Tuesday, July 2, 2013

Affordable Family Health Insurance

Affordable Family Health Insurance from State Farm

State Farm Affordable Health Insurance Products

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Protecting Your Family.

You buy health insurance for the same reason you buy other types of insurance – to protect your family.
State Farm Mutual Automobile Insurance Company® offers various types of health coverage, so you can choose the product that best suits your personal situation.

Pick the plan that’s right for you.

Primary medical insurance coverage, designed for people who don't have this type of coverage through their employer or another group.

Individual Medical Coverage

Primary medical insurance coverage, designed for people who don't have this type of coverage through their employer or another group.
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Medicare Supplement Insurance

Medicare Supplement Insurance is designed for senior citizens who participate in Medicare. It provides additional coverage to help with many of the expenses that Medicare does not pay.
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Medicare Part D Coverage

Medicare Part D is prescription drug coverage available to those enrolled/eligible for Medicare Part A and/or Part B.
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Supplemental Health Insurance*

Supplements primary health insurance coverage by providing you with a pre-determined benefit amount for those extra, unbudgeted expenses that arise.
Benefits may be paid for necessary:
  • Hospitalization
  • Accidental Injury
  • Outpatient Surgery
  • Extended Care
  • Intensive Care
*Specifically, Hospital Income Policy, Hospital Indemnity Policy, Hospital Confinement Indemnity Policy, Supplemental Hospital Indemnity policy.

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NOTE:
This is a Marketing tool intended for use in the sale of insurance. Completion of an application for a State Farm insurance policy will require contact with a State Farm agent/insurance producer.
The information provides a brief, general description of the coverage provided by these policies. It is not a contract and certain exclusions and limitations apply. A complete statement of the coverage provided is found only in the policy itself. Policy coverage’s, exclusions and limitations may vary in some states.
The Medicare Supplement policies are not connected with or endorsed by the U.S. Government or the Federal Medicare program.
If you need a copy of your Summary of Benefits and Coverage, please contact the Health Response Center at (866) 855-1212.

Individual Medical Health Insurance Coverage

At State Farm®, we strive to address all of the insurance needs of our customers. Through a marketing agreement with Assurant Health (Time Insurance Company, Milwaukee, WI), your State Farm agent may be able to help you with:
  • Individual Medical Insurance Coverage (Including High Deductible Health Plans which can be used with a Health Savings Account)
  • Short Term Medical Coverage
  • Fixed Indeminity Plan with a Limited Benefit
State Farm, in conjunction with the Time Insurance Company, offers our customers a combined 175 years of quality service and products.
To learn more about Assurant Health products, please contact a State Farm agent.
Assurant Health is the brand name for products underwritten and issued by Time Insurance Company, Milwaukee, WI, which is financially responsible for these products. Assurant, Assurant Health, and Time Insurance Company are not affiliates of State Farm. Assurant Health products are not available in MA, NJ, NM, NY, RI, and VT.

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Medicare Supplemental Health Insurance

The purpose of this communication is the solicitation of insurance. Contact will be made by an agent/insurance producer or insurance company.

May pick up where Medicare leaves off

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Medicare Supplemental insurance coverage helps pay some of your share of the health care costs not covered by the Medicare Plan; such as deductibles and coinsurance or copayment amounts. Some supplemental health insurance plans also cover certain hospital or medical services not covered by Medicare.

Don’t let medical expenses deplete your savings.

Medicare Supplemental health insurance coverage is available to you if you are 65 or older and have enrolled in the Medicare Plan, Parts A and B. And in some states, coverage is available if you are under age 65 and are Medicare eligible due to disability or End Stage Renal Disease (permanent kidney failure requiring dialysis or a kidney transplant).

To learn more about Medicare Supplemental health insurance Plans in your state of residence, select your state to get started:

Please select your State/Province
 
Note: 
This is a Marketing tool intended for use in the sale of insurance. Completion of an application for a State Farm insurance policy will require contact with a State Farm agent/insurance producer.
These policies are not connected with or endorsed by the U.S. Government or the Federal Medicare program. This information is only a general description of coverage. A complete statement of coverage is found only in the policy. The amount due on each renewal date will be the renewal premium in Our table of premium rates for Your policy in effect at the time of such renewal.  Premiums may be changed to correspond with any changes made by the Federal Government to the Medicare program.
In some states coverage is available if you are under age 65 and are Medicare eligible due to disability and/or End Stage Renal Disease (permanent kidney failure requiring dialysis or a kidney transplant). Policy coverage’s, exclusions and limitations may vary in some states. For exact terms and conditions see: Medicare Supplement Insurance Policy series 97037H, 97038H, 97039H, 97041H (in DE, NY, PA), 97049H (in WI), 97049H / 97050H (in MN). Medicare Supplement Insurance Policy form numbers in Idaho are 97037HID, 97038HID and 97039HID.
Contact your agent/insurance producer for additional details and cost.

