Peterson's Senior Health Insurance

Peterson's Senior Health Insurance Meeting the Insurance Needs of Seniors In Marion, IA Making an informed decision is important but is not always easy. Since 1981, Peterson's Senior Health Insurance has focused solely on meeting the insurance needs of seniors.

We will walk you through everything, step by step, and when you have questions, we'll happily go into more detail for you.

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It’s important to remember that offering group health insurance plans to your employees is only a benefit if they’re actually able to use them. If you need assistance finding the plans that your employees can afford, we’re always here for you.


Did you know that, if you are self-employed, you might be able to deduct 100 percent of your insurance premium from your gross income?


Medicare payments are now based on value and quality rather than quantity of services provided. One of the goals is to encourage doctors and medical facilities to provide better individualized care at a more affordable cost.


Before purchasing a personal health insurance plan, think carefully about the type of services you’re going to need so you can make sure they are covered. For instance, not every plan covers chiropractors or mental health services.


Legally, an employee doesn't have to take part in an employer's group health plan. However, it might be included in the employment contract, which would make it mandatory. Occasionally companies will get signed statements from employees who refused group plan coverage for other coverage.


Did you know that some health insurance policies may provide lower premiums for non-smokers who live a healthy lifestyle? If you've needed an extra reason to quit smoking, this could be it!


Just because you and your spouse are in good health now, that does not mean things can change without any notice at all. Medigap, or supplemental Medicare coverage, provides an important safety net.


Group health insurance first made an appearance in the U.S. in the 1940s. Group coverage is often the cheapest type of insurance to obtain, and we can help you find the best group plan policy for your employees or group.


There are key words you'll see over and over again when researching Medicare benefits, like premium, copay, coinsurance, and deductible. If the idea of sorting through all that terminology makes your head spin, make an appointment with a professional who specializes in helping seniors make decisions about their health care coverage.


If you’re thinking about Medigap, then time is of the essence. You will only have a one-time grace period (right when you turn 65 and enroll in Medicare) where you cannot be turned down for a Medigap policy due to a preexisting health condition. Thereafter, you can be refused coverage.


Is your family doctor a part of an HMO, or health maintenance organization, offered as an insurance choice at work? That makes the HMO a good choice because members can only visit doctors and hospitals that are part of the plan.


Cost-sharing is something to research when you are looking at Medicare supplemental insurance. There are different benefits for different plans, as well as different copays. Plan K, for instance has 50 percent coinsurance, while Plan L has 75 percent coinsurance. Plan M pays 50 percent of the Part A deductible, while Plan N pays 20 percent coinsurance.


In order to receive Medicare Part B coverage, you must both be eligible for the insurance and also pay a monthly premium. The amount of your premium is based primarily on your current income (meaning what you make in retirement).


Different people have different requirements for dental work, which is why only a very small percentage of health insurance plans automatically cover basic dental expenses. However, separate dental plans can be added to your coverage to fit your dental needs.


Ask us about wellness and preventive care aspects of the group health plans we offer. By offering ways for your workers to stay healthy, you gain more productivity for your company as well as lower insurance premiums over time.


Have you ever heard that memory loss is an inevitable part of aging? While you may eventually notice you don’t remember things as easily in the past, significant memory loss is not inevitable. Brain training and new learning can occur at any age and there are many things you can do to keep your memory sharp.


Make sure that you work with an insurance expert or carefully read the entire policy of any plan you intend to purchase. For example, if you have a $2,500 deductible and $7,500 out-of-pocket limit to cover your family, it’s important to understand whether that deductible has to be met for every family member, or if paying $2,500 for one family member’s care meets the deductible for everyone in the family for that year.


If you are amenable to some restrictions on healthcare, then Medicare Select may be a good supplemental option. Medicare Select is a Medigap policy that limits the providers you can see, which effectively lowers costs.


Out-of-pocket costs are the expenses you pay for health-related services above and beyond your monthly premium. Depending on your health plan, these expenses may include an annual deductible, coinsurance, and copayments for doctor visits and prescription drugs.


