Seniors are finally getting snippets of the “Healthcare Reform” bill and are getting mad. At their Senators and Congressmen at town halls. But they’re also getting angry at AARP. Why? Because AARP is supporting the bill.
Mary had a medicare advantage and medicare supplement plan with Royal Neighbors. RNA is a fine company, nothing wrong with them at all but sometimes they can be a bit pricey.
You should check out the various plans to find out the details of these programs. The Medicare program details usually have 4 aspects. The first part which is also known as part A includes hospital coverage. This aspect will cover the charges of hospital as well as home medical care.
In most states (except for three), Supplemental plans are all standardized. What this means is that a Plan F from Company 1 offers the same exact benefits as a Plan F from Company 2. The only real difference is the price.
Remember that Medicare Advantage and medicare supplements can vary in price. They also can differ in benefits. It does remind you of the adage “Pay me now or pay me later”. medicare supplements are more money per month but less money usually in the long run.
There is not a single one policy fits all solution available! Do your clients a favor.Tip: If you are going to consider yourself an LTCI expert, have enough of an arsenal at your disposal.
If you want to save money and have an agent that can work on your behalf both now and later, it really is in your best interest to find a trusted brokerage.