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YOU SHOULD REALLY TRY THIS! AMAZING - Opportunity 14:23:09 5/13/102
(1)
Re: YOU SHOULD REALLY TRY THIS! AMAZING - It would be AMAZING if someone really believed this !. 17:09:59 5/13/102
(0)
medication - Nan Scially 06:27:26 5/13/102
(0)
Medical Insurance for parents (snowbirds) both WA & CA - Hansen 15:37:31 5/11/102
(1)
Re: Medical Insurance for parents (snowbirds) both WA & CA - Ron Minzer 04:04:05 5/13/102
(0)
medical costs - Boyd Ferguson 07:22:45 5/07/102
(2)
Re: medical costs - Boyd Ferguson 07:25:02 5/08/102
(0)
Re: medical costs - Boyd Ferguson 07:24:12 5/07/102
(0)
BE WARY OF DISCOUNT PRESCRIPTION PLANS - Randy McMain 12:35:27 5/06/102
(4)
Re: BE WARY OF DISCOUNT PRESCRIPTION PLANS - sharon 09:17:04 5/14/102
(0)
Re: BE WARY OF DISCOUNT PRESCRIPTION PLANS - Randy McMain 09:41:54 5/12/102
(0)
Re: BE WARY OF SPAMMERS LIKE THIS JERK!!!!!!!!!!!!!!!!! - SPAM ALERT!!!!!!!!!!!!!!!!!!!!!!! 13:20:18 5/08/102
(0)
Re: BE WARY OF DISCOUNT PRESCRIPTION PLANS - Senior Surfer 16:53:57 5/06/102
(0)
Medicare Suppliment Coverage including prescription drugs - Judy Sargent 17:42:44 5/02/102
(0)
disablity and medicare - BEVERLYSWEETSER 15:04:57 5/01/102
(0)
disablity and medicare - BEVERLYSWEETSER 14:55:57 5/01/102
(0)
Insurance chaos, Need Help!! - Kristine 18:04:54 4/30/102
(0)
medical coverage for caregiver - Roger 08:37:18 4/27/102
(0)
Medical / Health Insurance for mother - Mohammed Farooqui 09:15:31 4/22/102
(0)
need help,information,need to help my mother - sheena hegwood 06:49:59 4/11/102
(2)
Re: need help,information,need to help my mother - Steve Barruos 21:51:53 4/24/102
(0)
Re: need help,information,need to help my mother - sean robertson 06:03:29 4/15/102
(0)
Medical Insurance - Delores K. DuVall 19:00:43 4/10/102
(3)
LTV Retirees Lose Health Insurance - Adrienne 07:01:32 4/10/102
(1)
Needing adffortable medical and perscription coverage - Helen Rothermel 14:15:40 4/07/102
(3)
Re: Needing adffortable medical and perscription coverage - Larry 20:10:04 4/11/102
(1)
Re: Needing adffortable medical and perscription coverage - DeWayne Botkin 21:17:34 4/20/102
(0)
Medicare anticoagulant coverage? - Mirna Cintron 16:31:22 4/05/102
(0)
Funeral Insurance - Lucy 00:09:57 4/05/102
(1)
Re: Funeral Insurance - Virgie Allen 13:27:47 4/25/102
(0)
My mom needs insurance.... can you help? - Tara 14:06:45 4/03/102
(2)
My grand mom needs medicare insurance. Can you help me? - Hiral Patel 18:21:50 4/09/102
(1)
Re: My grand mom needs medicare insurance. Can you help me? - Steve Barrios 21:58:10 4/24/102
(0)
medicare supppliment - sue ann wilder 15:38:25 4/02/102
(2)
Re: medicare supppliment - sean robertson 06:24:39 4/15/102
(0)
Re: medicare supppliment - Ron Minzer 04:04:28 4/04/102
(0)
Suplamental insurance - Linda Bergendorff 13:42:34 3/31/102
(1)
Re: Suplamental insurance - sean robertson 06:30:22 4/15/102
(0)
Suplamental Insurance - Diana 18:24:27 3/28/102
(2)
Re: Suplamental Insurance - sean robertson 06:33:52 4/15/102
(0)
Re: Suplamental Insurance - Mike 11:06:15 3/29/102
(0)
WIFE'S HEALTH INSURANCE - JIM BEAM 17:45:36 3/25/102
(1)
Re: WIFE'S HEALTH INSURANCE - Ron Minzer 03:41:33 3/26/102
(0)
Midicare - roc 16:48:15 3/25/102
(0)
sell house while on medi-cal - Bong Valencia 06:45:36 3/23/102
(0)
Medicade and Supplimental Ins. - Nancy Wood 14:46:17 3/22/102
(2)
Re: Medicade and Supplimental Ins. - Diana 18:12:46 3/28/102
(0)
Re: Medicade and Supplimental Ins. - virginia M meadows 03:48:11 3/23/102
(0)
Minnesota HMO - Mildred Sobolik 11:58:28 3/19/102
(1)
Re: Minnesota HMO - Jill 14:10:52 3/20/102
(0)
Low Cost Medical Insurance and prescription benefits - Don and Linda Williams 10:30:50 3/19/102
(0)
MEDICAD HEALTH INSURANCE - ELAINE GROSSOMANIDES 18:43:36 3/17/102
(0)
Seeking Medicad Insurance - Edie Popowski 17:14:37 3/17/102
(1)
Re: Seeking Medicad Insurance - ralph m severino 16:07:02 4/08/102
(0)
Desperate MOM has no medical coverage - ladylupe 17:08:16 3/10/102
