United American Foundation Signature Series Brochure UA Colorado Rates	HealthCardNow Website Agent ID: GL8139	AmeriValue Plan Brochure	CBL Critical Illness brochure (New! Available 8/2008)	Discount DentalMed Website
Worried about paying your deductible? Hospital inpatient expense policy designed to cover major medical deductibles, co-pays and co-insurance. Choose from $2,000 to $10,000 maximum benefit levels per year. Optional hospital outpatient benefit rider. Allows you to raise your  deductible on major medical insurance to save on monthly premiums.	A limited benefit, guaranteed issue health insurance program   including hospital inpatient, intensive care unit, surgery, doctor visits, ambulance, critical illness, accident medical expense, accidental death and dismemberment, plus consumer savings for many products and services as a member of America's Health Care Consumer Association (AHCCA).  Choose from Signature 300 or Signature 1000 plan to suit your needs and budget.   Limited benefit health insurance is also known as guaranteed issue health insurance, and is more affordable than basic health insurance or major medical insurance.   Please Note:  Guaranteed Issue Health Insurance provides limited benefits and is not basic health insurance or major medical coverage, and is not designed as a substitute for basic health insurance or major medical coverage.  It is best suited for those that do not qualify for major medical coverage due to health problems, or those that cannot afford higher premiums or want to choose less coverage at a lower price.  Please call us for assistance and questions.	Guaranteed Acceptance!   AmeriValuePLAN USA offers health savings, consumer savings, business savings and supplemental insurance coverage through membership in America’s Health Care Consumer Association (AHCCA)     Dental   Vision   Accident Medical   Critical Illness   Accident Disability Income   Accidental Death & Dismemberment   Emergency Rescue   Call us for more information about AmeriValuePLAN   Enroll now to  Become a Member today!	Colorado Bankers Life, Timber Ridge Series, 10 Year Renewable  Term Life Insurance with Critical Illness  Living Benefits Rider   Pays you lump sump cash benefits directly to you, upon first diagnosis, to use as you choose, for:   Cancer (invasive) 100%   Heart attack 100%   Stroke 100%   Kidney (renal failure) 100%   Major organ transplant 100%   Terminal illness 100%   Advanced Alzheimer's 100%   Loss of Independent Living 100%   Loss of limbs  100%   Major burns  100%   Paralysis  100%   Coronary bypass surgery 25%   Heart valve surgery 25%   Aortic surgery  25%   Angioplasty 10%   Death from any cause 100% (except suicide during the first two years) Wouldn't a check be better than a get well card? Use the cash for paying insurance co-pays and deductibles, living expenses, home health care, housekeeping, child care, lost income, re-training, non-covered experimental treatments, as you choose.	Discount dental plans from $79.95/year! Discount Dental and Medical Programs are NOT insurance These discount programs are available in most states and offer member discounts on dental, medical, health, vision, hearing, prescriptions, chiropractic, diabetic supplies and more. Plans vary by zip code. Enroll now to  Become a Member today!
Sample Monthly Rates, Inpatient, Male, Colorado Issue age 0-63 Age      Rate     Coverage  30      $17/$30  $5K/$10K  40      $24/$45  $5K/$10K  50      $37/$72  $5K/$10K  60    $54/$106  $5K/$10K	Signature 300 Plan Individual  $149.99/mo Family     $299.99/mo Signature 1000 Plan Individual  $249.99/mo Family     $499.99/mo	Individual Plan $59/mo Family Plan $99/mo	Sample Monthly Rates, Non-tobacco User, Issue age 18-64 Age   Rate  Coverage  30      $30  $49,719  40      $50  $47,861  50    $100  $47,053  60    $100  $22,711	Discount dental plans from $79.95/year

 

 

Colorado Long Term Care Insurance

 

Long Term Care insurance helps to protect your assets and prevent you from becoming dependent on family and friends for your care, by paying the expensive costs of your long term care at home, in adult day care, in an assisted living facility or in a nursing home.  Nursing home care now costs over $50,000 per year in most locations.  

