OFFERINGS

 If you’re enrolled in a Medicare Advantage Plan, Medicare services are covered through the plan and aren’t paid for under Original Medicare.  

Medicare Advantage Plans are a type of Medicare health plan offered by a private company that contracts with Medicare to provide you with all your Part A and Part B benefits. 

Medicare Advantage Plans include Health Maintenance Organizations, Preferred Provider Organizations, Private Fee-for-Service Plans, Special Needs Plans, and Medicare Medical Savings Account Plans.

 If you’re enrolled in a Medicare Advantage Plan, Medicare services are covered through the plan and aren’t paid for under Original Medicare. Most Medicare Advantage Plans offer prescription drug coverage.

 A Medigap policy is different from a Medicare Advantage Plan. Those plans are ways to get Medicare benefits, while a Medigap policy only supplements your Original Medicare benefits.  Also known as (Medigap) insurance that is sold by private companies, it can help pay some of the health care costs that Original Medicare doesn’t cover, like copayments, coinsurance, and deductibles. Some Medigap policies also offer coverage for services that Original Medicare doesn’t cover, like medical care when you travel outside the U.S. If you have Original Medicare and you buy a Medigap policy, Medicare will pay its share of the Medicare-approved amount for covered health care costs. Then your Medigap policy pays its share. A Medigap policy is different from a Medicare Advantage Plan. Those plans are ways to get Medicare benefits, while a Medigap policy only supplements your Original Medicare benefits.

 These plans (sometimes called “PDPs”) add drug coverage to Original Medicare, some Medicare Cost Plans, some Medicare Private Fee-for-Service (PFFS) Plans, and Medicare Medical Savings Account (MSA) plans. 

 Term Life Insurance provides coverage at a fixed rate of payments for a limited period of time. This insurance is often the most affordable coverage because it offers protection for a specific number of years. 

Whole Life Insurance is a type of permanent insurance that features guaranteed premiums, death benefits, and cash values. 

Universal Life Insurance provides coverage for the life of the insured while at the same time providing flexibility in premium payments and in insurance coverage. 

Final Expense insurance is coverage that is designed to give your loved ones peace of mind in handling your final expenses upon death. 

Guaranteed Issue Life Insurance is coverage with limited to no medical questions. This type of coverage has low face amount limits since the carrier has not been able to fully underwrite the insured based on your health. 

 Long term care insurance is designed to help protect your Income, Independence, and your family from the emotional stress of care-giving. In order to receive your benefits from a long term care policy, you must be unable to perform 2 of 6 activities of daily living with a letter from a medical professional stating your condition will last 90 days or more.  Bathing,  Dressing, Eating, Transferring- the ability to get in and out of bed without assistance, Toileting – the ability to get on and off the toilet or a chair without assistance), Maintaining continence (being able to control bladder and bowel functions). Cognitive impairment – Satisfies the eligibility on its own. It is when a person is a threat to themselves or others.

 Well-Life Group works with multiple carriers to offer the very best dental & vision plans on the market today. Some plans offer routine preventative while some offer much more with comprehensive benefits included. Call today to have a Well-Life Group broker assist you in finding the dental or vision plan that fits your needs and your budget. 

 Annuities are contracts between you and an insurance company that is designed to meet retirement and other long-range goals, under which you make a lump-sum payment or series of payments. In return, the insurer agrees to make periodic payments to you beginning immediately or at some future date. There are generally three types of annuities — fixed, indexed, and variable. Well-Life Group has experienced and knowledgeable brokers who have years of experience in helping clients achieve their financial goals. It is our goal to provide our clients with the most competitive annuity products on the market today while at the same time providing you with the customer service and attention you deserve.

 Indemnity Plans are designed to pay upon the occurrence of a contractually-specified event. Examples include hospital indemnity where if the insured is hospitalized that individual would receive a daily benefit for each day in the hospital. Another common indemnity plan is cancer insurance. This type of coverage may pay a lump sum benefit after being diagnosed with a cancer diagnosis or pay specific benefit amounts for various expenses that arise.Well-Life Group’s experienced & knowledgeable agents offer many various types of Indemnity plans on the market today. For more information contact us today.