 Long-term Care Insurance November is LTC Awareness month. This is the opportune time to ask your clients about additional insurance needs. You’re already assisting them with their Medicare Supplement and Medicare Advantage policies, as it’s still AEP, but exploring other needs to assist your clients is imperative. Who Will Benefit from Having Coverage? Medicare alone only provides skilled nursing for long-term care; therefore, offering your clients additional coverage to protect their assets is something they can only benefit from. As we age, our health costs increase and 70% of people 65 and over will require long-term care services. Many seniors feel they can rely on family members to cover health expenses, and this is not a recommended solution. The average cost of a nursing home facility is $85,000/year. If your clients can afford a policy, it’s something they should invest in. Current Average Costs
 Questions to Ask Your Clients
Carriers We Represent Mutual of Omaha, Genworth, North American, MedAmerica, John Hancock and Transamerica are just a handful of the carriers we represent who offer a range of long-term care solutions. We can guide you and assist you with the multitude of policies out there, and can recommend the best solution depending upon your clients’ needs. By Carolyn Portanova
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Effective April 1st, 2015, Mutual of Omaha Insurance Company will be issuing a 12% household discount for North Carolina and Nebraska Medicare Supplement policies. Typically they have offered a 7% household discount in the past. This is an unprecedented amount, and now is the time to offer a Plan F or a Plan G with Mutual of Omaha to your clients. For complete details regarding the household discount, click here. For access to the new North Carolina Outlines of Coverage, please click here.  Don't forget these other compelling reasons for writing a Medicare Supplement policy with Mutual of Omaha:
By Carolyn Portanova  Annual Enrollment Period (AEP) is right around the corner, and you know what that means. Your clients who are enrolled in a Medicare Advantage plan now have two options:
· They can enroll in a new Medicare Advantage plan OR · They can return to their original Medicare and purchase a Medicare Supplement plan We are here to assist you by helping you make the best decision for your clients’ needs. Whether they enroll in a new Medicare Advantage plan ore re-enroll with their current carrier (and we have a brand, new carrier here in North Carolina, Gateway Health, that is providing Dual Eligible and Special Needs plans) or their needs are best met with a new Medicare Supplement plan (Mutual of Omaha is a carrier that we hold a top 10 contract with, they have outstanding Plan F and G rates and have been offering Medicare Supplements since 1966), we are here to offer our support. Our Medicare Supplement carriers (Mutual of Omaha, Cigna, Aetna, Medico – to name a few) all have online applications that allow you to enroll your clients quickly, efficiently and anywhere you have access to an internet connection. The majority of these e-Apps are completed and turned around within three days. There is no stamp and a much shorter wait time for approval. Our Senior Solutions Marketing Managers can offer you guidance with which plans are best for your clients' geographic location, depending upon which state your clients reside in. They can help you with quotes using our online rate tool, and give you answers to questions you may have about different carriers and the benefits of the plans that are offered. October 15th is right around the corner. Now is the time to get in touch with our Marketers, get contracted with us if need be, and get your questions answered. AEP (October 15th – December 7th) is a busy time of year, as we all know, and we look forward to making it a very productive time of year for you and your practice. By Carolyn Portanova |
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