Life insurance at rates 70% off in Superior Wisconsin

Well, kind of.

According to LIMRA (LIMRA is an association that provides research, consulting, and other services to insurance and financial services companies, worldwide). The most commonly cited reason for NOT purchasing life insurance, or more, is that people (63%) think that it is too expensive. But here’s the kicker. According to LIMRA’s recent Life Happens study, consumers overestimate the cost of life insurance by nearly three-fold!

Since I've been in the insurance business now for awhile, I have built my business on referrals because people like what I have to offer and my style of offering it I guess. But everyday I'm still on the phones, and meeting people face to face, letting them know that I can help them because most people aren't experts with insurance. Hopefully they are experts in what they do every day, like truck driving, roofing, doctoring, selling, etc. But because insurance is usually "out of sight and out of mind" until they need it or see someone else you does, I'm glad to make my self available. It's statistics like this one that tells me that people want and need my products! 

Using LIMRA's statistic, take what you think life insurance will cost, minus 70% from that, and contact an agent (me or someone else who is knowledgeable) to get the facts… and protection you need for your family. You'll be pleasantly surprised how affordable it truly is! 

Make it a great day! 

Terry Scott 

Insurance Agent

Terry Scott is a licensed Life and Health Agent in MN and WI. He is a part of an organization with over 3,000 professional agents across the USA; each who offer free consultations. He will gladly put you in touch with any of them in your area at your request.  

What is the Preventative Care for Children in the Affordable Care Act?

In separate posts, I've listed the covered preventative services for Adults and Women (specifically; yes women are different than "Adults" at least in this case). Note that Oral care and Vision are included for children but as adults, you'll need to go elsewhere (as an agent, I can help you with that). 

Here I am listing the 26 covered preventative services in the Affordable Care Act for children; they are.

1. Alcohol and Drug Use assessments for adolescents
2. Autism screening for children at 18 and 24 months
3. Behavioral assessments for children of all ages
   Ages: 0 to 11 months, 1 to 4 years, 5 to 10 years, 11 to 14 years, 15 to 17 years.
4. Blood Pressure screening for children
   Ages: 0 to 11 months, 1 to 4 years, 5 to 10 years, 11 to 14 years, 15 to 17 years.
5. Cervical Dysplasia screening for sexually active females
6. Congenital Hypothyroidism screening for newborns
7. Depression screening for adolescents
8. Developmental screening for children under age 3, and surveillance throughout childhood
9. Dyslipidemia screening for children at higher risk of lipid disorders
   Ages: 1 to 4 years, 5 to 10 years, 11 to 14 years, 15 to 17 years.
10. Fluoride Chemoprevention supplements for children without fluoride in their water source
11. Gonorrhea preventive medication for the eyes of all newborns
12. Hearing screening for all newborns
13. Height, Weight and Body Mass Index measurements for children
    Ages: 0 to 11 months, 1 to 4 years, 5 to 10 years, 11 to 14 years, 15 to 17 years.
14. Hematocrit or Hemoglobin screening for children
15. Hemoglobinopathies or sickle cell screening for newborns
16. HIV screening for adolescents at higher risk
17. Immunization vaccines for children from birth to age 18 —doses, recommended ages, and recommended populations vary:
    • Diphtheria, Tetanus, Pertussis
    • Haemophilus influenzae type b
    • Hepatitis A
    • Hepatitis B
    • Human Papillomavirus
    • Inactivated Poliovirus
    • Influenza (Flu Shot)
    • Measles, Mumps, Rubella
    • Meningococcal
    • Pneumococcal
    • Rotavirus
    • Varicella
      Learn more about immunizations and see the latest vaccine schedules.
18. Iron supplements for children ages 6 to 12 months at risk for anemia
19. Lead screening for children at risk of exposure
20. Medical History for all children throughout development
    Ages: 0 to 11 months, 1 to 4 years, 5 to 10 years, 11 to 14 years, 15 to 17 years.
21. Obesity screening and counseling
22. Oral Health risk assessment for young children
    Ages: 0 to 11 months, 1 to 4 years, 5 to 10 years.
23. Phenylketonuria (PKU) screening for this genetic disorder in newborns
24. Sexually Transmitted Infection (STI) prevention counseling and screening for adolescents at higher risk
25. Tuberculin testing for children at higher risk of tuberculosis
    Ages: 0 to 11 months, 1 to 4 years, 5 to 10 years, 11 to 14 years, 15 to 17 years.
26. Vision screening for all children

What Preventative Care is covered (specifically) for Women with ACA?

