California Health Insurance Quotes and Blog

California Health Insurance agent Matt Lockard is now offering kidnap and ransom insurance to shipping crews placed in harm’s way.

The man who entered Matt Lockard’s cheerful and tastefully decorated office on that Wednesday afternoon wore buckles on his shoes and a silk shirt dating from the 18th Century. He carried a sword of some kind quite visible in the scabbard he wore. He also wore a black patch over his right eye. His teeth were rotten and his skin was mottled and yellow. He caught Matt staring.

“What?” the man said. “Haven’t you ever seen scurvy a’fore?”

Matt Lockard is not a man to unsettle easily. “C-an I help you?” he said while flashing his own well-flossed pearly whites.

“I’ve heerd that you’s a sellin’ Kidnap and Ransom insurance to shipping crews,” the mysterious man said. “I’m prepared to set me sails off beyond the African continent next month.”

“You heard right,” Matt said with a bit more confidence.

“Better give me some,” said the mysterious man. He provided his name as Edward Teach, and demonstrated a clear vulnerability. “I want to feel safe. Heard tell that there’s pirates agin’ roamin’ the seven seas, making the waters treacherous. Can I pay with gold pieces, or do you require silver?”

“You’re a teacher?” Matt asked. Part of a syllable had evidently been made to walk the plank.

“Yes, something like that,” Teach said, his teeth giving off a slight stench as he opened his gob.

“You’re smart to purchase kidnap/ransom insurance,” Matt added, feeling more at ease with the man. “Gold or silver, it’s all the same to me. Just no doubloons. They don’t fit in the cash drawer properly.”

“What else does it cover?” Mr. Teach asked once the transaction had been consummated.

“The EPIC 1 plan covers illegal detention, extortion, home invasion, carjacking, and numerous other means of extorting money from you,” Matt explained.

“I see,” said the swashbuckler, suddenly grinning from ear to ear, “You are an honorable sort Lockard, an honorable sort indeed.”

“I’m a California Health Insurance agent sir. I be nothing more, nothing less.”

Although it might seem confusing, the various options for Medigap coverage can be made easier to understand by contacting a licensed health insurance broker who is familiar with the industry.

A Medicare Supplement Policy/Medigap policy helps cover the cost for medical services that original Medicare does not cover. It’s an extra add on kind of policy to address holes or gaps in the original Medicare plan. Medicare Supplement Policies when combined original Medicare work together to pay most health care costs.

There’s a prevailing myth that Medicare and Medigap are so complex and so varied across the nation that no one could possibly understand them, let alone afford them. Therein lays the myth. Medicare Supplement plans can be very affordable and are standardized in the sense that all insurance carriers have the same plan designs for Medicare supplement polices. The only difference from carrier to carrier is price.

What differs at the state level is that private health insurance companies have the option to choose which of the 10 Supplement plans they will sell to the consumer. So it makes good sense to compare the plans and the premiums prior to making a purchase. Plans A through J offer a variety of different benefits and extras making them ideal for consumers who like a cafeteria approach to health care coverage.

Health insurance agents can make a huge difference in the type of coverage consumers opt for simply by the nature of the advice they are able to provide. Local health insurance brokers are the ones with a better grasp on the marketplace than big name insurance brokers who provide call centers that don’t take into account a person’s state of residence.

In order to get Medigap policy, customers must first have both parts and B of Medicare. The choice of the additional Medigap coverage will include a premium for the coverage in addition to the premium paid for Medicare part B. In rare cases some Medicare Beneficiaries will pay for their Part A. Spouses must each have their own Medigap policy. The husband’s Medigap coverage will not apply to the wife and vice versa.

The general consensus on the Medicare Supplement/Medigap industry is that these separate insurance policies fill quite a few “gaps” of the original Medicare. While it may not always be perfect coverage, one of the Medigap plans usually satisfies the customers’ needs.

For more information please visit www.mattsinsurance4ca.com or contact Matt Lockard by email at matt@mattsinsurance4ca.com