(2)
Re: Desperate MOM has no medical coverage - Lisa Lombard 13:06:54 3/11/102
(0)
Re: Desperate MOM has no medical coverage - Ladylupe 17:09:06 3/10/102
(0)
67 y/o mother - Chris Phillips 05:27:19 3/09/102
(0)
help for senior with medication - Darcy 06:05:50 3/08/102
(0)
Elderly parent coming to USA on Green card......insurance options? - Desi Bhai 19:39:30 3/06/102
(3)
Re: Elderly parent coming to USA on Green card......insurance options? - Satya 11:18:43 3/22/102
(0)
Re: Elderly parent coming to USA on Green card......insurance options? - Satya 11:16:11 3/22/102
(0)
Re: Elderly parent coming to USA on Green card......insurance options? - Ron Minzer 04:39:13 3/07/102
(0)
medicaid - diclough 14:11:24 3/05/102
(0)
Mom & Dad needing medical financial Help!...asap! - Valerie B. Chatman 05:20:41 3/05/102
(4)
Re: Mom & Dad needing medical financial Help!...asap! - sean robertson 06:59:11 4/15/102
(0)
Re: Mom & Dad needing medical financial Help!...asap! - Jill 15:16:14 3/06/102
(0)
Re: Mom & Dad needing medical financial Help!...asap! - Mark Rubich 08:27:06 3/05/102
(0)
medicad - Chantal Hill 10:45:20 2/22/102
(1)
Re: medicad - Jill 14:36:35 2/28/102
(0)
medicare bill tracking - Louis Fulop 12:11:21 2/20/102
(3)
Re: medicare bill tracking - Ron Minzer 04:52:59 2/21/102
(1)
Re: medicare bill tracking - Louis Fulop 15:29:08 5/13/102
(0)
Finding Insurance Program to help my parents - Pamela 10:07:42 2/19/102
(5)
Re: Finding Insurance Program to help my parents - Serena 06:41:27 3/08/102
(0)
Re: Finding Insurance Program to help my parents - Mike Olsen 17:59:45 3/06/102
(0)
Re: Finding Insurance Program to help my parents - Lisa Masten 07:55:37 2/24/102
(0)
Re: Finding Insurance Program to help my parents - Ron Minzer 06:46:13 2/20/102
(0)
I need to get on medicad - Amanda Funderburk 07:54:08 2/19/102
(1)
Re: I need to get on medicad - Jill 14:41:18 2/28/102
(0)
under 65 disabled, will be eligable for medicare 7/1/02 need a supplemental insurance - May 07:08:27 2/19/102
(3)
Re: under 65 disabled, will be eligable for medicare 7/1/02 need a supplemental insurance - Ron Minzer 06:41:44 2/20/102
(2)
Re: under 65 disabled, will be eligable for medicare 7/1/02 need a supplemental insurance - marge burton 21:30:30 2/26/102
(0)
Re: under 65 disabled, will be eligable for medicare 7/1/02 need a supplemental insurance - may 07:07:19 2/20/102
(0)
looking for low cost medical/prescription insurance for senior parent. - Nellie Munoz 18:55:36 2/18/102
(0)
need low cost supplments coverage to my medicarer part a and b .i am under 65 but disabled - rose 15:37:31 2/18/102
(0)
MEDICAL INSURANCE - JUDITH L. BLASCHKE 04:28:40 2/16/102
(1)
Re: MEDICAL INSURANCE - judith l. blaschke 04:30:05 2/16/102
(0)
finacial asst. for mom 72 in New Jersey - Linda Hummell 20:15:37 2/13/102
(0)
coverage: Medicare and Secure Horizons - JClem 20:02:26 2/13/102
(1)
Re: coverage: Medicare and Secure Horizons - Ron Minzer 02:10:58 2/15/102
(0)
Need help finding low cost health ins. for parents - Elaine Reed 09:19:12 2/11/102
(2)
Low cost health ins. for parents - Michael Olsen 13:25:54 3/08/102
(0)
Re: Need help finding low cost health ins. for parents - Ron Minzer 04:42:36 2/12/102
(0)
low cost medical ins. for parents - Elaine Reed 09:02:57 2/11/102
(1)
Re: low cost medical ins. for parents - sharon.hurling@cingular.com 09:16:03 5/14/102
(0)
medical insurance - pchop 15:21:19 2/07/102
(4)
Re: medical insurance - Ron Minzer 03:19:10 2/08/102
(3)
Re: medical insurance - pchop 14:17:52 2/08/102
(1)
Re: medical insurance - Betsy Shochet 18:30:07 2/10/102
(0)
Re: medical insurance - pchop 14:16:50 2/08/102
(0)
Medical Claims - Nelda Wells 04:15:07 2/05/102
(0)
MEDICAL INS FOR WIFE - JAKE 18:24:32 2/04/102
(1)
Re: MEDICAL INS FOR WIFE - Ron Minzer 03:44:32 2/05/102
(0)
HMO says NO, now say YES to change of Ins Coverage - Bev Lewis 20:30:19 1/30/102
(1)