 
Coverage may also include household chores, laundry, meal preparation, shopping, transportation, caregiver training and more.  Coverage is available for a fixed number of years or for life.   We offer long term care insurance from leading companies with features such as spousal discounts, group discounts and guaranteed rates.

 

We also offer Colorado term life and universal life insurance products which include long term care benefits so that you will receive the life insurance benefits even if you never use the long term care benefits!

 

Long term care insurance policies typically require that you need assistance or supervision with 2 or more activities of daily living (ADL's) or you have a cognitive impairment.  ADL's include:

• eating

• bathing

• dressing

• transferring

• toileting

• continence

If you are over age 50, you should include long term care planning as part of your total financial plan.  

Call Jerry Lucas in Colorado Springs for a FREE QUOTE and to discuss your long term care needs and the long term care needs of your parents, spouse or other family members.  

 

Click here for a FREE Shopper's Guide to Long Term Care.

 

Note: On February 8, 2006, President Bush signed the Deficit Reduction Act of 2005 (DRA) into law.   The DRA includes a number of significant changes to the Federal Medicaid eligibility rules, particularly regarding transferring your assets and look back periods.  You should discuss the current Medicaid eligibility rules with your advisor when planning for long term care. 

 

Health Savings Accounts (HSA) are similar to Medical Savings Accounts (MSA), and became widely available  in 2004 to anyone with a high-deductible health insurance policy that meets certain rules created by the Medicare Modernization Act recently passed by Congress.  An HSA provides a tax-advantaged way to reduce costs for health care coverage for individuals or small businesses.  

 

Archer Medical Savings Accounts (MSAs) are available for self-employed business owners and businesses with 50 or less employees, who also have a high-deductible health insurance policy. We offer these high deductible insurance policies for use with an HSA or MSA.  These high deductible policies are much less expensive than typical insurance policies, HMO or PPO health plans, saving you money.

 

To reduce your out of pocket medical and dental expenses, you can join a medical/dental discount program. Call us for more information. To reduce your out of pocket medical and dental expenses, you can join a medical/dental discount program. Call us for more information.

You pay for smaller medical expenses from your pocket, or from your HSA or MSA, and the high-deductible health policy pays for big medical expenses above your deductible.  Money you contribute to your HSA or MSA gives you a 100% tax deduction and grows tax deferred until you need it.  It may be invested in interest bearing accounts, or you can invest it in stocks, bonds, or mutual funds (see www.HSAbank.com).

Money from an HSA or MSA may be used to pay for medical care, dental, vision, long term care insurance and many other medical expenses as defined by the IRS.  Money that is not used for medical expenses can grow and may be used as additional retirement money after age 65.  Money contributed to an HSA or MSA is not forfeited if not used by the end of the year.  It is carried forward and can be used for future medical expenses or left to grow.

We can assist you in comparing your choices, selecting a qualifying insurance policy and a custodian to hold your HSA or MSA funds.

Call Jerry Lucas in Colorado Springs at (719) 591-0433 for more information on Health Savings Accounts.

(For critical illness insurance, see Colorado Bankers Life, Lifestyle Protector product listed above)

Disability Insurance

While health insurance helps to pay your medical bills, disability Insurance helps to replace your earned income if you are unable to work.  There are short term and long term disability insurance products available.  You should have a plan for how you would support yourself and your family if you become disabled, especially with a long term or a permanent disability.  If your spouse also works, could you live off only one income?  If you do not have an emergency savings fund or other source of income, you need to consider disability insurance.

One recent study listed the following leading causes of disability and the percentage of claims:

Short Term Disability

• 18 percent - Normal pregnancy
• 10 percent - Injuries (not including back)
• 8 percent - Digestive/intestinal diseases
• 8 percent - Pregnancy (complications)
• 7 percent - Reproductive/urinary system diseases

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Please Note:  Life, health and long term care insurance are offered to Colorado residents only, by Jerry Lucas, dba Advisor Insurance Services, a licensed insurance agent in Colorado Springs.  Discount health and dental programs are NOT insurance and are available to residents in most states.  Limited benefit medical insurance plans are not a substitute for major medical insurance plans. We recommend that you purchase adequate insurance to protect you from catastrophic financial risks.

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