Services | Sean Renfroe Insurance Agent

Services

Medicare

One Medicare coverage choice is keeping original Medicare Parts A and B, plus Part D (or other credible prescription drug coverage), and adding a Medigap policy, also called Medicare Supplement plan. Today, we will cover functions of Medigap plans. In Part 3 of the ABC’s of Medicare, we will cover pros, cons, and factors to consider when selecting a Medigap plan.

To enroll in a Medigap plan, an individual must have Medicare Part A and B. The individual must pay the monthly premium for Part B, $164.50 in 2023, as well as a Medigap premium.

Christian Care Ministry (Medical Bill Sharing)

Medi-Share® is administered on behalf of its members by Christian Care Ministry, Inc. (also referred to as Christian Care Ministry, Christian Care, and CCM). Although Medi-Share® is not subject to state and federal insurance regulation, certain states require publication of the following disclosure to meet exemption qualifications:

We encourage you to seek the advice of a health insurance professional to

further explain the difference between state-regulated health insurance and mutual sharing ministries such as Medi-Share®.

As a Member of Medi-Share, which is one of CCM’s programs, we often refer to you as a Member of CCM. This membership entitles you to receive and gain access to all of our free services and resources. In turn, we ask for your prayerful support of our efforts on behalf of the Christian community. Under Florida statutes, membership does not entitle you to any rights as a member of a corporation not for profit or otherwise.

NOTICE: Medi-Share is not insurance or an insurance policy nor is it offered through an insurance company. Whether anyone chooses to assist you with your medical bills will be totally voluntary, as no other member will be compelled by law to contribute toward your medical bills. As such, Medi-Share should never be considered to be insurance. Whether you receive any payments for medical expenses and whether or not Medi-Share continues to operate, you are always personally responsible for the payment of your own medical bills. Medi-Share is not subject to the regulatory requirements or consumer protections of your particular State’s Insurance Code or Statutes.

Final Expense Plans

Final Expense insurance is normally an easy life insurance product as premiums are affordable and provide peace of mind. Final expense insurance is a policy to cover expenses associated with the death of the insured. It helps with the financial burden placed on families by covering the costs of funeral services (burial or cremation), medical, legal, immediate household expenses, etc.

These small, Permanent Whole Life insurance plans typically range from $5,000 to $25,000! of coverage.

Travel Protection

Travel Protection is a service that gives families peace of mind. This service is perfect for people who drive or fly away from home at least 75 miles every year, whether it’s driving to work every week or taking a vacation once a year. This plan works anywhere in the world. One fee covers you the rest of your life!