by JT Gutcheon | Oct 29, 2017 | Uncategorized
PBI Insurance – Medicare Insurance Specialists
When you have questions about Medicare in greater Hartford, talk to the Medicare Insurance specialists at PBI. We have been helping individuals just like you understand the Medicare enrollment process. When you have questions about Medicare and Medicare Supplemental Insurance, go to PBI Insurance for answers! PBI provides clients with affordable healthcare coverage to individuals who have reached the age of 65. We are proud to personally meet with individuals to educate and guide them through the Medicare enrollment process. Whether you are an active member of the workforce or a retiree, PBI can provide Medicare coverage to suit your health care needs. Our professionals provide personal and detailed consultations to help determine which Medicare Plan is best suited for you. If you have questions about Medicare parts A, B, C, or D, or would like to explore your Medicare Supplemental Insurance options, call our helpful staff for a consultation.
BASIC MEDICARE INSURANCE
- Medicare Part A is hospital insurance, and helps cover inpatient hospital care, skilled nursing facility care, hospice care, and home health care.
- Medicare Part B, or Medical Insurance, helps cover services from doctors and other health care providers, outpatient care, home health care, durable medical equipment, and some preventive services.
- Medicare Part C, or Medicare Advantage Plan is run by Medicare-approved, private insurance companies. Medicare Advantage includes all the benefits and services covered under Part A and Part B, may cover extra benefits and services for an added cost, and usually includes prescription drug coverage (Medicare Part D).
- Medicare Part D is prescription drug coverage.
- With Medicare you get to choose the coverage you want. Original Medicare includes part A and Part B coverage. For prescription drug coverage, you must join a separate Part D plan. Or you may choose to join a Medicare Advantage Plan, where you will get your Part A and Part B coverage from this plan, not from Original Medicare. Medicare Advantage may include prescription drug coverage.
Call PBI for Medicare Insurance
PBI provides Medicare Plans for individuals through many highly recognized carriers, including:
• AARP
• Aetna
• Anthem Blue Cross and Blue Shield
• ConnectiCare
• United Healthcare
MEDICARE SUPPLEMENTAL INSURANCE – MEDIGAP
Medicare is a federal health insurance program for Americans who are age 65 or older, younger people with disabilities, and those of any age suffering from permanent kidney damage. Medicare coverage is the same for people who qualify based on disability as for those who qualify based on age. For those who are eligible, the full range of Medicare benefits are available. Coverage includes certain hospital, nursing home, home health, physician, and community-based services.
Medicare Supplemental Insurance (Medigap) plans are divided into Plans A through N. Anyone with this Medigap coverage will be accepted anywhere in the country that takes Medicare. Not all insurance carriers offer every plan, but all plans are identical. These plans only differ by the monthly premium charged by each insurance carrier. The first step in choosing your Medigap policy is to decide on the benefits you need and want while considering your current and future health care needs. You must already have Medicare parts A and B. If you have a Medicare Advantage Plan, you should make sure you can leave that plan before your Medigap policy goes into effect. At PBI we shop the market and get the lowest premium for your Medicare supplemental insurance policy. We will do our best to tailor a plan that is right for you.
by JT Gutcheon | Oct 15, 2017 | Uncategorized
Long-term Care Planning
There is no time like the present to initiate the discussion about long term care planning, especially if you are near retirement age. PBI Insurance can answer all your questions about long-term care. A 2013 Public Opinion Strategies poll found that 65% or Americans surveyed have made no long-term care plans at all. According to the U.S. Department of Health and Human Services, 70% of those over 65 will need some sort of long-term care during their lifetimes. Opening up a dialog about your long-term care options is the first step. It is also important to understand what your financial burden will be with the options before you, and how to qualify for and receive benefits with which to pay for needed services. Long-term care describes a person’s medical needs and non-medical personal care. Care can be provided from a number of different sources, from friends and family members to paid home assistance to nursing facilities. Most Long term care in the U.S. occurs in the home, not in a nursing home.
Medicare and Medicaid are federal programs that pay for portions of medical or non-medical care. With Medicaid – the payor of last resort for those with no assets – there are strict financial eligibility requirements associated with these programs that vary from one state to another. Medicaid planning can be complex and challenging, and we strongly advise you consult a professional who can work through the eligibility requirements with you. Private long term care insurance is an option open to those who are able to afford it. There are many types of long term care insurance with a wide variety of benefits. Veterans Administration Benefits also provide a home care/assisted living benefit, usually available to veterans and their spouses. Again, you must meet certain criteria to qualify for VA benefits.
