I have Heart Disease. Would I be approved for burial insurance?

September 25th, 2018

The term “heart disease” is often used interchangeably with the term “cardiovascular disease.” Cardiovascular disease generally refers to conditions that involve narrowed or blocked blood vessels that can lead to a heart attack, chest pain (angina) or stroke.   Can you get burial insurance if you have had a heart attack or have heart disease?  The good thing is yes you can. Does life insurance cover a heart attack?  You would think after a person has a heart attack or heart disease that an insurance company would not touch them with a ten-foot pole.   Fortunately, there are several companies that will offer a guaranteed issue whole life policy. in this article, we will learn about heart disease and life insurance.  Coronary artery disease and life insurance and also general heart disease and lifestyle.   Will you pay more for burial insurance? Yes, but it is affordable and it is better than having no insurance at all. My name is Mitch Winstead from Allstar Senior Benefits. Our toll-free number which is 866-598-8170 or 910-538-4547.allstar senior benefits  Our website is www.allstarseniorbenefits.com  My email address is mitch@allstarseniorbenefits.com.   Call today for a “no pressure” quote.  My first profession is a Physical Therapist Assistant.  I still do some part-time work helping people rehab from various conditions.   I have spent a lot of time with patients who have heart disease.  Sometimes it’s after a triple bypass surgery and they need to get stronger and back on their feet from the surgery and being inactive for a while.

Symptoms

Heart disease symptoms depend on what type of heart disease you have. Symptoms of heart disease in your blood vessels (atherosclerotic disease)
Cardiovascular disease symptoms may be different for men and women. For instance, men are more likely to have chest pain; women are more likely to have other symptoms along with chest discomfort, such as shortness of breath, nausea and extreme fatigue.

Symptoms can include:

Chest pain, chest tightness, chest pressure and chest discomfort (angina)
Shortness of breath
Pain, numbness, weakness or coldness in your legs or arms if the blood vessels in those parts of your body are narrowed
Pain in the neck, jaw, throat, upper abdomen or back
You might not be diagnosed with cardiovascular disease until you have a heart attack, angina, stroke or heart failure. It’s important to watch for cardiovascular symptoms and discuss concerns with your doctor. Cardiovascular disease can sometimes be found early with regular evaluations.

Heart disease symptoms caused by abnormal heartbeats (heart arrhythmias)
A heart arrhythmia is an abnormal heartbeat. Your heart may beat too quickly, too slowly or irregularly. Heart arrhythmia symptoms can include:

Fluttering in your chest
Racing heartbeat (tachycardia)
Slow heartbeat (bradycardia)
Chest pain or discomfort
Shortness of breath
Lightheadedness
Dizziness
Fainting (syncope) or near fainting
Heart disease symptoms caused by heart defects
Serious congenital heart defects — defects you’re born with — usually become evident soon after birth. Heart defect symptoms ...Read More


An Inexpensive Alternative to Long Term Care!

July 17th, 2018

There is a home health care insurance policy from Guarantee Trust Life (GTL) that will cut you a check for receiving Home Health Care Services.  It is an inexpensive alternative to long-term care. saving for life insurance or a Medicare Supplement GTL has been in business since 1936. They are located in Glenview, IL. The check you would receive is in addition to any other insurances you may have that are active including Medicare. Including Medicare Supplement plans or Medicare Advantage plans. There is no prior hospitalization required.  You can also combine your short-term home health care benefits with coverage for hospital stays and accidents to enhance your coverage. It will also reimburse you up to 300 to $600 each year for medicines you already take once your policy is active. There are additional benefit riders you can purchase such as a critical accident benefit rider. There is also an ambulance benefit rider and a dental and vision benefit rider.  Hi, this is Mitch Winstead from Allstar Senior Benefits we have been helping people for over 36 years with various insurance needs. Our website is www.allstarseniorbenefits.com. Our email address is Mitch@allstarsenior benefits.com. We have a toll free number 866 598 8170 or 910 538 4547 or 910 452 1922. If you would like a quote with no obligations or want to ask any questions- Call us today! Or go to this website https://www.allstarseniorbenefits.com and fill out the quote form.

 

So let’s break this down a little bit.  Yes, it will pay for home health services such as nursing, physical therapy, occupational therapy, respiratory therapy, medical social services, chemotherapy specialist, speech pathology, and enterostomal therapy. Plus it will pay $40-$120 daily for 60 days for a home health aide.  

There are three plans available. Plan A is $150 daily benefit, Plan B is a $300 a day benefit, and Plan C  is a $450 a day benefit. Contact us for quotes.

So for example, if you are in the hospital and need physical therapy either after your hospital stay or after you’ve been in a rehab facility, you would get paid $150 to $450 a day for 360 days if you have this plan. So if you’re getting therapy three times a week you would get a check for one of the above amounts for each day you have therapy or services covered under this policy. For years it’s been known that most people would like to recover at their home, not a rehab facility. It has been researched that home recovery is much quicker.

 

If you have multiple services coming in one day. For example nursing and physical therapy. if you chose $150 daily benefit, and you would get that benefit paid to you. Each service has a dollar amount so for example in this case $75 would count towards physical therapy ...Read More


What Funeral Homes May Not Tell You

July 10th, 2018

Life insurance costs When planning a funeral, how much should a funeral cost?

This is an important question for a lot of people.  If you don’t know how much a funeral or final expense will cost, you may not know how to plan for it. So let’s discuss some of the costs associated with a funeral, what goes into these costs and help you with some tips to save on your final expenses. A funeral burial service always costs much more than a cremation. Any service that includes the viewing will cost a lot more compared to a funeral that has no viewing of the actual body.   Hi, I’m Mitch Winstead with Allstar Senior Benefits. We are an experienced brokerage that has been helping people for over 36 years. Our toll- free number is 866-598-8170. Our email address is Mitch@allstarseniorbenefits.com.

 

Here is an average cost of a funeral in the United States.  $7,000-$10,000.

An average cremation cost is $1500-5,000.

These numbers are based on nationwide statistics.  The exact cost may be lower or higher. It will be based on where you live, what services you select and how extravagant the funeral will be.  

 

How do you calculate the average cost of a funeral?

Whether you decide on a cremation or a burial funeral, this may have many moving parts. It is important to understand all the costs that are involved so you can know what to expect as you plan for your funeral expenses.

Below you will see a general estimate for some of the most common components that are attached to a burial service for a cremation service. These are just average costs as reported by National Funeral Directors Association.

Again your cost may be higher or lower depending on where you live and what choices you make for the funeral.

Metal casket ($2395) Usually one of the most costly line items of a funeral, caskets are a big-ticket purchase. They can get very expensive depending on the model. Make sure you do your homework to ensure the funeral provider is not marking up too much from their wholesale cost.

Vault ($13 27) This is the enclosure the coffin rests in to protect it from the weight of the earth and maintenance equipment that will pass over the grave. They are frequently referred as “grave liners”, “grave vaults”, or “burial liners”.

Cremation fee ($330)  The basic cost execute the cremation for the body.

Cremation casket ($1000) This is a fully combustible container that the body was placed in to insert into the cremation chamber.

Urn ($280) The container that houses the ashes of the deceased.

Professional service fee ($2,000) This covers the cost of the equipment and the labor for the funeral.

Transportation of remains to the funeral home ( $310) This covers the cost to transfer the body ...Read More


Last with the Part D donut hole

June 14th, 2018

the part d donut holePart D prescription drug plans were first introduced in 2006 and the Part D Medicare donut hole first began.  I remember this because of 2 things. I have been an insurance broker for over 18 years.  When I first started selling Medicare Supplements, I learned from my Mom Kathleen. She was selling Medicare Supplements and final expense back in the early 80’s. Hi I’m  Mitch Winstead with Allstar Senior Benefits. Our website is www.allstarseniorbenefits.com   We offer free advice. If you have any questions or would like a quote, please call us toll-free at 866-598-8170 or 910-538-4547 or 910-452-1922.  If you would like a quote with no obligations, please click this link  https://allstarseniorbenefits.com/get-a-quote/#.W60lbGhKhPY  Our email address is Mitch@allstarseniorbenefits.com  We have a facebook page at https://www.facebook.com/medsuppguru.   Here are the 2 things I remember back in the day.  1. Back in the year 2000, there were plans with the alphabet letters- H, I and J at that time.  Those plans would actually cover prescriptions. These plans would have a $250 deductible and they would pay half your cost of your medicines. 2. Why I remember the part D program so well is- whenever I talk to people about their Medicare supplements, they would always ask me does this cover any medicines.

Medicare aged 65 and over

A senior couple on holiday at the seaside.

What I would tell clients is that the plans mentioned already- H, I, and J would cover medicine.  Back in the year 2006, they stopped carrying those plans because the Part D prescription drug plan started. I am glad they started the Part D plans but it’s not a perfect solution. Besides the premiums, there are co-pays, coinsurance, and deductibles on most plans that are sold today. There are a lot of moving pieces in a Medicare Part D prescription drug plan. Sometimes, the Part D plan does not cover the medicine you’re taking.  Also, the plan might not cover a medicine that is prescribed by the doctor.  In some cases, the insurance company may want you to start out on a generic drug or another medicine to see if that helps first before paying for a more expensive medicine. The companies that sell Part D prescription drug plans are private insurance companies. There are no health questions. it is just a matter of finding the best plan that works for you at the lowest rate.

 

So with paying a premium, having a copay, paying for coinsurance and the Part D plan would only cover the cost of so many medicines. In other words, there is a monetary cap each year.  Part D Medicare plans ...Read More


Caution- eligibility for Medicare at age 65. What am I in store for?

June 7th, 2018

Allstar Senior Benefits is an experienced brokerageThere is good news and concerns as you approach the eligibility for Medicare.  Should I get a Medicare Supplement or Medicare Advantage?

The concerns are: Medicare, along with all of its parts, is a bit complicated and confusing, like most things involving health insurance.

The good news: You know when you’re turning 65. So you know how many months or years you have to educate yourself about your options and the add-ons you can buy to cover the costs Medicare won’t.  There are free resources to guide you, including help from insurance brokers, who don’t charge commissions or fees, and from the state government and entities.  Hi, I’m Mitch Winstead with Allstar Senior Benefits. Our Website is www.allstarseniorbenefits.com   Our Facebook page is www.facebook.com/medsuppguru.  We offer free advice with no obligations. All of our policies and plans are state approved and state regulated.

If you have any questions our toll-free number is 866-598-8170 or 910-538-4547.  Or email us at mitch@allstarseniorbenefits.com

It can be overwhelming to people turning 65 and just entering Medicare age When you’re presenting this information, you have to go through it from A to Z.

 

Some quick facts first: When people turn 65, they’re eligible for Medicare, a national health insurance program for senior citizens. (Medicare isn’t to be confused with Medicaid.  You generally don’t have to pay anything additional for what is called Medicare Part A: most people pay into it during their working years or their spouse’s working years.Medicare Advantage or Medicare Supplement

Medicare Part A covers hospitalization and some home health and hospice care costs. Medicare Part B pays 20 % for doctor bills and expenses like outpatient visits, lab test, and X-rays, physical therapy and ambulances. For Part B, the standard monthly premium is $134, although it can be higher or lower depending on income and Social Security benefits.

Part C is a private insurance option that you can buy to pay more of your expenses or co-pays not covered by A and B. Part C also can cover expenses such as eyeglasses, dental visits, hearing aids and prescriptions, depending on the plan you choose. Part C Medicare Advantage plans may carry no additional monthly premium or cost a couple hundred dollars per month, depending on the coverage you choose. Some of those won’t include Part D prescription coverage, which typically costs an additional $20 to $80 a month.

There are two kinds of plans:  There are ” Medicare Advantage” plans, which have lower monthly premiums but generally have a more limited choice of providers and come with co-pays and deductibles.  Medicare Advantage plans generally include prescription ...Read More


What does Medicare Guaranteed Issue mean for Medicare/Medigap coverage?

June 1st, 2018

 Hi, my name is Mitch Winstead from Allstar Senior Benefits.  We are a Brokerage for Medicare products, final expense as well as cancer, short-term care, and long-term care policies. I hope you enjoy reading this article.  If you have any questions, we offer free advice and there are no obligations. Our toll-free number is 866-598-8170 or 910-538-4547.

I talk to people frequently about not going on their Part B of Medicare if they are still working. What does Medicare guaranteed issue mean?  If you want a Medicare Supplement and you go into your age 65 open enrollment period, I feel it’s a mistake.  I would not advise you to go on your part B of Medicare until you are ready to retire from work if you are on your employer’s medical plan. Here is a reason why you should not go on your Part B yet.

If you go on your Part B  at 65 and want to sign up for a Medicare Supplement you will have to answer all the health questions on the Medicare Supplement application. This is also referred to as underwriting. There are several health questions on the application. You have to answer no to ALL the questions. If you have major health problems you are not going to qualify for a Medicare Supplement.  If you choose to wait until you retire or stop working and go into your open enrollment period then your options are more open in my opinion. This means you can wait until you are age 67 or 68…… and then go on open enrollment.

Open enrollment means you do not have to answer ANY health questions on a Medicare supplement application. This is usually for people that are turning 65 and aging into Medicare. But you can wait until you have retired or stopped working to decide that you want to sign up for Part B of Medicare. This means you have more time sign up for a Medicare supplement and not answer any health questions on the application and you qualify very easily.  How much time do you have on open enrollment in this case? Usually, 6 months after your Part B becomes active. So this can get kind of confusing if you have any questions please call our office today. Toll-free at 1-866- 598- 8170 or  910-538-4547. Our email us at Mitch@allstarseniorbenefits.com. We have been helping people for over 34 years with not only Medicare Supplements but life insurance, final expense, cancer policies, and long-term care.  We will be glad to answer all your questions and if you want to enroll in a Medicare Supplement at that time we can do that in as little as 5 minutes.

Now you can make the argument that “Okay I’m going to go on ...Read More


Frequently asked questions (FAQ’S) about Medicare Supplements and Medicare Advantage

May 8th, 2018

  

Hi, I am Mitch Winstead with Allstar Senior Benefits.   We offer free advice and there are no obligations.  Call us today if you have any specific questions or need clarification on any questions listed here. Our toll-free number is 866-598-8170 or 910-538-4547 or 910-452-1922.  Our email address is mitch@allstarseniorbenefits.com  This is just a brief outline.  We have helped people just like you for over 34 years!   We have a background in healthcare and have worked with Medicare through our experiences with Physical Therapy.  We feel we know Medicare better than most agents or agencies.  Here are a few frequently asked questions (FAQ)

 

Can I have 2 Medicare supplements?  No, you can only have one

Can I have a Medicare Advantage and a Medicare Supplement?

No, you may only have one or the other.

Does a Medicare Supplement pay for any medications?

No, it does not.  Several years ago there were plans H, I and J that paid for half of your medicines but those policies are not available anymore.  The people who had previously enrolled in those plans can keep them.

 

Doe a Medicare Advantage pay for any Medications?  Yes

Does a Medicare Supplement pay for dental or vision?  

No, Some companies offer discount cards.  Usually, you would have to purchase a separate dental plan for $20.00-$40.00 each month.

 

If I buy a Medicare Supplement, may I buy a Part D prescription plan?

Yes, most have deductibles and co-pays associated with the plans.

 

Does a Medicare Advantage cover Dental?  

Yes, some policies do cover dental.  

Does a Medicare Advantage cover dental and/ or vision? Yes some do.

Can I choose any Doctor I want to go to with a Medicare Supplement  Yes, most of the time? Doctors offices like Medicare Supplements. Most Doctors accept Medicare Supplements.  There are a few cases that a very low percentage will not accept Any Medicare patients. Or if they do treat Medicare patients, they have a limit on how many people they will give medical care to.

 

Medicare Advantage acceptance is more tricky. My experience has been it depends where you reside.  For example in Florida, Medicare Advantage seems to be accepted more readily than that a person living in NC or SC etc.  Some doctors will not accept Medicare Advantage at all. In some states, there are only a limited amount of doctors that accept Advantage plans.  If they do they have to be in network with the Advantage plan.

Finding a doctor’s office that accepts Medicare Advantage seems to be more difficult than finding an office compared to a Medicare Supplement sometimes.

Can ...Read More


Cremation

May 3rd, 2018

Preparing for one’s final resting place is a difficult decision, whether it’s choosing a traditional burial or cremation. Hi, I’m Mitch Winstead with Allstar Senior Benefits.  If you have any questions on this delicate matter-our toll-free number is 866-598-8170 or 910-538-4547 or 910-452-1922.  We offer free advice with no obligations.  Our email address is mitch@allstarseniorbenefits.com  Until the mid-1980s, only 15% of Americans opted for cremation, while the vast majority preferred a traditional burial. In recent years, however, rising funeral costs and a long-running economic downturn have caused the trend to shift dramatically. The information below explains the cremation process and outlines the cost of cremation versus traditional burial so that you can make an informed decision about whether cremation is appropriate for yourself or your loved one. Regardless of whether you choose Cremation or Burial, a life insurance policy is a good thing to have to protect you from the cost.