Medicare Part D Plans

Prescription Drug Plans (PDP)

Looking for information on Medicare health benefit options?

It’s important you know what choices are available when selecting your Medicare health benefit options. You can enroll in original Medicare or select from a variety of other Medicare Advantage health plans that include prescription drug coverage and other benefits that may better fit your health care or financial needs.
State Farm® has joined with Humana® in an alliance relationship to market Medicare Prescription Drug Plans – a plan that helps you balance your prescription drug needs and budget.

Managing out-of-pocket costs

When you choose a Humana Medicare PDP, you receive guidance to help you understand how Medicare Part D works, and how you can save money on your prescriptions. Plus, Humana makes it easy for you to keep track of your prescription drug costs. Each month you fill a prescription, you'll receive a SmartSummary RxSM statement that shows the prescriptions that you bought during the month, and their cost, including tips on saving.

Different plans for different needs

Humana offers stand-alone Medicare Prescription Drug Plans (PDPs) to help you balance your prescription drug needs and budget.  Stand-alone PDPs let you add drug coverage to your Original Medicare or your Medicare Supplement plan. There are three plans available in most regions; Two plans in ME/NH; NM; CO; AZ; NV; AK; PR; HI.
Humana Wal-Mart-Preferred Rx Plan (PDP)
A prescription drug plan with a low monthly plan premium and copayments at preferred pharmacies. This plan has a deductible. This plan may be best for healthy people with minimum drug needs or for the budget-conscious individual.
Humana Enhanced (PDP)
Fixed copayments and first dollar coverage for all plans. Provides a broad formulary and preferred retail network that features both Wal-Mart and Walgreens pharmacies, with preferred pharmacy in-store copayments as low as $2. Check with your agent for plan details.
Humana Complete  (PDP)
Humana’s most extensive coverage PDP. Extra coverage on preferred generic drugs and select brand drugs through the coverage gap.

Why Choose Humana?

Humana is one of the nation's largest publicly-traded health benefits companies. When you choose Humana, you're making a smart decision:
  • More benefits than original Medicare
  • Prescription drug savings
  • Predictable costs that are easy to budget
  • An extensive network of doctors and pharmacies
  • Years of experience
  • Outstanding plan extras
As a Fortune 100 company with a solid history in the health industry, Humana is committed to offering valuable benefits, outstanding wellness programs, and reliable customer service. Founded in 1961, Humana has been a trusted Medicare insurer for more than 25 years, helping the Medicare-eligible population manage their health insurance needs.
When you choose Humana for your Medicare coverage, you're choosing a company that has in-depth knowledge and experience with Medicare coverage options:
  • Humana offers Medicare Advantage plans, covering a full range of medical care with a variety of plans to choose from.
  • Or, you can supplement Original Medicare and Medigap plans with one of Humana's affordable Prescription Drug Plans (PDP).
We understand that you have many choices and we know you're looking for the best value for your health care dollar. We want to help make it easier for you to choose the plan that's right for your health care needs, your lifestyle, and your budget.
Humana is a Medicare Advantage organization and a stand-alone prescription drug plan with a Medicare contract. The benefit information provided is a brief summary, not a complete description of benefits. For more information, contact the plan. Benefits, formulary, pharmacy network, premium and/or copayments/coinsurance may change on January 1 of each year. This is not a complete listing of plans available in your service area. For a complete listing please contact 1-800-MEDICARE or consult www.medicare.gov (TTY users should call 1-877-486-2048), 24 hours a day/7 days a week. You must use network pharmacies, except under non-routine circumstances. Quantity limitations, copayments, and restrictions may apply.
You may be able to get extra help to pay for your prescription drug premiums and costs.  To see if you qualify for getting extra help, call: 1-800-MEDICARE (1-800-633-4227). TTY or TDD users should call 1-877-486-2048, 24 hours a day/7 days a week; The Social Security Office at 1-800-772-1213 between 7 a.m. and 7 p.m., Monday through Friday.  TTY or TDD users should call, 1-800-325-0778; or Your State Medical Assistance (Medicaid) Office.
State Farm agents will not offer Humana Medicare Part D in Massachusetts, New Jersey, or Rhode Island.
Humana health products are underwritten and issued by Humana Insurance Company which is financially responsible for these products. No member of the State Farm family of companies is financially responsible for these products. Humana, Inc, Humana MarketPOINT Inc, and Humana Insurance Company are not affiliates of State Farm. Please call a State Farm agent for more detailed information.

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