Just Us Insurance Services, Inc.

Medicare Advantage Plans A Medicare Advantage Plan is a type of Medicare health plan offered by a private company that contracts with Medicare to provide you with all your Part A and Part B benefits. Medicare Advantage Plans include Health Maintenance Organizations, Preferred Provider Organizations, Private Fee-for-Service Plans, Special Needs Plans, and Medicare Medical Savings Account Plans. If you’re enrolled in a Medicare Advantage Plan, Medicare services are covered through the plan and aren’t paid for under Original Medicare. Most Medicare Advantage Plans offer prescription drug coverage. Medicare Supplement Insurance Plans A Medicare supplement (Medigap) insurance, sold by private companies, can help pay some of the health care costs that Original Medicare doesn’t cover, like copayments, coinsurance, and deductibles. Some Medigap policies also offer coverage for services that Original Medicare doesn’t cover, like medical care when you travel outside the U.S. If you have Original Medicare and you buy a Medigap policy, Medicare will pay its share of the Medicare-approved amount for covered health care costs. Then your Medigap policy pays its share. A Medigap policy is different from a Medicare Advantage Plan. Those plans are ways to get Medicare benefits, while a Medigap policy only supplements your Original Medicare benefits. Medicare Part D Prescriptions Plans Medicare offers prescription drug coverage to everyone with Medicare. If you decide not to join a Medicare Prescription Drug Plan when you’re first eligible, and you don’t have other creditable prescription drug coverage, or you don’t get Extra Help, you’ll likely pay a late enrollment penalty. To get Medicare drug coverage, you must join a plan run by an insurance company or other private company approved by Medicare. Each plan can vary in cost and drugs covered.

Individual and Family Health Insurance Covered Ca I Private Plans I Short Term | Travel Insurance We Represent Multiple Health Companies and Plans PPO I HMO I and EPO Pre-Existing Health Conditions Accepted Have a Doctor or Specialist you Need to Stay with? Do you have a Qualifying Event outside of Open Enrollment? Do you Qualify for a Tax Subsidy? PAYING TOO MUCH FOR HEALTH INSURANCE? WE CAN HELP! Just Us Insurance - 877-777-7055

Term life insurance provides coverage at a fixed rate of payments for a limited period of time, the relevant term. After that period expires, coverage at the previous rate of premiums is no longer guaranteed and the client must either forgo coverage or potentially obtain further coverage with different payments or conditions. If the life insured dies during the term, the death benefit will be paid to the beneficiary. Term insurance is typically the least expensive way to purchase a substantial death benefit on a coverage amount per premium dollar basis over a specific period of time. Simplified Issue Insurance Term Up To $500,000 Non Med Life Insurance. * SIMPLIFIED ISSUE * NO MEDICAL EXAM * 5 minute approval in many cases * NO PREMIUM collected until Policy is Approved $100,000 life insurance for as little as $8.96 per month * Call Today for a no cost quote to find out how low your monthly premium would be: 877-777-7055 Term with Living Benefits Why Life with Living Benefits? Most people think life insurance just pays out at death. However, that is not how this policy works. This life insurance has “living benefits” meaning it can be used while the insured is alive! It can help provide coverage for Terminal, Critical, and Chronic Illnesses. Terminal Illness Condition Accelerated Death Benefit Rider If 100% of the policy face amount has been accelerated, policy coverage terminates at the time of the payment and there would be no death benefit payable to the beneficiaries at the insured’s death. Chronic Illness Accelerated Death Benefit Rider Benefit amount shown assumes the maximum annual election of 24% acceleration of the policy face amount. The maximum benefit over the lifetime of the insured is 90% of the policy face amount or $500,000 including any other accelerated death benefits with the company, whichever is less. The benefit is paid out annually. The benefit amount depends upon the severity of the chronic illness and it’s impact upon life expectancy. Premiums will be reduced proportionately and will continue to be payable on the reduced face amount remaining. Critical Illness Accelerated Death Benefit Rider The maximum benefit over the lifetime of the insured is 90% of the policy face amount or $500,000 including any other accelerated death benefits with the company, whichever is less. The benefit amount depends on the severity of the critical illness and the insured’s remaining life expectancy at the time of acceleration. Premiums will be reduced proportionately and will continue to be payable on the reduced face amount remaining. Return Premium Term life insurance A form of term life insurance coverage that provides a return of some of the premiums paid during the policy term if the insured person outlives the duration of the term life insurance policy. For example, if an individual owns a 10-year return of premium term life insurance plan and the 10-year term has expired, the premiums paid by the owner will be returned, less any fees and expenses which the life insurance company retains. Usually, a return premium policy returns a majority of the paid premiums if the insured person outlives the policy term. The premiums for a return premium term life plan are usually much higher than for a regular level term life insurance policy, since the insurer needs to make money by using the premiums as an interest free loan, rather than as a non-returnable premium. Just Us Insurance – 877-777-7055