Archive for the 'Premiums' Category

GTL’s Short-Term Home Health Care Insurance

Feb. 20th 2018

GTL’s short-term home health care insurance is more affordable than most other plan of care policies and it pays benefits directly to you, regardless of any other insurance you have.

Here are some quick facts:

  • $150, $300 or $450 maximum daily benefits.
  • Prescription benefit year maximum of $300 or $600
  • $40, $80, or $120 per-day home health care aide benefits
  • Policyholder access to Ask Mayo Clinic Nureseline and Critical Illness Support
  • Home health care benefits include: speech pathology, enterostomal therapy, respirational therapy, occupational therapy, physical therapy, chemotherapy specialist, medical social services, skilled nursing care (RN), and general nursing care (LPN/LVN)

Click here to view GTL’s Short-Term Home Health Care Insurance Infographic

No Contract Signed by Anthem Blue Cross & Hartford Health Care

Oct. 1st 2017

ATTENTION: Anthem Blue Cross has not signed to renew contract with Hartford Health Care.

We are emailing to let you know that our office is aware of this update and want to ensure you that we are here to help you in any way we can. If you have an Anthem Blue Cross policy either for Medicare or otherwise (and see Hartford Health Care providers), please be aware of this important update and continue to read the e-mail below:

Last month we sent an email letting you know that Anthem Blue Cross was in contract negotiations with Hartford Hospital/ Hartford Health Care. In the past, Anthem has gone beyond the contract negotiation date on two separate occasions and both times they were resolved. We are hopeful that there will be a resolution, but in the meantime our office is here to assist you anyway we can and welcome you to reach out by calling 860-379-6700 ext 403 or 404.

Before we panic, we urge folks to wait until next week to see if there is a compromise in this negotiation process between Anthem and Hartford Hospital/Health Care. At that time, if we still have not heard of a resolution to the contract negotiations, we stand ready to assist you. Our office number is 860-379-6700 ext 403 or 404 and we will have all hands on deck to help in this matter.

Thanks for patience.


Daphne Roberson
President, Roberson Tierney & Associates, LLC

Anthem Blue Cross Contract Negotiations

Sep. 12th 2017
Anthem Blue Cross is in contract negotiations with Hartford Hospital / Hartford Health Care.  These contracts are negotiated every two years.  It is required by Medicare that a letter go out to each beneficiary that has an Anthem Contract be notified during these negotiations.  It is in our experience that the contracts usually come to an agreement typically on or close to the last day of negotiations.  
Please do not panic.  We are here for you should the contract terminate.  You can call our office and speak to one of our customer service representatives if you would like to discuss this further. 
Roberson Tierney and Associates
Insurance and Financial Services
Or click here to schedule an appointment
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SENIOR SIGNALS: Is trying to make yourself poor for Medicaid ethical?

Jul. 28th 2017

Medicare, long-term care, and money for retirement are some of the most common topics we at Roberson Tierney and Associates discuss with their clients and often go hand-in-hand. Below is a recent article from Attorney Daniel O. Tully of Kilboume & Tully, P.C. We work closely with Dan Tully and other Elder Law Attorneys to assist you in creating your protection plan. Call us at 860-379-6700 for advice and guidance you can trust!

Published: Sunday 23 July 2011 21256
Click here for PDF article.

Medicaid is a welfare program originally created to provide health care to our nation’s poor. Due to the lack of any other program, Medicaid has by default become the long-term care insurance of the middle class. Some say in order to qualify and preserve their savings, either for their healthy spouse or their children, those needing long-term care artificially impoverish themselves in order to qualify for Medicaid. Is this practice ethical?

Ron Lieber of ttre New York Times, in his article entitled “The Ethics of Adjusting Your Assets to Qualify for Medicaid” noted, “At any given moment, there is a large group of citizens who want nothing more than to make absolutely certain that they are impoverished enough to qualify, for Medicaid, sooner rather than later. Someday, you might be one of them. Whatever twists and tums the health insurance debates in Washington take, Medicaid will be at the center, and the program will probably affect you and your family more than you know. After all, if you run out of money in retirement, it is Medicaid that pays for most of your nursing home or home-based care.”

