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We have to compete with every other agent with the same products for your business, there will be colorful brochures, and phone calls touting the all-in-one plans and supplement plans that say they are the best – do your homework and understand what choices you have – All plan F’s are the same – remember that! Our clients rely on us to clarify what it is they know or have come to learn and allow us to provide those services. We have provided you some notes from our clients if you are concerned as to our commitment, if you do informational searches on the Internet you will probably get a call from us as well – please be sure to give us a call we have competitors who indicate that they work with or know us and deceive clients so be aware.
Be aware of the implementation of Medicare Supplement Plan M and N with co-pay structures and the proposed changes to plan G - also the elimination of Plans
H, I,J and E as of 6/1/2010. In any event will we will right on top of any changes and how they will impact your situation - it seems as these changes will bring more cost savings opportunities for our current and future clients.
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We are sure that you have received information about Medicare Advantage programs that include prescription coverage and other supplement companies trying to attract you with lower rates. We have experience with these carriers and typically choose to provide your Supplement coverage through Mutual of Omaha simply for cost savings and consistent rate increases.
The Hidden Costs of $0-premium Medicare Advantage plans you may be faced with considering plans that provide Medicare-covered benefits for little or no initial premiums, called Medicare Advantage plans. In reality, these coverage’s have out-of-pocket expenses many people don't plan for. Understand Medicare Advantage plans. Medicare pays Medicare Advantage plans to provide Medicare-covered benefits instead of Medicare providing them. Types of plans include:
- Medicare managed care plans (HMOs)
- Private Fee For Servie (PFFS)
- Preferred Provider Organization (PPO)
Depending on the type of plan, enrollees pay deductibles, co-payments and additional premiums for some benefits and/or services, benefits, premiums and costs for non-covered amounts, deductibles, etc. Compare Medicare supplements and Medicare Advantage Plans. In addition to costs, deciding factors include benefits, hospital and doctor choices, convenience, stability and quality. In many cases, a Medicare supplement and Medicare is the appropriate solution. Please feel free to contact us by mail, e-mail, and phone or visit our web search engines that will give us your personal information for review.
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Equally important heading into retirement is to have a clear path; that is not relying on hope, faith or even chance to maneuver you through the pitfalls. Retirement too many times seems to be a finish line, however with the correct preparations and planning should allow you to not miss a beat; remember that if you don’t have a plan the Federal Government does in the form of taxes and penalties – better described as the IRS. The goal is to preserve assets and retain and or transfer as much wealth to your beneficiaries as allowed under current IRS regulation. We would like to have the opportunity to discuss with you any retirement – pension or 401k rollover programs that you may have or will have access to when you retire, any under-performing or maturing CD’s, any long term care funding goals or just discuss your charted path through retirement as these things can and do change. If you have stock options the IRS has released private letter rulings describing huge tax advantages in regards to liquidating your company stock in the correct manor. There are programs that will allow you to take immediate income for life and still have the ability to grow as well as programs that would allow you to in some cases take loans against the values at little to no interest. We provide our clients with a detailed printed analysis of financial position and give you recommendations to prepare and avert most anything that life can and will offer. This is a complimentary service at no charge to you. Please feel free to give us a call so we can explore what your options are, we do an evaluation and provide you some alternatives to guide you all the way through retirement at the same standard of living that you are accustomed to and never run out of money. It is important to initially select distribution options correctly as the IRS has little compassion and private letter preparations are very costly and there is no guarantee that they will be in your favor.
Sincerely,
David A. Fliflet
Fliflet & Associates
1-877-218-8382 Toll Free
fliflet@iowatelecom.net