Understanding the Cremation Process

In addition to filing the necessary legal paperwork including the request for a cremation permit, the only preparation required for cremation is to remove metal items and medical devices from the body before the cremation process begins. Though some metal items such as surgically implanted pins and screws cannot be removed, some items such as pacemakers and radioactive medical devices must be removed as they may combust or emit hazardous rays during the cremation process.

Once the body is properly prepared, it is placed in a casket or container (usually crafted from wood or cardboard), which is then placed into a cremation chamber that is heated to a temperature between 1600 and 1800 degrees Fahrenheit. The container is labeled properly to ensure that there is no confusion of the identity of the body or any of its remains.

The body is heated for approximately 2.5 hours, during which time the body’s organic matter evaporates or is consumed by the heat. After the heating process is complete, the remaining bone fragments are removed from the cremation chamber, and any metal that was on the body, such as dental fillings, is removed with a magnet. These metal parts are typically disposed of at a cemetery. The bone fragments which do not evaporate are processed into a fine powder-like substance and are placed into a container which is typically chosen by the family.

The family is then permitted to dispose of the remains as they see fit. In cases where the family does not claim the remains of their loved one from the crematory, most states allow the crematory to dispose of the remains after a certain period of time. In New York state, for example, this period is 120 days; other states impose similar waiting periods.

It is important to know that while the entire cremation process only takes about 3 hours, most state laws stipulate that there must be a waiting period of several days after the death occurs before ...Read More


Burial Insurance FAQs

May 3rd, 2018

Frequently Asked Questions About Burial Insurance

Q. What does final expense burial insurance do?

A. Final expense burial insurance is a form of term life insurance that provides the policy holder with a pre-determined amount of money upon their death. Burial insurance is designed to be a low-cost alternative to life insurance that is easier to qualify for and carries cheaper monthly premiums. Final expense burial insurance policies are designed to cover the major costs of funeral services and products.

Q. What is funeral insurance?

A. Funeral Insurance is the same thing as burial insurance. It is a different name for the exact same product and is also often referred to as final expense insurance.

Q. Why is burial insurance necessary?

A. Burial insurance is necessary if you do not have any other form of life insurance. Because burial insurance is such an affordable alternative to term or whole life insurance, it is a great choice for those who cannot afford life insurance or who have been turned down for a life insurance policy. Similarly, with the average cost of a funeral totaling over $8,500 in 2018, many people cannot afford a proper burial. Burial insurance helps alleviate the high cost of passing.

Q. How much burial insurance do I need?

A. The value of your policy will vary depending on the type of funeral service you anticipate having. Some buyers take out modest policies and have small, simple services. Others expect to have a much larger and grander service that will cost much more. Larger policies have a larger monthly premium but give more money to beneficiaries when the policy is paid out.

Q. Why do you offer burial insurance and life insurance quotes? What is the difference?

A. Final expense burial insurance offers quotes to all kinds of life insurance. Our expertise is delivering custom life insurance policy quotes to customers. Burial insurance is a unique form of life insurance, and we offer a wide range of life insurance policy quotes.

Q. Do I have to use my burial insurance benefits on funeral expenses?

A. Once the holder of a burial insurance policy passes away, his or her beneficiaries may use the funds in any way they desire. Funds are most commonly used to pay for funeral related services and products, but can be applied to the cost of debts, loans, vacation costs, or any other expense or bill.

Q. How do you apply for burial insurance? Is it a difficult process?

A. There are two ways to go about applying for a final expense quote: 1. Once you have decided on a company to purchase a policy from, simply contact us toll free at 866-598-8170 and receive a quote that fits your needs. 2. Fill out our free quote form. Once you have finished, we will help you build a custom policy that fits your needs and provide you with a no-obligation quote. We will also help you compare rates between companies to save you time and hassle. Once you have decided on the best policy for your needs, you ...Read More


Funeral Plan Checklist

May 3rd, 2018

Funeral Plan Checklist

Planning a funeral is very emotional. When a loved one passes away, those they left behind are forced to make numerous decisions about the services in the midst of grieving. Whether you’re pre-planning your own funeral or memorial service, or you’re planning a funeral for a loved one who has passed away, this funeral plan checklist will help you ensure every box is checked to serve as a pillar of support during a difficult time.

Pre-Funeral Steps

1. Notify the Correct Authorities

First on the funeral plan checklist is notifying the correct authorities. If the death in question has occurred outside of a hospital or nursing or convalescent home, you may be required to notify authorities about the death. You can simply call 911 to report the death, and the responder will notify the coroner. While it’s not always necessary to call the coroner, it may be beneficial to do so in case the individual had important insurance policies in place that could come into play.

2. Let Friends and Family Know

While police will generally notify next of kin, you may need to notify numerous other loved ones of the individual’s passing, especially if they must travel a long distance in order to attend the services. Beyond family members, be sure to keep your loved one’s friends in mind.

3. Get Organized

This is one of the most important tasks on the funeral plan checklist. Once you’re at the funeral home planning the services, you’ll be tasked with completing the death certificate. Be sure to get organized and gather all information required to fill out this form. This includes the deceased’s social security number, birthdate, parents’ names, employment address, and occupation. If they were in the service, you’ll need their armed forces serial number.

Only half of those over age 65 have an up-to-date will, so it’s important to consider your estate planning now. It can cover a variety of aspects, including determining the executor of your will, any trusts you have, taxes and succession, and charitable donations, among other things.

4. Discuss Funeral Expenses

Funeral expenses can be costly if you are paying out of pocket. Before making decisions regarding the services, burial, or cremation, you’ll need to first broach the topic of finances. If your loved one didn’t have some sort of Funeral Insurance or life insurance policy, you’ll need to find other ways to handle the funeral expenses.

It’s important to choose a person that will be responsible for handling the costs of the funeral, at least as far as billing purposes go, regardless of where the funds will come from. If there’s an executor of the estate for the person who has passed away, they’ll generally take responsibility. Ultimately, it’s up to the family to determine who handles these expenses.

5. Choose a Funeral Director

Because the funeral director will take you through the bulk of the planning process, it’s important to choose the right individual. They’ll handle caring for the body, purchasing the casket or urn, hosting the viewing, and taking care of ...Read More


Avoid Medicare Overpayment Problems

April 19th, 2018

Medicare Advantage or Medicare Supplement

Compliance with federal health care laws is not always a straightforward matter for healthcare providers. The fact that payment models are constantly being revised, makes it prudent for them to seek legal advice. Hi, I’m Mitch Winstead with Allstar Senior Benefits.  If you have any questions or advice in order to avoid Medicare overpayment problems, we may be able to help you.  Our toll-free number is 866-598-8170 or 910-538-4547 or 910-452-1922.  If you prefer email, please click these link mitch@allstarseniorbenefits.com  Attorneys can provide the practical steps needed to avoid potential pitfalls.

Medicare overpayments

Medicare overpayments are funds paid in excess of the amounts properly payable, as provided under the Medicare statute and regulations. Medical practices should report such overpayments to the Medicare administrative contractors (MAC), who is the agent liable for overseeing claims for payment.

In the event that the overpayment is identified by Medicare, federal law requires that the Centers for Medicare and Medicaid Services (CMS), initiate proceedings to collect these amounts.

In cases where an overpayment of $ 10 or more is identified, the medical contractor will issue an initial demand letter. If payment is not made within 30 days then interest and additional fees will apply. Medical practices that receive a demand letter should ensure that payment is made promptly.

In instances where the overpayment is substantive, entities can request an electronic repayment schedule (ERS), so that payments can be made in smaller installments.

Medicare Recovery Auditors

Medicare recovery auditors are now out there in an effort to detect improper payments. Their job is to investigate billing records and report overpayments to CMS. Therefore medical entities are well advised to employ a compliance officer to manage the compliance process with Medicare.

Fraud Allegations

The Affordable Care Act stipulates that health care providers must return overpayments within 60 days of identifying them. Medical entities that fail to report overpayments may be liable under the False Claims Act.

Medical practices that are accused of fraud under the False Claims Act, should enlist the services of an experienced health care attorney. These allegations should not be taken lightly, as they are a clear indication that the CMS has already collected sufficient evidence with which to charge you.

Health care attorneys can act capably in your defense, as they have the relevant knowledge of health care laws. They also have previous experience representing clients in similar situations and may be able to have the matter resolved without litigation.

Why do overpayments occur?

Medicare overpayments are often the result of the following:

  • Duplicate submission of a claim,
  • Billing for services not covered by Medicare,
  • Payment to the incorrect payee,
  • Payment for services that are medically unnecessary.

Avoiding Medicare overpayment problems

Medical practices can avoid overpayment issues by doing the following:

  • Undertaking regular audits of their compliance process. Conducting an internal assessment on a regular basis will help to ensure the accuracy and transparency of the system. It will also make it easier to spot claims with improper payments. In addition, ...Read More

Dental Insurance for Seniors

April 16th, 2018

Dental problems are not confined to growing children; a number of adults constantly require one or another dental procedure. Gum disease, tooth loss, and tooth decay are especially popular tooth problems that present themselves in seniors. Hi, I am Mitch Winstead with Allstar Senior Benefits. If you have any questions about dental plans or any other type of policies, please call us toll-free at 866-598-8170 or 910-538-4547.  We offer free advice and no obligations. Our email address is mitch@allstarseniorbenefits.com Medical care for teeth does not come cheap and for the elderly, it becomes increasingly difficult to meet tooth care costs as their occurrence increase with age. It is important to get a good dental Insurance policy for seniors to ensure that you are adequately covered when it comes to tooth care.

The problem that most senior citizens have to cope with, in relation to tooth care, is the high costs that come with it. With tooth problems becoming a constant cause for concern, senior citizens are left in a rut if they do not acquire comprehensive Insurance covers. Conventional Insurance policies are usually harsh to elderly citizens and accord them policies at high rates. Several undertaking companies, which undertake dental related policies, provide affordable Insurance covers to the elderly enabling them to benefit from adequate coverage. Dental Insurance for seniors is structured to suit the needs of the elderly making them more appropriate for the elderly compared to conventional policies. Elderly people who undertake the policies receive tooth care at reduced costs similar to how other policies cover other individuals. These policies are structured with the individual’s financial status in mind. Most elderly people are retired and may not have vast monetary resources at their disposal. The policies structured for them are particular to their financial situation and float premium rates, which the individual can comfortably keep up with.

Oral health is important to the elderly and every other person in general because it determines the entire body’s well being. We all know how a toothache can spark off other ails and pains in the rest of the body. It is therefore important to ensure that your teeth are properly taken care of. Practice good oral care at home involving brushing your teeth after meals and minimizing the intake of sweets. Using these simple techniques could save you numerous trips to the dentist. It is, however, advisable to undertake oral checks to ensure that your teeth are in perfect health. Never ignore toothaches and symptoms such as bleeding gums since they could result in costly dental procedures in the future.  All of our plans are state approved and state regulated.  If you would like to ask any questions, our toll-free number is 866-598-8170 or 910-538-4547.   Our email is at this link https://www.allstarseniorbenefits.com You have no obligations. If you would like a quote, please click here https://allstarseniorbenefits.com/get-a-quote/#.W60lbGhKhPY

Thanks for reading!

...Read More

Is the Life Insurance I Get Through My Employer Enough?

April 15th, 2018

Many people know that I work in the life insurance industry and ask me if the life insurance they get from their employer is enough. Hi, I’m Mitch Winstead with Allstar Senior benefits.   If you have any question, we offer free advice with no obligations. Our toll-free number is 866-598-8170 or 910-538-4547.  The link for you o email us can be found by clicking here mitch@allstarseniorbenefits.com  There are several types of life insurance that fall under the heading of “Employer Life Insurance”. I will try to address their merits individually.

Life Insurance included as part of your Employee Benefits

Many companies that offer health insurance benefits also include a life insurance benefit. The face amount is usually either a flat amount (eg $ 10,000) or based on a multiple of the employee’s salary (usually 1 or 2 times the annual salary). Usually, this type of coverage is not even optional and there is no reason why you should not accept this benefit.

I would caution you against relying on this as your only form of life insurance. Many people know that they need life insurance and allow themselves to believe that this benefit satisfies that requirement. If your life insurance needs include paying for a funeral and a few bills then $ 10,000 or your annual salary may be enough. If you have a spouse and children that is on your income, then this amount is probably not going to cut it.

Another issue with relying on this type of coverage for your life insurance needs is that this type of coverage is not portable. If you leave the company, then you can not take the policy with you. You need to have a policy that you own and can take with you no matter what your employment situation. You do not want to be at risk while you are between jobs or waiting for your benefits to begin at a new company.

Additional Optional Life Insurance as part of your Employee Benefits

Many companies include a small amount of life insurance with your benefits as I stated above. As an additional benefit, many companies give you the option to sign up and pay for more coverage with your benefits. Most people find this convenient because the promotions are deducted from your paycheck just like your health and dental benefits and you usually do not have to go through underwriting. The insurance company will usually give you a cheaper rate than most other simplified issue life insurance policies because you are in a group and they assume that people who are employed are generally healthier than people who are unemployed.

Even though this is convenient, I would encourage you to shop around and see if you can find better rates on the open market. In most situations, people will find much cheaper insurance if they go and buy a life insurance policy on their own. You will probably have to be written to get the lower ...Read More


Low Cost Whole Life Insurance

April 15th, 2018

 

Low-cost whole life insurance is the most common life insurance policy. It is a simple policy that works on the basis of a basic permanent insurance plan into which you pay periodic payments, most commonly monthly, and provides protection to your beneficiaries over the course of your life.

It provides a set amount of coverage which can never be canceled, in exchange for fixed, uniform payments. The premiums are high compared to your statistical risk of death, which leads to the same payment amount throughout your life, which is why reserves are built up. Assuming that you live a long life after the policy was issued, your payments become low when compared to your risk of death. To put it simply, during the first few years of a whole life policy, insurance companies take in substantially more money than they pay out.

Though it is much simpler to budget for this policy due to its stable nature, it fails to factor in the increased wealth factor of the insured and their loved ones as they get older and earn more money. It also fails to include the additional expenditure they’ll be making as they buy bigger and more expensive housing and cars. The premium of low-cost whole life insurance is much less than the other whole policies. These policies help those who are young and going for policies for the first time, which will ultimately help the people who would be dependent on him in the future.

Whole life insurance is a permanent policy which will provide coverage whenever a death occurs. In this policy, there are two types of terms: straight level term and a return of premium.

 

Source by Max Bellamy

...Read More

Medicare Pays For Long-Term Care – Don’t They?

April 1st, 2018
Medicare aged 65 and over

A senior couple on holiday at the seaside.

Most seniors that I have spoken to believe that Medicare pays for long-term care. What do you think? On one hand, Medicare is so complete, it seems to pay for almost everything the elderly require, health-care-wise.  Hi, I am Mitch Winstead with Allstar Senior Benefits.  If you have any questions about Long-Term Care or Short-term care, we have all the answers. We offer free advice with no obligations. All of our policies are state approved and state regulated. Our toll-free number is 866-598-8170 or 910-538-4547 or 910-452-1922. Our email address is mitch@allstarseniorbenefits.com Most of us know someone who has had a nursing home stay or in-home care paid for by Medicare, so it must pay for long-term care, right? On the other hand, maybe you’ve overheard a friend talking about their parents being cleaned out by a nursing home. Which is true?

Medicare is part of the U.S. Social Security system. It provides major medical benefits to the vast majority of our nation’s seniors. The coverage is so extensive, it’s unusual for a senior to find themselves in a medical situation where at least some of the bill, if not most, aren’t paid by Medicare.

Having such complete coverage does create something of a problem, though. It might be easy to assume that you have no medical worries and that everything’s okay. Keep reading…

Medicare is primarily a major medical plan, and it is helpful to remember that fact. Medicare does pay for a nursing home stay, but here’s the fine print. First, you must be admitted to a hospital three or more days for a medical condition. Second, you must be transferred to a nursing home for rehabilitation. So, if you fell and broke your hip, the bill for the hospital, your doctors, and so on would be paid by Medicare. You need rehab, so you are moved to a nursing facility – still Medicare.

So what can go wrong? First, rehabilitation assumes that are continuing to get better. When you stop improving, the benefits end. Or, if you get grumpy and throw out your therapist, same result. In any case, there is a limit of only 100 days or the actual length of your rehab, whichever is shorter. You are personally responsible for all costs thereafter.

And don’t expect your health insurance will pick up the bill. A Medicare supplement is designed to pay for the “gaps” in coverage – not provide coverages outside the system. Check your policy, but it is unlikely you have any long-term protection.

In short, Medicare pays for short-term rehabilitation, not long-term care. If you are relying on Medicare to help you pay for a nursing home, I suggest you reconsider. A shocking majority of Americans have no plan whatsoever for long-term care. The good news is that the Federal Medicaid system does provide long-term care benefits – but ...Read More


Medicare Supplement Plan F – Is It Right for You?