The Affordable Care Act covers specific Preventative Care for Women and Children (Guys, you are "in" the "Adult" Classification). I've covered the Adult Preventative Care list in a separate post and will cover the Children in another. Today we'll list what is specific to women. 

There are  22 Covered Preventive Services for Women, Including Pregnant Women

The eight new prevention-related health services marked with an asterisk ( * ) must be covered with no cost-sharing in plan years starting on or after August 1, 2012.

1. Anemia screening on a routine basis for pregnant women
2. Bacteriuria urinary tract or other infection screening for pregnant women
3. BRCA counseling about genetic testing for women at higher risk
4. Breast Cancer Mammography screenings every 1 to 2 years for women over 40
5. Breast Cancer Chemoprevention counseling for women at higher risk
6. Breastfeeding comprehensive support and counseling from trained providers, as well as access to breastfeeding supplies, for pregnant and nursing women*
7. Cervical Cancer screening for sexually active women
8. Chlamydia Infection screening for younger women and other women at higher risk
9. Contraception: Food and Drug Administration-approved contraceptive methods, sterilization procedures, and patient education and counseling, not including abortifacient drugs*
10. Domestic and interpersonal violence screening and counseling for all women*
11. Folic Acid supplements for women who may become pregnant
12. Gestational diabetes screening for women 24 to 28 weeks pregnant and those at high risk of developing gestational diabetes*
13. Gonorrhea screening for all women at higher risk
14. Hepatitis B screening for pregnant women at their first prenatal visit
15. Human Immunodeficiency Virus (HIV) screening and counseling for sexually active women*
16. Human Papillomavirus (HPV) DNA Test: high risk HPV DNA testing every three years for women with normal cytology results who are 30 or older*
17. Osteoporosis screening for women over age 60 depending on risk factors
18. Rh Incompatibility screening for all pregnant women and follow-up testing for women at higher risk
19. Tobacco Use screening and interventions for all women, and expanded counseling for pregnant tobacco users
20. Sexually Transmitted Infections (STI) counseling for sexually active women*
21. Syphilis screening for all pregnant women or other women at increased risk
22. Well-woman visits to obtain recommended preventive services*

If you have further questions about the Affordable Care Act and insurance questions in general, please leave them below. You may also leave a message at the National Message Center: 888-241-4031 or write me at: www.terscott.com/contact. 

What are the Preventative Services (For Adults) Covered by ACA?

There are 15 Covered Preventive Services for Adults (Please see other posts for Women and Children's Preventative Services). 

1. Abdominal Aortic Aneurysm one-time screening for men of specified ages who have ever smoked
2. Alcohol Misuse screening and counseling
3. Aspirin use for men and women of certain ages
4. Blood Pressure screening for all adults
5. Cholesterol screening for adults of certain ages or at higher risk
6. Colorectal Cancer screening for adults over 50
7. Depression screening for adults
8. Type 2 Diabetes screening for adults with high blood pressure
9. Diet counseling for adults at higher risk for chronic disease
10. HIV screening for all adults at higher risk
11. Immunization vaccines for adults--doses, recommended ages, and recommended populations vary:
    • Hepatitis A
    • Hepatitis B
    • Herpes Zoster
    • Human Papillomavirus
    • Influenza (Flu Shot)
    • Measles, Mumps, Rubella
    • Meningococcal
    • Pneumococcal
    • Tetanus, Diphtheria, Pertussis
    • Varicella
      Learn more about immunizations and see the latest vaccine schedules.
12. Obesity screening and counseling for all adults
13. Sexually Transmitted Infection (STI) prevention counseling for adults at higher risk
14. Tobacco Use screening for all adults and cessation interventions for tobacco users
15. Syphilis screening for all adults at higher risk

If you have further questions about the Affordable Care Act and insurance questions in general, please leave them below. You may also leave a message at the National Message Center: 888-241-4031 or write me at: www.terscott.com/contact. 