Re: HMO says NO, now say YES to change of Ins Coverage - Ron Minzer 05:33:50 1/31/102
(0)
Health Insurance for new immigrants over 65 years age - Gora Sahib 16:54:13 1/29/102
(1)
Re: Health Insurance for new immigrants over 65 years age - Ron Minzer 05:28:01 1/31/102
(0)
health insurance - joyce bezer 22:20:49 1/25/102
(1)
Re: health insurance - Ron Minzer 06:35:05 1/26/102
(0)
Immigrant, legal US Resident looking for affortable Health Insurance - Alma Scotto 21:23:36 1/25/102
(4)
Re: Immigrant, legal US Resident looking for affortable Health Insurance - Mari Rane 20:00:12 4/04/102
(0)
Re: Immigrant, legal US Resident looking for affortable Health Insurance - Cheryl Brandt (Alliance for affortable Services) 16:04:07 4/02/102
(0)
Re: Immigrant, legal US Resident looking for affortable Health Insurance - Ron Minzer 06:31:27 1/26/102
(1)
Re: Immigrant, legal US Resident looking for affortable Health Insurance - Maryanne Wu 16:22:02 3/21/102
(0)
area/affordable cost - mary curtis 07:44:00 1/24/102
(0)
Medicare suppliment - Sally Petergal 18:40:36 1/22/102
(4)
Re: Medicare suppliment - Betsy Shochet 18:34:02 2/10/102
(2)
Re: Medicare suppliment - Sonja Hornbuckle 22:04:45 2/11/102
(0)
Re: Medicare suppliment - Ron Minzer 06:20:34 1/24/102
(0)
Senior moving to US, health options? - Christine 13:35:14 1/18/102
(4)
Re: Senior moving to US, health options? - TC 11:12:57 2/06/102
(0)
Re: Senior moving to US, health options? - Larry 20:13:04 1/21/102
(0)
Re: Senior moving to US, health options? - Jimmie 17:41:40 1/19/102
(1)
Re: Senior moving to US, health options? - Jorge Castilla 06:19:00 1/22/102
(0)
Affordable health insurance for senior - Pamela Wilson 15:44:59 1/17/102
(3)
Re: Affordable health insurance for senior - JOANN LAPPIN 06:06:10 4/28/102
(0)
Re: Affordable health insurance for senior - MONSERRATE CAMACHO 14:48:21 1/23/102
(0)
question re: American Progressive sm - Helen 05:47:19 1/15/102
(1)
Re: question re: American Progressive sm - Sally Degenhart 21:52:03 1/16/102
(0)
Suggestion for insurance - Joanne 07:26:42 1/12/102
(0)
MEDICIAD - SANDRA DOTSON 12:10:44 1/10/102
(1)
Re: MEDICIAD - Jill 15:35:34 1/23/102
(0)
affordiable supplemental health insurance - joyce vaqn winkle 17:08:18 1/08/102
(2)
Re: affordiable supplemental health insurance - Ron Minzer 05:08:09 1/09/102
(0)
Re: affordiable supplemental health insurance - joyce van winkle 17:09:47 1/08/102
(0)
Looking for some help - David McGee 23:32:57 1/07/102
(2)
Re: Looking for some help - Sonja Hornbuckle 22:15:58 2/11/102
(0)
supplimental insurance for medicare in York County Pa. 17356 - Doris Kingsmore 16:19:03 1/03/102
(1)
Medicare Eligibility & Anthem IPO - Ralph M. Johnson 12:01:01 1/03/102
(1)
Supplemental Medical Insurance for 64 Year-Old Retiree - Anita Wood 07:05:18 12/31/101
(2)
Re: Supplemental Medical Insurance for 64 Year-Old Retiree - Ron Minzer 11:01:56 1/05/102
(0)
Goldline Prescription Plan feedback any savings?? - Dale 07:34:12 12/29/101
(0)
Health benefits-save up to 80% off - Estenia 03:18:16 12/29/101
(0)
getting perscription help for my father who is disabled but under the age of 65 - Deb Miller 09:12:21 12/26/101
(0)
RE: Father - Johnnie H. Joyner 07:29:20 12/26/101
(0)
prescription help for my parents - Melanie Joye Burke 07:19:48 12/26/101
(0)
Getting this epic insurance plan - JoAnne Peshniak 13:01:22 12/23/101
(1)
Re: Getting this epic insurance plan - bob pak 09:30:16 2/08/102
(0)
Supplemental Insurance for 47 year old with cancer - Susan 09:50:13 12/20/101
(1)
Re: Education about Medicare - C. Coker 03:37:21 12/26/101
(2)
Re: Education about Medicare - C Coker 03:47:19 12/26/101
(1)
Low cost medical insurance for Senior in 48240 zip code! - Sally Cadeau 18:15:16 12/18/101
(1)
madicare/supplemental insurance - rita 20:56:58 12/09/101
(1)
Medicare coverage - Jacqueline Panzone 06:16:18 12/05/101
(4)
Re: Medicare coverage - Charles McNair 13:21:33 12/30/101
(1)
Re: Medicare coverage - Ron Minzer 06:37:35 12/06/101
(0)