April 1st, 2018

 

A Medigap Plan F covers 100% of the gaps of Medicare Part A and Part B. This means it has the most coverage out of any of the Medigap Insurance Plans. This also makes Plan F one of the most popular plans available for people on Medicare. This type of Insurance can seem confusing at first, but it does not have to be. Asking just a few quick questions will help explain a lot.

• How is your health?

• How often do you visit your doctor?

• How would you like to handle your medical costs?

If you’re someone who likes everything paid 100%, then a Plan F is your best option. With this plan, you end up paying only the monthly premium of the policy. This means that all of your doctor bills and hospital fees are covered by the plan, and you have no other out-of-pocket costs. You are also free to see the doctor of your choice because there is no network (but your doctor must accept Medicare). It gives you the freedom of choice and the full coverage you deserve.

When it comes to your health and finances, you want to be covered. Not having to worry about additional medical bills gives you the peace of mind in knowing you and your family are protected. Whether you choose a Medicare Supplement Plan F -or one of the other Medigap plans, you’ll know that your out-of-pocket expenses will be greatly reduced if not eliminated.

Several insurance companies carry Plan F. Although each company has identical coverage, the premiums for the plans can vary widely between companies. And while it offers the most coverage of all the plans, there’s no reason to pay more than you should for it. An experienced advisor can easily shop the market and provide you with an annual rate analysis to determine each year if you’re paying the least amount possible. This saves you money year-after-year.

Another great benefit to this plan other than having no out-of-pocket expenses other than the monthly premium is that that it makes easy to budget. There are no surprises like deductibles, co-pays, or other payments. For anyone on a fixed income, this is especially important.

Knowing that your bills will be paid and you and your loved ones are protected is a great feeling when it comes to your medical insurance. Part of the process of getting there is choosing the right Medigap Plan.

 

Mitch Winstead

Allstar Senior Benefits

...Read More

Will Plan F and Plan C Medicare Supplements become a crisis in 2020?

March 9th, 2018

So you may have heard that the Medicare Supplement Plan F is not going to be available in 2020.  Or this may be the first time you are hearing about, is the Plan F Medicare Supplement going away?   The short answer to your question is ………. Yes, it is going away for any NEW Medicare enrollees in 2020.  Hi, I am Mitch Winstead with Allstar Senior Benefits. Call us today with any questions you might have about Medicare or Medicare Supplements. If you would like a quote with no obligations on a Medicare Supplement or life insurance, please ask about that also.  Our toll-free number is 866-598-8170 or 910-538-4547. Our email address is mitch@allstarseniorbenefits.com.  Our website is www.allstarseniorbenefits.com.  Our Facebook page is www.facebook.com/medsuppguru. Our agency is Veteran owned. We have been helping people for over 34 years. We have a background in healthcare.  I have been helping people for 24 years with Physical Therapy. That is what I did before I went into the insurance profession.  I co-own a Physical Therapy practice called Physical Therapy for Life. I still help a few people each week that have had strokes, total knee and hip replacements and Parkinson’s disease just to name a few diagnoses.  One of my points is that this agency has a (heart) for helping people.  I want to ask you some questions.  How many agents can raise their hand and say this?  I have been on 2 Medicare visits going out to a patients house to observe me doing physical therapy.  This is a called a Medicare Audit. How many agents, brokers have been a Rehab director at a Skilled Nursing Facility when Medicare walks in unannounced and starts auditing patients records and asked you questions about the records.  How many agents, brokers have actually billed Medicare for their services?   I can answer all of those questions with a yes. Because of my extensive knowledge in the healthcare field, we know much more about Medicare than most other agents. I am very well qualified to help you also.   Now back to the subject of Medigap Plans 2020.  Medigap is the same thing as Medicare Supplements when discussing a Medicare Supplement plans comparison chart.  Anyone who has the Plan F and by the way a Plan C (which not a whole of people are talking about) currently prior to 2020 may keep it. Just an FYI, Plan C pays the Part B deductible also. The only difference between a Plan F and Plan C is that Plan F does cover Part B excess charges.  Please try not to get Plan C and Part C confused. Plan C is a Medicare Supplement. Part C is one of the 4 parts of Medicare. Part C is usually known as the Medicare Advantage part of Medicare. People ...Read More


How do I get burial insurance if I have Epilepsy?

March 2nd, 2018

 

Hi, my name is Mitch Winstead with Allstar Senior Benefits. You can get a life insurance policy with no questions asked. Yes, no health questions!
This is not for just epilepsy but any condition! So how and where do you get it? Allstar Senior Benefits can give you some of the lowest rates of this type of policy.   Call us today. Our toll-free number is 866-598-8170 or 910-452-1922. Our website is www.allstarseniorbenefits.com Our email address is mitch@allstarseniorbenefits.com.

Our facebook page is www.facebook.com/medsuppguru Call us today for a quote on burial insurance with no obligations. Back to the subject of epilepsy and life insurance. The type of policy you would qualify for is called a “graded” life insurance policy.
What does that mean? A graded policy means you would pay your premiums monthly. If you pass away during the first two years of the policy, your beneficiary would receive 100-110 % of the premiums you paid in. After the first 2 years, your beneficiary would receive the full amount of the policy. So, for example, you have a $10,000 policy, they get $10,000. Some people do not like this because of the two-year wait. I can understand that. You want your policy to have the full face amount available when you leave this earth. However, life throws us curveballs in the sense that we get a health issue diagnosis. We don’t like curveballs of course. We must deal with them the best we can. If a person has a medical condition and cannot get approved for a life insurance policy, such as term life, universal life. It is because they cannot pass the health questions on the application and get declined. For example, one of the health questions on a life insurance policy may ask- have you had a heart attack, heart surgery or heart disease in the past 2 years? If that person has had a heart attack, they will get declined. I hate it when some of my clients get declined. I even have been declined on a health insurance policy. It stinks!
A guaranteed issue whole life policy would be your solution.   There is life insurance for epilepsy patients  You do not have to answer any health questions to qualify. Isn’t it better to have something rather than nothing?
At least have something for you and your family. You most likely want them to have enough money to buy you.

Also if you are being cremated you need at least $3000 for that type of burial. Then ask yourself if you want to leave your loved ones any extra money “love gift” to help pay your bills and their bills such as car payments mortgage, credit cards etc. It is going to be one of the worst days of their lives when you pass away. So please take care of ...Read More


How do I get burial insurance if I had an organ transplant?

February 23rd, 2018

The simple answer to your question is you can get burial insurance if you have had an organ transplant.  That is great news!   How do you apply for it and which company? Hello, my name is Mitch Winstead with Allstar Senior Benefits.  Our agency has been helping people for 34 years. We know burial insurance.  Our agency is different because we have a healthcare background. Before I ventured into the insurance profession, I was working as a Physical Therapist Assistant    I own a physical therapy business called Physical Therapy for Life.  I have been helping patients rehab with various conditions for 24 years. I still help a few people each week gain a better quality of life. We know health conditions, diseases, and medications better than most agents.  That is important when you are looking for the right company that fits your life.  We can save time and can place you on a policy quicker.   I am an organ donor. There is life insurance for organ donors too.  I have helped people with a heart transplant. Most likely to get a transplant you will go on an organ transplant waiting list.   If you are one that lists you can get burial insurance before your transplant. Organ transplants consist of liver transplants, kidney transplant, thymus, corneas,  just to name a few. Our toll-free number is 866-598-8170 or 910-538-4547.  Our email address is mitch@allstarseniorbenefits.com.  Our website is www.allstarseniorbenefits.com.  Our facebook page is www.facebook.com/medsuppguru.   Let me say this, burial insurance and death are subjects no one likes to talk about.  I wish I didn’t have to write about it.  However since we are all going to die one day, we are able to help people find the best coverage for them and their loved ones.   Back to finding a burial insurance policy.  You want to find companies that have whole life insurance.  This is the easiest and best possible chance to get burial insurance.  Why?  Some whole life insurance companies have what is called “graded life” insurance policies.  They also are called guaranteed issue policies.  What this means to you is- you can apply and get burial insurance with no questions asked.  There is NO medical exams and none of your medical records will be requested from any medical services. In fact, there are no health questions on the application!  All you do is find an agent-preferably Allstar Senior Benefits and you would give me your name, address and phone number.  Then you would let me know who would be your beneficiary.  Then of course you have to pay for it.  Once that application is submitted to an insurance company for example Acme Insurance company and processed within a week or less, you have your burial insurance policy.  Heart disease symptoms ...Read More


Can I get extra help paying for Part D or Parts A an B With Medicare?

February 15th, 2018

Medicare Advantage or Medicare SupplementYes, there is help available!  First  I want to make sure we are speaking the same language.  Sometimes people get confused with Part D and Plan D and Part B with Plan B.  Medicare has 4 parts to it.  Part A is hospital coverage and this can be found on your Medicare card which says Part A-hospital insurance and also Part B- doctors insurance. Medicare has a Part C which usually is a Medicare Advantage plan and Part D is a prescription medicine program.

This gets confusing because Medicare Supplements have a Plan A and Plan B a Plan C and a Plan D.   So it may be easier to think of it this way.  Medicare is thought of as PARTS.    Medicare Supplements is thought of as PLANS.  In this article, I want to cover several things such as  Medicare savings program (QMB)Is there extra help paying for Medicare Part B premiums?

My name is Mitch Winstead with Allstar Senior benefits.  Call us today for a quote on a Medicare Supplement of any health or life insurance policy.  Our toll-free number is 866-598-8170.  910-538-4547.  Our website is www.allstarseniorbenefits.com.  Our email address is mitch@allstarseniorbenefits.com.  Our Facebook page is www.facebook.com/medsuppguru.    Here is some background information on our agency. I have been working in the physical therapy field for  24 years. Through that, I have helped thousands of patients recover from strokes, Parkinson’s disease, cardiac problems, total hip, and total knee replacements just to name a few.   There a NOT a whole of agents that can say that. I co-own a physical therapy practice called physical therapy for life.  I got started in the insurance profession 18 years.  Our agency has been helping people for 34 years.  We know Medicare and have more knowledge than 97% of the agents today   Why?  I have worked as a health care provider for 24 years and Medicare is billed for my services.  This agency is veteran owned. I know things that other agents do not know for example, what codes are used in the billing process.   What do the letter codes mean on a Medicare explanation of benefits that patients/clients receive after a service? We know how the Medicare billing system works.  We have an extensive knowledge of medications that agents have to know in order to place you with the right company.  We know them-most agents don’t.  How are claims actually paid and what is the process.  We know underwriting ( health questions on the application to qualify) and how that work to place you with the right company that best for you.   I still help a few people rehab every week for various conditions.  We know Medicare!!  We know Medicare Supplements !!  There are a lot of agents claiming they are the best but when you put them on the spot-they can’t answer questions ...Read More


What are Part B excess medical expenses on a Medicare Supplement?

February 6th, 2018

 

Before I get started writing this article, let me say this.  This subject is one of the most confusing benefits of a Medicare Supplement.   In this article, I hope to be able to explain the part b excess benefit so it is easy to understand part b excess medical expenses.  My name is Mitch Winstead with Allstar Senior benefits.  Call us today for a quote on a Medicare Supplement of any health or life insurance policy.  Our toll-free number is 866-598-8170.  910-538-4547.  Our website is www.allstarseniorbenefits.com.  Our email address is mitch@allstarseniorbenefits.com.  Our Facebook page is www.facebook.com/medsuppguru.    Here is some background information on our agency. I have been working in the physical therapy field for  24 years. Through that, I have helped thousands of patients recover from strokes, Parkinson’s disease, cardiac problems, total hip and total knee replacements just to name a few.   There a NOT a whole of agents that can say that. I co-own a physical therapy practice called physical therapy for life.  I got started in the insurance profession 18 years.  Our agency has been helping people for 34 years.  We know Medicare and have more knowledge than 97% of the agents today   Why?  I have worked as a healthcare provider for 24 years and Medicare is billed for my services.  This agency is veteran owned. I know things that other agents do not know for example, what codes are used in the billing process.   What do the letter codes mean on a Medicare explanation of benefits that patients/clients receive after a service? We know how the Medicare billing system works.  We have an extensive knowledge of medications that agents have to know in order to place you with the right company.  We know them-most agents don’t.  How are claims actually paid and what is the process.  We know underwriting ( health questions on the application to qualify) and how that work to place you with the right company that best for you.   I still help a few people rehab every week for various conditions.  We know Medicare!!  We know Medicare Supplements !!  There are a lot of agents claiming they are the best but when you put them on the spot-they can’t answer questions that impact you.  They are not able to help you effectively. My advice is to hire an experienced brokerage like Allstar Senior Benefits that can impart their knowledge to you and help you better.   Now back to the subject of Medicare Supplements.    When you look at the plans that are available on a Medicare Supplement, you will see that Plan F and Plan G have the part b excess benefit available.   For most people, this benefit is rarely used.  In all the years that I have been selling Medicare Supplements, part b excess charges do not inhibit ...Read More


I have Congestive Heart Failure Can I get burial/life insurance?

January 30th, 2018
Congestive heart failure is a condition where the heart does not pump blood as well as it should. It can occur when the heart muscle is too weak, or when another defect prevents it from circulating blood properly. 
Hi, my name is Mitch Winstead from Allstar Senior Benefits.  Can a person with congestive heart failure get burial/life insurance?   Yes!   Fortunately, there are companies that will give someone a guaranteed issue whole policy.  There a NO health questions asked.   How much does it cost?  Typically a person will pay roughly 30% more for this type of policy.  The main point is that you CAN get life insurance.  It is still affordable.  Whole life is often referred to as permanent insurance.  It does build a cash value in 18-24 months.  You can even use the cash value to pay some of the premiums if you get in a jam financially.  Here is how a guaranteed whole life insurance policy works:  These policies are “graded”.  For example, if you purchased $10,000 for a face amount and you passed away during the first 2-3 years of owning the policy, your beneficiary would get 100-110% of the premiums you have paid in.  After the 2-3 “graded” period if you pass away they would receive the whole $10,000.
Before I became an Insurance broker, I was a Physical Therapist Assistant.  I helped a number of people that had congestive heart failure.  I observed a lot of the symptoms described below. I still help a few people with various diagnoses each week.  I co-own a physical therapy practice called Physical Therapy for Life.  Back to the subject of congestive heart failure. We will take a look at the congestive heart failure stages, symptoms, types, and treatments.

Congestive heart failure (CHF) undermines the heart’s job of pumping blood around the body. Over time, this failing causes the organs to receive less blood.

In this article, we look at how CHF progresses over time and what the outlook is for people with this condition. We also examine the causes, symptoms, and treatment options.

Stages

There are four different stages of heart failure: A, B, C, and D.

Progression to the next stage is linked with a reduction in 5-year survival rates.

Stage A

High risk of developing HF due to having other conditions strongly associated with HF developing.

Examples of these conditions include chronic high blood pressure, diabetes, and coronary artery disease.

People at this stage have no problems with the structure of the heart or how their heart works. They will have also never shown any signs or symptoms of HF.

Stage B

People at this stage will have developed structural heart disease that is strongly linked to the development of HF. This includes having an enlarged left ventricle or having had a heart attack.

However, people at this stage will still have never shown any signs or symptoms ...Read More


I have Myelodysplastic syndrome Can I get life/burial insurance?

January 30th, 2018

What is Myelodysplasic Syndrome?

Myelodysplastic syndromes (MDS) are a group of disorders caused by poorly formed blood cells or ones that don’t work properly. Myelodysplastic syndromes result from something amiss in the spongy material inside your bones where blood cells are made (bone marrow).  Myelodysplastic syndrome life expectancy is dependent on if you have a low risk of this syndrome.  If so, the lifespan is approximately 5 years.  The people who are considered high risk often develop Lou Gehrig’s disease.  Most people are diagnosed with (MDS)at age 60-65.

Hi, I’m Mitch Winstead with Allstar Senior Benefits.  I can only imagine how tough living with this syndrome must be, let alone having to think about life insurance.  I have some good news, you CAN get life insurance. However, you will have to pay around 30% more for it.  It is still reasonable. Just because you have to pay more for it does it mean you should not get it if you can afford it. It certainly is better than have no life insurance at all.  Call today for your quote with no obligation. Our website is www.allstarseniorbenefits.com toll-free number is 866-598-8170  or 910-538-4547.   Our email address is mitch@allstarseniorbenefits.com  Or Facebook page is www.facebook.com/medsuppguru.  Most people think that they just cannot get insurance because of they have this diagnosis.  I represent companies that do not ask ANY questions about your health to qualify for life insurance. The way this works is that for the first 2- 3 years you will get 100% of what you paid into the policy if you die in that 2- 3 year period. After 2-3 years if you take out a $10,000 life insurance policy your beneficiary will get the full face amount of the$10,000. Your benefits will NEVER decrease and your premiums will NEVER increase. Your policy will last you your whole life.  This is often referred to as permanent insurance and it does build a cash value after 18-24 months.  