As a business owner, your employees are your greatest investment. We can help you find the group health insurance plan you need to keep your employees healthy, satisfied, and productive.


What is a POS health plan? This is a Point of Service plan – a type of HMO plan – that offers expanded choices for choosing providers including choosing out-of-network providers while remaining under an umbrella of insurance coverage.


The recommended amount of life insurance is 10 to 12 times the amount of your yearly income. This ensures your family will be comfortable and protected while they determine the next steps for their future.


It’s important to understand that Medicaid and Medicare are actually two different programs. While Medicare is a federal program that mostly serves retired persons, Medicaid is a state-run program that provides coverage for low-income people.


Depending on the state, different laws regulate how initial group premium rates are determined for individual companies. Some rely on a process known as medical underwriting, while other used a modified community rating.


Did you know that the number of health savings accounts (HSAs) more than doubled between January 2008 and January 2012, going from 6.1 million to 13.5 million? HSAs were established in 2003 as a new way of saving for medical expenses.


We recognize that there are a lot of different options when you’re ready to enroll in a Medicare supplement insurance program. Let’s talk about your specific medical needs so that we can help you find he policies that are the best fit for you.


What is the most popular type of health insurance in America? Experts say the PPO, or Preferred Provider Organization is chosen by a majority of people seeking individual health insurance. Make sure that your favorite doctors and hospital is part of the insurer’s network – that way a PPO plan can be quite economical.


By law, you are only allowed to buy one Medigap supplemental insurance plan. In fact, private insurers are prohibited by law from selling more than one Medigap plan to you. If your spouse also wants Medigap coverage, he or she will need to buy a separate policy.


Since the Affordable Care Act went into effect, many small business group health plans have increased 30% or more. By working with an experienced healthcare insurance broker, you may be able to obtain better coverage at a reduced cost.


The most flexible health insurance plans are indemnity plans. These don't have a set network of providers, and coverage kicks in once you've paid the deductible. These can either be full coverage plans or co-insurance above the deductible (up to the out-of-pocket max).


The popularity of Medicare Advantage plans continues to rise. In recent years, close to one-third of those eligible opt for Advantage plans, which typically allow them to receive in one package Part D benefits as well as Parts A and B.


Many of us don’t pay enough attention to our insurance coverage. Too often, we could find more affordable or better quality coverage if we sought them out. A great Medicare supplement policy should be well within your grasp- and a great agent can help you sort through the many options that are available.


There are lots of reasons to sign up for a group health insurance plan; one of those reasons is that group health insurance rates are lower than individual rates. So for employers and groups considering health insurance plans, we offer lots of plans to best suit your needs.


Did you know that the uninsured are twice as likely to be hospitalized as those with insurance? The insured are typically managed under a doctor's care for the same conditions.


When you provide a health insurance plan, it is common to have a probationary period for new employees before they become eligible for coverage. This requirement must be applied uniformly, and can only be changed at the anniversary of the coverage.


1625 7th Av Suite 6
Marion, IA

Opening Hours

Monday 9am - 4pm
Tuesday 9am - 4pm
Wednesday 9am - 4pm
Thursday 9am - 4pm
Friday 9am - 4pm


(319) 373-5169


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The Medicare Annual Enrollment Period Is just around the corner. It starts October 1st. This is the time of the year that you should review your Medicare plans to make sure you have the best coverage that fits your situation for the up coming year. Give us a call for a no obligation review of your current plans. It is ok if you took your plan out with someone else and if you have someone review your coverage give us a call for a 2nd opinion. Some agents are very limited as to what they can offer. Our office offers and carries the majority of the Major Medicare plans in Iowa. We make house calls, office appointments and phone appointments. Want to make sure you've got the best plan for your money for 2022, just call us at 319-373-5169 for a no obligation review. We've been in this office since 1993 and have over 50 years of combined experience in the insurance industry. thanks Darrell