a free medicine program for seniors - tana hassell stroud 08:52:02 12/02/101
(3)
Re: a free medicine program for seniors - Namdeo Khamitkar 08:58:35 12/26/101
(0)
Re: a free medicine program for seniors - Michelle Cappaert 17:03:57 12/09/101
(1)
Re: a free medicine program for seniors - Sharon 19:51:29 1/07/102
(0)
medicare suppliment or medigap - Larence H. Barrow, sr 11:11:07 11/26/101
(5)
Re: medicare suppliment or medigap - HELEN SMITH 12:05:35 12/11/101
(2)
Re: medicare suppliment or medigap - Barbara McGee 22:09:04 5/12/102
(0)
Re: medicare suppliment or medigap - Paul Smith 12:28:07 2/13/102
(0)
Re: medicare suppliment or medigap - Shirley Ramsey 19:06:44 11/26/101
(1)
Re: medicare suppliment or medigap - john cocciardi 05:27:56 3/16/102
(0)
Secure Horizons in California, not covering brand name rx's... Help - Mike 19:27:01 11/21/101
(1)
Re: New Immigrants on greencard looking for decent Health Insurance - Ron Minzer 03:03:27 11/17/101
(0)
Re: New Immigrants on greencard looking for decent Health Insurance - AmeriplanUSA 20:05:03 11/08/101
(0)
Re: medical insurance to aid the medicare for medince - jeannie barker 10:41:01 11/14/101
(0)
RE: Low cost health insurance for my parents who are 64 years of age in Saginaw, Michigan area - dottie m. ecker 07:05:07 12/04/101
(0)
Re: affordable medical insurance/prescription for senior citizens/zip code 60504 - stephanie Lee 13:23:30 4/23/102
(0)
Re: affordable medical insurance/prescription for senior citizens/zip code 45420 - PAULA HODAPP SMITH 12:44:55 3/12/102
(0)
Re: affordable medical insurance/prescription for senior citizens/zip code 60504 - PAULA HODAPP SMITH 12:43:05 3/12/102
(0)
Re: affordable medical insurance/prescription for senior citizens/zip code 60504 - maria valente 18:15:18 2/08/102
(0)
Re: affordable medical insurance/prescription for senior citizens/zip code 60504 - roberta boeve 16:10:23 12/30/101
(0)
Re: affordable medical insurance/prescription for senior citizens/zip code 60504 - Namdeo Khamitkar 09:01:40 12/26/101
(0)
Re: affordable medical insurance/prescription for senior citizens/zip code 60504 - kathy walpole 16:38:39 11/08/101
(0)
Re: affordable medical insurance/prescription for senior citizens/zip code 60504 - nancy hayes 18:56:46 11/25/101
(1)
Re: affordable medical insurance/prescription for senior citizens/zip code 60504 - Namdeo Khamitkar 09:03:04 12/26/101
(0)
Re:Medicad - SHARON MAGWOOD 21:01:26 11/15/101
(1)
Re:Medicad - alanqmeadows 06:37:17 12/02/101
(0)
Re: Seeking Perscription Plan - Kris 10:03:08 2/02/102
(0)
Re: Seeking Perscription Plan - helen smith 12:14:14 12/11/101
(0)
Re: side effect - katherinedavis 00:07:39 1/04/102
(7)
Re: side effect - ARMINDA GONZALEZ 12:44:03 3/13/102
(0)
Re: side effect - mdassy 14:23:14 1/14/102
(5)
Re: side effect - darlene davison 09:24:57 3/27/102
(3)
Re: side effect - Judy 05:42:55 5/07/102
(0)
Re: side effect - Donna Moorman 08:04:38 4/05/102
(0)
Re: side effect - darlene davison 09:28:21 3/27/102
(0)
Re: side effect - darlene davison 09:24:14 3/27/102
(0)
Re: Governmental coverage for Senior Citizens Perscription - Namdeo Khamitkar 09:04:29 12/26/101
(0)
Re: Governmental coverage for Senior Citizens Perscription - SEBATIP 20:41:09 12/21/101
(3)
Re: Governmental coverage for Senior Citizens Perscription - gayle brewer 15:23:20 5/10/102
(0)
Re: Governmental coverage for Senior Citizens Perscription - Maria M. Smith 16:39:43 3/20/102
(1)
Re: Governmental coverage for Senior Citizens Perscription - Carmen Orozco 17:38:13 4/18/102
(0)
Re: Governmental coverage for Senior Citizens Perscription - Great National Prescription plan for seniors that includes dental coverage! 20:12:30 11/08/101
(0)
Re: Governmental coverage for Senior Citizens Perscription - rolynda 16:52:07 11/04/101
(0)
co pay for prescription plans to have cheeper health insurance for people over 50 plus - Barbara 22:34:52 9/25/101
(1)
Re: co pay for prescription plans to have cheeper health insurance for people over 50 plus - Mildred Murphy 17:54:48 9/27/101
