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  • Q: How much does Medicare cost?
    A: The cost of Medicare can vary depending on your specific plan and situation. At AEC Insurance, we help you understand the different parts of Medicare and their associated costs. Medicare Part A, which covers hospital insurance, is typically premium-free if you or your spouse have paid into Medicare taxes for a certain period. However, if you don't qualify for premium-free Part A, the cost can be up to $506 per month as of 2023. Medicare Part B, covering medical insurance, has a standard premium of $164.90 per month, although higher earners may pay more. Additionally, there are Medicare Advantage Plans (Part C) and Prescription Drug Plans (Part D), which have their own costs that vary based on the plan you choose and the providers in your area. It's important to note that other out-of-pocket costs, such as deductibles, copayments, and coinsurance, may also apply. At AEC Insurance, we represent reputable companies like Aetna, Cigna, and UHC, and we can assist you in finding, comparing, and enrolling in the best plan suited to your needs—all with no broker fee. Contact us today to get personalized assistance and ensure you're making the most cost-effective choices for your healthcare coverage.
  • Q: What is Medicare, and how can AEC Insurance help me enroll?
    A: Medicare is a federal health insurance program primarily for individuals aged 65 and older, but it also benefits some younger people with disabilities and those with End-Stage Renal Disease (permanent kidney failure requiring dialysis or a transplant). Medicare is divided into different parts to cover specific services: - Part A (Hospital Insurance): Covers inpatient hospital stays, care in a skilled nursing facility, hospice care, and some home health care. - Part B (Medical Insurance): Covers certain doctors' services, outpatient care, medical supplies, and preventive services. - Part C (Medicare Advantage Plans): An alternative to Original Medicare (Parts A and B) offered by private insurance companies approved by Medicare. These plans often include additional benefits like vision, hearing, and dental. - Part D (Prescription Drug Coverage): Adds prescription drug coverage to Original Medicare, some Medicare Cost Plans, some Medicare Private-Fee-for-Service Plans, and Medicare Medical Savings Account Plans. At AEC Insurance, we assist you in navigating the complexities of Medicare by helping you find, compare, and enroll in the best plan suited to your needs. We represent top insurance providers like Aetna, Cigna, and UHC, ensuring that you have a variety of options without any broker fee. By understanding your unique healthcare needs and budget, we guide you through the enrollment process to secure a plan that provides comprehensive coverage and peace of mind.
  • Why do FAQs matter?
    FAQs are a great way to help site visitors find quick answers to common questions about your business and create a better navigation experience.
  • Q: What life insurance options does AEC Insurance offer, and how do I determine which one is right for me?
    A: At AEC Insurance, we specialize in providing a variety of life insurance options tailored to meet your unique needs and financial goals. Our offerings include Term Life Insurance, Whole Life Insurance, and Universal Life Insurance. - Term Life Insurance is ideal if you need coverage for a specific period, such as while paying off a mortgage or until your children are financially independent. It's generally more affordable and provides a fixed payout if the insured passes away during the term. - Whole Life Insurance provides lifelong coverage with a fixed premium, accumulating cash value over time. This can be a good choice if you're looking for a policy that also serves as a financial investment. - Universal Life Insurance offers flexible premiums and death benefits, along with the ability to build cash value. You can adjust your premiums and coverage amounts to align with your changing financial situation. To determine which life insurance option is best for you, consider factors like your financial obligations, long-term goals, budget, and whether you're looking for coverage solely for protection or also as a financial investment. Our knowledgeable agent, Arnett Evans, will help you compare plans from top companies like Aetna, Cigna, and UHC, ensuring you enroll in a plan that perfectly matches your needs—without any broker fee. Contact us today for a personalized consultation!
  • Q: What types of health insurance plans does AEC Insurance offer and how can I choose the best one for my needs?
    A: AEC Insurance offers a wide range of health insurance plans through reputable companies such as Aetna, Cigna, UnitedHealthcare (UHC), and more. The types of health insurance plans available typically include Health Maintenance Organizations (HMOs), Preferred Provider Organizations (PPOs), Exclusive Provider Organizations (EPOs), and High-Deductible Health Plans (HDHPs) paired with Health Savings Accounts (HSAs). - HMO (Health Maintenance Organization): Requires you to choose a primary care physician (PCP) and get referrals to see specialists. It's generally more affordable but has less flexibility in selecting healthcare providers. - PPO (Preferred Provider Organization): Offers more flexibility by allowing you to see any healthcare provider, including specialists, without a referral. However, staying within the network saves you more money. - EPO (Exclusive Provider Organization): Combines elements of HMOs and PPOs. You don't need referrals to see specialists, but you must stick to the network of providers unless it's an emergency. - HDHP (High-Deductible Health Plan) with HSA (Health Savings Account): These plans have higher deductibles but lower monthly premiums. They're paired with HSAs, which allow you to save pre-tax money for medical expenses. To choose the best plan for your needs, consider factors such as your budget, preferred healthcare providers, expected medical expenses, and whether you require regular specialist care or are looking for broader flexibility in your healthcare choices. AEC Insurance provides personalized consultations to help you compare these plans and enroll in the one that best fits your individual or family needs, all without a broker fee.
  • Q: How much will I typically pay for Medicare Part C?
    A: The cost of Medicare Part C, also known as Medicare Advantage, can vary widely depending on several factors, including the specific plan you choose, the insurance provider, and the region you live in. Typically, you might pay a monthly premium that can range from $0 to over $100. Beyond the premium, you may also incur out-of-pocket costs like copayments, coinsurance, and deductibles for various services. Some plans also include additional benefits such as vision, dental, and hearing services, which might affect the overall cost. At AEC Insurance, we are here to help you navigate these options. We represent reputable insurers like Aetna, Cigna, and UnitedHealthcare, and our goal is to help you find, compare, and enroll in the best health insurance plan that meets your needs and budget—all at no additional broker fee. Contact us today to learn more about your Medicare Advantage options and get personalized assistance.
  • What is an FAQ section?
    An FAQ section can be used to quickly answer common questions about your business like "Where do you ship to?", "What are your opening hours?", or "How can I book a service?".
  • Q: What types of health and life insurance plans does AEC Insurance offer, and how can they benefit me?
    A: AEC Insurance offers a wide range of health and life insurance plans to cater to diverse needs. For health insurance, we represent major companies like Aetna, Cigna, and UHC, providing access to various plans that can suit different budgets and medical needs. Whether you're looking for comprehensive coverage, low-premium plans, or specialty services, we help you find, compare, and enroll in the best options—with no broker fee. For life insurance, AEC Insurance offers both term life and whole life policies. Term life insurance provides coverage for a specific period, offering a cost-effective way to ensure financial security for your loved ones in the event of your passing. Whole life insurance, on the other hand, offers lifelong coverage along with a savings component, allowing you to build cash value over time. Our role is to provide personalized assistance, leveraging our expertise to help you understand and select the right insurance plans. This ensures that you get the optimal coverage tailored to your needs, giving you peace of mind for both your health and financial future.
  • Where can I add my FAQs?
    FAQs can be added to any page on your site or to your Wix mobile app, giving access to members on the go.
  • Q: How can whole life insurance be used as a financial tool?
    A: Whole life insurance from AEC Insurance is not just a policy for providing death benefits; it can also be a powerful financial tool. This type of insurance combines life coverage with a savings component, known as the policy's cash value. Over time, a portion of your premium payments accumulates in this cash value account, growing tax-deferred. You can leverage the cash value in multiple ways: 1. Loan Option: You can borrow against it at potentially lower interest rates than traditional loans, providing a quick source of funds for emergencies or investment opportunities. 2. Retirement Supplement: It can serve as a supplemental income source during retirement, allowing you to maintain your lifestyle without solely relying on your pension or savings. 3. Collateral for Loans: The cash value can be used as collateral for other loans, providing you with better borrowing options. 4. Policy Dividends: Some whole life policies offer dividends, which can be taken in cash, used to reduce future premiums, or left to accumulate additional interest. By investing in a whole life insurance policy through AEC Insurance, you not only secure your family's financial future but also gain a versatile tool for long-term financial planning. To explore the best options and tailor a policy to your specific needs, contact our experts at AEC Insurance today. SEO keywords: whole life insurance, financial tool, cash value, AEC Insurance, insurance policy, tax-deferred growth
  • How do I add a new question & answer?
    To add a new FAQ follow these steps: 1. Manage FAQs from your site dashboard or in the Editor 2. Add a new question & answer 3. Assign your FAQ to a category 4. Save and publish. You can always come back and edit your FAQs.
  • How do I edit or remove the 'Frequently Asked Questions' title?
    You can edit the title from the FAQ 'Settings' tab in the Editor. To remove the title from your mobile app go to the 'Site & App' tab in your Owner's app and customize.
  • Can I insert an image, video, or GIF in my FAQ?
    Yes. To add media follow these steps: 1. Manage FAQs from your site dashboard or in the Editor 2. Create a new FAQ or edit an existing one 3. From the answer text box click on the video, image or GIF icon 4. Add media from your library and save.

