Solutions for Seniors
Medicare currently covers more than 49 million people. The Centers for Medicare & Medicaid Services sets aside specific time periods when you can enroll each year.
Your Medicare Options
Part A (Hospital Care), Part B (Medical Care), Part C (Medicare Advantage)Private medical plans, Part D (Prescription Drugs)
Part A and B make up “Original Medicare.” They are administered and provided by the federal government.
Medicare is health insurance for people 65 or older
People under 65 with certain disabilities
People of any age with End-Stage Renal Disease (ESRD) (permanent kidney failure requiring dialysis or a kidney transplant)
When you choose Medicare Advantage (Part C), the plan will cover:
Medicare Part A and Part B
All the same benefits as Original Medicare and sometimes extra benefits (like hearing, vision, and dental care)
Prescription drug coverage (Part D), with most plans
Yearly limit on out-of-pocket cost for covered medical services
It is only offered through private insurance companies.
You may want to consider prescription drug coverage because it’s often a vital part of a healthcare plan.
Are health insurance policies sold by private insurance companies.
You may want to consider this if you choose Original Medicare.
They help cover medical benefits “gaps,” such as Part A and Part B deductibles and coinsurance.
They do not include Part D drug coverage-you buy that separately.
They cover visits to any doctor who accepts Medicare.
We will help you choose the right Medicare plan to meet your needs.
Medicare is a federal health insurance program for people 65 and older, and others with disabilities.
Learning how medicare works, costs, coverage limits, what options are available, and how to sign up can be time consuming and confusing.
Laying a solid foundation by understanding medicare basics, can provide confidence in choosing the right plan to fit specific needs.
Prescription drug plans are an important piece to your overall insurance plan whether you are on Medicare or purchasing a regular health insurance policy.
Making sure you have explored your options with regards to generic and/or name brand drugs coverage will help you ensure you have the right Rx plan for your needs.
Dental Insurance is equally important to Health Insurance because dental disease is still very prevalent.
Dental care is a very important part of any healthy lifestyle, but because dental insurance or dental coverage is not included as part of standard health care insurance, it is something that is often overlooked or forgotten until it is too late.
The rising cost of quality dental care means that dental insurance might be just what you and/or your family need to ensure that your teeth remain health and well cared for.
Vision coverage will reduce your out-of-pocket expenses for vision exams, eye glasses and contacts.
If you were disabled and unable to work as a result of an accident or illness, what would you and your family do for income?
Disability income insurance, which complements health insurance, can replace lost income.
Forty-three percent of all people age 40 will have a long-term (lasting 90 days or more) disability event by age 65.
Because of old age, mental or physical illness, or injury, some people find themselves in need of help with eating, bathing, dressing, toileting or continence, and/or transferring (e.g., getting out of a chair or out of bed).
These six actions are called Activities of Daily Living–sometimes referred to as ADLs.
In general, if you can’t do two or more of these activities, or if you have a cognitive impairment, you are said to need “long-term care.”
Many people think that long-term care is provided exclusively in a nursing home.
It can be, but it can also be provided in an adult day care center, an assisted living facility, or at home.
A small, affordable whole life policy specifically designed to pay for funeral expenses to help ease the financial burden placed on a family when a loved one dies.
Final expense can meet many needs including funeral and burial expenses; estate settlement costs; estate taxes; housing; income replacement; outstanding debts; etc. No medical exam required.
To find out more about these fine products:
call Jeff at 319.330.4438
At Dancer Insurance we pride ourselves in providing high quality service and insurance products to our clients. Jeffery Dancer has been working in the insurance field since 2001 and is a senior medicare specialist.
Jeffery has a passion for helping people solve problems, loves the fact that everyone is unique and takes great pride in finding the best solution at the best price to meet your needs.
He is licensed to market in the State of Iowa, Illinois, Wisconsin and Missouri and enjoys meeting people in both large and small towns. Jeffery recertifies annually in Medicare and Health insurance regulations and considers himself an expert in Medicare products and long term care insurance.