(0)
medicad - easter 17:48:19 9/09/101
(1)
Does anyone here want to save up to 80% on dental? - Michele 00:16:41 9/08/101
(1)
Re: Does anyone here want to save up to 80% on dental? - JOAN 06:08:41 4/28/102
(0)
how long does it take after filing for mediciad befire you get it - masterdiva 22:39:40 9/07/101
(0)
Medical NON-insurance Option for Savings - 19:19:20 9/04/101
(13)
Re: Medical NON-insurance Option for Savings - connie ferrall 13:49:36 5/10/102
(0)
Re: Medical NON-insurance Option for Savings - yvonne ceaserfamily 06:38:24 5/09/102
(0)
Re: Medical NON-insurance Option for Savings - docors location 13:06:25 4/30/102
(0)
Re: Medical NON-insurance Option for Savings - docors location 13:04:35 4/30/102
(0)
Re: Medical NON-insurance Option for Savings - Kathryn A. Marks 11:19:44 4/05/102
(0)
Re: Medical NON-insurance Option for Savings - JESS RAMIREZ 14:35:46 3/21/102
(0)
Re: Medical NON-insurance Option for Savings - pat kauffman 17:33:15 1/26/102
(0)
Re: Medical NON-insurance Option for Savings - Brinda Holliday 19:28:48 1/04/102
(0)
Re: Medical NON-insurance Option for Savings - Manesh Patel 15:38:32 9/18/101
(1)
Re: Medical NON-insurance Option for Savings - locate doctors 12:56:50 4/30/102
(0)
How would I sign up for medicad - Olivia Tealer 14:48:58 8/28/101
(4)
Re: How would I sign up for medicad - Elizabeth Trujillo 09:21:14 9/24/101
(2)
Re: How would I sign up for medicad - Teresa Mccutchen 14:05:07 12/11/101
(1)
need mediciad - geroge 05:18:40 12/12/101
(0)
Medical Insurance for Parents - Kimberly Jackson 14:34:00 8/28/101
(5)
The should ask the company about a conversion policy and/or qualify for HIPAA - C Casey 14:52:08 8/31/101
(0)
Re: Medical Insurance for Parents - Ron Minzer 07:13:30 8/29/101
(1)
Re: Medical Insurance for Parents - Linda 19:54:03 9/05/101
(0)
Re: Medical Insurance for Parents - Larry 19:24:46 8/28/101
(1)
Re: Medical Insurance for Parents - Ron Minzer 18:09:49 9/10/101
(0)
how do i sign up for medicad - shayla 13:46:10 8/28/101
(15)
Re: how do i sign up for medicad - Johnna Wilson 10:45:36 5/09/102
(0)
Re: how do i sign up for medicad - beth perkosky 13:34:44 4/18/102
(0)
Re: how do i sign up for medicad - Katherine Yvonne Ortiz 10:32:29 4/15/102
(0)
Re: how do i sign up for medicad - CARA HOPKINS 12:51:07 4/10/102
(0)
medicad reimbursement - Cathy 18:46:00 1/30/102
(0)
Re: how do i sign up for medicad - Nancy Dishaw 08:51:52 1/30/102
(0)
Re: how do i sign up for medicad if i already have a medicad care but it expired - Michelle Marrero 12:57:26 12/06/101
(0)
Re: how do i sign up for medicad - kimberly scott 07:43:54 4/05/102
(0)
Re: how do i sign up for medicad - virnenia reese 10:36:18 11/05/101
(1)
Re: how do i sign up for medicad - Natalie Lindo 17:38:53 4/09/102
(0)
Re: how does my stepson sign up for medicad - JOAN PECK 17:55:34 9/13/101
(0)
Re: how do i sign up for medicad - Nelsondra Leday 20:05:09 9/04/101
(0)
longterm health insurance - Betty Jacson 09:51:39 8/28/101
(2)
Re: longterm health insurance - Larry 19:32:28 8/28/101
(0)
100% co-pay managed care Prescription Card for Seniors - Van Beasy 13:15:38 8/27/101
(3)
Re: 100% co-pay managed care Prescription Card for Seniors - Patricia Maxey 08:08:28 2/05/102
(0)
Re: 100% co-pay managed care Prescription Card for Seniors - Elizabeth Louise Britton 15:27:16 9/26/101
(0)
Re: 100% co-pay managed care Prescription Card for Seniors - Georgia Galutz 04:25:16 9/26/101
(0)
Long Term Care Insurance - T. Risner 07:55:25 8/25/101
(7)
Re: Long Term Care Insurance - Ron Minzer 04:00:27 8/26/101
(6)
Re: Long Term Care Insurance - T.Risner 18:51:00 8/26/101
(4)
Re: Long Term Care Insurance - Ron Minzer 06:04:58 8/27/101
(1)
Re: Long Term Care Insurance - Larry 06:02:37 8/27/101
(1)
Re: Long Term Care Insurance - 20:04:24 9/05/101
(0)
Discout Supplemental Health Benefits for Seniors! - Michele Sims 13:57:15 8/20/101
(5)
