G. W. Edwards Medicare Solutions

Would I be a help to you if I can save you up to 50% or more on your out-of-pocket health care costs and more easily afford all of your family’s medical expenses such as doctor bills, dental and vision costs and all of your prescription drug costs? This plan will also help you to save money on all your medical costs that are not covered by your health insurance plan such as your copays and deductibles.
In addition, how would you like to have the ability to choose various elective medical treatments not covered by your
health insurance that you have always wanted or needed but could never afford before like plastic surgery, fertility treatment, lasik and dental procedures?
Did you know that health care costs are one of the biggest reasons why people file for bankruptcy?
https://www.healthmatchingaccounts.com/select-your-hma-plan/?broker=5720008457ASE
Gregory Edwards, Independent Broker
G.W. Edwards Healthcare Solutions
Health, Life, Dental, Vision, Medicare
For you, your business, your group.
You don't have to go it alone.
Call/Text (513) 692-7131
[email protected]

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Flexible, Budget-Friendly Health Insurance Plans | Pivot Health Pivot Health temporary & supplemental health insurance. Learn more about our health insurance alternatives.

For Immediate Release
September 1, 2022
September is Life Insurance Awareness Month:
Ohioans Urged to Evaluate Life Insurance During Financial Planning

COLUMBUS – A recent national study by Life Happens found that half of the population is financially unprepared in the event that a family’s primary wage earner was to pass away. The study revealed that 10 percent of people would experience financial strain in one week and 44 percent of people within six months.

Ohio governor Mike DeWine has designated September as Life Insurance Awareness Month and Ohio Department of Insurance director Judith L. French encourages Ohioans to examine the financial impact of losing a primary wage earner and to evaluate life insurance.

“Life insurance can play an important role in a family’s financial plan and financial security but it needs to be carefully evaluated with the assistance of an insurance agent,” French said. “Educational life insurance information is available from the Ohio Department of Insurance and our representatives are available to answer any questions.”

Director French provided these life insurance insights:

How does life insurance provide financial security?

Life insurance policy proceeds can help temporarily replace a primary wage earner’s income, fund ongoing expenses, and pay other debts left behind.

What is an appropriate amount of life insurance?

The amount of life insurance a person should purchase depends on unique factors such as their family situation and financial standing, including how much a person can afford to pay for it. An insurance agent can help determine a suitable amount.

Are there different types of life insurance products?

Life insurance falls into two product classes: term and cash value. Term insurance provides lower-cost coverage for a specific time, such as 5, 10, and 20 years. Cash value insurance -- whole, universal, and variable -- often spans a lifetime and includes savings and investment features.

Products with different benefits are available for different types of wage earners and some policies may allow for flexible premium contribution amounts. In addition, some premium amounts may increase after a certain amount of time that the coverage is active.

How often should I review my life insurance coverage?

Circumstances associated with marriage, children, loans, employment, and retirement are reasons to increase or decrease benefits, adjust policy features, and review the beneficiaries of the policy. Remember to review the policy’s annual statement to verify the policy is performing as expected and address any concerns with an insurance agent.

Where can I get life insurance information and assistance?

Educational life insurance information is available from the Ohio Department of Insurance at www.insurance.ohio.gov and the National Association of Insurance Commissioners at www.naic.org. Call 800-686-1526 and email [email protected] to reach department representatives with your life insurance questions and/or concerns.

NAIC - Supporting Insurance, Regulators, & Public Interest The National Association of Insurance Commissioners serves to protect public interest, promote competitive markets, and improve state regulation of insurance.

If you died tomorrow ...do you have a plan in place to protect your
loved ones from the burden of your end-of-life costs?
Call me. I can help.
Gregory Edwards, Independent Broker
Health, Life, Dental, Vision, Medicare
For you, your business, your group.
You don't have to go it alone.
Referrals are the lifeblood of my business.
Call/Text (513)692-7131
[email protected]

https://agents.ethoslife.com/invite/48ab3
Gregory Edwards
Independent Broker

Health, Life, Dental, Vision, Medicare

For you, your business, your group.
You don't have to go it alone.