Treatment for myelodysplastic syndromes usually focuses on reducing or preventing complications of the disease and its treatments. In some cases, treatment might involve chemotherapy or a bone marrow transplant.

Symptoms

Myelodysplastic syndrome symptoms or signs rarely occur in the early stages.

In time, myelodysplastic syndromes might cause:

  • Fatigue
  • Shortness of breath
  • Unusual paleness (pallor) which occurs due to a low red blood cell count (anemia)
  • Easy or unusual bruising or bleeding which occurs due to a low blood platelet count (thrombocytopenia)
  • Pinpoint-sized red spots just beneath your skin caused by bleeding (petechiae)
  • Frequent infections which occur due to a low white blood cell count (leukopenia)

When to see a doctor

Make an appointment with your doctor if you have signs or symptoms that worry you.

Causes

In a healthy person, the bone marrow makes new, immature blood cells that mature over ...Read More


I was diagnosed with Lupus Do I qualify for burial/life insurance?

January 26th, 2018

Lupus is a systemic autoimmune disease that occurs when your body’s immune system attacks your own tissues and organs. Inflammation caused by lupus can affect many different body systems — including your joints, skin, kidneys, blood cells, brain, heart, and lungs.

Can you get burial/life insurance?  YES!    Thank goodness.  Call today for a quote with no obligation. Our toll-free number is 866-598-8170 or 910-538-4547.   I have a few companies that will give a whole life insurance policy with no questions asked.  Our website is https://www.allstarseniorbenefits.com

Our email address is mitch@allstarseniorbenefits.com and our Facebook page is at www.facebook.com/medsuppguru.  We have been helping people for over 34 years.

These policies are “graded”  that means in the first 2 -3 years, your beneficiary would get100- 110% of the premiums you paid.   Once you are past the 2-3 year period, your beneficiary would get the full face amount, for example, $10,000.  Some companies have an accidental death rider that would pay double the face amount upon your death.  Whole life policies are permanent insurance.  The last your whole life and not just for 10 or 20 years like term policies do.  A whole policy builds cash value.  This happens in 18-24 months after you purchase the policy.  So if you are having a hard time paying your premiums for a couple of months, your policy can pay it for you.  You can also borrow any amount of the cash value from your policy.  However, you want to make sure you pay it back because if you pass away your beneficiary won’t collect the full face amount of your policy.  Also with whole life/ permanent insurance, your benefits never decrease and your premiums never decrease.  Now back to a brief overview of life insurance and lupus.  

Lupus can be difficult to diagnose because its signs and symptoms often mimic those of other ailments. The most distinctive sign of lupus — a facial rash that resembles the wings of a butterfly unfolding across both cheeks — occurs in many but not all cases of lupus.

 Some people are born with a tendency toward developing lupus, which may be triggered by infections, certain drugs or even sunlight. While there’s no cure for lupus, treatments can help control symptoms.

Symptoms

The signs and symptoms of lupus that you experience will depend on which body systems are affected by the disease. The most common signs and symptoms include:

  • Fatigue
  • Fever
  • Joint pain, stiffness, and swelling
  • Butterfly-shaped rash on the face that covers the cheeks and bridge of the nose or rashes elsewhere on the ...Read More

Help,I have breast cancer. Can I get/burial/life insurance?

January 23rd, 2018
Can I get life insurance if I have breast cancer?   Yes, you can!   If you have been waiting to get burial/life insurance, you don’t have to wait any longer.  Allstar Senior Benefits has a few companies that will give you a guaranteed issue whole life insurance policy.   There are no questions to qualify and no examinations.   So what is the catch?   You will pay about 30% more for a policy like this.  However, if you need life insurance and have been turned down then this is a policy you can count on getting. Your benefits Never decrease and your premiums Never decrease.  If you would like a quote with no obligation, call today!  Our toll-free number is 866-598-8170 or 910-538-4547.   Our website address is https://www.allstarseniorbenefits.com  Our Facebook page is https://www.facebook.com/medsuppguru
Our email address is mitch@allstarseniorbenefits.com.  We have been helping people for over 34 years.  Here is a brief overview of breast cancer.  What are breast cancer symptoms?  Is there life insurance for ex-cancer patients that had breast cancer?  How does breast cancer life insurance underwriting work?
Breast cancer is the most common invasive cancer in women, and the second main cause of cancer death in women, after lung cancer.

Advances in screening and treatment have improved survival rates dramatically since 1989. There are around 3.1 million breast cancer survivors in the United States (U.S.). The chance of any woman dying from breast cancer is around 1 in 37 or 2.7 percent.

In 2017, around 252, 710 new diagnoses of breast cancer are expected in women, and around40,610 women are likely to die from the disease.

Awareness of the symptoms and the need for screening are important ways of reducing the risk.

Breast cancer can affect men also, but this article will focus on breast cancer in women.

Fast facts on breast cancer:

Here are some key points about breast cancer.

  • Breast cancer is the most common cancer among women.
  • Symptoms include a lump or thickening of the breast and changes to the skin or the nipple.
  • Risk factors can be genetic, but some lifestyle factors, such as alcohol intake, make it more likely to happen.
  • A range of treatments is available, including surgery, radiation, and chemotherapy.
  • Many breasts are not cancerous, but any woman who is concerned about a lump or change should see a doctor.

 

Symptoms

The first symptoms of breast cancer are usually an area of thickened tissue in the breast or a lump in the breast or in an armpit.

Other symptoms include:

  • a pain in the armpits or breast that does not change with the monthly cycle
  • pitting or redness of the skin of the breast, like the skin of an orange
  • a rash around or on one of the nipples
  • a discharge from a nipple, possibly containing blood
  • a sunken or inverted nipple
  • a change in the size or shape of ...Read More

I have Hepatitis Can I still get burial/life insurance?

January 22nd, 2018
 Are you able get burial/life insurance if you have any form of hepatitis?   Yes, you can!   There are companies available that will give you a no questions asked burial/life insurance policy.  The only thing you need to do is apply for it!  How much will you pay if you want life insurance and hepatitis c, a or b?  You will have to pay more for this type of policy by around 30% more than a policy that asks health questions and is not a guaranteed issue policy.   If you apply for it at the youngest age possible, your price will be cheaper.     It may be a little more expensive but it is better than having no insurance at all.  Now let us take a brief look at Hepatitis and a few questions. Do life insurance companies test for hepatitis?  Is there hepatitis b insurance coverage?  Is there life insurance for a hepatitis b carrier?
 Hepatitis refers to an inflammation of the liver cells and damage to the liver. There are different types and causes, but the symptoms can be similar.

The liver’s functions include detoxifying the blood, storing vitamins and producing hormones. Hepatitis can disrupt these processes and create severe health problems throughout the body.

At least five viruses can cause hepatitis. The three most common are hepatitis viruses A, B and C. Infection with any of these three can be fatal.

Other types of hepatitis can result from overconsumption of alcohol or an autoimmune condition. This article will look at hepatitis A, B, and C. These are forms of hepatitis transmitted by a virus.

In the United States, the incidence of hepatitis A has been falling for the last 20 years, but acute hepatitis C has seen an increase of 44 percent between 2011 and 2012.  Hi, I’m Mitch Winstead from Allstar Senior Benefits.  If you want a free quote for burial/life insurance, call us today at our toll-free number 866-598-8170 or 910-538-4547.  Visit us at our website at https://www.allstarseniorbenefits.com.

Our email address is mitch@allstarseniorbenefits.com and Facebook page is www.facebook.com/medsuppguru.  We have been helping people for over 34 years.

 

Types

Hepatitis has several different types, but the symptoms of each are similar. Hepatitis can take acute and chronic forms.

The three main types of hepatitis are known as hepatitis A, B, and C. Each is caused by a different virus. All three types can be acute, lasting for 6 months or less, and types B and C can be chronic, lasting for longer.

Each type has different characteristics and is transmitted in different ways, but symptoms tend to be similar.

Hepatitis A

In the United States (U.S.), 1390 of hepatitis A were reported in 2015.

It is often mild, and most people make a full recovery, after which they are immune and therefore protected from the virus in the future. However, if it progresses, symptoms can be severe or life-threatening.

People in parts of the world with poor sanitation are particularly at risk of contracting HAV.

There are safe and effective vaccines ...Read More


I have Muscular Dystrophy- Can I get burial/life insurance?

January 19th, 2018

Muscular dystrophy is a group of diseases that cause progressive weakness and loss of muscle mass. In muscular dystrophy, abnormal genes (mutations) interfere with the production of proteins needed to form healthy muscle.

There are many different kinds of muscular dystrophy types. Symptoms of the most common variety begin in childhood, primarily in boys. Other types don’t surface until adulthood.

Can someone who has Muscular Dystrophy get burial/life insurance?  Yes !  you can.  Fortunately, you can get a guaranteed issue whole life policy.  Hi, I am Mitch Winstead from Allstar Senior Benefits. If you would like a quote with no obligation our toll-free number is 866-598-8170 or 910-538-4547.  Our website is https://www.allstarseniorbenefits.com  Our Facebook page is www.facebook/medsuppguru.  Our email address is mitch@allstarseniorbenefits.com.  We have been helping people for over 34 years.    This is a policy that builds cash value within 18-24 months.  It is a permanent policy that lasts your WHOLE life, not a term life policy that may end in 10-20 years.   IS it affordable, yes it is.  You may pay 30 % more for your policy.  It is better than having no policy at all.  The younger you get your policy the better.  Your policy cannot be canceled for any reason unless you do not pay your premium.  After your policy has cash value, you can use that to pay your premiums if you get into a financial jam.  Before I got in the business of being an insurance broker, I worked as a Physical Therapist Assistant.  I have been licensed for almost 24 years.  I helped a few people with MD.  I still help some patients every week get better from a variety of health issues.  I co-own a physical practice called Physical Therapy for Life.   Now back to the subject of MD.

 Some people who have muscular dystrophy will eventually lose the ability to walk. Some may have trouble breathing or swallowing. In reading some of the literature, as far as lifespan is concerned, some people may experience a normal lifespan while others may pass away around the age of 20.

There is no cure for muscular dystrophy. But medications and therapy can help manage symptoms and slow the course of the disease.

Symptoms

The main sign of muscular dystrophy is progressive muscle weakness. Specific signs and symptoms begin at different ages and in different muscle groups, depending on the type of muscular dystrophy.

Duchenne muscular dystrophy

About half of people with muscular dystrophy have this variety. Although girls can be carriers and mildly affected, the disease typically affects boys.

About one-third of boys with Duchenne muscular dystrophy don’t have a family history of the disease, possibly because the gene involved may be subject to sudden abnormal change (spontaneous mutation).

Signs and symptoms typically appear between the ages of 2 and 3, and may include:

  • Frequent falls
  • Difficulty getting up from a lying or sitting position
  • Trouble running and jumping
  • Waddling gait
  • Walking on the toes
  • Large calf muscles
  • Muscle pain and stiffness
  • Learning disabilities

Becker muscular dystrophy

Signs and symptoms ...Read More


I have Bi-polar disorder Am I eligible for life insurance?

January 18th, 2018

 

What is Bipolar Disorder?

Is life/burial insurance available for people with bipolar disorder?  Yes!   Fortunately, there is a guaranteed whole life insurance policy available.  Hello, I am Mitch Winstead with Allstar Senior Benefits.   Call Today for your free quote with no obligations.  Or toll-free number is 866-598-8170 or 910-538-4547.   Our website is www.allstarseniorbenefits.com   Our email is mitch @allstarseniorbenefits.com.  We have a Facebook page called Allstar Senior Benefits.  we have been helping people for over 34 years.  Life insurance bipolar disorder.  In this article let us take a closer look at bipolar disorder.   Is getting life insurance with a mental illness possible?   Have you watched the movie Silver Linings Playbook?  It has Robert DeNiro, Jennifer Lawrence and Bradley Cooper in it.  It is a great movie about mental illness.  I won’t tell you about the movie in case you have not seen it.

Bipolar disorder is a mental health disorder characterized by extreme highs and lows in mood and energy. While everyone experiences ups and downs, the severe shifts that happen in bipolar disorder can have a serious impact on a person’s life. More than 3.3 million American adults (1.7%) suffer from bipolar disorder in a given year.

Contrary to how it is sometimes used in conversation, a diagnosis of bipolar disorder does not mean a person is highly emotional but rather refers to someone who experiences extended periods of mood and energy that are excessively high and or/irritable to sad and hopeless, with periods of normal mood in between.

It typically begins in adolescence or early adulthood and continues throughout life. It is often not recognized as an illness and people who have it may suffer needlessly for years.

Bipolar disorder can be extremely distressing and disruptive for those who have this disease, their spouses, family members, friends, and employers. Although there is no known cure, bipolar disorder is treatable, and recovery is possible. Individuals with bipolar disorder can and do have successful relationships and meaningful jobs. The combination of medication, therapy, healthy lifestyle and support helps the vast majority of people return to productive, fulfilling lives.

“Bipolar disorder is treatable, and recovery is possible.”

What Causes Bipolar Disorder?

Although a specific genetic link to bipolar disorder has not been pinpointed, research shows that bipolar disorder tends to run in families.

People may inherit a tendency to develop the illness, which can then be triggered by environmental factors such as distressing life events.

Brain development, structure, and chemicals called neurotransmitters, which act as messengers between nerve cells, are also thought to play a role in the development of bipolar disorder.

What are the Symptoms of Bipolar Disorder?

Bipolar disorder is often difficult to recognize and diagnose. It causes a person to have a high level of energy, unrealistically expansive thoughts or ideas, and impulsive ...Read More


Life insurance with depression Can I still get life insurance?

January 11th, 2018

Depression is a mood disorder that causes a persistent feeling of sadness and loss of interest. Also called major depressive disorder or clinical depression, it affects how you feel, think and behave and can lead to a variety of emotional and physical problems. You may have trouble doing normal day-to-day activities, and sometimes you may feel as if life isn’t worth living.  Hello, I am Mitch Winstead with Allstar Senior Benefits.  Life insurance with depression.

Do antidepressants affect life insurance premiumsLife insurance for those with mental illness.  Can a person be approved for life insurance if they have depression?  Yes!  There are companies we have that will approve you for a whole life insurance policy.  How much will you pay?  Typically around 30% more for a guaranteed whole life policy.  This means you will not have to answer ANY health questions.  You would receive a “graded” life insurance policy.  This means in the first 2-3 years the policy is in effect, if you were to die, your beneficiary would receive 100-110% of your premiums that you paid.  After the 2-3 year period, if you had a 10,000 policy, your beneficiary would receive the full$10,000  Call today for your “no pressure” quote.  Our toll-free number is 866-598-8170  or 910-538-4547.  Our website is www.allstarseniorbenefits.com  Our facebook page is Allstar Senior Benefits or www.facebook.com/medsuppguru.

Depression is more than just a bout of the blues, depression isn’t a weakness and you can’t simply “snap out” of it. Depression may require long-term treatment. But don’t get discouraged. Most people with depression feel better with medication, psychotherapy or both.

 

Symptoms

Although depression may occur only once during your life, people typically have multiple episodes. During these episodes, symptoms occur most of the day, nearly every day and may include:

  • Feelings of sadness, tearfulness, emptiness or hopelessness
  • Angry outbursts, irritability or frustration, even over small matters
  • Loss of interest or pleasure in most or all normal activities, such as sex, hobbies or sports
  • Sleep disturbances, including insomnia or sleeping too much
  • Tiredness and lack of energy, so even small tasks take extra effort
  • Reduced appetite and weight loss or increased cravings for food and weight gain
  • Anxiety, agitation or restlessness
  • Slowed thinking, speaking or body movements
  • Feelings of worthlessness or guilt, fixating on past failures or self-blame
  • Trouble thinking, concentrating, making decisions and remembering things
  • Frequent or recurrent thoughts of death, suicidal thoughts, suicide attempts or suicide
  • Unexplained physical problems, such as back pain or headaches

For many people with depression, symptoms usually are severe enough to cause noticeable problems in day-to-day activities, such as work, school, social activities or relationships with others. Some people may feel generally miserable or unhappy without really knowing why.

Depression symptoms in children and teens

Common signs and symptoms of depression in children and teenagers are similar to those of adults, but there can be some differences.

  • In younger children, symptoms of depression may include sadness, irritability, clinginess, worry, aches, and pains, refusing to go to school or being underweight.
  • In teens, symptoms may include sadness, irritability, feeling negative and worthless, anger, ...Read More

Alcohol and Drug Abuse Can I still get life/burial insurance?