On the other hand, Randy Cohen, the former ethics columnist for The New York Times Sunday Magazine, wrote that Medicaid planning is ethical if you play within the rules. Speaking to a woman considering divorcing her second husband who has Alzheimer’s disease, he says: “What you are contemplating is not the exploitation of a legal loophole, but adherence to the regulations governing Medicaid. But you should seek legal and financial advice: besides divorce, there are other options to consider, including, for instance, transferring some assets to your children (if you have any) or protecting your assets through annuities or trusts. Done with respect for the law and compassion for your husband, such actions, divorce included, are prudent and ethical courses of action.”

It will be no surprise that I agree v/ith Mr. Cohen and not Mr. Lieber. Unfortunately, neither Congress nor the state legislatures have resolved the public policy question of how we, as a society, should pay for the long-term care of our seniors.

The result is a confusing, makeshift system of Medicare, private insurance, out-of-pocket payments, family caregivers and Medicaid, as a last resort. Medicaid has become recognized as the long-term care insurance of the middle class. Congress implicitly accepts this result through rules that protect spouses of nursing home residents and permit others to quali$r after spending down and  transferring some of their savings. To plan ahead and accelerate qualification for Medicaid is no more unethical than planning to avoid taxes. It’s just different populations doing the planning.

Some argue that Medicaid planning is unfair because Medicaid is a zero-sum game. More money spent on long-term care for middle-class seniors means less for poor children who need medical care. There’s some truth to that argument at the state level, but not at the federal level. The federal and state governments share Medicaid expenses. At the federal level, anyone who qualifies for Medicaid gets covered. At the state level, the same is true, but the states have discretion on how far they expand Medicaid to serve underinsured  populations. Lack of resources could mean narrower coverage on a state-by-state basis.

I agree wholeheartedly with Mr. Cohen’s final point: Both major parties must make changes, embracing measures to protect the assets of middle-class seniors and taxing the assets of the rich (including through the estate tax) to provide all Americans with catastrophic medical care.

Attorney Daniel O. Tully is a partner in the law firm of Kilboume & Tully, P.C., members of the National Academy of Elder Law Attorneys Inc., with offices at 120 Laurel St., Bristol (860) 583-1341.

What Are My Best Healthcare Options?

Nov. 15th 2016

As if there weren’t enough questions about healthcare and insurance, the results of the presidential election have raised new concerns about the future. Will Obamacare be eliminated, change a bit or a lot, or not at all? How does the future of healthcare in America impact its citizens?

Most questions won’t be answered for some time but there are good answers to be had now and positive steps you can take immediately to ensure you can get access to the doctors, medications, procedures, and therapies you need to live a healthy, happy life. There is no reason to put your well being on hold.

Along with a new president, 2017 will bring new changes to health insurance policies, not the least of which is an across-the-board increase in premiums. That increase can be very frustrating. Give yourself room to digest the changes that you’ll see coming from your existing provider regarding your existing plan and then take action. Education is your best friend in this area and can make a significant difference in your wallet if you choose wisely.

For example, did you know that you have choices regarding the deductible amounts for a high deductible healthcare plan or Health Savings Plan (HSA)? If you are a healthy individual who doesn’t expect to meet the deductible, it might be benefit you to choose a higher deductible and lower premium.

Of course, the devil is always in the details. You should approach your healthcare choices by first considering your needs – are you turning 50 and need a colonoscopy? Are you a woman who needs an annual mammogram? Do you have a chronic problem such as diabetes or arthritis and require a prescription? No two people are alike and there is no one best choice when it comes to selecting insurance coverage.

If you are purchasing insurance for yourself from the health exchange, insurance agents are no longer compensated by the government for their advice. Our agency among others charge $250 to review your needs and help you select the right plan. While it may be tempting to save that money, you can probably save that and more with the professional advice you can get from a certified insurance agent and can help you choose wisely.

Roberson Tierney is a professional, certified agency with decades of experience in matching our clients to the best policies in terms of benefits and premiums. We can help you by offering the answers that you need.

Identity Theft – Scam Alert! Anthem Blue Cross and Blue Shield

Apr. 21st 2016

A recent client of ours claimed to get a call from Anthem Blue Cross and Blue Shield asking for identity confirmation. THIS IS A SCAM!