Referrals are the lifeblood of my business.
Call/Text (513)692-7131
[email protected]

Hospital Indemnity
Even if you have medical insurance, certain costs of a hospital stay are often not covered. But Hospital Indemnity insurance can come in clutch to fill in coverage gaps for things like ambulance rides, emergency room visits, and observational monitoring.
1. Hospital Indemnity provides asset protection.
“The majority of Americans do not have sufficient funds lying around to cover an expensive unexpected hospital stay,” Rayburn says. On average, this runs $30,000 for three days.
“Medico’s Hospital Indemnity Insurance will help cover much of the out-of-pocket costs not covered by traditional insurance plans. It also can ensure that the savings they do have will not have to be used or depleted to cover an unexpected hospital stay,” Rayburn adds.
2. It pairs well with Medicare Supplement.
Since Hospital Indemnity insurance is full of riders, it’s possible to customize coverage based on your individual financial needs, family history, medical history, and overall risk profile.
3. It also teams up nicely with other high deductible plans.
Most health insurance options — including Affordable Care Act plans, Medicare Advantage, and other high deductible plans — were not designed to cover all medical expenses, especially those associated with a hospital stay. Medico’s Hospital Indemnity plan pays the policyholder a dollar amounts they’ve chosen to fill in those gaps, Rayburn says.
4. Hospital Indemnity is ideal to most adults 18 or older.
Any age of client is ideal to at least mention Hospital Indemnity insurance, Rayburn says; however, Medico’s Hospital Indemnity insurance is issued from age 18 to 85.
“The premiums are level beginning at issue date, which is great news for those whose policy is put in place at younger ages,” Rayburn says.
5. It keeps life insurance premiums steady.---.
“People will pay their necessary bills before they will pay extras, such as cell phone bills, gym memberships, or life insurance premiums,” Rayburn says. “Medico’s Hospital Indemnity plan will provide the extra money to cover the costs of the hospital charges not covered by health care, so the policyholder will not be feeling the financial stress of choosing to pay for necessities versus other expenditures.”
6. Lump Sum Cancer benefit riders can be incredibly helpful in the event of a cancer diagnosis.
More than 1 in 3 (36%) of Americans will receive a cancer diagnosis at some point in their lives, reports the National Cancer Institute. I can help you fill gaps with Hospital Indemnity riders to cover indirect costs related to most cancer-related treatments, like experimental trials, medicine, or even job loss.
7. Additional riders can help with other long-term treatments and monitoring needs.
Beyond the cancer rider, Medico offers six more riders that are designed to cover other potentially costly things, like ambulance rides, speech/occupational/physical therapy, outpatient surgery, and skilled nursing care needs after a hospital stay.
“Many times, seniors, even those who are covered by a Medicare Supplement plan, have an opening for out-of-pocket costs. The base plan can be driven down since a Medicare Supplement will cover the hospital costs, and riders can be added for a fraction of the cost of stand-alone plans that are in the market,” Rayburn says.
8. Travel benefits can be used for the policyholder and another legal adult.
The transportation and lodging benefit can assist in charges, like gas, for drives to appointments or even the hotel stay of another legal adult accompanying the policyholder while they are receiving in-hospital or outpatient care.
Thanks,

Gregory Edwards
Independent Broker

Health, Life, Dental, Vision, Medicare
For you, your business, your group.
You don't have to go it alone.

Referrals are the lifeblood of my business.
Call/Text (513)692-7131
[email protected]

Ameritas https://myplan.ameritas.com/id/010S8095
Enrollment is easy with PrimeStar® plans!
PrimeStar individual dental and vision plans provide valuable benefits. Here are four reasons to have PrimeStar plans from Ameritas.
1. Comprehensive dental and vision plans with large networks cover expected and unexpected costs for clients, with day-one coverage.
2. Access to popular vision retailers such as LensCrafters, Target Optical, Walmart, Sam’s Club, Glasses.com and more.
3. Robust dental plans include additional features such as teeth whitening, LASIK, and/or hearing benefits.

https://myplan.ameritas.com/id/010S8095

Hello,
I wanted to share something easy you can do to check another financial responsibility off your
list: apply for life insurance. I know getting life insurance can seem complex and
time-consuming, but it doesn’t have to be.
Here is a new way to get life insurance. The 100% online application only takes a few
minutes. Additionally, most people don’t have to get a medical exam if they answer just a
few medical questions. Prices vary by age and health, but up to $1 million of coverage
starts at just $30 a month!
Here’s how it works:
1. Get a free, personalized quote.
2. Complete the simple online application (seriously, it just takes minutes!).
3. Your application is reviewed, and you are given a final decision (can be same-day).
Take the steps towards protecting your loved ones’ financial future today by getting started
using my exclusive quoting link https://agents.ethoslife.com/invite/48ab3

If you’d prefer, I can also help answer questions about the application process— just let me know.
Let’s get your loved ones protected!

