and debits from your social security benefit monthly check.
You could have a RX stand alone plan or have RX coverage with your Advantage Plan. Some retailers are now offering certain generic medications for $4.00 each 30 days/$10 each 90 days at the counter and there is no plan required. A 1% penalty per month is enforce for those who choose to refuse this government regulated RX plan. You may sign up 3 months before and after your 65th birthdate at open enrollment time or each November 15. This gives you the opportunity to see your Dr. and make changes for new scripts. Best saving for 90 day scripts.
As of 2006 you have to select both a company and a plan. We will be representing Coventry/MEDCO. Some plans you may be comparing have a $295.00 yearly deductible to pay. The companies we chose to represent do not. Price your current medications, noting which "tier" your prescription falls under.
SOUTH CAROLINA $23.10 month plan NO deductible
NORTH CAROLINA $23.40 month plan NO deductible
Tier 1 is a level that costs $8 or less for a 30 day supply at the counter usually known as generic. 90 days $16.
Tier 2 is a level that costs $24 or less for a 30 day supply at the
counter usually known as preferred brand. 90 days $48.
Tier 3 is a level that costs $55 or less for a 30 day supply at the counter counter usually called a brand. 90 days $165.
You may pay a 60 day cost to receive a 90 day supply or use mail order.
You may apply for a new company or change a plan with same company each year November 15 thru December 31.
Age 64 open enrollment applicants apply for RX and health/hospitalization at the same time all year long.
An application can be sent directly to your email:
Any questions: Call "Renée" at 1-800-732-9202 or email:
reneeinsure21@charter.net
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