alliancehealthgroup

[alliancehealthgroup]

Long Term Care Insurance

Looking for Long Term Care Insurance in Florida?

Many people get overly concerned with their health insurance and/or Medicare, but it's the lack of Long Term Care coverage that oftentimes will financially cripple you.

Long Term Care expenses are the leading cause of bankruptcy during retirement, and the statistics show that over 75% of people over the age of 65 will need some form of Long Term Care at some point during their retirement.

It’s not a matter of if you will need Long Term Care it’s when and with the cost of Long Term Care inflation at record pace, not planning ahead will result in serious financial hardship at a time when you are supposed to be living out the rest of your life in peace.

When most people think of Long Term Care insurance, they think of a traditional LTC policy, however there are several different ways to fund long term care outside of the typical LTC policy.

With more creative and flexible insurance products on the market now, it’s important to evaluate every single option you have, and that's exactly what we can help you do, so you can live the rest of your retirement knowing that you won’t be financially destroyed, or financially destroy someone else like a child or relative.

If you need assistance with any type of senior insurance product, be sure to give us a call, or head over to our contact page to begin the process.

How to get started on your LTC quote

To get started on your quote, call our office or click over to our quotes page.

Either way we’ll make the process simple!

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Hospital Indemnity Insurance

Looking for Hospital Indemnity Insurance in Florida?

When you’re hospitalized, chances are there will be expenses that you have to pay yourself, even with an existing healthcare plan. A hospital indemnity insurance plan can cover a percentage of your income while you’re out of work and in the hospital.

It provides a cash benefit paid directly to you, which can help with your out-of-pocket expenses. One form of this plan is known as hospital confinement indemnity insurance.

While traditional health insurance pays for specific medical services after deductible or copayment amounts are satisfied, hospital indemnity insurance triggers coverage when specific events associated with hospital stays occur.

A type of supplemental insurance, hospital indemnity plans pay out when a policyholder checks into a hospital for an overnight stay, entitling him to claim a certain amount – say $450 – against the policy.

For each additional night’s stay he can add another $450 on top. A three-day sojourn at the local infirmary would entitle him to $750 and so on.

In addition to a hospital per diem, a more robust plan might feature payments per ambulance trip, surgery or maternity visit, or increased payments for intense ailments such as stroke or cancer. Benefits can be disbursed in lump sums for short admittances or on a daily or weekly basis during longer visits.

How to get started on your quote

To get started on your quote, call our office or click over to our quotes page.

Either way we’ll make the process simple!

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AHG Brokers - Health Insurance For Individuals and Families

Educating consumers about the Health Insurance Marketplace is a high priority for our agents. Agents educate consumers on the SHOP options and the process of applying and enrolling. They guide employers through the application and enrollment process and ensure that employees are properly enrolled and protected. AHG Brokers understands the unique needs of the individual and family market. It is a great resource for employers and employees alike.

The Affordable Care Act has made it easier for individuals to buy insurance and receive the benefits of coverage. The Marketplace has provided information about eligible plans and eligibility for premium tax credits. A licensed agent can help you enroll in the plan that best meets your needs. You will not have to pay extra for an agent's services. The process of registering for a health plan is easy. Visit the Marketplace to find a health insurance plan today.

The health insurance agents at AHG Brokers are devoted to helping consumers understand the Health Insurance Marketplace. This includes educating consumers throughout the coverage year and during Open Enrollment. They also assist employers with the application and enrollment process. By providing education and assistance, agents help you navigate the Health Insurance Marketplace. It is easy to enroll in a plan through an agent. With a single click, you can obtain a policy.

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Alliance Health Group Independent Insurance Review

Alliance Health Group Independent Insurance offers a variety of coverage plans. This company also offers secondary health insurance. The health supplement pays the member's share of deductible and coinsurance on a covered medical event. Eligible expenses include dental, vision and prescription drugs. The health plan also provides life insurance and a health savings account with an employer contribution. This company has been in the business of providing health insurance for over 25 years.

The health plan offers many benefits, including medical and dental coverage through Blue Shield. In Hawaii, Kaiser is also offered. The Silver and Gold Medical Plans also include a Health Savings Account (HSA), funded by the Alliance. Additional benefits include AD&D and vision coverage through Cigna's DHMO network. Basic life and AD&D insurance are also included. Employees may add additional coverage for a spouse and children. Income protection benefits are also available through a company-paid short-term disability and long-term disability plans.

In addition to the medical plan, Alliance offers a Health Savings Account (HSA) with the Silver and Gold Medical Plans. It provides generous contributions to HSAs each year. The company also offers dental and vision coverage through Cigna's DHMO network. Basic life and AD&D insurance are also included. The policy also offers additional employee-paid coverage for spouses and children. The income protection benefits include a company-paid short-term disability plan and a long-term disability plan.