Thanks,

Gregory Edwards
Call/Text (513)692-7131
[email protected]
Independent Broker
Health, Life, Dental, Vision, Medicare
For you, your business, your group.
You don't have to go it alone.
Referrals are the lifeblood of my business.

“Don’t underestimate the power of vision and direction. These are irresistible forces, able to transform what might appear to be unconquerable obstacles into traversable pathways and expanding opportunities.” - Jordan Peterson

The true cost of cancer is more than physical and emotional stress. It can be a substantial financial burden. Discover how our First Diagnosis Cancer plans can help you cover the direct and indirect costs of cancer treatment.
Gregory Edwards
Independent Broker
Health, Life, Dental, Vision, Medicare
For you, your business, your group.
You don't have to go it alone.
Referrals are the lifeblood of my business.
Call/Text (513)692-7131
[email protected]

Medicare Supplement

We offer value-driven options to you. Starting in February, you now have access to our new MedSupp product that includes MultiDiscount1 so you can save more.

You will enjoy benefits that include:

MultiDiscount savings for households, roommates, and dental coverage bundles.
A dedicated customer service team they can count on.
Active&Fit Direct fitness center access.
A full suite of MedSupp coverage for peace of mind above and beyond Medicare.

Contact your agent to learn more.
Gregory Edwards independent broker
Health, Life, Dental, Vision, Medicare
For you, your business, your group.
You don't have to go it alone.
P.S. Referrals are the lifeblood of my business.
Call/Text (513)692-7131
[email protected]

J.D. Power Studies: UnitedHealthcare Vision and Dental Plans Rank Highest in Customer Satisfaction

We are proud to announce UnitedHealthcare Vision and Dental plans each rank highest in customer satisfaction among the nation’s vision and dental carriers, according to recent reports from J.D. Power.
Contact
Gregory Edwards
Health, Life, Dental, Vision, Medicare
For you, your business, your group.
You don't have to go it alone.
Call/Text (513)692-7131
[email protected]

ACA Open Enrollment is here!

Have you talked to about adding supplementals?

________________________________________

You may qualify for ACA subsidies to help cover their health plan premium, but still may have deductibles and co-insurance to pay. Supplemental plans can help cover these out-of-pocket costs.
You can protect your wallet from accident-related incidents or hospitalization expenses with supplemental products!

You can use the benefit amount to pay for out-of-pocket expenses like deductibles, co-pays, or household expenses.

Gregory Edwards
Health, Life, Dental, Vision, Medicare
For you, your business, your group.
You don't have to go it alone.

Call/Text (513)692-7131
[email protected]

Comparing Medicare plans could save you money

Now's the time to explore your options and find a plan that best fits your needs and budget!

Gregory Edwards
Health, Life, Dental, Vision, Medicare
For you, your business, your group.
You don't have to go it alone.
Call/Text (513)692-7131
[email protected]

4 Things That Happen If You Avoid the Dentist

Many people believe good oral care means they only need to brush their teeth once or twice each day, and floss once daily. While these are important actions, it’s also necessary to schedule regular dental appointments for a checkup and professional teeth cleaning.
Consider four things that happen if you don’t:

Tooth decay – Daily tooth brushing and flossing help keep plaque under control. Plaque is created by food particles that join with bacteria to form a substance that adheres to teeth. If not removed, plaque can break down tooth enamel and cause decay. During regular dental checkups, dental professionals clean and remove plaque. Skipping these appointments allows bacteria to flourish and attack your teeth and gums, and create decay that may require extensive restorations, such as a root canal or crown, and also cause bad breath.
Gum disease – Untreated tooth decay can lead to gum or periodontal disease. The gums are designed to provide a tight cover around your teeth and roots. Plaque bacteria can attack the gums, causing swelling and bleeding, allowing bacteria to settle underneath. If not treated properly, this condition, called gingivitis, can lead to periodontal disease.
Health problems – During a checkup, dental professionals also may detect signs of serious medical problems. Catching these problems early may help you avoid expensive medical bills. If you don’t regularly see the dentist, health problems, such as hypertension, diabetes, oral cancers, kidney failure and heart disease may not be discovered until they’re in a more advanced stage. Often it’s because people see their dentist more often than their regular medical doctor.
Stains – Drinking coffee, tea and wine, or smoking ci******es can stain teeth and create an unattractive smile. Professional teeth cleanings help remove stains. However, dark discolorations may require cosmetic dentistry procedures to remove stains and whiten teeth.
Thanks,
Gregory Edwards
Health, Life, Dental, Vision, Medicare
For you, your business, your group.
You don't have to go it alone.
Call/Text (513)692-7131
[email protected]

