Dental care spending in the United States is estimated at $161.4 billion annually and dental service expenses are expected to increase annually by 5.4%. With costs continuing to increase, do you have a dental insurance plan to help cover these expenses?
If the need for long-term care lasts more than a year, the average time after that is almost 4 years of care. 50% of long-term care claims last more than 1 year, so the probability that you or a loved one needs care for longer than a year is extremely high.
What does HMO stand for? Health Maintenance Organizations. This type of insurance plan offers a network of primary care physicians and doctors to choose from – plus reduced premium costs and little to no deductible costs.
We understand that Medicare and all the various supplemental plans can be confusing even to people who understand how insurance programs work. When you need a little help determining which plans will be in your best interest, we’d love to help.
Munz-Hermes & Associates, Inc. added a new photo — at Munz-Hermes & Associates, Inc.
June 27, 2019 at 3:25 PM · Bloomington, IL ·
Phillip J Hermes
Co-founder and President of Munz-Hermes & Associates, Inc.
A sexagenerian, is a person who is between 60-69 years of age. Now is the time, to learn about Social Security, Medicare and Estate Planning. We have a team of Advisors that can be a good resource for you and your family, so you can simplify your life and retire happy! Tune in at 9 AM on WEXG 98.3 FM Radio or click the link to listen live and learn more! https://radio.securenetsystems.net/v5/index.cfm?stationCallSign=WWHP
COLUMBUSCEO.COM
Estate Planning: Medicare vs. Social Security
When signing up for life insurance, you will name a primary beneficiary. This can be one person or multiple people and you can decide what percentage goes to each person on that form.
2020 has finally come to an end. Here is some great news to get your new year started: Anyone who currently has a Medicare Supplement that has become too expensive, can shop for a different Medicare Supplement all 12 months of the year. This is just one of the many benefits offered here at Munz-Hermes & Associates, Inc. To learn more, visit https://www.munzhermes.com/Medicare
MUNZHERMES.COM
Medicare - Bloomington, IL – Munz-Hermes & Associates, Inc.
Do you use toothpicks? Dental experts say that’s not a good idea because of the risk of damaging your teeth or gums. Instead rely on dental floss to supplement brushing. The same goes for chewing on pens and pencils. Stop it.
A good dental insurance plan should cover 50% of more major procedures which include crowns, bridges, implants, and dentures. This also includes 50% of orthodontic treatment, or braces, up to about $2,500.
Did you know that roughly one in four 20 year olds today will become disabled by age 65? This is why disability insurance is so important to have even though even though not many people have it.