January 8th, 2018

 

 Can you get life/burial insurance if you have a history or currently overuse or abuse alcohol (alcohol abuse) or other drugs?   Yes, you can.    Fortunately, you can get a guaranteed issue whole life policy with no questions asked.  Hi, I am Mitch Winstead with Allstar Senior Benefits.   Call today for a quote with no obligation.Accepted   Our toll-free number is 866-598-8170 or 910-538-4547.  Our website is www.allstarseniorbenefits.com.  We have a Facebook page called  Allstar Senior Benefits.  How much will you pay for a guaranteed issue policy?  Typically you will pay approximately 30% more than a preferred rated class of whole life.  However, it is still affordable.  It is better than having nothing at all.  You would get a permanent life/burial insurance policy.  Your benefits would never decrease and your premiums will never increase.  You will get a “graded” life insurance policy.  This means in the first 2-3 years if you passed away your loved ones would receive 100 to 110% of the premiums you paid into the policy.  After that “graded” period, your beneficiary would receive the full face amount. So if you had a $10,000 policy your loved ones would get $10,000.  The younger you get burial insurance, the cheaper it is.  Most of us these days know someone who has struggled with alcohol or drug abuse.  Life insurance and drug use. Some people may think getting life insurance is impossible if they have used drugs or alcohol. Before I became an insurance broker, I helped people with Physical Therapy, I encountered a few people that were addicted to drugs. Some were sad stories.  Most of them did well with their Physical Therapy. I still help people on a part-time basis and I co-own a Physical Therapy practice called Physical Therapy for Life.  Some questions may arise for instance, does life insurance pay for an accidental overdose? It depends on the company a person has.  It also depends on the type of policy they have.  Usually what happens is that the company will do an investigation before they disburse any monies to a beneficiary. If the policy is in good standing and there are no clauses in the policy then the insurance company has to pay out. Another question- Is there life insurance for recovering addicts?   This article is a brief overview of alcohol and drug use.

Alcohol

Alcohol abuse causes over 100,000 deaths in the United States and Canada each year. It is the drug most commonly abused by children ages 12 to 17. Alcohol-related car crashes are the leading cause of death in teenagers. People who drink alcohol are more likely to engage in a high-risk sexual behavior, have poor grades or job performance, use tobacco products, and experiment with illegal drugs. Alcohol and drug use may be an unconscious attempt at self-treatment for another problem, such as depression.

You have an alcohol problem if your use of alcohol interferes with your health or ...Read More


Can you get life/burial insurance with Down’s Syndrome?

January 5th, 2018

 

Down syndrome is a genetic disorder caused when abnormal cell division results in an extra full or partial copy of chromosome 21. This extra genetic material causes the developmental changes and physical features of Down syndrome.  Is life/burial insurance available for people who have Down’s syndrome?  Yes!   Hi, my name is Mitch Winstead from Allstar Senior Benefits. Thankfully, there a lot of companies that will offer someone with this condition life/burial insurance.  You can get a whole life guaranteed issue policy.  This means your premiums never increase and your benefits never decrease! Call today for a free no obligation quote. Our toll-free number is 866-598-8170 or 910-538-4547.  You will pay around 30% more for this type of policy.  However, it is better than having NO burial/life insurance at all.   It is still affordable.   There is special needs life insurance available. If you get life/burial insurance at a younger age it will be cheaper than waiting. I have a background in Physical Therapy.  I remember doing some visits to a pediatric physical therapy clinic while in college.  It takes a special person to work with Down’s syndrome patients.

Down syndrome varies in severity among individuals, causing lifelong intellectual disability and developmental delays. It’s the most common genetic chromosomal disorder and cause of learning disabilities in children. It also commonly causes other medical abnormalities, including heart and gastrointestinal disorders.

 A better understanding of Down syndrome and early interventions can greatly increase the quality of life for children and adults with this disorder and help them live fulfilling lives.

Symptoms

Each person with Down syndrome is an individual — intellectual and developmental problems may be mild, moderate or severe. Some people are healthy while others have significant health problems such as serious heart defects.

Children and adults with Down syndrome have distinct facial features. Though not all people with Down syndrome have the same features, some of the more common features include:

  • Flattened face
  • Small head
  • Short neck
  • Protruding tongue
  • Upward slanting eyelids (palpebral fissures)
  • Unusually shaped or small ears
  • Poor muscle tone
  • Broad, short hands with a single crease in the palm
  • Relatively short fingers and small hands and feet
  • Excessive flexibility
  • Tiny white spots on the colored part (iris) of the eye called Brushfield’s spots
  • Short height

Infants with Down syndrome may be average size, but typically they grow slowly and remain shorter than other children the same age.

Intellectual disabilities

Most children with Down syndrome have mild to moderate cognitive impairment. Language is delayed, and both short and long-term memory is affected.

When to see a doctor

Children with Down syndrome usually are diagnosed before or at birth. However, if you have any questions regarding your pregnancy or your child’s growth and development, talk with your doctor.Heart disease symptoms

Causes

Human cells normally contain 23 pairs of chromosomes. One chromosome in each pair comes from your father, the other from ...Read More


I have Parkinson’s disease Am I able to get burial insurance?

January 3rd, 2018

 Parkinson’s Disease

Parkinson’s disease mostly affects older people but can also occur in younger adults. The symptoms are the result of the gradual degeneration of nerve cells in the portion of the midbrain that controls body movements. The first signs are likely to be barely noticeable — a feeling of weakness or stiffness in one limb, or a fine trembling of one hand when it is at rest. Eventually, the shaking (tremor) worsens and spreads, muscles become stiffer, movements slow down, and balance and coordination deteriorate. As the disease progresses, depression, cognitive issues, and other mental or emotional problems are common.

Parkinson’s disease usually begins between the ages of 50 and 65, striking about 1% of the population in that age group; it is slightly more common in men than in women. Medication can treat its symptoms and decrease the disability.  Hi, I am Mitch Winstead from Allstar Senior Benefits.  Are you able to get burial insurance if you have Parkinson’s disease?  Yes!  you can. There is burial insurance for seniors.  Also for younger people.  You may pay 30% more for it.  It is still affordable and the younger you get burial insurance the cheaper it is.  The main point is that you can get insurance.  Call today for a quote with no obligation.  You can get a whole life insurance policy that builds cash value after 18-24 months.  Your benefits never increase and your premiums never decrease.  Our toll-free number is 866-598-8170 or 910-538-4547. Email is mitch@allstarseniorbenefits.com.  Our website is www.allstarseniorbenefits.com. We have been helping people for over 34 years.

Before I became an Insurance broker,  I was a Physical Therapist Assistant.  I have helped several people with Parkinson’s disease.  I helped them walk better.  I have helped them with coordination and balance and strengthening.  I still help people on a part-basis today. I co-own a Physical therapy practice called Physical Therapy for Life. Most of the patients I have had done well with their rehab.  My uncle had Parkinson’s disease.  Michael J. Fox has Parkinson’s disease. Muhammud Ali had Parkinson’s disease.  I am sure there are many others, those are the ones that pop up in my head.  I am going to attempt to give you an overview of Parkinson’s disease.

What Causes Parkinson’s Disease?

Body movements are regulated by a portion of the brain called the basal ganglia, whose cells require a proper balance of two substances called dopamine and acetylcholine, both involved in the transmission of nerve impulses. In Parkinson’s, cells that produce dopamine begin to degenerate, throwing off the balance of these two neurotransmitters. Researchers believe that genetics sometimes plays a role in this cellular breakdown. In rare instances, Parkinson’s disease may be caused by a viral or by exposure to environmental toxins such as pesticides, carbon monoxide, or the metal manganese. But in the great majority of Parkinson’s cases, the cause is unknown.

Parkinson’s disease is a form ...Read More


I have Multiple Sclerosis Can I get burial/life insurance?

December 29th, 2017

Multiple Sclerosis (MS) is another disease that I wish wouldn’t exist.   Hi, I am Mitch Winstead from Allstar Senior Benefits.  If you have MS, can you get burial insurance?  Yes!  You can get whole life insurance with multiple sclerosis with no questions asked.  How much would you pay for it? How do MS and life insurance work? You would pay around 30% more for a guaranteed issue policy.  It is better than not having a burial insurance policy.  Would you leave that burden on your loved ones?  It is not the financially responsible thing to do.  However, some people don’t care.  Our company can help you find a reasonably priced policy for you.  We have been helping people for over 34 years.  How does a guaranteed issue policy work? Does life insurance payout for (MS)?  For the first 2-3 years, if you pass away, your beneficiary would receive 110% of your premiums you paid.  After the 2-3 years of the “graded” period, your beneficiary would receive the full face amount or your policy. So if you purchased a $10,000 policy they would receive the full amount.  If you have any questions about how this works or your options, please call us at our toll-free number 866-598-8170 or 910-538-4547.  Our email is mitch@allstarseniorbenefits.com   Our website is www.allstarseniorbenefits.com.  We have a Facebook page which is Allstar Senior Benefits or www.facebook.com/medsuppguru. today. Call us today for a quote with no obligation. 

 

Multiple sclerosis (MS) is a potentially disabling disease of the brain and spinal cord (central nervous system).

In MS, the immune system attacks the protective sheath (myelin) that covers nerve fibers and causes communication problems between your brain and the rest of your body. Eventually, the disease can cause the nerves themselves to deteriorate or become permanently damaged.

Signs and symptoms of MS vary widely and depend on the amount of nerve damage and which nerves are affected. Some people with severe MS may lose the ability to walk independently or at all, while others may experience long periods of remission without any new symptoms.

There’s no cure for multiple sclerosis. However, treatments can help speed recovery from attacks, modify the course of the disease and manage symptoms.

Symptoms

  • Numbness or weakness in one or more limbs that typically occurs on one side of your body at a time, or the legs and trunk
  • Partial or complete loss of vision, usually in one eye at a time, often with pain during eye movement
  • Prolonged double vision
  • Tingling or pain in parts of your body
  • Electric-shock sensations that occur with certain neck movements, especially bending the neck forward (Lhermitte sign)
  • Tremor, lack of coordination or unsteady gait
  • Slurred speech
  • Fatigue
  • Dizziness
  • Problems with bowel and bladder function

When to see a medical doctor

See a doctor if you experience ...Read More


I have Heart Disease. Would I be approved for burial insurance?

December 28th, 2017

The term “heart disease” is often used interchangeably with the term “cardiovascular disease.” Cardiovascular disease generally refers to conditions that involve narrowed or blocked blood vessels that can lead to a heart attack, chest pain (angina) or stroke.   Can you get burial insurance if you have had a heart attack or have heart disease?  The good thing is yes you can. Does life insurance cover heart attack?  You would think after a person has a heart attack or heart disease that an insurance company would not touch them with a ten-foot pole.   Fortunately, there are several companies that will offer a guaranteed issue whole life policy. in this article, we will learn about heart disease and life insurance.  Coronary artery disease and life insurance and also general heart disease and lifestyle.   Will you pay more for burial insurance? Yes, but it is affordable and it is better than having no insurance at all. My name is Mitch Winstead from Allstar Senior Benefits. Our toll-free number which is 866-598-8170 or 910-538-4547.  Our website is www.allstarseniorbenefits.com  My email address is mitch@allstarseniorbenefits.com.   Call today for a “no pressure” quote.  My first profession is a Physical Therapist Assistant.  I still do some part-time work helping people rehab from various conditions.   I have spent a lot of time with patients who have heart disease.  Sometimes it’s after a triple bypass surgery and they need to get stronger and back on their feet from the surgery and being inactive for a while.

Symptoms

Heart disease symptoms depend on what type of heart disease you have. Symptoms of heart disease in your blood vessels (atherosclerotic disease)
Cardiovascular disease symptoms may be different for men and women. For instance, men are more likely to have chest pain; women are more likely to have other symptoms along with chest discomfort, such as shortness of breath, nausea and extreme fatigue.

Symptoms can include:

Chest pain, chest tightness, chest pressure and chest discomfort (angina)
Shortness of breath
Pain, numbness, weakness or coldness in your legs or arms if the blood vessels in those parts of your body are narrowed
Pain in the neck, jaw, throat, upper abdomen or back
You might not be diagnosed with cardiovascular disease until you have a heart attack, angina, stroke or heart failure. It’s important to watch for cardiovascular symptoms and discuss concerns with your doctor. Cardiovascular disease can sometimes be found early with regular evaluations.

Heart disease symptoms caused by abnormal heartbeats (heart arrhythmias)
A heart arrhythmia is an abnormal heartbeat. Your heart may beat too quickly, too slowly or irregularly. Heart arrhythmia symptoms can include:

Fluttering in your chest
Racing heartbeat (tachycardia)
Slow heartbeat (bradycardia)
Chest pain or discomfort
Shortness of breath
Lightheadedness
Dizziness
Fainting (syncope) or near fainting
Heart disease symptoms caused by heart defects
Serious congenital heart defects — defects you’re born with — usually become evident soon after birth. Heart defect symptoms in children could include:

Pale ...Read More


Quadriplegia and burial insurance Would I be accepted?

December 22nd, 2017

Quadriplegia

Paralysis can be either partial, periodic, complete, or incomplete. Paralysis of both the arms and legs has been traditionally been called quadriplegia.  Is there life insurance for quadriplegic patients?  Yes!   My name is Mitch Winstead from Allstar Senior Benefits.  Our toll-free number is 866-598-8170 or 910-538-4547.  Our website is www.allstarseniorbenefits.com.    I have companies that will give you a whole life policy with no questions asked.     Believe it or not, they are affordable.  Especially if you purchase it at the youngest age possible.  You will get a permanent burial insurance, not term insurance which only lasts in most cases 10-20 years. This type of policy is called a guaranteed issue policy.  That means for the first 2-3 years your beneficiary receives 110% of your premiums you paid.  After that, if you have a$10,000 policy, your beneficiary will receive the full amount.   Your benefits won’t decrease and your premiums never increase.   Before going on to a brief overview on quadriplegia, allow me to tell you a little about myself.  Before I became an insurance broker, I worked full time as a Physical Therapist Assistant.  It is a specialized degree.  I had the chance to work with patients that had quadriplegia.  I remember during my college years how we spent time learning firsthand from people who have quadriplegia.  I cannot imagine what that is like.  I met a young man around 30 years old that got hurt while skiing.   He had videos that showed him skiing or snowboarding.  I felt bad for him at such a young age and that doesn’t take away from older patients afflicted.   One really sad story is another young patient who was doing well living by himself.  Some people broke into his house and beat him.  That is just cruel.   During my college years, I heard about the actor Christopher Reeve who had a spinal cord injury.  He died and now has a foundation to help people.  Here is a brief overview.

Quad comes from the Latin for four and plegia comes from the Greek for inability to move. Currently, the term tetraplegia is becoming more popular, but it means the same thing. Tetra is  Greek for inability to move.

The primary cause of quadriplegia is a spinal cord injury, but other conditions such as cerebral palsy and strokes can cause a similar appearing paralysis. The amount of impairment resulting from a spinal cord injury depends on the part of the spinal cord injured and the amount of damage done. Injury to the spinal cord can be devastating because the spinal cord and the brain are the main parts of the central nervous system, which sends messages throughout your body.

When the spinal cord is injured the brain cannot properly communicate with it and so sensation and movement are impaired. The spinal cord is not the spine itself; it is the nerve system encased in the vertebrae and discs which make up the spine.

Quadriplegia and Functionality

Quadriplegia occurs when the ...Read More


Life Insurance and Leukemia Would I be approved?

December 21st, 2017

Leukemia is cancer of the body’s blood-forming tissues, including the bone marrow and the lymphatic system. Are you able to get a life insurance policy? Yes! you can! I have companies available that will provide people life insurance with leukemia with no questions asked. Call today for your “no pressure” quote toll-free 866-598-8170 or 910-538-4547 More on this later. Here is some education about Leukemia.

As a kid growing up, I remember the March of Dimes. I can still picture the dimes on their card they would hand out. Or it would be displayed in some grocery stores. I can remember tv shows about leukemia and one of the symptoms would a high white count. I did not know back then that I would become an insurance broker.

Many types of leukemia exist. Some forms of leukemia are more common in children. Other forms of leukemia occur mostly in adults. Leukemia usually involves the white blood cells. Your white blood cells are potent infection fighters — they normally grow and divide in an orderly way, as your body needs them. But in people with leukemia, the bone marrow produces abnormal white blood cells, which don’t function properly.

Treatment for leukemia can be complex — depending on the type of leukemia and other factors. But there are strategies and resources that can help to make your treatment successful.

Signs and symptoms

Photograph of petechiae on leg and abdomen that show Petechiae- this looks sort of like red and purple spots on the skin.
Leukemia symptoms vary, depending on the type of leukemia. Common leukemia signs and symptoms include:

Fever or chills
Persistent fatigue, weakness
Frequent or severe infections
Losing weight without trying
Swollen lymph nodes, enlarged liver or spleen
Easy bleeding or bruising
Recurrent nosebleeds
Tiny red spots on your skin (petechiae)
Excessive sweating, especially at night
Bone pain or tenderness
When to see a doctor
Make an appointment with your doctor if you have any persistent signs or symptoms that worry you.

Leukemia symptoms are often vague and not specific. You may overlook early leukemia symptoms because they may resemble symptoms of the flu and other common illnesses.
Rarely, leukemia may be discovered during blood tests for some other condition.

Causes

Illustration showing lymphatic system
Lymphatic system
Scientists don’t understand the exact causes of leukemia. It seems to develop from a combination of genetic and environmental factors.

