JSA Products
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Final Expense / Whole Life |
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| Welcome to JSA's Product Pages |
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Medicare Supplement
Medicare Supplement Insurance is designed to supplement Original Medicare by paying some of the health care costs, like deductibles and coinsurance that Medicare doesn’t cover. In some cases, Medicare Supplements may cover certain services not covered by Original Medicare. Insurance companies sell standardized Medicare Supplements, identified by the letters A – N (except in Massachusetts, Minnesota, or Wisconsin). The policies must follow federal and state laws designed to protect the Medicare eligible population. |
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Medicare Advantage
Medicare Advantage Plans, also known as Medicare Part C, are another way in which seniors can get their Medicare benefits. These plans are health plan options approved by Medicare and run by private insurance companies. Some Medicare Advantage Plans provide additional benefits that are not included under Original Medicare. The types of Medicare Advantage Plans include Medicare Preferred Provider Organization (PPO) Plans, Medicare Health Maintenance Organization (HMO) Plans, Medicare Private Fee-for-Service (PFFS) Plans, Medicare Special Needs Plans (SNP), and Medicare Medical Savings Account (MSA) Plans. |
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Prescription Drug Plans
Since 2006, Medicare has offered prescription drug coverage to everyone eligible for Medicare. These Medicare Prescription Drug Plans (PDPs) are run by insurance companies and other private companies approved by Medicare. Medicare eligible's can get prescription drug coverage in the following two ways:
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Join a stand-alone Medicare PDP. |
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Join a Medicare Advantage Plan that includes prescription drug coverage (MAPD). |
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Those who do not elect prescription drug coverage when they become eligible, and do not have other creditable drug coverage, may be subject to a premium penalty should they choose to enroll in the future. |
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Long-Term Care Insurance
The phrase “long-term care” refers to a broad range of services people may need for an extended period of time due to a chronic illness or disability. These services can include medical services, such as nursing care or therapies; and supportive services, such as help in bathing, getting in and out of bed, taking medications, or preparing meals. People are living longer and longer these days, which is great news, but living longer means that there are more years in which there are risks of serious health problems. The cost of long-term care services could literally wipe out a person’s life savings. Unfortunately, ordinary health insurance policies and Medicare usually do not pay for long-term care expenses.
Long-term care insurance is designed to pay for long-term care services, and will usually cover the following types of services:
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Help in the home with daily activities such as bathing, dressing, eating and cleaning. |
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Community programs, such as adult day care. |
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Assisted living services that are provided in a residential setting other than the home. These services may include meals, health monitoring, and help with daily activities. |
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Visiting nurses. |
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Care in a nursing home. |
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Major Medical
Individual Major Medical coverage is an insurance policy issued directly to an individual. Your clients who are not eligible for health insurance through their employers or other groups should consider buying an individual health insurance policy if they want the extra security that comes with knowing that unexpected medical expenses won’t launch them into lifelong debt. Major Medical policies provide coverage for hospitalizations, physician visits, medical services and supplies, and may cover other items such as prescription drugs. |
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Annuities
To help your client accumulate money for future income needs, you may want to recommend an annuity product. An annuity is a written contract between a client and an insurance company in which the insurance company makes a series of regularly spaced payments to the client in exchange for premium or premiums paid. Several types of annuity contracts exist, including individual or group; immediate or deferred; single premium or installment premium; and fixed or variable. |
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Hospital Indemnity
Health insurance does not cover all of the costs associated with injuries or illnesses. In addition to deductibles and coinsurance, clients may have extra expenses such as private room and private duty nursing fees, transportation, child care, lawn and house care, and pet care. Hospital Indemnity insurance pays cash benefits directly to the clients, regardless of any other insurance they may have. You can assist your Medicare Advantage client to choose a Hospital Indemnity plan that will work to cover any large coinsurance amounts. |
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Bravo Health understands that today, people with Medicare are more active in managing their own health than in prior generations. Healthcare is changing, and more educated consumers of healthcare are at the forefront of that change. That's why Bravo Health Plans offer a variety of Medicare Advantage and Part D Prescription Drug plans, which provide choice as well as value.
Bravo Health currently serves a total of 200,000 members, providing Medicare Advantage Plans and Part D Prescription Plans to members in Delaware, Maryland, Pennsylvania, Texas, and Washington, D.C. Bravo Health also offers Part D Prescription Drug Plans in California, Florida, Illinois, Michigan, New Jersey, New York, Ohio, and West Virginia. |
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