PBI is your one stop resource for employee benefits, individual health insurance, medicare plans, life insurance, long-term care planning, and tax preparation. PBI Insurance provides group benefits to employers as well as individual clients. At PBI Insurance, we will be happy to meet with you to talk about your options for long-term care. We have offices in West Hartford and Hamden for your convenience.
by JT Gutcheon | Sep 17, 2017 | Uncategorized
Be Confident about your Retirement with PBI Financial Group
You will be pleased to learn that we have first rate financial advisors here at PBI. It is never too early to speak to an advisor about planning for your retirement, planning for your child’s future college tuition, or getting help selecting the best stock portfolio that get you the returns you are looking for. PBI Insurance offers personal and group financial planning and investment services through the PBI Financial Group. The PBI financial advisor representatives are licensed and certified, and are very knowledgeable about the products and services they offer. At PBI our personal approach results in enduring and long lasting relationships. We only make recommendations to clients that we would accept for ourselves.
Our Investment Professionals provide:
· Financial Planning and Brokerage
· Investment Advice and Strategies
· Investment Selection
· Financial Counseling
· Retirement Plans
· College Planning
With Our PBI Financial Services, we are fully committed to our clients. We are goal-oriented and proactive with each of our clients. We arrange unsolicited personal portfolio reviews on an ongoing basis. We are readily available and responsive to our clients. Your call is always greeted by one of our professional and courteous staff members. We provide excellent follow-up service so that you will have no hesitation referring us to other individuals. We will pursue continuing education and professional development in order to maintain the skills and credentials necessary to provide our clients with the best service. At PBI, all your financial needs are under one roof. Learn more at our PBI Financial Group website. Come in to our West Hartford office to see what we can do for your future.
by JT Gutcheon | Sep 3, 2017 | Uncategorized
Long-term Care Planning
PBI Insurance would like you to know that it is important to open a dialog about long-term care with your spouse and your family. A 2013 Public Opinion Strategies poll found that 65% or Americans surveyed have made no long-term care plans at all. According to the U.S. Department of Health and Human Services, 70% of those over 65 will need some sort of long-term care during their lifetimes.
Long-term care describes a person’s medical needs and non-medical personal care. Care can be provided from a number of different sources, from friends and family members to paid home assistance to nursing facilities. Most Long term care in the U.S. occurs in the home, not in a nursing home. Opening up a dialog about your long-term care options is the first step. It is also important to understand what your financial burden will be with the options before you, and how to qualify for and receive benefits with which to pay for needed services.
Medicare and Medicaid are federal programs that pay for portions of medical or non-medical care. With Medicaid – the payor of last resort for those with no assets – there are strict financial eligibility requirements associated with these programs that vary from one state to another. Medicaid planning can be complex and challenging, and we strongly advise you consult a professional who can work through the eligibility requirements with you. Private long term care insurance is an option open to those who are able to afford it. There are many types of long term care insurance with a wide variety of benefits. Veterans Administration Benefits also provide a home care/assisted living benefit, usually available to veterans and their spouses. Again, you must meet certain criteria to qualify for VA benefits.
PBI is your one stop resource for employee benefits, individual health insurance, medicare plans, life insurance, long-term care planning, and tax preparation. PBI Insurance provides group benefits to employers as well as individual clients. At PBI Insurance, we will be happy to meet with you to talk about your options for long-term care. We have offices in West Hartford and Hamden for your convenience.
by JT Gutcheon | Aug 20, 2017 | Uncategorized
PBI Insurance – Medicare Insurance Specialists in West Hartford CT
When you have questions about Medicare and Medicare Supplemental Insurance, go to PBI Insurance for answers! PBI specializes in Medical Insurance, and our services range from consulting on the Affordable Care Act to Medicare Supplemental Insurance. PBI provides clients with affordable healthcare coverage to individuals who have reached the age of 65. We are proud to personally meet with individuals to educate and guide them through the Medicare enrollment process. Whether you are an active member of the workforce or a retiree, PBI can provide Medicare coverage to suit your health care needs. Our professionals provide personal and detailed consultations to help determine which Medicare Plan is best suited for you. If you have questions about Medicare parts A, B, C, or D, or would like to explore your Medicare Supplemental Insurance options, call our helpful staff for a consultation.