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Alliance Health Group Insurance Services

The health plan benefits of Alliance Health Group Insurance Services are very comprehensive and affordable. They offer a variety of medical plans through the Blue Shield and Kaiser networks. With an HSA, members can save money for medical expenses. With the Alliance Gold and Silver Medical Plans, the employer contributes a generous amount each year. In addition, the company offers AD&D insurance and basic life insurance for employees and their dependents. The policy also includes income protection benefits such as a company-paid short-term disability plan and a long-term disability plan.

Aside from offering quality, affordable health coverage, Alliance Health provides comprehensive employee benefits. The company's network of providers offers comprehensive services for mental illness, substance use disorders, and intellectual/developmental disabilities. It also offers news and training opportunities. All of these benefits are available to Alliance Team Members at competitive rates. There are several ways to get your health plan benefits and understand your coverage options. The Alliance Health Plan is the best option for those who have multiple medical needs.

Alliance Health also offers an innovative program called HAP Advantage. It offers members discounted rates on health services, fitness club memberships, and weight loss meetings. Through HAP Advantage, members can save money on health care through a pre-tax account. Furthermore, Alliance Team Members can enjoy a variety of group health insurance benefits, including medical, vision, and prescription drug coverage. Once they have joined, they can participate in the Alliance Health Supplement program.

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Medicare Supplement

We’ll help you make sense of Medicare Supplement Insurance in Florida

Medicare Supplement insurance, often referred to as “Medicare gap” insurance, is designed to cover the difference between what you are billed by a medical provider and what Medicare actually covers.

Because Medicare has cost sharing of 80/20, Medicare beneficiaries are responsible for 20% of a Medicare-covered claim under Part B (medical insurance portion) of Medicare.

This means that if you are covered under Medicare and it is your only source of insurance, having the proper Medicare Supplement plan is a critical component.

If you are covered by both Medicare and a group insurance plan, either through your own employment or a spouse, you may not need your own stand-alone Medicare Supplement coverage because your group insurance could be functioning as your supplement.

There are multiple Medicare Supplement plans to choose from, with varying coverage limits and pricing. Choosing the wrong plan can result in thousands of dollars in out-of-pocket costs, so it’s important that you choose wisely.

Call our office today for personalized guidance with choosing your Medicare Supplement coverage.

Because we are an independent agency we have access to multiple Medicare Supplement companies and plans, so we can truly find the best possible plan and price for your unique situation and needs.

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Medicare Advantage Plans

Looking for a Medicare Advantage plan in Tampa?

When someone becomes eligible for Medicare, unless they are covered by a group plan of some kind, they have two options — Original Medicare or Medicare Advantage (Medicare Part C).

Medicare Advantage is an alternative to the government issued “Original Medicare” program, and is administered by private insurance companies, not the government.

Medicare Advantage plans combine the hospital, medical, and prescription drug coverages into one plan. This means if you are in a Medicare Advantage plan, you will have one identification card.

Medicare Advantage plans are different from Original Medicare in many ways, including pricing, coverage levels, co-insurance, deductibles and more. There are also special rules surrounding Medicare Advantage plans.

It’s critical that you get thorough and unbiased advice when it comes to choosing between Original Medicare and Medicare Advantage, because in some scenarios your final choice cannot be ��undone”.

Because we are an independent agency, we can provide you with objective advice that will educate you on the differences, pros and cons, and ultimately help you make your decision much easier.

How to get started on your quote

To get started on your quote, call our office or click over to our quotes page.

Either way we’ll make the process simple!

[alliancehealthgroup]

Senior Insurance Products

We’re the Senior Insurance specialists!

We specialize in all types of insurance products including insurance for seniors. Whether you need assistance with Medicare insurance, Long Term Care, Prescription coverage, or anything else, we’re here to guide you through the process of finding the best possible coverage for your situation.

Here are a few ways we help our local seniors:

Medicare Supplement, Advantage, and Prescription Drug

Medicare is one of the most complex health systems to understand because there are rules, regulations, deadlines, penalties, compliance, and other things that make it nearly impossible for the average consumer to comprehend. Luckily for you, we’re well versed in Medicare, and can help determine what the best route is for you to take when it comes to your Medicare health coverage.

We’ll help you understand things like the difference between Original Medicare and Medicare Advantage, and what the Medicare Part D Doughnut Hole is. These are things that if not properly planned for, can cost you hundreds, if not thousands of dollars in out-of-pocket costs.

