MEDICARE SUPPLEMENT UNDERWRITING: RISKS ARE KEY
“Chris & Angie are TERRIFIC !!! They made the process of changing our Medicare Supplement Plan G very easy & understandable. The process used by Chris was very PROFESSIONAL! It only took 1 meeting to clearly explain all our options, and a very short 2 days to get our applications thru underwriting and approved by the insurance company. Substantial $$ savings on our premium!! Would HIGHLY recommend!!” –Larry F. Testimonial
THE FACTORS THAT DETERMINE YOUR MONTHLY PREMIUM
Underwriting, which is the process insurance companies use to assess an applicant’s risk and determine their eligibility for coverage, plays a crucial role in determining whether you will be approved for a plan as well as how much that plan will cost. Whether you are new to Medicare or not, the complexities of Medicare supplement underwriting can seem daunting. Luckily, our experience with Medicare supplements in Iowa and Nebraska makes us uniquely qualified to help. HOW IS THE PRICE OF MY PREMIUM DECIDED? Generally, premiums are based on the insurance company’s assessed risk of providing you with coverage: the higher the risk, the higher the associated monthly premium. While there are a multitude of factors that may affect the cost of your monthly premium, we will discuss some of the main considerations insurance companies make when determining the risk associated with insuring you, and what the price of your insurance will be. • Your gender In Nebraska and Iowa, the price of Medicare supplements is affected by a person’s gender, with the insurance premiums for men generally being more expensive. • Where you live The amount of competition, the cost of living in your area, as well as relevant local and state laws can impact the cost of your insurance premiums. • Tobacco use The cost of insurance for tobacco users may be up to 50% higher compared to those who don’t use tobacco. • Your medical history Insurance companies will review your medical history, which includes checking for pre-existing conditions, potential health risks, and your prescription medications to determine the risks associated with insuring you. YOU MUST SEEK PROFESSIONAL ASSISTANCE. If you are unsure of what steps to take regarding your Medicare application or have other questions about Medicare underwriting, we can help. Our experience and knowledge of Medicare supplements in Nebraska and Iowa allow us to find the insurance plan that best fits your circumstances and budget. Give us a call to speak with a licensed insurance agent at 402-614-3389 !
Chipotle-Inspired Chicken Burrito Bowl
Inspired by EasyChickenRecipes.com
Ingredients • 2 boneless chicken breasts • 2 tbsp olive oil • 1 tsp paprika • 1 tsp cumin • 1/2 tsp chili pepper • 1/2 tsp salt • 1/2 tsp pepper • 1 cup white or brown rice, cooked • 2 cups shredded romaine lettuce • 1 cup canned corn
• 1 cup canned black beans
• 1 avocado, cubed • 1/4 cup sour cream • 1/4 cup shredded cheese For Salsa • 1 tbsp chopped cilantro • 1/2 tomato, chopped • 1/2 onion, chopped • 2 tbsp white vinegar • 4 tbsp lime juice • Salt, to taste
Directions 1. Cut chicken into bite-size pieces. In a medium-size bowl, add chicken, olive oil, paprika, cumin, chili pepper, salt, and pepper. Mix until chicken is evenly coated. 2. In a skillet over medium heat, cook chicken for 7 minutes or until cooked through. Set aside on a plate. 3. In a large bowl, layer the rice, lettuce, corn, beans, and cooked chicken. 4. In a separate bowl, mix together salsa ingredients, then pour over the chicken mixture. 5. Top with avocado, sour cream, and cheddar cheese. Enjoy!
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