Mintco Financial

Which one is right for me? If you want low monthly premiums and copays and you don’t travel much, an HMO plan might be right for you. If you do a lot of traveling within the U.S. and you want the convenience of having one doctor coordinating all your care, an HMO-POS plan might be right for you. If you want to be able to coordinate your own health care and see specialists without a referral, a PPO plan might be right for you. All our Medicare Advantage plans help cover emergency care outside the U.S. This information is not a complete description of benefits. Contact the plan for more information. Limitations, copayments, and restrictions may apply. Benefits, premiums and/or co-payments/co-insurance may change on January 1 of each year. In Tampa Florida PPO plans have more flexibility than HMO plans. You don’t need a primary care physician, and you can go to a specialist directly. You don’t need referrals. You can see doctors inside or outside your network.

Burial expense life insurance is an intelligent investment for seniors. Burial expense insurance is a whole life insurance policy with a minimal face value. In a country such as the USA where many seniors survive on fixed incomes, the face value of a burial expense life insurance policy may be a bargain. Some face values of burial expense insurance may be ten thousand dollars, others may be as high as $50,000. The burial expense insurance becomes costly if you wait until your health deteriorates. when purchased by individuals in good health, burial expense insurance has fixed payments and there is no expiration date.

With no medical life insurance, you do not need to undergo a medical exam. As a result, you can receive faster approval within as little as 48 hours.

Burial Insurance helps prepare your family for the costs of your burial or cremation and funeral fees. With the right policy, your insurance provider will cover a large portion of the costs – so your family doesn’t have to.

Yes, we sell Burial Insurance for Seniors. When a family member dies, the survivors suddenly find themselves confronted with major expenses. Besides needing money for funeral and burial costs, you may need money for outstanding medical expenses not covered by insurance or government programs or legal expenses related to estate settlement.

Introductory Meeting we discuss: What is Important to You About Us Redefining Investment Advice Fee Transparency We have a Simple, Evidence Based Approach.A unique combination of Education, Guidance, and Planning. No Chasing hot stocks or funds; no market timing. Disciplined investment and financial planning principles that work.

I would roll it over into a Roth IRA if it’s a Roth 401k-like instrument. It gives you investment flexibility and probably lower fees than where it is now. Leaving stranded 401ks all over when you change jobs just makes your financial life more complicated that it needs to be. I would compare Fidelity and Vanguard. Both have been good for us.

You can roll over a part of a 401(k) distribution into a qualified retirement account, but the rollover is subject to certain restrictions. Normally, you can't cash out your 401(k) unless you separate from your job, reach age 59 1/2, or qualify for an early distribution. The non-rollover portion of a distribution is subject to 20 percent withholding, income taxes and possibly a 10-percent early-withdrawal penalty.

Yes, even if you are already insured and happy with your plan, there are a few things to pay attention to during open enrollment season. During open enrollment season, make sure you note how much your premium will change in the coming year and if this is still feasible for you and your family. Additionally, some benefits of your plan or coverage details may change in the coming year. Make sure that you are aware of these changes before open enrollment period ends, as most states will not let you make changes to your plan after mid-December.

Medicare open enrollment is from October 15, 2020 through December 7, 2020. Open enrollment for Medicare part A/B is from January 1 – March 31.

Open enrollment for ACA-compliant 2021 coverage will run from November 1, 2020 to December 15, 2020 in all states that use HealthCare.gov, and in some of the states that run their own exchanges. This enrollment schedule applies both on and off-exchange. California, Colorado, and DC have permanently extended their open enrollment periods, listed below:‍ ‍California: November 1 to January 31 ‍Colorado: November 1 to January 15 ‍District of Columbia: November 1 to January 31

Choosing an insurance plan that covers an individual’s health care needs while also considering their financial status can be complicated. Three things to consider when choosing a health insurance plan include the following: Covered providers Every insurance plan provides in-network health care providers, hospitals and pharmacies. Some plans may only pay a small percentage of medical expenses if a provider is out-of-network. To determine what hospitals, pharmacies and physicians are covered under the policy, contact the insurance company. Premiums, copayments and deductibles and Medication coverage.

Yes We do provide Life Insurance for Seniors over 80 in Florida. Get insured without the need for a medical exam. All you need to get covered is just to answer a few “Yes or No” health questions.

Small groups are generally sized from 2 - 50 employees. A husband and wife, even if they work in the same business as entrepreneurs, do not qualify as a small employer without at least one more employee on the wage and tax report. There are lots of choices, from traditional PPOs to high deductible health plans. Starting in January of this year, Individual Care Health Reimbursement Accounts (ICHRA) have entered the market. This arrangement allows employers to fund a set amount of money for health care premiums per employee per month, and then employees shop for their coverage through the healthcare marketplace.