With Medicare, if you don’t know what you’re doing, you could make a mistake that cannot be undone, so it’s important to consult with an independent agency like us, who can give you reliable and unbiased advice.

Long Term Care (LTC)

Many people get overly concerned with their health insurance and/or Medicare, but it's the lack of Long Term Care coverage that oftentimes will financially cripple you. Long Term Care expenses are the leading cause of bankruptcy during retirement, and the statistics show that over 75% of people over the age of 65 will need some form of Long Term Care at some point during their retirement.

It’s not a matter of if you will need Long Term Care it’s when and with the cost of Long Term Care inflation at record pace, not planning ahead will result in serious financial hardship at a time when you are supposed to be living out the rest of your life in peace.

When most people think of Long Term Care insurance, they think of a traditional LTC policy, however there are several different ways to fund long term care outside of the typical LTC policy.

With more creative and flexible insurance products on the market now, it’s important to evaluate every single option you have, and that's exactly what we can help you do, so you can live the rest of your retirement knowing that you won’t be financially destroyed, or financially destroy someone else like a child or relative.

How to get started on your quote

To get started on your quote, call our office or click over to our quotes page.

Either way we’ll make the process simple!

[alliancehealthgroup]

Disability Insurance

Looking for Disability Insurance in Tampa?

Alliance Health Group has got you covered!

Throughout your working lifetime, you are three times more likely to become disabled than you are to die before age 65. Makes a convincing case for having disability insurance, right?

Why then is it that people have historically been more likely to buy life insurance, not disability insurance?

The answer is simple: insurance consumers are confused by disability insurance. There are so many terms to understand that people typically give up, and end up not purchasing coverage at all.

If that sounds like you, don’t worry. The team at Alliance Health Group is here to help.

Disability Insurance is critical in ensuring that your income is protected in the event you can no longer work due to an injury or illness.

If you search the internet you’ll see a ton of different results from companies and brokers claiming to offer the best policy, but it’s important that you understand this type of coverage before you make a decision.

The Two different types of Disability Insurance

There are two different types of disability coverage:

Long Term Disability

Long Term Disability (LTD policies have a waiting period of several weeks to several months with a maximum benefit period ranging from a few years to the rest of your life.

Short Term Disability

Short Term Disability (STD) policies have a waiting period of 0 to 14 days with a maximum benefit period of no longer than two years.

Important Disability Insurance Conditions

Non-cancelable

This means the policy cannot be canceled by the insurance company, except for nonpayment of premiums. This gives you the right to renew the policy every year without an increase in the premium or a reduction in benefits.

Guaranteed renewable

This gives you the right to renew the policy with the same benefits and not have the policy canceled by the company. However, your insurer has the right to increase your premiums as long as it does so for all other policyholders in the same rating class as you.

More things to consider

In addition to the traditional disability policies, there are several options you should consider when purchasing a policy:

Additional purchase options

Your insurance company gives you the right to buy additional insurance at a later time.

Coordination of benefits

The amount of benefits you receive from your insurance company is dependent on other benefits you receive because of your disability. Your policy specifies a target amount you will receive from all the policies combined, so this policy will make up the difference not paid by other policies.

Cost of living adjustment (COLA)

The COLA increases your disability benefits over time based on the increased cost of living measured by the Consumer Price Index. You will pay a higher premium if you select the COLA.

Residual or partial disability rider

This provision allows you to return to work part-time, collect part of your salary and receive a partial disability payment if you are still partially disabled.

Return of premium

This provision requires the insurance company to refund part of your premium if no claims are made for a specific period of time declared in the policy.

Waiver of premium provision

This clause means that you do not have to pay premiums on the policy after you’re disabled for 90 days.

If this sounds confusing, don’t worry. The team at Alliance Health Group is here to walk you through your options and make sure you get the best possible coverage for your needs and budget.

How to get started on your quote

To get started on your quote, call our office or click over to our quotes page. Either way we’ll make the process simple!

[alliancehealthgroup]

Home Health Care Insurance

Looking for Home Healthcare in Tampa?

Home health care is a wide range of health care services that can be given in your home for an illness or injury. Home health care is usually less expensive, more convenient, and just as effective as care you get in a hospital or skilled nursing facility (SNF).

Examples of skilled home health services include:

Wound care for pressure sores or a surgical wound

Patient and caregiver education

Intravenous or nutrition therapy

Injections

Monitoring serious illness and unstable health status

The goal of home health care is to treat an illness or injury. Home health care helps you get better, regain your independence, and become as self-sufficient as possible.

If you get your Medicare benefits through a Medicare health plan, check with your plan to find out how it gives your Medicare-covered home health benefits.