Re: Discout Supplemental Health Benefits for Seniors! - Agent 12:27:17 8/23/101
(3)
Re: Discout Supplemental Health Benefits for Seniors! - maria de lourdes soto rosario 16:01:47 1/15/102
(0)
Re: Discout Supplemental Health Benefits for Seniors! - Michele Sims 21:08:58 8/23/101
(1)
Discout Supplemental Health Benefits for Seniors! - Marylin 14:33:06 12/31/101
(0)
Medicare Supplimental Insurance - Vee Cowan 18:29:24 8/19/101
(7)
Re: Medicare Supplimental Insurance - Nancy Wood 14:38:22 3/22/102
(1)
Re: Medicare Supplimental Insurance - hannu hupli 17:05:45 4/26/102
(0)
Re: Medicare Supplimental Insurance - 20:21:32 9/05/101
(1)
Re: Medicare Supplimental Insurance - Teresa Wyatt 21:42:20 10/06/101
(0)
Re: Medicare Supplimental Insurance - Larry 19:44:16 8/20/101
(0)
Re: Medicare Supplimental Insurance - Ron Minzer 05:10:41 8/20/101
(0)
medical insurance for greencard holder parents of us citizens - Shalini 10:13:03 8/19/101
(1)
Re: medical insurance for greencard holder parents of us citizens - Namdeo Khamitkar 09:08:29 12/26/101
(0)
Medi-CAL - ganesh 15:04:02 8/17/101
(0)
supplemental insurance - John 11:45:50 8/17/101
(6)
Re: supplemental insurance - Craig 09:19:15 2/15/102
(0)
Re: supplemental insurance - WILLIAM C. PATTERSON 14:02:39 9/20/101
(0)
Re: supplemental insurance - Alfred B Mattson 11:29:25 8/20/101
(0)
Re: supplemental insurance - Ron Minzer 07:31:02 8/18/101
(1)
Re: supplemental insurance - 20:09:40 9/05/101
(0)
Medical Insurance Fraud - Charlotte A Coy 23:16:58 8/12/101
(1)
Re: Medical Insurance Fraud - Danielle 21:40:44 8/14/101
(0)
Dental Insurance I can't afford it and my family in dire need of it. - Pilar Enneper 16:46:24 8/12/101
(7)
Re: Dental Insurance I can't afford it and my family in dire need of it. - great affordable dental plan for families! Nationwide 20:15:24 11/08/101
(0)
Re: Dental Insurance I can't afford it and my family in dire need of it. - PEGGY GRIZZLE 07:25:50 9/07/101
(1)
Re: Dental Insurance I can't afford it and my family in dire need of it. - melissawlison 18:37:55 1/22/102
(0)
Re: Dental Insurance I can't afford it and my family in dire need of it. - David Lowe 11:52:27 8/21/101
(0)
Re: Dental Insurance I can't afford it and my family in dire need of it. - Michele Sims 21:51:28 8/20/101
(0)
Re: Dental Insurance I can't afford it and my family in dire need of it. - Larry 18:41:20 8/12/101
(0)
SENIOR DENTAL CARE - JONI pATTERSON 16:07:23 8/10/101
(6)
Re: SENIOR DENTAL CARE - Michele Sims 21:54:12 8/20/101
(0)
Re: SENIOR DENTAL CARE - Larry 18:45:44 8/12/101
(2)
Re: SENIOR DENTAL CARE - Karen Christensen 12:46:43 8/16/101
(1)
Re: SENIOR DENTAL CARE - Michele Sims 21:29:50 8/22/101
(0)
Re: SENIOR DENTAL CARE - Ron Minzer 08:47:57 8/11/101
(1)
Re: SENIOR DENTAL CARE - np 07:33:08 8/27/101
(0)
health care for my mom - joyce fadness 04:39:55 8/08/101
(2)
Re: health care for my mom - Ron Minzer 04:42:07 8/10/101
(0)
Re: health care for my mom - Larry 15:19:29 8/08/101
(0)
Prescription drug insurance - Miki Remels 02:56:09 8/08/101
(14)
Re: Prescription drug insurance - Kaye Layne 10:17:05 12/07/101
(0)
Re: Prescription drug insurance - Mu 09:21:21 8/10/101
(11)
Re: Prescription drug insurance - Muriel Cullum 09:22:20 8/10/101
(10)
Re: Prescription drug insurance - Nelly Shelton 20:05:45 8/14/101
(1)
Re: Prescription drug insurance - Nancy Byer 12:43:41 4/29/102
(0)
Re: Prescription drug insurance - For: Dean Hussey 21:43:56 8/10/101
(7)
Re: Prescription drug insurance - TOM HINSON 15:50:38 9/25/101
(0)
Re: Prescription drug insurance - Larry 20:05:21 8/12/101
(4)
Re: Prescription drug insurance - Andy Tyszka 13:05:42 2/23/102
(0)
Re: Prescription drug insurance - Ron 06:46:01 8/30/101
(1)
Re: Prescription drug insurance - Larry 15:52:17 9/07/101
(0)
Re: Prescription drug insurance - Ron 06:43:23 8/30/101
(0)
Re: Prescription drug insurance - Larry 20:02:20 8/12/101
(0)
Re: Prescription drug insurance - Larry 15:32:48 8/08/101
(0)