Short term plans can now be written for a period of up to 3 years. The premiums are lower than what is found in the ACA plans because the coverage is not as broad. However, these plans are available to be written year round and have an effective date of the following day in most cases. Many folks use short term plans to cover unexpected health incidents, but it’s important to be aware of each plan’s limitation. These plans can save you a good amount of premium,if you qualify.

True - Florida Medicare Advantage plans include the same benefits you would get in Original Medicare along with extra benefits and, usually, prescription drug coverage. But since they’re issued through private insurance companies, each plan will be different. Be sure to compare plans carefully.

True - Medicare Part A covers you when you need to go to the hospital. It also covers things like skilled nursing care after you’ve been hospitalized and other types of skilled care, including hospice care. Part B helps pay for doctor visits, laboratory tests and some diagnostic screenings.

A la carte financial planning is $250 per hour.

The answer is - yes, under certain circumstances. Medicare allows changes to your coverage during Special Enrollment Periods (SEP’s). Rules about when you can make changes, and the type of changes allowed, are different for each SEP.

The Annual Enrollment Period (AEP) for Medicare is October 15 to December 7. During this period, anyone can make changes to their coverage, such as: Switching from one plan to another Switching from Original Medicare to a Medicare Advantage plan Switching from one Advantage plan to another Enrolling or dropping a Prescription drug plan Changes made during the Annual Enrollment Period become effective the first day of the following year.

Medicare Plans and Options We have the best options available in the area including United Health Care, Humana and Blue Cross / Blue Shield and others. Medicare Advantage and Medicare Part D Prescription Plans. Our experienced staff can help you with tailored protection to insure that you have the best coverage for your situation. No matter if you're just turning 65 and are new to Medicare or have been on Medicare for years and need better coverage our experienced agents are here for you.

Yes. Mintco Financial Financial Advisors serve St. Petersburg,FL. Also we have many clients in various parts of Florida, including Tampa Bay area, Miami, Naples, Sarasota,Orlando, Tallahassee, Gainesville, Pensacola and Panama City.

A fee-only financial advisor is when there are no financial hooks, surrender charges or lockup periods. Clients are free to leave at any time if they are disappointed. A fee-only financial planner is a registered financial planner or advisor with a fiduciary duty to their clients best interests. Fee-only financial planners do not accept compensation or commission based on sales, but instead collect a fee through providing comprehensive advice.

Why Choose a Fiduciary A fiduciary’s advice must aim to maximize their client’s financial gains not their own compensation. They must disclose any potential conflicts of interests and always place their clients' best interests ahead of their own. If your financial advisor is not a fiduciary, then the advice you receive may not always be in your best interest. www.MintcoFinancial.com We are fiduciaries financial advisors.

Life insurance comes in two main forms, term, and permanent life insurance. TERM LIFE INSURANCE Considered the simplest form of life insurance, term life insurance pays only if a death occurs during the term of the policy. Handy name, that! Usually, these plans won’t provide any other sorts of benefits, and their policy range (the term) can last from one to thirty years. What this term can mean for you depends on the type of policy you have. There are two main types of term life insurance. A level term policy has the same death benefit no matter when a person passes away, as long as it’s within the time frame of the policy. A decreasing term policy has a death benefit that drops, usually each year, during the policy’s term. Term life insurance is extremely popular as it’s low cost. It also has the benefit of being able to be extended or converted to whole life insurance if need be.

Yes. For over two decades, Mintco Financial has gone beyond simple fiduciary wealth management and has acted as trusted stewards of our client’s financial life. What does that mean for you? Fiduciaries are simply required to put your interests first. Mintco Financial goes beyond a fiduciary standard by committing to protect your family’s long-term interests.

When you work with an independent insurance agency like us, you get to shop multiple companies in one visit. We represent many national insurance companies, which can help you get a great quote with great coverage.

Hospital Indemnity Plans are a way to add coverage that will allow you to pay for certain out-of-pocket costs. These indemnity plans pay you a predetermined amount when you receive treatment or are diagnosed with certain conditions. Although they can be used with either Original Medicare or Medicare Advantage, we believe that they are well-suited companions for Medicare Advantage plans. This is because you can mirror the benefits to roughly match some of the out-of-pocket costs associated with many Part C Plans.For example, if your Medicare Advantage Plan has a copay of $300 per day for the first six days, we can mirror that out-of-pocket cost with a Hospital Indemnity benefit that will pay you $300 per day for 6 days. You would be paid directly by the carrier and could then use those funds as you saw fit. Coverage and benefits vary and will depend on how much additional coverage you choose to have. We do offer Hospital Indemnity Insurance.