Call a Licensed Insurance Agent: (801) 901-7800 TTY: 711
By calling this number, you will be directed to a Licensed Insurance Agent.
Hours of Operation: Monday – Friday, 9:00 AM – 5:00 PM MT
TPMO Disclaimer: We do not offer every plan available in your area. Currently we represent 8 organizations which offer 45 products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.
Not affiliated with or endorsed by the government or the federal Medicare program.
Ark Insurance Solutions is a licensed and certified representative of Medicare Advantage organizations and stand-alone prescription drug plans. Each organization has a Medicare contract. Enrollment depends on contract renewal.
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Understanding Mini-Medical Plans
/by Rebecca YatesMany industries or small sized employer groups utilize a mini-medical plan, such as restaurants, hotels, maid services, catering services, etc. These limited benefit plans pay for covered services at an affordable premium for both the employees and the employers. But keep in mind, they cost less, so they cover less, and most likely will not protect you from a bankruptcy situation for any catastrophic medical care.
Mini-medical plans provide a basic level of coverage for people who do not have access to a major medical plan or traditional coverage.
Some large employers have a class of employees who are ineligible for their companies traditional health insurance plan for a variety of reasons. For instance, they may be only seasonal or part-time employees. Being able to offer them a mini-medical plan helps to boast employee moral and increases retention.
Mini-medical plans are not meant to replace major medical plans, but to fill a specific niche and provide some medical coverage for those who may not qualify otherwise.
Long-term care insurance, should you have it?
/by Rebecca YatesBecoming chronically ill due to a cognitive impairment, or if you’re unable to perform at least two activities of daily living without substantial assistance, qualifies a person for long-term care. Having insurance that covers long-term care would help pay for the care you need. Depending on the level of care that is required, that care may be provided in a nursing home, an alternate care facility, or even your own home.
In addition to helping pay the costs of long-term care, long-term care insurance may help to provide these additional benefits:
If you’re unable to pay for long-term care when you or even a loved one needs it, odds are you will need to spend down, or liquidate, your assets to become eligible for Medicaid to pay the costs of the care required. That is a sad reality if you do not have the coverage when you need it.
Another option is purchasing a long-term care rider on your life insurance. This option provides care before the client requires long-term health due to age but instead provides coverage become impaired due to an accident or illness.
Five Factors that can Affect Your Premium
/by Rebecca YatesDid you know there are five factors that can affect how much your health plan’s monthly premium under the health care law? However, individual states can limit how much these factors come into play.
These five factors are:
In addition, insurance companies may offer more benefits, which could also affect costs. Furthermore, insurance companies can not charge women and men different prices for the same plan, nor can they take your current medical history or health into account when, otherwise known as pre-existing conditions.