Crook Insurance

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Term Life Insurance Quote and apply Link

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Life is like riding a bicycle. To keep your balance, you must keep moving. Albert Einstein

Medicare Part D is a program that helps pay for prescription drugs for people with Medicare who join a plan that includes Medicare prescription drug coverage. There are two ways to get Medicare prescription drug coverage: through a Medicare Prescription Drug Plan or a Medicare Advantage Plan that includes drug coverage. These plans are offered by insurance companies and other private companies approved by Medicare.

A Medicare Special Needs Plans provides benefits and services to people with specific diseases, certain health care needs, or limited incomes. SNPs tailor their benefits, provider choices, and list of drugs (formularies) to best meet the specific needs of the groups they serve.

Can my employer pay for my Medicare premiums?
A: No they should not pay your bill directly. It’s best to pay your own premiums and your employer can raise your salary to offset the cost of your benefits.

What Do I Do About Medicare If I Work Past 65? If you work past 65, you might be able to delay enrolling in Medicare. It could also be the case that you need to enroll in Medicare during your normal enrollment period to avoid late penalties. The answer depends on your employer and the coverage they offer.

Medical underwriting is the process that an insurance company uses to decide, based on your medical history, whether to take your application for insurance, whether to add a waiting period for pre-existing conditions (if your state law allows it), and how much to charge you for that insurance.

What is the difference between dental insurance coinsurance and a copayment?
An office visit copayment is a fixed dollar amount or a percentage that you pay for each dentist visit or for each dental service provided. For example, with some plans you may pay a fixed amount such as $5 or $10 per visit. Other plans will charge you a percentage of the total fee - or coinsurance -- for the visit. So if your copayment is 10% and the dentist visit was $200, you would pay 10% which, in this case, would be $20.

Long Term Care is the type of care received either at home or in a facility, when someone needs assistance with activities of daily living, such as bathing and dressing due to an accident, an illness or advancing age.