Terry Scott, Health Markets Insurance Agent - Superior, Spooner, Ashland, and Hayward Wisconsin Areas

I have been recently appointed with Health Markets and will help you through the maze of questions with the Affordable Health Care act, the HealthCare.gov site and more... all free! I am licensed in both MN and WI but at present I'm concentrating all my efforts in the state of Wisconsin.

Companies are ditching their healthcare for their employees, you need to know your options. You need to know what time of the year you need to get all of this completed ("open enrollment" is right now!)

Everyone needs to buy health insurance or get fined a penalty; yes that is right and this penalty doubles next year and is even greater the following year. But there is more to all of this. Let me answer your questions so you do things right.

Here's a video that you may appreciate CLICK HERE.

Terry Scott
Insurance Agent

Terry Scott Insurance Agent comments on Obama Care Surprise Number (?)

These are a few of my comments on the Yahoo article:

Taxes are bad enough when you know they’re coming—and much worse when they arrive unexpectedly.

As the Affordable Care Act enters its second year of operability, a key and controversial element of the plan will begin to affect several million Americans for the first time. People who didn’t have health insurance during 2014 may soon have to pay a penalty fee that starts at $95 and goes up...

Yes; it’s true and there is more to come. 

As an insurance agent licensed in Minnesota and Wisconsin, I walk my clients through their maze of questions. I must remain “impartial” to the Affordable Care Act with my main intent being that in helping my clients do what they can to protect themselves and their families within this framework.

Everyone’s situation is different and I’m getting phone calls everyday and am very busy seeing clients. If you are in Minnesota or Wisconsin, visit my website: www.HealthMarkets.com/Terry.Scott and I’ll be glad to answer any of your questions. If you reside in any other state, let me know and I’ll refer you to a colleague in your area as there are certain variations in each state.  

Please know too that anything that I state here in this blog is my opinion and not that of HealthMarkets.

Make it a great day.

Terry Scott

Insurance Agent 

PS. You can read the entire Yahoo article here. 

Be careful to get the MA type plan that you want and need; some come with a drug plan and some do not...

This blog is a courtesy and service to my insurance clients in MN/WI but also includes generic information for people in other states; everyone is welcome here and your comments and questions are welcome too. If you reside in a state other than MN/WI and would like to know of a reputable agent in your area, ask me and if I can refer someone, I will.

…………………………………..

Today I want to share something from the insurance news.

Per United Health Care (UHC). a number of their consumers are being enrolled into UnitedHealthcare Essential plans that are Medicare Advantage (“MA”) only and do not include drug coverage.  However, customers believe they have drug coverage and attempt to fill a prescription.  Once they discover the plan does not have drug coverage they consequently, submit a complaint to CMS.

Important Reminders:

The UnitedHealthcare plans that typically do not include drug coverage have the term “Essentials” in the product brand name such as the following.

o   AARP MedicareComplete Choice Essential

o   AARP MedicareComplete Essential

o   AARP MedicareComplete Plus Essential

o   UnitedHealthcare MedicareDirect Essential

These plans are great plans, but as a consumer, just be aware of what plan you are enrolling in. If you want a separate plan for drugs or to combine a drug plan, either way may suit your needs.  

·         Always check the benefit information included in the plan Enrollment Guide for final confirmation of whether drug coverage is included or not.

·         Always ask to see which plans available for in a particular market (market meaning your age, and geographical area.

.

By the way, this is a common thing to watch for regardless of which company you choose to be insured by. UHC is just being proactive here.

…………………………………….

Are you interested in saving money with your health care? Here's a smart alternative to healthcare services; programs that will save you thousands of dollars. Check out this video at http://www.nolimithc.com. "Walk in, present your card and watch your savings".