AGES 0 TO 64 1/2 UNDER FAMILY HEALTH INSURANCE BELOW UNDER SECTION II : ** MEDICARE SUPPLEMENT PLANS ** LET ME BE THE FIRST TO WISH YOU HAPPY BIRTHDAY . NOW THAT YOU ARE TURNING " 65 " YOU MIGHT BE SHOPPING FOR A MEDICARE SUPPLEMENT , OR YOU MIGHT BE THINKING THAT MEDICARE IS ALL YOU NEED . HERE ARE A FEW THINGS YOU NEED TO KNOW BEFORE YOU MAKE THAT DECISION !!!!!

CONTACT HEARTLAND INSURANCE AGENCY FOR INFORMATION ON A MEDICARE SUPPLEMENT PLAN THAT IS RIGHT FOR YOU . CALL : ( 618 ) 435 - 3083 FOR A PERSONAL IN HOME INTERVIEW OR E-MAIL FOR YOUR FREE QUOTE TODAY .

MEDICARE HAS TWO PARTS : MEDICARE PART A (HOSPITALIZATION) COVERS SOME COST ASSOCIATED WITH HOSPITALIZATION AND SOME COSTS ASSOCIATED WITH SKILLED NURSING FOLLOWING HOSPITALIZATION. WHILE MEDICARE PROVIDES SOME BASIC COVERAGE FOR BOTH HOSPITALIZATION AND SKILLED NURSING , THERE ARE GAPS - GAPS THAT MEDICARE DOESN'T COVER . THAT GAP CAN RESULT IN THOUSANDS OF DOLLARS IN COST THAT YOU ARE EXPECTED TO PAY . MEDICARE PART B (MEDICAL EXPENSES) COVERS SOME OF THE COST RELATED TO PHYSICIAN SERVICES,OUTPATIENT CARE ,TEST AND SUPPLIES . THE COST NOT COVERED LEAVE A GAP THAT CAN ALSO RESULT IN THOUSANDS OF DOLLARS IN COST YOU ARE EXPECTED TO PAY . YOU MAY WANT TO VISIT THE COMPANY WEB-SITE TO FIND OUT MORE ABOUT A MEDICARE SUPPLEMENT PLAN THAT IS RIGHT FOR YOU . OR CALL ( 618 ) 435 - 3083 FOR YOUR PERSONAL IN HOME INTERVIEW TODAY .

SECTION II INDIVIDUAL AND FAMILY HEALTH , DENTAL ,AND TERM LIFE INSURANCE PLANS : WHICH PLAN IS BEST FOR YOU ? LETS PUT YOU IN CHARGE OF YOUR HEALTH CARE INSURANCE CHOICES . SELECTING THE RIGHT PLAN FOR YOU AND YOUR FAMILY IS A MATTER OF BALANCING YOUR NEEDS , PRIMARILY IN THESE FOUR AREAS : > PRICE - WHAT ARE THE MONTHLY PREMIUMS FOR EACH PLAN ? WHAT CAN YOU AFFORD ? > FEATURES - WHAT HEALTH CARE SERVICES DOES EACH PLAN COVER ? > COST-SHARING - WHAT SHOULD BE YOUR SHARE OF THE COST FOR THESE SERVICES ? > IS IT IMPORTANT TO YOU TO SEE ANY DOCTOR YOU WANT ? OR ARE YOU WILLING TO TRADE THAT FLEXIBILITY FOR SAVINGS ? YOU MAY WANT TO VISIT THE COMPANY WEB-SITE TO FIND OUT MORE ABOUT YOUR HEALTH INSURANCE OPTIONS . OR CALL ( 618 ) 435 - 3083 FOR A PERSONAL IN HOME INTERVIEW TO DISCUSS YOUR SPECIFIC NEEDS .

SERVING SOUTHERN ILLINOIS WITH HEALTH INSURANCE PLANS THAT CAN PROVIDE YOU WITH HEALTH CARE COVERAGES WITH YOUR SPECIFIC NEEDS IN MIND . CALL TODAY AT ( 618 ) 435 -3083 FOR YOUR PERSONAL IN HOME INTERVIEW .