Identity thieves obtain personal information and often pose as IRS, Government officials or in this case – Anthem Blue Cross and Blue Shield. Never provide personal information until verifying legitimacy. They will use your name, address and other personal information to make the call sound official.

If you receive one of these calls, do not give out any information and hang up immediately. Contact the company directly and speak to a representative to let them be aware of the phone call.

Stay alert!

Daphne Roberson
Roberson Tierney & Associates

Lowering Out of Pocket Expenses

May. 26th 2015

In the insurance industry, knowledge truly is power. The more you know about plans cover, the more you can tailor your insurance plan to suit your needs.

health expenses

Seniors couple at home measuring blood pressure. Home monitoring

For example, many people don’t know that all Medicare Advantage Plans only pay 80% of chemotherapy treatments. Usually, patients find out about this detail the hard way, when they are very ill from cancer and the side effects of treatment.

You can protect yourself by keeping current with your doctor visits, knowing your family history with cancer and being honest about the lifestyle choices you have made, such as smoking. Then, you can consider a Cancer Only Policy with premiums under $25 per month for most ages and rest assured that the treatments you need will be paid in full. Consider the ability to focus on your recovery from illness rather than recovery from debt and the power that can bring to your body’s ability to heal.

Anyone who wants protection from exposure to large hospital bills should consider this policy.

What insurance can I buy?

Feb. 10th 2015

Wrong question. The right question, the only question is, “What insurance fits my needs?” The best insurance purchases are based on the lifestyle you are leading or want to lead. There are plenty of products out there to cover your specific needs.

travel insuranceIf you love to travel, then let’s talk about travel medical insurance. Or, visit WEB to get a quote. You’ll see that you can protect your health anywhere in the world for a reasonable fee.

No matter where you are, Roberson Tierney offers full Medical Evacuation Coverage, including ground and air. Protect your health while safeguarding yourself from financially crippling medical transportation bills.

Address your dental needs with a new program that includes higher annual limits— up to $3,000—on major services with no wait on pre-existing dental conditions.

Who Can You Trust With Your Insurance Questions?

Sep. 15th 2014

You insure your health and possessions because these are the basic necessities for a good life.  Insurance is a safety net to help you if an accident or illness threatens to take away your wellbeing, the car you drive to work, or even the roof over your head.

You need to know that you can trust your insurance carrier and insurance representative to have your back.  So, how exactly do you know that you can trust the person describing a plan to you?  Why should you rely on the information you receive and make decisions today that you know will help you tomorrow when things get bad enough that you need your safety net?

A little knowledge about how today’s insurance industry operates will go a long way to explaining what a qualified insurance representative is and what she does.

A good insurance agent can accurately describe a variety of plans from a diverse set of insurance carriers.  Each carrier administers tests to verify that agents have a clear understanding of the insurance products.

Insurance agents do not have a bias for any one insurance product or insurance carrier.  The choice of coverage depends on the needs of the individual and factors such as age, income, and lifestyle help an agent recommend one insurance product over another.  The best insurance agents listen well, gather information from their clients and then describe options.

It’s a good sign when an insurance agent asks questions, or even better, asks you to help fill out a questionnaire.  That means the agent is interested in finding the right insurance product for your individual needs and will recommend a policy that is right in terms of price and coverage.

Good insurance representatives are also known by reputation.  Elder law attorneys, senior centers, and other public agencies will often endorse the better insurance agents based on track record.

Never be afraid to ask for references or to see the certifications of your insurance representative.  A good agent like Roberson Tierney wants to build a relationship on trust as much as you do.

Having trouble finding a physician?

Jul. 4th 2014

Roberson Tierney recognizes that finding a specialist is challenging because some physicians are no longer treating Medicare beneficiaries. The changes in Medicare Reimbursement Rates are prompting these doctors to make difficult business decisions. While physicians will continue to see existing patients, you may need to call several offices before finding a physician that is still accepting new Medicare patients.

To save you time and frustration, Madison or Annmarie at Roberson Tierney will be happy to prepare a list of qualified area physicians for you.

Posted by admin | in Medicare, Premiums | No Comments »