Health insurance for Individuals, Families, & Small business; Dental & Vision plans; Fixed Annuities; Life; Hospital, Cancer plans. No additional charge to you for my services (I'm paid by the insurance companies). You can also check out my website that is continually being updated at: JeffChristiansenInsurance.com. Below is a list of several questions, issues and concerns I'm asked about regularl
y. These are the most common questions I'm asked, and answers are not always clearly or readily available:
MEDICARE:
1 - Turning 65 and understanding your options with Medicare enrollment can be confusing. Depending on your situation, you may or may not have to enroll in Medicare.
2 - What penalties could apply if not handled correctly? Which penalties could last a lifetime? How do you avoid penalties?
3 - What if you're still working and receiving full health insurance benefits from your employer?
4 - When is the right time for you to enroll in Medicare? How much time should you allow to make sure you are enrolled at the right time?
5 - What's the difference between enrolling in your Social Security benefits and enrolling in Medicare?
6 - Why would you want an additional insurance plan to supplement or cover what Medicare doesn't cover? Can you get additional benefits with some plans that Medicare doesn't offer, at no cost to you?
7 - Why don't we use the word "free", even when you're not paying additional premiums, copayments, or coinsurance?
8 - Can you and your spouse be covered on the same plan? Does Medicare do couple's plans?
9 - What are your options for Medicare coverage if you receive Medicaid assistance from the State? Do you need both Medicaid and a Medicare plan? How do Medicaid and Medicare plans work together?
10 - Do you have to have a Part D prescription drug plan? When, and why would you choose not to have a Part D prescription drug plan?
11 - Are my doctors covered, and what is my network? Where can I go? I could list many more questions than those stated above. These are the most common that I experience. Please feel free to call me at 801-550-1800 with your questions and circumstances. DENTAL AND VISION OPTIONS:
1 - Are dental and vision benefits included in my Medicare plan?
2 - Can I buy a dental or vision plan outside of Medicare and Medicaid?
3 - When can I purchase additional dental and/or vision coverage?
4 - Do dental and vision benefits work like regular health insurance benefits?
5 - Are there waiting periods for dental benefits?
6 - Is there coverage for orthodontics?
7 - Is there coverage for dentures?
8 - Is my dentist covered? Generally, you can enroll in a new dental plan any time of the year. Enrollment is simple and usually takes less than 20 minutes. Please call me at 801-550-1800 for a "No Obligation" quote, and benefits analysis. INDIVIDUAL AND FAMILY - (On-Exchange or Obamacare, Off-Exchange when you make too much to qualify for The Marketplace):
1 - How do I figure out if I qualify for a subsidy or tax credit to help pay my monthly premium? What if I make to much money to qualify for assistance?
2 - Does it cost me more to have you as my agent?
3 - Can I purchase a plan from "The Marketplace" (Obamacare) if I have employer coverage? What if I don't like the plan/s my employer offers?
4 - What if I don't make enough annual income to qualify for a tax credit from The Marketplace?
5 - Do I have to go on CHIP or Medicaid?
6 - What income do they count to estimate my tax credit? Click on the following link to help estimate your income: https://www.healthcare.gov/income-and-household-information/
7 - Can I qualify for government assistance if I'm not a USA citizen? Can I get help in other languages? Besides my native tongue of English, I speak Spanish fluently and have many Spanish speaking clients. Yo hablo espanol, y me gustaria la oportunidad de ayudarle con sus preguntas y seguros.
8 - What if my circumstances change during the year? Can I make a change to my plan? What are my options?
9 - Can I add you as my agent to my enrollment application if I've already started it? You certainly can. I'm always happy to help though, whether or not I'm your agent. The Marketplace encourages us to have you add us to your application as your "Agent of Record". It cost you nothing extra. I can easily help you do that. Please call me at 801-550-1800 for assistance with your enrollment and other questions. SMALL GROUP INSURANCE PLANS:
1 - How do I compare staying on an individual/family plan with starting a group company plan? What are the rules? What is the cost difference? Are there tax advantages? Are there legal considerations?
2 - Can I get a group/company plan with dental, vision, group life and/or disability, an HSA (Health Savings Account) plan for my employees, and much more? Let's talk.
3 - What is an HRA (Health Reimbursement Account) and how do I decide if it is a benefit option I want to offer my employees? What are the pros and cons?
4 - Do I have good plan options? Where can I go to check out my options? Group insurance has different rules for companies depending on the number of employees. I'm happy to assist you in comparing and understanding your options? I will also help your employees with their concerns and options, depending on how you decide to structure your health insurance options. Please call me at 801-550-1800 for assistance with a group/company insurance plan. FIXED ANNUITIES:
1 - What is the difference between a "Fixed" and a "Variable" annuity?
2 - Why would I want to consider a fixed annuity?
3 - Is it true that there are fixed annuities that keep me from losing my principal?
4 - Am I limited to how much I can make (or grow) my annuity?
5 - Historically, how do fixed annuities compare with the S&P 500?
6 - Is it true that a fixed annuity will pay me for my lifetime, even if I outspend the money/value in my account?
7 - I've heard others say that fixed annuities are restrictive, complicated, and costly. No doubt, there's a lot to understand about a fixed annuity, and I'm able to help you explore your options. I believe there could be a good place in your portfolio for a fixed annuity? I thoroughly enjoy the process of teaching you your options, and seeing your expression when the light goes on about the many good benefits of a fixed annuity. There's no obligation on your part. Call me and let's put together a couple of illustrations that will help you clearly understand the benefits to you of a fixed annuity. You can reach me at 801-550-1800. LIFE INSURANCE:
There are many ways to meet your life insurance needs. It could be for just enough to cover burial expenses. You may need a large policy adequate to cover your estate tax needs. Some life insurance policies also provide excellent "Long Term Care" riders that will help if you ever need to go into longer term care. More often I encounter individuals, couples and families that are trying to find affordable, sensible ways to have enough life insurance to cover their loved one's needs in case of death. There are many viable options to consider. Whether it is a 10 to 30 year Level Term policy, a Universal life, or a Whole life policy, I have access to the top rated insurance companies and products that will meet your needs. There's no obligation to explore your options. Please call me at 801-550-1800 for assistance with your quote. NEED MORE? I don't offer every kind of insurance. If you're looking to compare your other types of insurance (home, auto, business, and more), I can refer you to excellent agents that will be able to assist you with your needs. I appreciate your consideration. For any questions or concerns, please call or text me at 801-550-1800, or email me at: [email protected].
