MEDICARE INSURANCE

HOSPITAL INDEMNITY

LIFE INSURANCE

MAPD - PDP - SUPPLEMENT

At Bethel Insurance Group we understand the unique needs of seniors and those qualifying for Medicare through disability.  Our portfolio includes products from recognized and trusted carriers and we believe you'll like our consultative approach that matches products to your unique lifestyle. We offer personalized service and are expertly trained on Medicare topics to help you clearly understand your choices.

Medicare Advantage (MAPD)

Medicare Advantage plans combine all of your Part A (Hospital) and Part B (Medical) benefits plus emergency and urgent care. In addition, most Medicare Advantage plans offer extra coverage like vision, hearing, dental & wellness programs. Also, most Medicare Advantage plans feature fixed costs through co-payments and prescription drug coverage is usually built in.

Medicare Part D (PDP)

Enrolling in a stand alone Medicare Part D prescription drug plan is a smart way to manage a portion of your healthcare expenses.  Especially when combined with a Medicare Supplement Plan, you'll enjoy one of the most comprehensive health coverage packages that money can buy!  A Medicare Part D plan will offer some relief from the high cost of medications you take now..... and those you may need in the future.

Medicare Supplement Plans

Medicare Supplement Plans are designed to help fill the "gaps" in your Medicare Part A and B coverage. Your costs are very predictable comprised mostly of a monthly premium. There are many plans from which to choose and all are standardized. To help you understand all of your Medicare options contact us today for a comprehensive needs analysis.

HOSPITAL GAP COVERAGE

What is it? Extra coverage that pays above and beyond that of your primary insurance. When you're faced with an illness or accident, the last thing you want to worry about is your finances. And most health insurance coverage has either a deductible or co-payment that have to be paid by you. We offer a portfolio of health insurance products that pay CASH BENEFITS directly to you so you can focus on what matters most - your recovery. We don't like to over-insure our clients but we have found these supplemental products to be very affordable and in our opinion, necessary to combat the high cost of healthcare.

Hospital Indemnity:

Designed to fill some of the out-of-pocket expenses like co-payments and deductibles should you be confined to a hospital. Can also cover ambulance, short-term skilled nursing stays and more. Coverage amounts can be completely customized and cash benefits are paid directly to you so you can use the funds any way you choose.

Critical Illness: (Cancer-Heart Attack-Stroke)

According to the American Heart Association, 77.2% of males and 78.2% of females ages 60-79 have Cardiovascular Disease. Likewise, 1 in 2 men and 1 in 3 women will develop cancer in their lifetime according to The American Cancer Society. Fortunately, as medical technology improves so does the cure rate for all of these diseases. With a lump sum cash payment of up to $75,000 paid upon diagnosis your peace of mind just increased significantly! Again, since cash payments are made directly to you, you can use the money for whatever you choose, like travel expenses, mortgage payments or income replacement. And, you receive 24/7 access to 'Ask Mayo Clinic' support services!

TERM / WHOLE

You understand the ongoing expenses involved with caring for your family. What would happen if suddenly you weren't there? Buying life insurance is important but it doesn't have to be difficult. Listed below are the three main types:

Term Life:  The most straightforward and least expensive form of protection.

Whole Life:  Offers level, unchanging premiums and guaranteed protection for as long as you live.

Final Expense:  A type of whole life designed to protect your loved ones from the expenses of your own funeral.