How leukemia forms

In general, leukemia is thought to occur when some blood cells acquire mutations in their DNA — the instructions inside each cell that guide its action. There may be other changes in the cells that have yet to be fully understood could contribute to leukemia.

Certain abnormalities cause the cell to grow and divide more rapidly and to continue living when normal cells would die. Over time, these abnormal cells can crowd out healthy blood cells in the bone marrow, leading to fewer healthy white blood cells, red blood cells, and platelets, causing the signs and symptoms of leukemia.

How leukemia is classified

Doctors classify leukemia based on its speed of progression and ...Read More


Huntington’s disease and life insurance

December 20th, 2017

Huntington’s disease is an inherited disease that causes the progressive breakdown (degeneration) of nerve cells in the brain. Huntington’s disease symptoms have a broad impact on a person’s functional abilities and usually results in movement, thinking (cognitive) and psychiatric disorders.  Can I get life insurance if I have Huntington’s disease?  Yes !  You can purchase a guaranteed issue whole life insurance policy.  There are NO questions asked. More on this below.

 Most people with Huntington’s disease develop signs and symptoms in their 30s or 40s. But the disease may emerge earlier or later in life.

When the disease develops before age 20, the condition is called juvenile Huntington’s disease. An earlier emergence of the disease often results in a somewhat different set of symptoms and faster disease progression.

Medications are available to help manage the symptoms of Huntington’s disease, but treatments can’t prevent the physical, mental and behavioral decline associated with the condition.

Hi, I am Mitch Winstead with Allstar Senior Benefits.  Our toll-free number is 866-598-8170 or 910-538-4547.  Email is mitch@allstarseniorbenefits.com.  Our website is www.allstarseniorbenefits.com Call today for your “no pressure” quote.  You can purchase a guaranteed issue whole life policy.  The application has NO questions to qualify.  It is permanent life insurance.  Your premiums never increase and your benefits never decrease.   You will have to pay a higher premium to get this insurance.  The point is that you CAN get it.  This will be a graded policy.  That means your beneficiary will receive 110% of your premiums you pain if you pass away in the first 2-3 years of the policy.  After the 2-3 year period, your beneficiary will receive the full face amount of the policy.  So if you purchased $10,000 then after that waiting or graded period the $10,000 is available.  Some companies offer an accidental death benefit which means if you die in an accident your beneficiary will receive double your face amount based on the graded period.  If you have questions, please contact us.  Let’s take a closer look at this disease below.

Symptoms

Huntington’s disease usually causes movement, cognitive and psychiatric disorders with a wide spectrum of signs and symptoms. Which symptoms appear first varies greatly among affected people. During the course of the disease, some disorders appear to be more dominant or have a greater effect on functional ability.

Movement disorders

The movement disorders associated with Huntington’s disease can include both involuntary movement problems and impairments involuntary movements, such as:

  • Involuntary jerking or writhing movements (chorea)
  • Muscle problems, such as rigidity or muscle contracture (dystonia)
  • Slow or abnormal eye movements
  • Impaired gait, posture, and balance
  • Difficulty with the physical production of speech or swallowing

Impairments involuntary movements — rather than the involuntary movements — may have a greater impact on a person’s ability to work, perform daily activities, communicate and remain independent.

Cognitive disorders

Cognitive impairments often associated with Huntington’s disease include:

  • Difficulty organizing, prioritizing or focusing on tasks
  • Lack of flexibility or the tendency to get stuck on a thought, behavior or action (perseveration)
  • Lack of impulse control ...Read More

Life insurance and Sarcoidosis Would I be able to get a policy?

December 19th, 2017

Sarcoidosis is a condition that has affects 200,000 cases a year.  Treatment can help but this condition cannot be cured.  Life insurance and sarcoidosis?   Would I be accepted?  Yes, you would be!   Sarcoidosis is an inflammatory disease that can affect organs and multiple areas of the body including the lungs, eyes, skin and in some cases the heart.  Doctors believe sarcoidosis results from the body’s immune system responding to an unknown substance, most likely something inhaled from the air.  Signs and symptoms of sarcoidosis vary depending on which organs are affected. Sarcoidosis sometimes develops gradually and produces symptoms that last for years.   Other times, symptoms appear suddenly and then disappear just as quickly.  Hi, my name is Mitch Winstead with Allstar Senior Benefits.  Our toll-free number is 866-598-8170 or 910-538-4547.  Email is mitch@allstarseniorbenefits.com.  Our website is www.allstarseniorbenefits.com.  Call today for your “no pressure” quote.    

 

Many people have no symptoms, so the disease may be discovered only when you have a chest x-ray.  Many people experience symptoms of fatigue, fever, swollen lymph nodes and weight loss.  Also, there are symptoms that affect the lungs such as a persistent cough, shortness of breath, wheezing and chest pain.   There are also skin symptoms such as nodules growing under the skin, disfiguring lesions, on the cheeks, nose and ears, rash or red and purple bumps usually located on the shins or ankles which may be warm and tender to the touch.  Blurred vision, eye pain, severe redness and sensitivity to light.  Heart symptoms may include chest pain, irregular heartbeat, and swelling caused by excess fluid.  

Doctors do not know the exact cause of sarcoidosis.  Some people appear to have a genetic predisposition to develop the disease.  Which may be triggered by bacteria, viruses, dust or chemicals.   This triggers an overreaction of your immune system and immune cells begin to collect in a pattern of inflammation called granulomas. As granulomas build up in an organ the function of that organ can be affected.  

Risk factors that may increase your risk include:

Age and sex.  Sarcoidosis often occurs between the ages of 20 and 40.  Women are slightly more likely to develop the disease.

Race.  African- Americans have a higher incidence of sarcoidosis than do white Americans.  Also, sarcoidosis may be more severe and may be likely to recur and cause lung problems in African-Americans.

Family history  If someone in your family has had sarcoidosis, you are more likely to develop the disease.

 

ComplicationsSome medications can help the symptoms of Sarcoidosis

For most people, sarcoidosis resolves on its own with no lasting consequences.  But sometimes it causes long-term problems.

Lungs-Untreated pulmonary sarcoidosis can lead to permanent scarring in your lungs, making it difficult to breathe.

Eyes- Inflammation can affect almost ...Read More


Stroke and life insurance Would I be accepted?

December 15th, 2017

Cerebral vascular accident  (CVA) or stroke claim around 795,000 of victims each year.   The definition of a CVA is the sudden death of brain cells due to a lack of oxygen caused by blockage of blood flow or rupture of an artery to the brain.  Symptoms are a sudden loss of speech, weakness, or paralysis of one side of the body. these are just a few symptoms of a stroke. Stroke is the 5th leading cause of death is the United States.  The Mexican American population has a higher risk. Some of the questions I get asked is does life insurance cover stroke?  Or is there life insurance for stroke patients?  Yes! you can get life insurance.

 

Hi, my name is Mitch Winstead with Allstar Senior Benefits. Our toll-free number is 866 598 8170 or 910 538-4547. my email address is Mitch@all starseniorbenefits.com.  Our website is www.allstarseniorbenefits.com  Call me today for your “no pressure” quote.

 

Strokes cause a lot of disappointment, anger frustration to their victims. In my first profession as a physical therapist assistant, I have helped many people rehab after they’ve had a stroke. Not all Strokes are created equal. some people especially when they’re younger can have a stroke and only feel the effects for a few weeks a few days for a few months. Then they recover like they never had a stroke before. Other people especially when they’re older are not so lucky. I have personally seen people who have terrible circumstances after they’ve had a stroke. if you could just imagine A woman or a man that has provided for their family all their lives. Now after they’ve had a stroke is disabled and have to have someone to wait on her or him. I could not imagine having a stroke and having to go through some of the problems and difficulties that I’ve seen people face. some of them have taken it better than others. some get very angry and depressed because they cannot walk they cannot feed themselves anymore and some of them may have to be in a wheelchair the rest of their lives. One of the worst scenarios that can happen is that someone has just broken a hip and had it repaired by surgery and then has a stroke. this happens to more people and you think.

 

I have had the pleasure to work with some of these people and they put on a brave face and did the best they could with their rehab. I couldn’t always meet their goals but I hope I had helped them in some way. I had one gentleman that he and his wife love to dance. they would go out each weekend and meet with her friends and dance the night away. since he has had a stroke he is in a wheelchair And obviously cannot dance any longer. I ...Read More


I have Peripheral Vascular Disease Can I get Life Insurance?

December 13th, 2017

Peripheral vascular disease definition.   It is a slow and progressive disorder caused by narrowing, blockage, or spasms in the blood vessel.  PVD is a medical issue that can affect your ability to get quality life insurance.  PVD / PAD may also raise your life insurance premiums. pain in the calves, buttock pain, weakness, burning, or aching in the feet or toes while resting.  Peripheral vascular disease symptoms may include The focus of this article is to answer some questions regarding how to get a policy after you receive your diagnosis.

No matter who you are or where you are in life, it’s always a good idea to get life insurance. This way, you provide for your family when you die. Your life insurance policy benefit can help your family replace your income, pay bills and keep a roof over their heads.  The point is to keep your loved ones from struggling with finances after you die.

Hi, I’m Mitch Winstead with Allstar Senior Benefits.  Call today for your “no pressure” quote.  Our toll-free number is 866-598-8170 or 910-538-4547   Our website is www.allstarseniorbenefits.com My email is mitch@allstarseniorbenefits.com

 Life insurance companies are paying more attention to PVD than they did in the past. The reason for this stems from more research coming out about PVD. Therefore, life insurance companies will approach this disease with caution though coronary artery disease (CAD) is the far bigger health risk.

PVD might have life threatening consequences. What’s important to remember here, though, is that each insurance company is different. Just having a cardiovascular problem doesn’t preclude you from getting life insurance with peripheral vascular disease. You have several situations to consider for getting life insurance with PVD. Results depend on individual circumstances. Use your situation as a guideline rather than a definitive ruling. Again, different companies have various rules.

 You might worry that your PVD could impact your ability to get life insurance. It’s more important to think about the different factors that go into your insurer’s decision.

Let’s take a look at what underwriters consider before issuing or denying a policy. As always, keep in mind that these are just guidelines and every case will be unique.

AGE

 If your PVD is severe and you are under 40, then it can present a much higher risk to the life insurance company.  Cardiovascular problems at an early age are usually an indicator of major cardiovascular problems later in life.

When you have mild PVD and are over 60, then a life insurance company may perceive your risk as much lower. As you age some atherosclerosis expected, even normal.  Hence, these factors can impact ...Read More


Oh no, I have cancer. Can I get life insurance with cancer?

December 8th, 2017

Cancer is the second leading cause of death.   However, it doesn’t mean you can’t get burial insurance for cancer patients. In fact, it won’t prevent you from purchasing an affordable policy.  Hello, my name is Mitch Winstead fromAllstarr Senior Benefits.   Our agency has over 34 years of experience.  We have helped thousands of people.  My toll-free number is 866-598-8170 or 910-538-4547.  Email address is mitch@allstarseniorbenefits.com  Website www.allstarseniorbenefits.com   Call today for your “no pressure” quote

Cancer is the second leading cause of death in the United States according to the American Cancer Society. We have helped many cancer clients secure an affordable final expense life insurance policy, so they could attain the peace of mind they are looking for.

Today, we will break down how we helped other cancer patients, and shed some light on this often misunderstood topic.

In this article, you will find out precisely how life insurance companies respond to cancer, what to expect, and how to find the best burial insurance for cancer patients.

 Burial Insurance After Cancer

This probably comes as no surprise, but cancer is one of those health conditions that EVERY life insurance company will ask about. The key thing to understand is, every funeral insurance company has different underwriting. As such, they all have different guidelines and offers.

The truth is, and depending on when you last had it, it may turn out that your bout with cancer has no negative impact whatsoever on getting burial insurance. As a matter of fact, if you have cancer now, you are still eligible for a burial insurance policy, and it won’t cost an arm and a leg. One thing you must come to terms with is that a waiting period may be unavoidable with every insurance carrier depending on when you had the cancer and what type it was. At the end of the day, there is no scenario where we cannot find you an affordable burial insurance policy no matter how many times you had cancer, what kind, or when. We can help everyone. The key is to let a highly experienced final expense agency like Allstar Senior Benefits help you evaluate all your options.

 

Burial insurance for terminally ill people does not require physicals or medical exams. All you will ever do is answer some questions about your health. No stranger will ever need to invade your personal space.

If you have cancer now, we pray you get well soon. If you had cancer, we pray you beat it once and for all, and hope it never comes back. No matter what, there are always burial insurance options for you. We will help you sort through the details to find what your best and lowest cost choices will be.

How Final Expense Companies Underwrite Cancer

Not surprisingly, EVERY single funeral insurance application will ask about cancer in some way. The key thing to remember is that every company has their own unique underwriting guideline. As a whole, ...Read More


Help I have diabetes Can I get life insurance?

December 5th, 2017

Can you get life insurance if you have diabetes?  Yes, you can!!   The questions are what kind of insurance do you want?    The price depends on a lot of factors such as health, age, and type of diabetes, etc.  Hi, I am Mitch Winstead with Allstar Senior Benefits.  I know a lot about diabetes from my 23 + years of healthcare experience as a Physical Therapist Assistant and the co-owner of Physical Therapy for Life for the last 6 years.  The scariest thing I encountered a few times with patients is when I went out to their homes to treat them one patient was not feeling well and her blood sugar was in the 30’s.  She had to drink some orange juice and crackers to increase her blood sugar.  Another time I went to a house and the patient’s blood sugar was low and she just injected some insulin right before I arrived which is a no-no.   So diabetes is nothing to take lightly.   I have been an insurance broker for almost 18 years and been around the business for over 34 years.  I may have an edge on other agents/brokers due to my healthcare background.  If you have diabetes, call me today at 866-598-8170 or 910-538-4547 for a no pressure quote on life insurance.  My email is mitch@allstarseniorbenefits.com and my website is www.allstarseniorbenefits.com

Life insurance for diabetics with Type 1 and Type 2 diabetes is a complex topic with as many variations as there are symptoms of the disease, making the search of life insurance for diabetics an arduous process. Dealing with a skilled and knowledgeable provider is essential because each insurance company has its own standards for coverage. If you apply to the wrong one and get rejected, the rejection becomes part of your medical record for all other companies to see, which can lead to further rejections that otherwise may not have happened.

That’s just one of many tricky aspects of obtaining coverage for people with diabetes. On this page, we’ll guide you through each phase of the disease and show you exactly what kind of life insurance policies you can expect, which companies provide them, and what kind of payouts they offer to your family and loved ones. Even though you may not qualify for the same policy as a healthy person, you probably have more options than you think.

Life Insurance For Diabetics

Type 1 Diabetes
Per the American Diabetes Association: “In Type 1 diabetes, the body does not produce insulin. The body breaks down the sugars and starches you eat into a simple sugar called glucose, which it uses for energy. Insulin is a hormone that the body needs to get glucose from the bloodstream into the cells of the body.”

While it is possible to obtain life insurance with type 1 diabetes as long as your condition is ...Read More


Sickle cell and life insurance-would I be accepted?

December 1st, 2017

I have sickle cell anemia/disease.   Would I be accepted for life insurance?  Yes ! you would be accepted!

With sickle cell and life insurance, you would be approved for either an easy issue policy or a guaranteed issue life insurance policy.  This would be a whole life policy that is sometimes referred to as a permanent policy.  Hi, I am Mitch Winstead from Allstar Senior Benefits.  My toll-free number is 866-598-8170 or 910-538-4547.  My website is www.allstarseniorbenefits.com   My email address is mitch@allstarseniorbenefits.com.  Cally today for your no pressure quote.  Whole life is not a term life policy.   Term life policies different “terms” such as 10 -30 year periods.  As far as I know, there is not a guaranteed acceptance or easy issue term life product that has no health questions or only 2 questions on the application.  More on term life insurance later in this article.  A whole life policy builds cash value.  This can happen in usually in 18 months or less.  Building cash value is important and can be used for many things.   You can borrow money from your whole life policy.  You must have enough cash value built up to borrow the money.  This is not the same thing as a bank loan.  You cannot borrow money you do not have built up or available in your policy.  

 

Now if you do borrow money against your life insurance policy and do not pay it back then the whole value of your policy will not be paid to your beneficiary upon your death.  So if you have $10,000 and you borrow $1,000 from it and pass away, your beneficiary only gets $9,000.  So it is important to pay it back.  It is not like borrowing from a bank.  With a couple of companies I have, there may be discounts available for burial products.  This is an important benefit because it can save you money.  For example,  if you purchase 10,000 of life insurance most of that money will go to the funeral home NOT your loved ones.  When you get a discount on burial products, that means more money goes to your loved ones NOT the funeral home.  I suggest you read that over again to let it sink in.  

 

For those who do not know about sickle cell anemia, I will attempt to explain.  This is a blood disorder that is genetic.  Most of us probably know and have heard of a person that is anemic.  I was anemic at a young age with the “regular” version of anemia.  I am ok now.  Sickle cell anemia is on a different level.  Sickle cell anemia is hereditary.  Hemoglobin and oxygen are affected. Under a microscope, the blood cells appear to be ...Read More


Would I be accepted for life insurance and kidney disease and if I go to dialysis?

