Frequently Asked Questions
- What types of insurance do you offer for seniors?
- We specialize in comprehensive coverage options tailored for seniors including Medicare Supplement plans, final expense insurance, long-term care coverage, and specialized life insurance policies designed for older adults.
- How do I know if I'm eligible for your insurance plans?
- Eligibility varies by plan type but generally, our policies are available to individuals aged 50-85. Some plans have medical underwriting while others are guaranteed issue. Our agents can help determine your eligibility during a free consultation.
- Can I keep my current doctor with your Medicare plans?
- Most of our Medicare Supplement plans allow you to visit any doctor that accepts Medicare patients nationwide. For Medicare Advantage plans, we'll help you select a plan that includes your preferred providers in its network.
- How much does senior insurance typically cost?
- Costs vary based on coverage type, age, health status, and location. Our Medicare Supplement plans start as low as $100/month, while final expense insurance can begin around $30/month. We always provide transparent pricing with no hidden fees.
- What's the difference between Medicare and Medicare Supplement?
- Original Medicare (Parts A & B) covers basic hospital and medical services but has gaps. Medicare Supplement (Medigap) policies help pay for costs that Original Medicare doesn't cover, like copayments, coinsurance, and deductibles.
- Is there a waiting period for coverage to begin?
- Most of our plans have no waiting period, with coverage starting as soon as your first premium payment is processed. Certain specialized policies may have limited waiting periods which we'll clearly explain during enrollment.
- Can I change my policy if my needs change?
- Absolutely. We offer policy reviews and adjustments during annual enrollment periods or when you experience qualifying life events. Our team will help you modify coverage to match your current situation.
- What happens if I move to another state?
- Most of our policies are portable nationwide. Medicare Supplement plans are standardized across states, while other policies may need minor adjustments. We'll handle all the paperwork to ensure continuous coverage.
- How do claims work with your insurance plans?
- For Medicare-related plans, claims are automatically filed through Medicare's system. For other policies, we offer simple online claims submission and dedicated claims assistance to ensure prompt processing.
Policy Specific Questions
- What's included in your final expense insurance?
- Our final expense coverage helps pay for funeral costs, outstanding medical bills, and other end-of-life expenses. Policies typically range from $5,000-$25,000 and include benefits like immediate coverage guarantees and flexible payment options.
- Does your long-term care insurance cover in-home care?
- Yes, our comprehensive long-term care policies cover in-home care services including skilled nursing, therapy, and assistance with daily activities. Benefits can also be used for assisted living facilities and nursing homes.
- Are pre-existing conditions covered?
- Coverage varies by plan type. Many of our Medicare Supplement plans cover pre-existing conditions after a short waiting period, while some specialized policies may have limitations. We'll always explain these details before you enroll.
- How do I pay my premiums?
- We offer multiple convenient payment options including automatic bank drafts, credit card payments, and traditional mail-in options. Many clients qualify for discounts when setting up automatic payments.
- What if I miss a premium payment?
- We provide a 30-day grace period for all payments. Our system sends multiple reminders before any policy would lapse, and we're always available to discuss payment arrangements if you're experiencing financial difficulties.
- How do I get started with SilverGuard Insurance?
- Getting coverage is simple. You can call our licensed agents, request a quote online, or schedule a free consultation. We'll guide you through every step of selecting and enrolling in the perfect plan for your needs.