If you have a Medicare Supplement Insurance (Medigap) policy or other health insurance coverage, tell your doctor or other health care provider so your bills get paid correctly.

If your doctor or referring health care provider decides you need home health care, they should give you a list of agencies that serve your area, but must tell you whether their organization has a financial interest in any agency listed.

What should I expect from my home health care?

Doctor’s orders are needed to start care. Once your doctor refers you for home health services, the home health agency will schedule an appointment and come to your home to talk to you about your needs and ask you some questions about your health.

The home health agency staff will also talk to your doctor about your care and keep your doctor updated about your progress.

It’s important that home health staff see you as often as the doctor ordered.

Examples of what the home health staff should do:

Check what you’re eating and drinking.

Check your blood pressure, temperature, heart rate, and breathing.

Check that you’re taking your prescription and other drugs and any treatments correctly.

Ask if you’re having pain.

Check your safety in the home.

Teach you about your care so you can take care of yourself.

Coordinate your care.

This means they must communicate regularly with you, your doctor, and anyone else who gives you care.

How to get started on your quote

To get started on your quote, call our office or click over to our quotes page.

Either way we’ll make the process simple!

[alliancehealthgroup]

The‌ ‌Alliance‌ ‌Health‌ ‌Group:‌ ‌A‌ ‌ Comprehensive‌ ‌Approach‌ ‌to‌ ‌High‌ ‌ Quality‌ ‌Healthcare‌ ‌Solutions‌

Alliance Health Group, Incorporated is a comprehensive health care administrator and professional consultancy firm. Their mission is to assist you to make better choices and live healthier and happier lives. They understand how to manage both the short term and long term aspects of your health care. They are able to effectively coordinate the care of patients with health insurance carriers.

With an Alliance Health Group, your healthcare needs are met from the beginning. When you join, you become a member of an organization that is devoted to making sure that all of your healthcare needs are met in the most efficient way possible. Once you become a member, you will gain access to a variety of useful resources that will help you plan and manage your health insurance policy. Alliance health group also offers private GP, managed care and referral services. With private up, you can see a physician anywhere you want - anytime, so there's never any inconvenience or hassle.

For those who aren't members of an alliance health group, private healthcare companies such as Care Security are beginning to offer virtual healthcare plans as well. This way, patients can take advantage of their favorite physician, without ever having to leave the comfort of their home. The cost of this type of private healthcare plan is considerably less than traditional private healthcare, due to the fact that virtual healthcare plans only pay for actual hospitalization and physician visits - no healthcare management or prescription costs. As long as your plan includes the most comprehensive network of doctors, your patients should be covered regardless of whether they have insurance through an alliance health group or private healthcare company. However, patients should always check with their particular healthcare carrier to confirm that they are included in their plan.

 Visit us: https://www.ahgbrokers.com/

[alliancehealthgroup]

Alliance Health Group is an independent insurance agency specializing in health insurance for individuals and families as well as employers and organizations.

Independent Agent Vs. The Rest

​As an Independent Health Insurance Broker, our goal is to find you the best protection for your current needs at an affordable price, offering you Piece of Mind, and Security.

Why do business with Alliance Health Group?

Unlike a captive, or direct insurance company who only offers their own proprietary products, our agency is 100% independent of any one company. Many insurance consumers don’t fully understand just how important that really is.

When it comes to something as important as insurance, it’s imperative that you work with an agency who has an in-depth knowledge of multiple insurance products, companies, and guidelines — not just one.

At the end of the day, what separates one agent from another, is their ability to proactively service their policyholders, and their knowledge of the insurance industry, products, and different situations that may present themselves to their clients.

Here is a quick comparison of the differences between an independent agency like us, and the various other types of companies that are out there:

If you’d like to get started with a complimentary quote and/or policy review, we’d be happy to help you any way we can. Simply complete the fields below to get started online in a matter of seconds.

We appreciate the opportunity to help you, and look forward to servicing your insurance needs! Feel free to call us directly if you have more detailed questions.

Visit us: https://www.ahgbrokers.com/

[alliancehealthgroup]

Group Insurance Benefits

We’re the Group Benefits Insurance expert in Florida

Are you a business owner looking for a more cost effective, or benefit rich group insurance plan? We can help.

We have access to a wide range of group insurance companies, and can help pair you and your business with the best possible combination of price and coverage.

If you know anything about group insurance coverage, you know that over the past few years plans have been changed dramatically with more high deductible, HSA compatible plans replacing the traditional, HMO/PPO plans.