November 17th, 2017

I have to go to dialysis.  Can I still qualify for life insurance?  Yes, you can!!  There is whole life insurance for dialysis patients.  For the sake of this article, I will concentrate on people that have end-stage renal failure.  Some of the whole life/ final expense companies do offer either an easy issue or guaranteed issue life insurance policy for people who have to go to dialysis.  When comparing dollars these type of policies does cost more.  They are still affordable and again you CAN get life insurance and most people consider this as a fair trade-off.  There are no medical exams or blood or urine tests. You can apply up to the age of 85 years old and be a U. S. citizen.  My first encounter with a person who goes to dialysis was in 1995.  I was working for a home health company as a physical therapist assistant helping a person to build strength, balance, and endurance. I now co-own a physical therapy practice.  I still help people with physical therapy every week.  I am also a successful insurance broker.  My name is Mitch Winstead with Allstar Senior Benefits.  Our website is www.allstarseniorbenefits.com   Our Facebook page is www.facebook.com/medsuppguru  My toll-free number is 866-598-8170 or 910-538-4547 or 910-452-1922.                                                                                                                                                   

Most people go to dialysis 3 days weekly.  Dialysis takes its toll on most people.  Usually, after a dialysis session, people are worn out.  I have only met a few that it does not cause them fatigue like most people.  Dialysis is done due to chronic kidney disease or end-stage renal disease /kidney failure.  These type of people-bless their hearts may be on a list to get a kidney transplant.  There is life insurance for kidney transplant patients.  Also, there is life insurance for kidney transplant recipients.   Some of the side effects of dialysis are -low blood pressure which can cause dizziness, weakness and is a risk for falls.  Nausea and vomiting that can occur during a dialysis treatment.  Sometimes an anti-nausea pill can help.  Dry-itchy skin because the skin has a high phosphorus content.  Restless leg syndrome due to a vitamin b deficiency.  Muscle cramps which the cause for dialysis patients is unknown.  These are just a few side effects and is not meant ...Read More


Life insurance and e-cigarettes Do I have to pay smoker’s rates ?

November 14th, 2017

I smoke e-cigarettes.  Do I still have to pay smokers rates? E-cigs are popular.  You would think that e-cigs would be clearly the better choice when it comes to smoking/ vaping.  The FDA- Food and Drug Administration is a giant regulatory agency responsible for regulating the safety of drugs and food products in our country along with tobacco products.  Some health professionals and consumers generally have no idea exactly what ingredients are contained in the e-cig formulation.

Because of this grey area due to lack of regulation, insurance companies find themselves not knowing exactly what to do when placing someone in a certain risk class.  I have also read that there may be no way to tell what product (e-cig or regular cigarette) the person involved may be used during a blood test.   The FDA has still not officially endorsed e-cigs as a safe alternative.  The FDA will more than likely regulate e-cigarettes sometime in the future.  My name is Mitch Winstead from Allstar Senior Benefits.  Our website is www.allstarseniorbenefits.com.  My toll-free number is 866-598-8170 or 910-452-1922.  Our email is mitch@allstarseniorbenefits.com.  I watched my brother and mother get COPD chronic obstructive pulmonary disease from smoking cigarettes.  As I grew up watching my Mom smoke, I knew one day she was going to have health problems. How does vaping compare?  Well, we certainly know that some of the e-cigs do contain nicotine also found in cigarettes.  A real concern is what exactly is in e-cigs?  There have been some studies that certain formulations may contain carcinogens like formaldehyde and a chemical found in antifreeze.

All we know right now is it may be safer than cigarettes but it could also contain a dangerous chemical we are not being told about and could have serious health concerns later on.  Anyway back to the subject of life insurance and e-cigarettes.  How do they test a person’s blood for nicotine?  They look for a substance called cotinine.  Continine occurs when nicotine is metabolized and is the product that is found after nicotine has been ingested.  Currently, some, not all life insurance companies are friendly to e-cig users which means you won’t pay smokers rates.  Even some companies have a preferred tobacco class as they call it if you do use tobacco.  Smokers rates, by and large, are 2-4 times higher for health and life insurance premiums.  It can be very time consuming calling or going online to find reasonable rates for life insurance.  It is best to talk to an insurance broker.

Please call me for a customized quote, you are under no obligation. Some insurance companies go back as far as 2 years ago if you quit for cheaper rates. Most are one year look back periods.  So if you quit 8 months ago, life insurance companies like to see you kick the habit for at least a year. Most companies will ask you a question such as this: Have you used ...Read More


Life insurance and Lou Gehrig’s Disease? Would I be accepted?

November 10th, 2017

Lou Gehrig’s disease or ALS- amyotrophic lateral sclerosis.  If you have this condition will you still be able to get life insurance?  Yes you can!!   I am Mitch Winstead owner at Allstar Senior Benefits.   Our toll-free number is 866-598-8170 or 910-452-1922. If you have any quesions, we offer free advice with no obligations. This is a tough subject to write about.  Recently we lost Sam Shepard the actor to ALS.  Many people have lost their lives to this dreaded disease.  Recently the football player Dwight Clark who played with the San Francisco 49ers came out and said he has ALS.  He was in a wheelchair.  The lifespan with Lou Gehrig’s disease is not long.   These are just a few people we know about.  There are many more people we don’t know about who have been a victim of this disease.  ALS is a progressive neurodegenerative disease that affects nerve cells in the brain and spinal cord.  As a co-owner of a physical therapy practice, I have helped treat people with physical therapy that have this disease.  The most heartbreaking patients are the ones who have this disease in their 30’s.  Please don’t get me wrong.  It is a heartbreaking disease at any age.     I have worked with both young and old. Male and Female.  It is a myth that this disease only affects young people.  It is also worth mentioning that there is another form of this disease that doesn’t kill you but it still affects your neurological system.  It is still called ALS but it may only affect a person’s lower motor neurons.  I have actually worked with  gentlemen who had this also.  He had a small but noticeable limp when he walked.  So let’s talk about life insurance.   Great news, you can still get life insurance.   It will cost more.  However, you can get some great benefits with a life insurance plan.  First off you won’t have to answer ANY health questions.  There are NO medical exams and  NO blood or urine tests.   The type of policy is called a guaranteed issue policy.   The way it works is  you pay a monthly premium.  During the first 3 years if you die, your beneficiary gets 110% of the premiums you paid in.  Now after the 3 years if you die your beneficiary gets the full face amount.  So if you have a 10,000 dollar policy that is what is paid out.  Some companies are offering discounts on funeral products such as caskets, vaults and headstones.  So if you buy from another company and buy the same $10,000 policy most of that money is going straight to the funeral home to cover the funeral costs.   So keep most of the money for your loved ones and purchase life insurance the smart way.  Getting back to life with Lou Gehrig’s disease/ ALS ...Read More


If I have HIV/AIDS-can I still get life insurance?

November 1st, 2017

Hi, I’m Mitch Winstead with Allstar Senior Benefits.  I can only imagine- it must be tough enough living with this condition, let alone having to think about life insurance.  I have some good news, you CAN get life insurance. However, you will have to pay more for it.  It is still reasonable. Just because you have to pay more for it does it mean you should not get it.  Call today, my website is www.allstarseniorbenefits.com  We offer free advice and there are no obligations.  My toll-free number is 866-598-8170.  Or 910-452-1922.  Don’t let the Idea of the cost stop you. Most people think that they just cannot get insurance because they have this diagnosis. Whole life companies would be the ones you would want to contact to take out this type of insurance. I do not think there is a term life policy available for you, so you’ll have to take out a whole life insurance policy. I represent a company that doesn’t ask any questions about your health to qualify for life insurance. The way this works is that for 3 years you will get 110% of what you paid into the policy if you die in that 3 years. After 3 years if you take out a $5,000 or $10,000 life insurance policy your beneficiary will get 100%. Some may frown upon this saying well I’m not going to take it to you like this because in the first three years I’m not going to get the full face amount. In my opinion, this should not stop you because your beneficiary is going to get at least what you paid into the policy plus 10% in the first three years and then a full benefit after the 3 years. please don’t let that be a deterrent because not all life insurance companies will accept a person for life insurance with HIV or Aids or aids-related complex.  Plus we save you THOUSANDS of dollars for not just you- your entire household!  No other company is offering you this!   Several years ago companies were just not taking anybody with HIV or Aids because of the obvious they know that the death rate is high.  So let me talk about myself a little bit like I said I represent an insurance company that will take somebody if they have HIV or Aids my toll-free number is  866 598 870 or 910-452-1922. We offer free advice with no obligations. Our email address is mitch@allstarseniorbenefits.com.  I have helped a lot of people with various conditions get life insurance. I co-own a physical therapy company called physical therapy for life. I have been licensed as a physical therapist assistant for 23 years. so that lets me have an advantage over other agents because I do understand medical conditions. I understand what medical conditions are and when a person tells me the name of their medicine they’re taking I usually can ...Read More


Life Insurance and ptsd- Can I get life insurance?

October 27th, 2017

Hi, I’m Mitch Winstead and I am an Army Veteran.   I have an Insurance Brokerage that is called Allstar Senior Benefits.   I have been an insurance professional since 2000.  My website is      www.allstarseniorbenefits.com

My email address is: mitch@allstarseniorbenefits.com. My toll-free number is 866- 598- 8170 or 910-538-4547. We offer free advice with no obligations. Since I am a veteran. I know many people who suffer from PTSD (post-traumatic stress disorder). I also suffer from PTSD. In dealing with life insurance and PTSD, it is sometimes hard to get a company to accept you if you have it. some companies just won’t give you any life insurance. The company’s I do have available will accept people with PTSD. However, you may pay a higher price for it. I know that doesn’t sound fair to someone who has served our country and especially served in a wartime situation. the only overseas deployment was when I went to Honduras back in 1985. so I have a special respect for veterans that served in a combat situation. I want to make sure that you understand that I will do anything I can to help you get life insurance. I’m guessing but since you did serve in a combat situation, you must have a new appreciation of Life Insurance.   I surely don’t mean to condescend anyone by saying that. Let me tell you a little bit about my PTSD experiences. my PTSD does not come from a combat situation. It comes from a traumatic childhood.   So I know you can’t really compare the two, but at least I know what PTSD in and of itself is. I have taken just about every medicine available for my condition.  Some companies will accept a person with PTSD if they know everything’s under control. Others may have to dig into your medical records a little bit more to see what’s going on.  capital This matters especially if you apply for term insurance. sometimes if you are just applying for whole life insurance or final expense insurance you will just have to answer some questions and they will either accept you or decline you so it might be easier to get whole life insurance rather than term life.  It just depends on which company you apply with.  Also, let me tell you that the sooner you get life insurance based on your youngest age it will be the least expensive at that point. Also, it’s important to say that it’s recommended for you to have an outside policy if you’re working with an employer, most of the time if something happens with your job- you can’t take your insurance with you.

Most employers will only give you term insurance. in my opinion, you need term life insurance and whole life insurance as a mixture. if you are ...Read More


Life Insurance- Do I need it? Term Life, Whole Life insurance, Universal Life?

October 25th, 2017

Life insurance, it sure can get complicated.  Which one is best and how do they differ?   In this article, I am going to attempt to give you the clearest answers possible.   If not you may call me – Mitch Winstead toll-free 866-598-8170  or 910-452-1922.  Our website is https://www.allstarseniorbenefits.com   

Our email is mitch@allstarseniorbenefits.com

I want to first start off with Term Life insurance.  This is what most young couples get and it is most likely going to be offered by your employer.   However, your life insurance policy probably won’t be portable which means you can’t take it with you if you leave your job.   So most of the time, it’s in your best interest to purchase from an outside company so if something happens at your job, you can take it with you.   I have 2 term policies and my Mom has a whole life policy that she took out on me when I was in my 20’s. I’m 52 now.   It’s best to have a combination of whole life and term life.    So let’s keep talking about term life.   Term life does not build any cash value.  People like to compare term life and whole life.  Whole life insurance builds cash value.   When I first started in selling life insurance in 2000,  my sales manager had me explain it like this:  it’s like renting a house and buying a house.   You ent with term insurance- there is no equity built up but you do get to live in a house.   With whole life- you buy the house and equity/cash builds usually after 18 – 24 months of having a whole life policy.  The benefits of term life- it is cheap!  As with any insurance policy the younger you are the cheaper you pay.    You get more bang for your buck.   Some people can get $100,000 for less than $20.00 a month.   On some term policies, there are riders available like a return of premium.    So if you pay into a term policy for 20 years at $20.00, you can get 98% of the money you paid for the policy at the end of 2o years. It is a little more expensive than a regular term policy.   Now I said at the beginning of this article there is no cash value in a term policy and now you tell me you can get your money back   What do you mean?   A term policy that gives you your money back in 20 years is can a return of premium rider on your policy.   There are other riders you can get and it differs with each company.   There are accidental death policies which pay double your face amount if you are killed in an accident.  So if you buy $100,000 your beneficiary would get $200,000.  Some have a rider called accelerated death rider and that means if you have a terminal illness you can get most or sometimes all of your monies ...Read More


If I have COPD can I get life insurance?

October 21st, 2017

If  I have COPD can I get life insurance?  Yes, you can, fortunately.   It’s not an impossible situation.  So let’s talk about COPD and what it is and how it can affect you.  Let me be clear, I don’t have COPD.  My Mom does who taught me about the insurance business.   So let me put in my plug for my services.   I have been around the insurance business for over 34 years.   I have helped numerous clients with solving problems through life insurance.  I can be contacted toll-free at 866-598-8170 or 910-452-1922.Life Insurance   Our advice is free and you have no obligaitons. I co-own a Physical Therapy business so I have worked with people who have COPD.   Some of my Medicare Supplement clients have COPD or chronic obstructive pulmonary disease.   So that’s my experience with it.   So obviously COPD affects the way you breathe.   It affects around 3 million people.  It is also called chronic bronchitis and emphysema.  Some people are on oxygen and some are not.   Some people manage it well and some don’t.  I know its a debilitating condition.  It can take away from your life.  Just imagine not being able to breathe.  Most people can’t go up and down stairs.   They wheeze and get short of breath easily.   People have good and bad days.   On bad days its horrible.  Just the smallest amount of exertion is troublesome.   If you on oxygen you now have to lug around a portable or sometimes not so portable device with you.  At one time my Mom had a medium-sized to big tank she had to wheel around.   She was able to eventually get a small version of portable oxygen but it wasn’t easy qualifying for it.  When she was first diagnosed with it, it took its toll.  It was devastating.  She was on all kinds of medicines.  She had multiple doctors appointments.  She had to have a nurse and Physical Therapist take care of her.  It was hard to see your Mom go through that.   A year later, she is doing better.  However, COPD is not going to go away.  Once you have it, you cannot get rid of it.  There is no cure.   She still has still use oxygen at night.  You can get COPD from second-hand smoke and of course if you smoke.  About 25% of people who did not smoke have COPD.  I am not an expert on COPD by no means.  I did breathe in a lot of second-hand smoke.  I  grew up in the 60’s when the majority of adults smoked inside their homes and until recently in public places like restaurants.  Let’s talk about how it affects you if/when you try to buy life insurance.   Some companies are not going to accept you.  There are some companies that will accept you but you are going to pay a higher premium.   It’s good that you can get it.   Some companies may only offer a graded life insurance policy.  That means for the first 2-3 years ...Read More


Is there Life Insurance for people with anxiety?

October 18th, 2017

Life insurance for people with anxiety?   Is it available?  Will it cost me more?   There are many anxiety disorders what about mine?  Yes, there is!  I suffer from anxiety.  I have life insurance.  Having anxiety isn’t fun. Hi, I’m Mitch Winstead with Allstar Senior Benefits.  Our toll-free number is 866-598-8170 or 910-452-1922.  We off free advice and if you want a quote there are no obligations.  It also isn’t a bad thing anymore when it comes to buying life insurance.  I think the more it comes to the forefront, it becomes more accepted.   Some insurers turn away from anxiety sufferers.  Fortunately, most don’t anymore.   No matter what your anxiety disorder is as long as it’s not too strange life insurance carriers do a better job with underwriting.   That means what are the health questions I have to answer to qualify.  Some time back,  questions on the application ask if you are seeing a psychiatrist or psychologist?  Are you on any medications?  Do you have a mental disorder?   Also, other questions phrased in different ways.  If you do a search and don’t give up you can find a worthwhile policy that is reasonable.   Also the younger you take it out, the better.   That may seem obvious but some people procrastinate about buying life insurance.  I think it is a responsible thing to do.  If you have a family wouldn’t you want to leave them something?   what about your bills?  Your mortgage, credit cards, car payments?   Wouldnt you want your wife and children not to stress financially after you are gone?   Think of it.   Upon your death its not going to be a good day.   The emotional pain left behind is sharp and brutal, to say the least.   Life insurance is an investment.   For a minimal amount of a premium say $30.00 a month you may get $10,000.  That’s a pretty good return.   It would take you years to invest or save that money to get a benefit like that.   That’s just a small sample.   There are a lot of plans that give you $50,000 for $20.00 a month.  You can’t beat that!   Obviously, all people don’t get a deal like this but its out there.  It goes without saying its always best to purchase life insurance at a young age.  I still believe in term life if you can’t afford whole life.  I would really advise people to have a combination of both.   Some term policies only last 20 to 30 years.  So let’s say you are 25 when you take out a term policy, at 55 you would need to buy another term policy hopefully another 30-year term policy.  I have a combination of both policies.  I buy on price usually.  A lot of insurance companies are getting creative about adding riders.  Such as return of premium, accidental death, nursing home riders, accelerated death riders, etc.  If you have any questions on how these riders work, reach out to me and I will be glad to answer these questions for you.  I have been an anxiety sufferer since I was ...Read More


Can I change Medicare Supplement plans at any time-or do I have to wait??

