Connecticut: Ron Gambardella Insurance & Financial Services

There is a bewildering array of life insurance choices. To name a few there are policies that do not require a blood and urine samples, others that return all of your premium payments at the end of the term period and still others that invest permanent policy cash values in an assortment of mutual funds. Each product has advantages and disadvantages. Most people who purchase insurance do not have the experience to make the appropriate choice given their own financial situation. You may have questions such as “Can someone own a life insurance policy other than the insured?” That is why service is what our clients expect and service is what we provide.

By focusing on a Connecticut, every client is afforded individualized personal service prior to purchasing a policy and after the policy is in force (You won’t believe the questions that come up relative to change in beneficiaries long after the policy has been sold.). Even before meeting with an agent, you can request your free, no obligation quote. You will receive your quote via e-mail. Only after your completely satisfied with the product and price, you will meet with an agent. The purpose of the agent visit is to complete your life insurance application as well as provide you an opportunity to ask any additional questions and get immediate answers – not to sell any products; the application process takes between 20 minutes and a half hour. Life insurance is important part of your financial planning. It is this personalized service that our clients value when making a decision to purchase a life insurance policy. The best part is that you will pay among the lowest premiums in the industry from top rated insurance carriers.

Shop for Life & Health Plans Online!
Serving Only Connecticut Residents and Businesses!
Ron Gambardella
Insurance & Financial Services
800-685-5727

Health Leaders Seek Consensus Over Uninsured

At a time when Congress has been torn by partisan battles, 24 ideologically disparate leaders representing the health care industry, corporations and unions, and conservative and liberal groups have been meeting secretly for months to seek a consensus on proposals to provide coverage for the growing number of people with no health insurance.

By ROBERT PEAR
New York Times
Published: May 29, 2005

Texas: Health Information Counseling & Advocacy Program

Health Information Counseling & Advocacy Program

HICAP´s mission is to establish and maintain a comprehensive, coordinated and statewide system of health insurance counseling for older and disabled Texans.

The Texas Department of Insurance partners with the Texas Legal Services Center and the Texas Department of Aging and Disability Services to provide information about both public benefits and private health insurance.

All HICAP programs in Texas are committed to working with seniors, particularly in the area of benefits counseling. HICAP staff and volunteers, located in 28 Area Agency on Aging offices, are trained in all aspects of public and private benefits.

HICAP staff and volunteer benefits counselors provide one-to-one assistance to seniors by:

* Providing information about Medicare and Medicaid eligibility, program benefits and appeal rights.
* Providing assistance with completing Medicare and supplementary claim forms.
* Explaining Medicare supplement insurance policy benefits, exclusions and coverage “language.”
* Explaining the “pros” and “cons” of Health Maintenance Organization (HMO) memberships.
* Providing information about long-term care options, including long-term care insurance.
* Making referrals to HICAP staff, the Texas Legal Services Center or other appropriate community agencies.

Benefits counselors are not allowed to recommend any policy or plan. Their role is to provide factual, unbiased information and assistance and to act as advocates when needed.

Get more information by calling 1-800-252-9240.

More Texas insurance resources for Medicare recipients

Indiana: Senior Health Insurance Information Program (SHIIP)

The Senior Health Insurance Information Program (SHIIP) is part of a federal network of State Health Insurance Assistance Programs located in every state. SHIIP is a non-profit organization designed to provide an unbiased place for seniors and pre-retirees to find answers to their health insurance questions. All of our services are free.

In Indiana, SHIIP is sponsored by the Centers of Medicare and Medicaid Services (the federal agency which administers Medicare) and the Indiana Department of Insurance. SHIIP is not affiliated with any insurance company or agency, and does not sell insurance.

SHIIP is staffed by a crew of volunteer counselors who have completed an intensive 4-day training course and are certified by the Indiana State Department of Insurance. Regular training updates keep them current with the most recent changes in Medicare and other health care insurance options.

SHIIP counselors are committed volunteers who offer you free and objective assistance in complete confidence.

To contact a counselor by phone at our central office, call:

1-800-452-4800
317-233-3475 (within Marion County)

Listing of SHIP counselors by county