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© 2024 Arnett Evans and Company LLC. All rights reserved. AEC is a trademark and marketing brand of Arnett Evans and Company.

We do not offer every plan available in your area.  Currently, we represent 10 organizations that offer 150 products in your area. Any information we provide is limited to those plans we do offer in your area. Please get in touch with MEDICARE.gov or call 1-800-MEDICARE or your local State Health Insurance Program (SHIP) to get information on all your options.

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Plan features and availability may vary by service area. Arnett Evans and Company LLC, AEC Insure, is not a government entity, and neither does the owner(s), or company claim to be associated with any local, state, or federal governments outside of the licensure of writing agents or brokers through the Secretary of State in the given area in which agents/brokers are licensed to sell insurance products.

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All insurance carriers that we represent, within the Medicare ecosystem, is a HMOs, and PPO plans with a Medicare contract. Our D-SNPs also have contracts with State Medicaid programs. Enrollment in our plans depends on contract renewal. Plan features and availability may vary by service area. Participating healthcare providers are independent contractors and are neither agents nor employees of the carrier plans they accept, except in situations in which you are notified otherwise by the carrier. The availability of any particular provider can not be guaranteed, and provider network composition is subject to change. Every year, Medicare evaluates plans based on a 5-star rating system.

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See Evidence of Coverage for a complete description of plan benefits, exclusions, limitations, and conditions of coverage. Plan features and availability may vary by service area.

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The formulary, pharmacy network, and/or provider network may change at any time. You will receive notice before such a change when necessary from your plan's carrier.

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Each carrier's brand name for insurance products issued by the subsidiary insurance companies is controlled respectively by the carrier and /or its company structure. None of the carriers we represent, nor Arnett Evans Jr, Arnett Evans and Company LLC, or AEC Insure, are connected with or endorsed by the U.S. Government, State and local government, and municipalities, or the Federal Medicare Program.

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This site is owned and operated by Arnett Evans a licensed representative of all carriers presented during a booked one-on-one presentation and is not the official website of any carrier in which we represent.

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