Bell Insurance

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Bell Insurance is Servicing Franklin, Adams, and York Counties In Pennsylvania

A Bell Insurance agent will be happy to help you find the best insurance to fit your needs at the best possible price.
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When you buy insurance you buy a promise. We use only the best companies. Our claim service is available 24 hours a day to handle your needs at any time. We believe that customer service is our first priority. That is why we deliver the best solution for your insurance needs whatever they may be. A promise is only as good as the company giving that promise. So experience the security you deserve form Bell Insurance. You can count on us.

Shopping Around for Medicare Supplement Insurance?
In the past, shopping for your Medicare supplement or Medigap insurance was extremely confusing and difficult because companies offered policies with completely different benefits at a wide range of prices.
Now you can use price and plan benefits as the basis for your purchasing decision because the standard plans are identical from company to company. The only difference is which plans the company offers.

Some Frequently Asked Questions & Answers
If I already have a Medigap policy, will I be able to buy one of the standardized plans?
Maybe. You can apply for a policy. However, unless you are eligible for open enrollment or guaranteed issue when disenrolling from a Medicare+Choice plan, companies may reject your application because of your current health condition. If you are accepted for coverage, you should not have to meet any pre-existing condition waiting periods to have continuous coverage.
I will turn 65 within the next few months. What should I do about Medigap insurance?
First, learn what Medicare covers and what gaps you want covered with a Medigap policy. Dont forget to ask your employer if your current policy will convert to a supplement after you are eligible for Medicare. If you or your spouse do not have employer or union group coverage, then select one of the ten plans that offers you the benefits you want at the best price. If you apply for Medigap insurance within six months after you enroll in Medicare Part B, or qualify for guaranteed issue when disenrolling from a Medicare+Choice plan, companies must accept you regardless of any health conditions you have, and they cannot charge you more than they charge others of the same age.
I am already 65 and I have coverage through my former employer. What should I do?
If you are satisfied with your coverage and pay no more than a comparable private insurance policy would cost, you do not need to do anything. If your policy is expensive or has very high deductibles or co-payments, you might want to purchase a standardized Medigap plan. Do not drop your current coverage until you have been accepted by a new policy. If your employer group health plan does not offer the same benefits as a Medicare supplement, you should inquire if your employer would be willing to purchase a Medigap policy for you. Other-wise, you may want to consider purchasing a Medigap plan in addition to current coverage through your former employer.
I am a retired federal, state or municipal employee with benefits through Medicare and my federal, state or municipal benefit plan. Should I change to one of the standard plans?
You probably have better benefits through your plan than you can get through any of the standardized Medigap plans. You should carefully review your current benefits with a representative from your group. It is unlikely that you need to replace your coverage.
I plan to continue working after I am 65. What do I need to do?
If you work for an employer with 20 or more employees and are covered by health insurance, or you are married to someone who does, you probably have comprehensive coverage. The employer plan pays first and Medicare pays second. You should not enroll in Medicare Part B until you stop working. When you stop working, you may be able to convert your employer plan to a Medicare supplement. Otherwise, you can purchase one of the standard plans.
I cannot afford a Medigap policy. Is there anything I can do to protect myself?
Depending on your income, you might be eligible for Qualified Medicare Beneficiary, a special Medicaid program that pays for the Part B monthly premium, and covers your hospital deductible plus your 20 percent co-payment and deductible for physician charges.
We can help you determine which of the companies we represent will best meet your needs and provide the most valuable combination of tailored coverage, quality service and fair pricing.
Please contact a Bell Insurance agent for a compressive review of your insurance policies to protect your family and property this summer season.

Bell Insurance Is A Professional Agency with Personal Service
Bell Insurance is a firm of proven professionals providing caring and conscientious service.
Our primary objectives are:

We are committed to a high standard of excellence. We establish a firm relationship of mutual trust and service with each of our clients.
We Are An Independent Insurance Agency
We do not work for an insurance company; we work for you. We will help you through a loss by promptly and correctly filing your claim and following up to see that you receive fair, prompt payment.
You may also file a claim through our automated telephone system 24 hours per day, 7 days per week.
Bell Insurance represents a carefully selected group of reputable insurance companies. We place your policy with the company offering the best coverage suited to your situation and at a competitive price.