https://www.sunfirematrix.com/app/consumer/ember/?sfpath=jsa&sfagid=16660248

SunFire Medicare Plan Finder

See the Value of Ameritas Dental Insurance

Why have dental insurance?
Did you know that Medicare doesn’t cover most dental procedures like cleanings, fillings and dentures? It’s important to schedule your preventive visits and take care of issues early before they become more serious and more expensive. Visiting the dentist regularly allows your dentist to notice early warning signs of diseases like diabetes, heart disease, and even cancer.

Save money
Dental insurance helps you save money. You can visit any dentist. For savings up to 25-50%, visit an Ameritas Dental Network provider.

See immediate savings with PrimeStar® dental plans.*

Procedure Day-one savings Year-two savings
Preventive visit 100% 100%
Crown 53% 71%
Filling 90% 95%

Benefits with you in mind
• You have access to the Ameritas Dental Network, one of the nation’s largest.
• Day-one coverage means you can receive quality, affordable care right away.
• Receive coverage for the services you need most like preventive visits and fillings.

Good oral care can provide years of healthy smiles, and it’s a whole lot easier and more affordable with dental insurance.

View dental plans at (insert your unique shopping URL).

*Savings are based on the PrimeStar Total plan with network rates and do not include a deductible.

Gregory Edwards
Health, Life, Dental, Vision, Medicare
For you, your business, your group.
You don't have to go it alone.
Call/Text (513)692-7131
[email protected]

Identifying the best Medicare plan is often overwhelming for beneficiaries. What are the benefits of each? What are the distinct differences between the plans? Which one should you go for? To qualify for Medicare plans, you have to be 65 years or older. You’ll automatically be signed up if you receive social security payments unless you decide to opt out.

Original Medicare is available in part A, which mainly covers hospitalization expenses, and Part B for other medical expenses, including doctor bills, preventive screening, lab tests, etc. Medicare Advantage plan, on the other hand, is run by private companies but still regulated by the government. Some people prefer this plan compared to Original Medicare as some plans also include additional drug coverage.

Between Medicare Advantage vs. Original Medicare, which one is best suited for your needs? Here’s a complete guide into the pros and cons of each, their main differences, and the main factors you should consider before making a decision.
https://myhst.com/news/medicare-advantage-vs-original-medicare-which-one-should-you-go-for/
Thanks,
Gregory Edwards
Health, Life, Dental, Vision, Medicare
For you, your business, your group.
You don't have to go it alone.
If you have a friend or business associate who can benefit from my experience, please contact me. Your referrals are the greatest compliment that I can receive, so please don't keep me a secret!
Call/Text (513)692-7131
[email protected]

Medicare Advantage vs. Original Medicare: Which One Should You Go For? Identifying the best Medicare plan is often overwhelming for beneficiaries. What are the benefits of each? What are the distinct differences between the plans? Which one should you go for? To qualify for Medicare plans, you have to be 65 years or older. You’ll automatically be signed up if you rec...

Medicare Open Enrollment begins October 15! It's your chance to review your coverage and see if you can save money next year.
Do you like to plan ahead? Contact us to preview plans ahead of Open Enrollment. Remember, you can use star ratings to look at the quality of health & drug plans as you compare coverage options.

A message from your local agent

September Is Life Insurance Awareness Month!

The Value Of Life Insurance
Life insurance can be invaluable for you and your loved ones. The policy death benefit can provide funds needed when the unexpected happens to help cover final expenses, a mortgage balance, child care and other expenses.

Check out our brochure on The Value Of Life Insurance by clicking here.https://files.constantcontact.com/a6e7da9f001/4bc03d62-1b32-47aa-a317-032041ba9878.pdf

files.constantcontact.com

Interested in learning about Allstate Benefits Voluntary products.
Accident, Critical Illness, Disability, Hospital Indemnity and Life.
Allstate Benefits | Small Market Solutions (allstatevoluntary.com)