October 17th, 2017

Can I change Medicare Supplement plans at any time?  This is a question I get asked a lot.  Here is the answer.  Yes, you can change your plan at any time. Hi, I am Mitch Winstead from Allstar Senior Benefits.  Our toll-free number is 866-598-8170 or 910-452-1922.  We give free advice and you are under no obligations if you want a quote. Also, you can change as many times as you want.  I don’t recommend that you do change it any more than 2-3 times a year.   If it is a Medicare Advantage policy then you cannot change it at any time.   You have to wait for what is called AEP or annual enrollment period.  That is from October 15th thru December 7th each year at the time of this writing.   Medicare Supplements are standardized, meaning every Medicare Supplement company that provides plans A-N has to give you the same exact plan.   This is good because it avoids confusion for the consumer.   The major medical plans ie health plans under age 65 or plans you may get at work.  They have numerous different plans like different co-pays, deductibles, and levels of coverage that have different prices and are very confusing.  Say for example on a Medicare Supplement plan f.  You may have one currently and you have just got a rate increase or another rate increase in the 4 years that you have had it.   You can call and I recommend you call an Independent agent that has at least 10 years of experience in the Medicare Supplement arena.  They will more than likely be able to get you a lower price and the same plan.  You do have to qualify by answering some health questions on the new companies application.  Each company has its own set of standards on who they will accept and who they won’t accept.   For example company, A may not take anyone who is on oxygen.  Some companies won’t take a person who takes over 50 units of insulin.   These are many examples  Some companies have lower rates for smokers.   I carry a large number of companies to help people save money.  If you talk to a “captive agent”  a person who writes with only one company.  That person can only give you one option.  Because they only write business for one company.  Once you do get a rate increase then call your captive agent, you are out of options.   An independent agent has options because of different companies they carry.  If one does not work for you then there are different companies available,  My recommendation is always to use an independent agent/broker.  There are 100 + companies out there that market supplements.  So there is always a choice.   Now if you have a health condition that is severe-you may not qualify for a new company.  Or you may qualify but you are going to pay a hefty price.   Although sometimes that ...Read More


Medicare Supplements and Part D Prescription Drug Plans

October 10th, 2017

Do Medicare Supplement plans include or cover Part D prescription drug plans? I wish the answer was yes.   Up until 2006   Medicare Supplement plans H, I and J existed and they did cover medicines on those plans. Hi, I’m Mitch Winstead from Allstar Senior Benefits.  Our toll-free number is 866-598-8170 or 910-452-1922.  We don’t charge for our advice and if you want a quote, you are under no obligations.  Here is what they would do as I remember.  There was a $250 deductible and it would cover your medicines.  You would pay 50% and the plan would cover 50% up to a set amount by the insurance company.    Those Medicare supplement plans would be pricey, especially the Plan J.  When I was talking with people almost everyone back then would ask me if their medicine was covered in their plan.  If you didn’t have those particular plans then the answer was no.  Most people wanted their medicine covered by EVERY plan but it just did not exist.   Most people would still buy a Plan F or Plan and back in 2001  I was on the forefront selling Plan G’s if it was cheaper and made since over Plan F. Some people would ask me the question, do I need a Medicare Supplement plan g ?  Now for a few years, other agents have finally figured that out.  Plan G is cheaper and still covers their needs.  If you still have one of the H, I, or J plans.  I could just imagine what the prices are now. Sky High.  If you do have one of those plans and want out.  Please call me:  Mitch Winstead at Allstar SeniorBenefits  Toll-free 866-598-8170  So after all of that frustration when talking with people and them wanting Prescription drug coverage.  Low and behold  President George w. Bush delivered.    Awesome!!  our troubles are over!  We got coverage!   Hold the phone though.  Boy did they make this system complicated.  And it’s not a panacea either.  Just like most things, the government sticks their hands in  Its, not the best coverage and there are several catches to it.  First what is still being talked about today is that If a Medicare-eligible person does not enroll at age 65 then there is a 1% per MONTH penalty for each month people DON’T sign up.   That means if an eligible person does not enroll in 24 months  That person will have to pay a 24% penalty!!  Not good!

Also, people cannot make a change in their current plans until October 15th of each year and then that plan does not go into effect until January 1st of the coming year!   Also, all medicines may not be covered.  There is a maximum amount covered.  There are co-pays, tier groups, and A DONUT HOLE!   Wow.  ok,  so we got coverage now.  But this really what we wanted?  Probably not.  Agents who try to ...Read More


Medicare Advantage or Medicare Supplement?

September 28th, 2017

I have been involved in the Medicare Supplement health plan field for over 34 years in some way shape or manner.  Several years ago a new product showed up on the market for Medicare-aged people. It is called Medicare Advantage.  So which is better.  In this article, I will break this down for you hopefully in a simple way.  Let’s talk about the big kid on the block.  Medicare Supplements.  Hi, I’m Mitch Winstead with Allstar Senior Benefits.  Our toll-free number is 866-598-8170  or 910-452-1922.  If you have any questions or need a quote, we give free advice and you are under no obligations. Medicare Supplements have been around the longest time.  They are tried and true.  They are standardized which means EVERY plan is the same for EVERY company.   The confusion comes in because the prices for each exact plan can differ widely.  This is spelled out for you in the Medicare guidebooks people receive when they are on Medicare.  People think and sometimes in error that if I buy a Medicare Supplement from a big name company  I will get more.  However YOU DON’T!!!  The federal government stepped in and mandated that every Medicare Supplement company HAS to offer the SAME plan.  No ifs, and or buts. People I speak to overpay for their supplements.  Ok enough on that.  So each plan is spelled out.  They are sold on an alphabet letter plans A-N.  The most popular Plan is Plan F.  However, Plan G will overtake that soon.  Why?  The federal government is doing away with the Plan F in 2020.  So if you have a Plan F you can keep it.  But since there will be no NEW business coming into The Plan F itself, premiums will rise.  No one wants to continue to have big rate increases.  So most people will buy a plan G.  The good news is its practically the same plan!!   Let me explain- Plan F and Plan G both have basic benefits. They both pay the big Part A Medicare deductible.  The Part B deductible is covered by the Plan F not the plan G.  Hang tight I will come back to this.  They both cover  Skilled Nursing Co-insurance.  Both cover the Part B  coinsurance and foreign Travel emergency.  The Plan F roughly is 20-30% higher than the plan G yet they are essentially the same plan.  Let’s talk about the ONE difference  Plan G does not cover the Part B deductible.  Wait!!  You still have to pay for it.  Plan F pays it.  Wait though.  You are paying the insurance company more to do that.  Take the bull by the horns and pay it yourself.  Save your money$$$$.  Anyway,  Let’s talk about if you have plan F or Plan G Medicare Supplement.   Ok so you have your Red, White, and Blue Medicare card and you go to the Doctor.  Most services are covered by Medicare. ...Read More


Allstar Senior Benefits Medicare Plan Review

August 17th, 2017
http://youtu.be/chQyN1G1rw8
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You are turning 65 soon for Medicare-Now what? Open Enrollment ? A supplement?

August 17th, 2017
https://youtu.be/chQyN1G1rw8

So you are turning 65 or turning 65 soon and you are going on Medicare.  Congrats!  You may think that my saying congrats to you is cheesy.  Ok maybe?  At least you made it to 65.  Some people don’t.  Now, what’s the process of signing up for Medicare, getting my Medicare card, and open enrollment for Medicare Supplement?  Or do I even need a Medicare Supplement?  Hi, my name is Mitch Winstead from Allstar Senior Benefits, Inc. If you want to ask any questions, please let us know. Our advice is free and you have no obligations.  Our toll-free number is 866-598-8170 or 910-452-1922.  Now back to our topic. Do you really need a Medicare Supplement? Good question.  My significant other has this saying. She says “we are only one sickness away from bankruptcy” That may sound harsh or a good scare tactic but it happens.  Here is a true story.   One of my Medicare supplement clients was asking me for a quote for his wife.  So I gave them a quote and a lot of times people say  Ok-we’ll get back to you.  Well, they never did.  So I thought nothing of it and then one day I received a phone call.  The call was from her husband and he asked-Mitch my wife is in the hospital and not doing well.  Wow, I hate getting those calls.  He said she has a rare illness and is going to have to stay for more than just a few days.  Gosh, I said I’m sorry.  Then he asked a question that some people ask and He said  Is there anything that you can do?  I thought immediately about our conversation when he said we’ll get back to you.  I said I am sorry, there is nothing I can do.  He was in a tough spot. He is worried about his wife.  He is worried about his finances.  Wondering what the heck can I do?  How did we get into this?  Well, his wife pulled through, Thankfully   He called me again and asked Mitch we have a $200,000 dollar hospital bill.  Wow!  He, of course, regretted not taking a policy out on his wife.  He wanted to know what he could do to start paying it back.  Did I have any ideas or connections to help him?  I did what I could for him.  Frankly, there is not much you can do.  He had to start paying it back. Wow! Again.  You may think well this I an extreme case.  This would not happen to me!  Some people think and determine the average hospital stay is only 3 days and most people can afford that.  If you are using that kind of logic then you need to think again.  Here are some stats  Once you reach Medicare it is a 50/50 chance ...Read More


Here is an in depth look at the types of Medicare Plans

August 15th, 2017

The types of Medicare plans which is also referred to as Medigap/Medicare supplements policy assists individuals with an out-of-pocket cost that Part A and Part B (Original Medicare) do not cover. However, 10 Medicare plans which are labeled with letters are available in most states.  Hi, I am Mitch Winstead with Allstar Senior Benefits, Inc.  If you would like to ask any questions, our advice is free with no obligations. Our toll-free number is 866-598-8170 or 910-452-1922. Or email us at Mitch@allstarseniorbenefits.com Each plan has a  coverage plan different from another plan. For instance, what Plan A covers is different from what Plan B covers but also each plan is the same as any other health insurance company across the country. That is, Plan A Medicare plan in insurance company A is the same as the Medicare plan in insurance company B.

However, the only difference between the types of Medicare plans of the same category will be the cost being offered by insurance companies. That is why Allstar Senior benefit is at your beck and call to give you the best Medicare supplement plan with “Lower cost benefits” you could ever think of. Allstar Senior Benefits, a Nationwide Licensed Insurance Brokerage, forged towards helping each individual understand Medicare and Medicare Supplements. Also, with an unbiased solution to your needs, Allstar Senior Benefits shop and research the market for you for the best service. Furthermore, you get Advisors/Brokers with vast Medicare experience with a background in healthcare. We have been helping Seniors for over 34 years.

The information below shows basic information about the different benefits Medigap policies cover.

PLAN A

Plan A Medicare supplement plan, covers Part A coinsurance and hospital costs up to an additional 365 days after Medicare benefits are used up. Also, plan A covers Part B coinsurance (an amount you may be required to pay as your share of the cost for services after you pay any deductibles. Coinsurance is usually a percentage, for example, 20%) or copayment, Blood (first 3 pints) to be given to an individual, Part A hospice care coinsurance or copayment. Plan A does not cover the following: Skilled nursing facility care coinsurance, Part A deductible (a deductible is the amount you pay for health care or prescriptions before Original Medicare, your prescription drug plan, or your other insurance begins to pay), Part B deductible, Part B excess charge (if you have Original Medicare and the amount a doctor or other health care provider is legally permitted to change is higher than the Medicare-approved amount, the difference is called excess charge), Foreign travel exchange (up to plan limits). And it should be noted that for Plan A, the Out-of-pocket limit benefit is not applicable.

It should be noted that Plan A Medicare plan is the same plan being offered by every company across the country irrespective of location. However, Allstar Senior Benefits can give you the lowest price available.

Contact Allstar ...Read More


Why most Seniors need Medicare Supplemental Insurance for peace of mind

August 14th, 2017

Medicare Advantage or Medicare SupplementOne major aspect when reading about Medicare supplement plans of the American society is the aspect of the eventual life of seniors. They are assisted by the diverse administrations of government that has come and gone. One of such greatest provisions is with regards to Medicare. Hi, I’m Mitch Winstead with Allstar Senior Benefits.  We give free advice and you are under no obligations if you would like to ask questions.  Our toll-free number is 866-598-8170 or 910-538-4547.  If you would prefer email, our email address is at this link mitch@allstarseniorbenefits.comThere are various types of Medicare insurance policies but the most renowned of them all is the original Medicare.  This is a health care insurance policy that covers the health of seniors aged 65 and above and is majorly funded by tax from payrolls of workers.

Many people are quite conversant with this model of health insurance policy for seniors because it covers the major aspect of their health but the Medicare supplement plans cover as much as it does too.

Medicare supplement plans are sold by private companies in other to help workers to afford health care costs that their original Medicare doesn’t cover. It is also referred to as the Medigap policy which is very much different from the original Medicare policy.

The basic synopsis of Medicare supplement plans can be seen in the case of Frank who happens to be an employee in a construction firm.  The company pays tax to the government but the workers do not and so, they are exempted from benefitting from the original Medicare program of the government except they pay an amount of premium on a regular basis. A private insurance company then comes to offer the entire staffs of the firm, the Medicare Insurance supplement policy in full anticipation of their retirement days.

Frank happens to be fifty years of age, which simply means that he has about fifteen years before he becomes a senior and finally retires from work. While the underwriter spoke with Frank, he was able to ascertain that Frank had no original Medicare plan and so he was advised by the underwriter to apply for a government-insured original Medicare plan and also apply with their private insurance firm for a Medicare supplement plan. Frank was thinking about the stress at fifty-five years of age with the belief that he still has a lot of time to plan for his retirement age but he reluctantly went ahead to register with the underwriter at the Medicare center for an original Medicare plan, when Frank attained the age of 65, he started having a failed health because of a particular kidney infection.

Thank God that he had the original Medicare plan. But he forgot along the line to register for the Medicare ...Read More


Turning 65 Soon?

August 10th, 2017
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How people can save money on a Medicare Supplement Plan

July 5th, 2017

Many people overpay for their Medicare Supplement.   Hi, I’m Mitch Winstead with Allstar Senior Benefits.  They do not realize and sometimes do not know there are other companies out there that offer the same coverage.  There are many times that I can save customers $30 to as much as $110 monthly.  That can translate to $360- $1320 annually.  Remember the saying “a penny saved is a penny earned”   For some reason, even that much of a savings does not get certain people to make a change.  There could be several reasons that people will not change their Medicare Supplement company.  I will address this one by one.  1. Fear- ok most people do not like change.   When you are getting the same exact plan for at the least 30% savings- why pay more?  In the 2017 Medicare and You guide, it says- different insurance companies may charge different premiums for the exact same coverage.  In other words, a Plan F is a Plan F is a Plan F and Plan G Medicare supplement is the same no matter which company. Hi, I am Mitch Winstead with  Allstar Senior Benefits, Inc.  If you would like to ask any questions our toll-free number is 866-598-8170 or 910-452-1922. Our advice is free and you have no obligations. If you prefer email, please click this link mitch@allstarseniorbenfits.com You will not get ANY more coverage with one company vs. another one.  People mistakenly believe that if I am paying more, surely I am getting more. That’s not true.  Medicare Supplements are mandated by the Federal Government.  So all companies have to sell the same exact plan.
The 2nd reason is loyalty and possibly pride.  Whenever I ask a proud owner of their Medicare Supplement which company do you have sir or madam they will say I have XYZ company and imply it’s the best thing to have since sliced bread.   Then I ask how much are you paying for your Medicare Supplement?  Then my jaw drops.   You are paying how much?  I have to ask the question twice sometimes to make sure I heard it right.  When I inform the potential customer that there are lower-cost plans available.  For example, what is Medicare supplement plan g?   It’s the same exact plan.   When I explain there is no difference in coverage and I tell them the price that is at 30% lower.  They think the price can’t be that low!  I am not going to get the same coverage.  I must be getting ripped off or what’s the catch?   Another issue is- What is the name of the company that is offering this lower price and coverage?
Then I tell them and because it’s not a household name like some of the other big name Medicare Supplement Companies.  ...Read More