If you’re not familiar with the differences, you can easily make a mistake that cannot be undone for up to a year. This outcome is problematic for many reasons, but even more so if you have multiple employees relying on you to offer them the best possible coverage.

Here’s how our agency can help you:

Group Health Insurance

Group Dental

Group Disability

If you need assistance in any of these areas and would like us to help, please call our office or head over to our contact page to get started. We would be happy to help!

How to get started on your Group Benefits Insurance quotes

To get started on your quote, call our office or click over to our quotes page. Either way we’ll make the process simple!

 Visit us: https://www.ahgbrokers.com/

[alliancehealthgroup]

Health Insurance

Health Insurance Plan Variables

We’re the Health Insurance expert in Tampa

Understanding the ins and outs of health insurance has become more and more difficult over the past several years.

Luckily, at Alliance Health Group, we have access to a long list of health insurance providers, and can walk you through your options.

Individual & Group Health Insurance

If you are an individual or family who does not currently have insurance through a group employer plan, our agency can walk you through your individual health plan options. If you own a business and would like to compare your options for group coverage, we can help you with that also.

If you’ve ever tried to decipher health insurance plans on your own, you may have noticed that there are dozens of different plan types, and multiple providers who offer them.

This leads to confusion as to which company is best, and which plan is most appropriate for your needs.

When deciding which plan is best, there are multiple variables that impact the final cost. During our meeting or phone call, we’ll discuss things like:

Deductible options

Co-insurance percentages

Waiting Periods

Exclusions & Conditions

If that sounds confusing, don’t worry, we’ll make it very simple.

How to get started on your Health Insurance quotes

To get started on your quote, call our office or click over to our quotes page. Either way we’ll make the process simple!

 Visit us: https://www.ahgbrokers.com/

[alliancehealthgroup]

Life Insurance

Looking for Life Insurance in Tampa?

Life insurance is not only the cornerstone of a solid financial plan, but it’s hands down one of the most cost effective ways to protect the people who depend on you financially.

What would happen to your family if you were to die prematurely? Would they be able to maintain their current lifestyle?

Would your kids be able to go to college? Would your spouse be able to shoulder the load with one income?

If you have a child, are married, or you are carrying any kind of debt, purchasing life insurance is a no-brainer.

If all three, well, hopefully you already have life insurance. Here are a few other reasons to have life insurance though:

charitable donations

pay federal death and estate taxes

create an inheritance for your heirs

pay final expenses

We make buying life insurance easy

At Alliance Health Group, we make the process of buying life insurance extremely simple.

We have access to a wide range of life insurance companies so we can survey the marketplace and based on your individual rating criteria, find the best possible life insurance policy at the best price.

When purchasing life insurance there are a few things to consider. Do you want Term Life Insurance, or Whole Life?

If you don’t understand the difference, that's okay. That’s what we’re here for.

Life insurance is based on two main variables — your age, and your health.

How much life insurance do I need?

A mistake that we often see people make is basing their life insurance coverage on a guess, or just grabbing a number out of thin air without realizing what the impact of inflation could have on their life insurance proceeds.

One of the benefits of working with an independent agent like us is that we can sit down, and through a comprehensive needs analysis, determine the exact amount of coverage you will need to protect the people who depend on you.

The amount of coverage you need depends on a number of different variables. Here are a few examples:

how many children you have

your future earnings potential

whether or not you’re married

spouses future earnings potential

you and your spouse's age

amount of debt you have

How to get started on your Life Insurance quote

To get started on your quote, call our office or click over to our quotes page.

Either way we’ll make the process simple!

Visit us: https://www.ahgbrokers.com/

[alliancehealthgroup]

Medicare Insurance

If you are approaching Medicare eligibility and are confused about Medicare and what your options are, we can make the process easy. We have extensive experience with Medicare Insurance in Tampa. Whether you are leaving a group employer plan, or a spouse's plan, or maybe you’re aging into Medicare at the age of 65, we can help.

How we help with Medicare Insurance

Choosing the right Medicare Supplement plan

Understanding Original Medicare vs. Medicare Advantage

How to choose the most cost effective prescription drug plan

How to minimize your out-of-pocket expenses

Understanding enrollment periods and penalties

How to avoid higher Medicare premiums

One of the biggest mistakes we see Medicare eligible people make in Tampa is dealing directly with Medicare, and directly with the insurance carriers. This fragments the process and just adds more confusion. What’s more, you could be sold a product that is more beneficial to a salesperson than it is to you.

If you have general questions, and would like to discuss your options, Alliance Health Group phone number is the only one you need. Call our office today, or submit an inquiry on our contact page to get the process started.

 Visit us: https://www.ahgbrokers.com/