Senior help and you - In Need of Medicare?

There are 2 main ways to get your Medicare coverage – Original Medicare (Part A and Part B) or a Medicare Advantage Plan (Part C). Original Medicare doesn’t cover everything, so many people buy additional coverage, like a Medicare Prescription Drug Plan (Part D) or a supplemental Medigap policy.

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Medicare Savings Programs: Getting Help with Medicare Costs

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Medicare Supplement vs Medicare Advantage Plans

Medicare Supplement (Medigap) and Medicare Advantage Plans are two different types of plans.

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Medicare Supplement Plans available here

Medicare Supplement Plans do not pay for services that are not covered by Medicare. Medicare Supplement Plans do not include Part D coverage. You should enroll in a stand-alone Part D Plans.

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Medicare Advantage,Part C Coverage

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Medicare Part D (RX) Coverage

We can help you with the right plan

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Compare Rates for 2020 Medicare Supplements and Medicare Advantage

Compare all available plans in your area.

You could save hundreds on Medicare costs

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Medicare

Medicare Overview

Medicare Supplement Plans

Medicare Plan D Plans

Medicare Advantage Plans (Part C)

Medicare Perfect Formula

Medicare Overview

Medicare Supplement Plans

Medicare Plan D Plans

Medicare Advantage Plans (Part C)

Medicare Perfect Formula

How to qualify for Medicare Savings Programs? (MSP's)

To qualify for a Medicare Savings Program (MSP), you must meet your state’s in- come and asset limits. Listed below are the baseline federal income and asset limits for each MSP. Most states use these limits, but some states have different guide- lines. For example, Alaska, Connecticut, the District of Columbia (DC), Hawaii, and Maine have higher income limits. Alabama, Arizona, Connecticut, Delaware, DC, Mississippi, New York, and Vermont do not apply asset limits.

Health

Understand your health insurance cost

Medical Insurance

Hospital Indemnity Plans

Critical Illness Plans

Understand your health insurance cost

Medical Insurance

Hospital Indemnity Plans

Critical Illness Plans

Dental / Vision

We offer dental plan for everyone

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Annuities / Life

Annuities

When we say ‘Secondary Market Annuity’ we simply refer to period certain, fixed-term annuities that are available to you on the secondary market. These are contracts and payment streams owned by individuals who wish to sell their future payments for cash today. We connect buyers who want these future payments with the sellers and manage the entire transaction in a highly regulated, the court approved,and attorney reviewed.

BUYING ANNUITIES

Secondary Market Annuity offers security, safety, and an absolute guarantee. They are perfect for investors who want a known outcome from their investment, payable to themselves or their heirs. Secondary Market Annuities- sometimes abbreviated ‘SMA’- is also a good way to ensure an inheritance or income for someone else in the future- the payments are absolute and once purchased, will be paid no matter what. A Secondary Market Annuity can produce a wide variety of payment streams to suit many planning situations.

MORE ABOUT ANNUITIES

The secondary market annuity inventory page is arranged in the following major categories: Immediate Income, Deferred Income Lump Sum As you would suspect by these categories, the duration, and timing of income from each case varies. When compared to CD’s and period certain annuities, the yields from a Secondary Market Annuity is 2-4% higher. For example, period certain immediate annuities have an effective yield of 1.5 to 2%, whereas a Secondary Market Annuity is 4-6%. Quite simply, you get more income for a lower cost.

Are Annuities right for you?

We have buyers in all age groups, from young conservative investors to retirees seeking a defined income stream. Secondary Market Annuities are perfect for investors seeking a higher yield than any other available fixed, period certain investment. This may mean an income stream, a future lump sum, or a combination. These payment streams work equally well for retirement planning, college saving, and inheritance planning. They also work particularly well in cases where a couple has a wide discrepancy in age and lifetime income streams tied to the younger of the two are not attractive.

Life Insurance

Which insurance is better for you

Final Expenses Insurance

Term Insurance

Supplement your retirement assets

Life Insurance

Which insurance is better for you

Final Expenses Insurance

Term Insurance

Supplement your retirement assets

Summary of Secondary Annuities:

Secondary Annuities, or secondary market annuities (SMA) are existing, in-force payment streams backed by annuities, available at a discounted price and higher yield than comparable fixed-term annuities.
Purchasers acquire the right to receive those future payments in a court-ordered and state-regulated transfer procedure.
Annuities payments offer a higher yield and lower price because sellers in need of cash today, sell their future payments at a discount.
Annuities payments are guaranteed and period certain. These income streams are paid exactly as scheduled to the purchaser or their heirs.
Annuities payments have no price volatility, no market exposure, and no complicated terms or contracts.

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About Senior Help And You, LLC

YOUR MISSION SHOULD YOU CHOOSE TO ACCEPT IT, is to return to the seniors what is rightfully theirs. To provide objective information and assistance on Annuities, Life, and Medicare insurance. We save you money on your insurance needs. It is just that simple. We continue to find better ways to accomplish that mission. Because of that, we thank you for the opportunities you provide for us.