What Do You Know?
is Part “D”?
the penalty for not applying for Medicare Part D”?
I need a Medicare Supplement along with Medicare Part “D”?
Am I paying
too much for my Medicare Supplement?
doesn’t my supplement pay the whole bill?
the open enrollment period for a Medicare supplement?
is the most popular Medicare Supplement?
a Medicare Supplement with a Deductible?
insurance company refuse to sell me a Medicare Supplement?
an Insurance Broker do?
pays the insurance broker?
the difference between an HMO and a Medicare Supplement?
is a Medicare Advantage Regional PPO?
Long Term Care?
You can receive this care in a variety of settings, including your home, an assisted living facility or a nursing home. 80% of all people receiving long term care assistance are not in nursing homes.
The national average cost of a semi-private room in a nursing home is $64,240 annually. Depending upon where you live and the type of facility that you would prefer, costs can be significantly higher.
Many people don't realize that the need for long term care can strike at any time. Statistics show that 40% of people receiving long term care services are between the ages of 18 and 64.
Medicare does not cover custodial
care.Medicare’s job is to get you well. It only pays limited amounts
for skilled nursing care following a hospital stay.
is Long Term Care Insurance?
A good policy would include home care, assisted care including Alzheimer’s facilities and nursing homes, adult day care, hospice care, home health aides, homemaker services, physical, occupational and speech therapy, in home safety devices, rental of emergency edical response devices, and respite care for your primary unpaid care giver.
Compound Inflation Coverage (Generally 5%) with no limit on the duration of benefits is desirable.
Waiver of Premium. Most companies allow you to stop paying premiums once you start receiving benefits.
2709 Ashwood, Costa Mesa, CA 92626 - Tel. (800) 652-3555 Fax (714) 557-4241
Brian Gray Insurance Services - CA License Number 0621932