BASIC MEDICARE INSURANCE
- Medicare Part A is hospital insurance, and helps cover inpatient hospital care, skilled nursing facility care, hospice care, and home health care.
- Medicare Part B, or Medical Insurance, helps cover services from doctors and other health care providers, outpatient care, home health care, durable medical equipment, and some preventive services.
- Medicare Part C, or Medicare Advantage Plan is run by Medicare-approved, private insurance companies. Medicare Advantage includes all the benefits and services covered under Part A and Part B, may cover extra benefits and services for an added cost, and usually includes prescription drug coverage (Medicare Part D).
- Medicare Part D is prescription drug coverage.
- With Medicare you get to choose the coverage you want. Original Medicare includes part A and Part B coverage. For prescription drug coverage, you must join a separate Part D plan. Or you may choose to join a Medicare Advantage Plan, where you will get your Part A and Part B coverage from this plan, not from Original Medicare. Medicare Advantage may include prescription drug coverage.
Call PBI for Medicare Insurance
PBI provides Medicare Plans for individuals through many highly recognized carriers, including:
• AARP
• Aetna
• Anthem Blue Cross and Blue Shield
• ConnectiCare
• United Healthcare
MEDICARE SUPPLEMENTAL INSURANCE – MEDIGAP
Medicare is a federal health insurance program for Americans who are age 65 or older, younger people with disabilities, and those of any age suffering from permanent kidney damage. Medicare coverage is the same for people who qualify based on disability as for those who qualify based on age. For those who are eligible, the full range of Medicare benefits are available. Coverage includes certain hospital, nursing home, home health, physician, and community-based services.
Medicare Supplemental Insurance (Medigap) plans are divided into Plans A through N. Anyone with this Medigap coverage will be accepted anywhere in the country that takes Medicare. Not all insurance carriers offer every plan, but all plans are identical. These plans only differ by the monthly premium charged by each insurance carrier. The first step in choosing your Medigap policy is to decide on the benefits you need and want while considering your current and future health care needs. You must already have Medicare parts A and B. If you have a Medicare Advantage Plan, you should make sure you can leave that plan before your Medigap policy goes into effect. At PBI we shop the market and get the lowest premium for your Medicare supplemental insurance policy. We will do our best to tailor a plan that is right for you.
by JT Gutcheon | Jul 23, 2017 | Uncategorized
GROUP HEALTH – EMPLOYEE BENEFITS – MEDICARE SUPPLEMENTAL INSURANCE
Connecticut Companies that offer employee benefit packages in greater New Haven want to offer the best group health plans. Why spend days shopping around on your own when you can call the experts at PBI Insurance. The experienced staff at PBI will work with you to select the coverage you want to offer in your company benefits package. We can save you time and money on your group medical and group dental plans.
How does your employee health benefit package look to a prospective employee? A significant percentage of job applicants state that a company’s group benefits package is of high importance when choosing between employers. Whether you would like to create a top-shelf employee benefits package to keep and attract the best, or you desire a modest package, call the experts at PBI Insurance. The choices a company makes when fashioning a group benefits package tells your employees what you value as a company. Select a benefits package that shows your employees that they are valued. If you are seeking an employee benefit plan that provides cost savings and exceptional level of benefits, PBI will develop a detailed cost/benefit proposal tailored to the needs of your company.
Our full range of employee benefit plans includes Group Medical and Dental, Short Term/Long Term Disability, Group Life and AD&D, Retirement Plans, Voluntary Ancillary Products, Individual Health and Medicare Products. PBI Insurance has two offices in Connecticut serving greater New Haven and greater Hartford Connecticut. In terms of friendliness and competence, PBI is your best choice for finding health insurance plans. Our expertise and how we approach working with clients is second to none, and we are known across the state for our outstanding reputation. We are happy to work with clients face to face or over the phone to help find the best health insurance for their needs and budget.
PBI Insurance provides business and individual services for life insurance, medicare plans, tax preparation, long-term care planning. We can meet all your company insurance needs under one roof. At PBI we understand the challenges facing businesses and non-profit organizations to provide competitive and affordable employee benefits plans. As a trusted source for these types of plans, you can rely on our knowledge, expertise, and experience to put the best possible alternatives in place for you and your employees; including plan strategy and design, marketplace analysis and review, carrier and product evaluation, and employee communications. If you have any questions about health insurance, please don’t hesitate to give us a call 860-233-1171. Our knowledgeable staff is happy to help as much as possible with any health insurance questions or needs you have.