cheap doctors consult and meds online..? - deb 23:54:28 8/07/101
(1)
Re: cheap doctors consult and meds online..? - janice 10:58:43 11/29/101
(0)
where Oh where is my brother-in-law's HMO? - Dennis 07:11:38 8/06/101
(2)
Re: where Oh where is my brother-in-law's HMO? - Larry 20:37:33 8/06/101
(1)
Re: where Oh where is my brother-in-law's HMO? - mm 23:27:40 2/25/102
(0)
help finding insurance for my dad wanting to retire - debbie 15:04:58 8/01/101
(2)
Re: help finding insurance for my dad wanting to retire - Ron Minzer 02:59:02 8/03/101
(0)
Re: help finding insurance for my dad wanting to retire - Larry 17:09:54 8/01/101
(0)
Re: Free Online Quotes - Gloria Harper 10:19:26 8/09/101
(0)
Re: hmo left - Ron Minzer 07:39:08 8/01/101
(1)
Re: hmo left - Danielle 19:57:23 8/01/101
(0)
Re: Perscription insurance - victoria ozols 09:57:25 4/23/102
(0)
Re: Perscription insurance/help with the costs $$$$$ - Yolanda 18:47:08 4/18/102
(0)
Re: Perscription insurance - The Peoples Perscription Plan 17:02:46 2/05/102
(2)
Re: Perscription insurance - jessica crystal 12:42:30 4/26/102
(0)
Re: Perscription insurance - Jamie Sutton 08:12:54 4/10/102
(0)
Re: Perscription insurance - NANCY HAMMOND 07:29:31 3/04/102
(0)
Re: All Pre-Existing Conditions Accepted! - joyce fadness 04:36:44 8/08/101
(0)
Re: AmeriPlan is a discount healthcare program . - Tina Duncan 11:27:31 8/22/101
(0)
Re: Medical Coverage for A 71 years Old Woman - Gustavo Gutierrez 21:45:40 10/06/101
(0)
Re: From one Senior to another re drug coverages - Clara De Gedeon 12:14:48 3/04/102
(0)
Re: $5.00 Affordable Medications - Stephanie Parrish 06:32:06 2/01/102
(0)
Re: $5.00 Affordable Medications - jackie phillips 14:24:36 9/06/101
(0)
Re: $5.00 Affordable Medications - Sam Combs 08:50:06 8/06/101
(0)
Re: $5.00 Affordable Medications - Margie Colegrove 11:23:49 8/09/101
(0)
Re: Ca. long term medi-cal - Brenda 11:16:37 1/30/102
(0)
Re: Health Insurance with a Perscription Plan - dan curtis 18:10:10 2/25/102
(0)
Re: Health Insurance with a Perscription Plan - Jessica Kloehn 06:23:28 12/11/101
(0)
Re: Medical Insurance for a 64 year old. - ramona 13:09:32 8/27/101
(0)
Re: Medical Insurance for a 64 year old. - ramona 12:37:10 8/27/101
(0)
Re: Medical Insurance for a 64 year old. - Art 19:48:27 8/15/101
(0)
Re: golden choice hmo - Danielle 20:29:44 8/01/101
(0)
Re: would like to change medigap insurance - Danielle 20:34:22 8/01/101
(0)
Re: Zocor - W Harris 07:11:59 11/10/101
(1)
I like to know where you can get a years supply for $300 - W. Harris 07:15:21 11/10/101
(0)
Re: Zocor - W. Harris 07:08:07 11/10/101
(0)
CHEAP PRESCRIPTION DRUGS - Suzie 13:18:58 5/31/101
(5)
Re: CHEAP PRESCRIPTION DRUGS - DEB GALLAGHER 03:34:57 9/25/101
(0)
GE Capital Corporation and Combined Insurance Company of America - Edward Eugene Baskett 07:44:36 5/31/101
(0)
Re: Medigap Insurance or healthnet 65 - bob 19:39:27 8/14/101
(0)
Re: Sr. Life insurance - CHARLES WORRELL 16:36:32 9/17/101
(0)
Re: Providian Prescription Plan - steph 10:47:09 1/23/102
(1)
Re: Providian Prescription Plan - ELIZABETH M. DUPREE 20:11:54 3/15/102
(0)
Re: Save on Health Benefits - Taruna Joshi 15:10:44 12/04/101
(0)
Re: Medicare,Supplemental Ins., HMO's, CONFUSED!! - Judith Schleifer 08:00:04 3/04/102
(0)
Re: Play at modernbingo.com - bernran 15:54:23 12/10/101
(0)
Re: Play at modernbingo.com - bernran 15:53:10 12/10/101
(0)
Re: Medigap Insurance - Danielle 20:44:19 8/01/101
(0)
Re: re: Colonial Penn Insurance for Seniors - LaTuria BArryer 09:52:52 2/13/102
(0)
Re: re: Colonial Penn Insurance for Seniors - Christy Klein 07:35:05 4/10/102
(1)
Re: re: Colonial Penn Insurance for Seniors - WARREN SNOW 14:56:38 4/24/102
(0)
Re: re: Colonial Penn Insurance for Seniors - sylvester fitzgerald 19:06:57 4/05/102
(0)
Re: re: Colonial Penn Insurance for Seniors - rufus Grant, Jr 12:53:59 4/03/102
(0)
Re: re: Colonial Penn Insurance for Seniors - virginia M meadows 03:38:36 3/23/102
(0)
Medicare suppliment insurance and drug coverage - Rita Anderson 19:33:09 4/05/101
(4)
Re: Medicare suppliment insurance and drug coverage - Louis Cohen 13:25:37 8/02/101
(1)
Re: Medicare suppliment insurance and drug coverage - suae ann wilder 15:19:36 4/02/102
(0)
LIVING WITHOUT MEDICAL INSURANCE - HOW? - Shelia 13:36:44 4/05/101
(2)
Re: MEDICAL INSURANCE FOR MY MOTHER - Stephen Ashbey 04:05:07 2/12/102
(0)
Re: Cal Gov Insurance - Medi-cal - Maryanne Wu 16:30:35 3/21/102
(0)
Re: medigap - SHARYN ROTH 07:26:43 4/05/101
(0)
Re: Medical insurance for low income seniors - Sally Degenhart 21:37:22 1/16/102
(0)
Re: Health Insurance for medicare/medication - paula tucker 00:20:53 9/17/101
(0)
Re: Health Insurance for medicare/medication - paula tucker 23:49:00 9/16/101
(0)
Re: Health Insurance for medicare/medication - paula tucker 23:48:59 9/16/101
(0)
Re: Health Insurance for medicare/medication - paula tucker 23:48:59 9/16/101
(0)
Re: State of Texas,Dallas HMO's and Supplemt Insurance - tamara giligan 19:16:40 8/14/101
(0)
Re: discounts for young disabled woman in California - ghodshon 01:26:06 9/11/101
(1)
your hertitage - ghodshon 01:27:38 9/11/101
(0)
Re: Senior Care Action Network (SCAN) - georgette Palmer 18:28:45 1/15/102
(1)
Re: Senior Care Action Network (SCAN) - georgette Palmer 18:53:11 1/15/102
(0)
Re: Senior Care Action Network (SCAN) - norman greene 10:41:13 12/21/101
(1)
Re: Senior Care Action Network (SCAN) - georgette Palmer 18:25:29 1/15/102
(0)
Re: Senior Care Action Network (SCAN) - Horst Daugs 10:24:43 12/07/101
(0)
Re: Senior Care Action Network (SCAN) - Johh C. Bell 16:09:54 11/27/101
(0)
Re: Senior Care Action Network (SCAN) - N. Giles 14:23:49 11/12/101
(0)
Re: Senior Care Action Network (SCAN) - Yolanda Pahua 13:10:00 8/09/101
(0)
Re: Medicaid-3 year look back, the way it is.... - Ann 17:01:46 3/14/102
(0)
Re: senior citizens perscription plans - Mae Chan 09:33:30 11/13/101
(0)
Re: Health Care that is affordable includes Prescriptions, dental, medical, vision, hearing and home health care - MARY KELLEMS 13:29:53 2/06/102
(2)
Re: Health Care that is affordable includes Prescriptions, dental, medical, vision, hearing and home health care - MARY KELLEMS 13:31:30 2/06/102
(1)
Re: Health Care that is affordable includes Prescriptions, dental, medical, vision, hearing and home health care - MARY KELLEMS 13:33:30 2/06/102
(0)
Re: Need good medigap insurance. - john buell 12:41:49 11/28/101
(0)
Re: Supplemental insurance & prescription plan for 75 yr old mother - Marie 12:29:12 12/10/101
(0)
Re: HERE IS A SITE I FOUND FOR FREE PERSCRIPTION MEDICINE - Joni Beerends 09:57:13 9/13/101
(0)
Re: Perscription Coverage Needed - Troy Mobley 05:23:15 3/23/102
(0)
Re: Perscription Coverage Needed - Carol Mangan 14:05:04 3/04/102
(0)
Re: Perscription Coverage Needed - Susanne Varley 16:22:19 11/09/101
(0)
Re: Low Cost Prescription Drug Benefit Available - kstocks 13:54:54 2/26/102
(2)
Re: Low Cost Prescription Drug Benefit Available - kstocks 13:58:33 2/26/102
(1)
Re: Low Cost Prescription Drug Benefit Available - Ken Eckstein 14:02:20 2/26/102
(0)
Re: Perscription Drugs for Elderly - TERUYA BLACK 16:44:59 2/02/102
(0)
Senior Citizens "Epic Perscription Plan New York State" - John H Herzog 09:50:56 3/20/102
(0)
Re: Senior Citizens "Epic Perscription Plan New York State" - Letha Post 11:39:42 3/05/102
(0)
Re: Senior Citizens "Epic Perscription Plan New York State" - Dolores DeLuca 10:29:22 1/23/102
(0)
Re: Senior Citizens "Epic Perscription Plan New York State" - Elaine Bradley 09:11:41 1/05/102
(0)
Re: Perscription plan - lori b 18:20:13 1/20/102
(0)
Re: Perscription plan - vicky staub 15:00:30 4/10/102
(0)
Re: Does anyone have experience with AV-MED HMO - Mark Scanlan 20:42:19 11/28/101
(0)
Re: Does anyone have experience with AV-MED HMO - Mark Scanlan 20:26:23 11/28/101
(0)
Re: Senior Dental and Vision Insurance - Mary Wood 09:11:45 1/23/102
(0)
Re: Senior Dental and Vision Insurance - Ronald Kenwisher 09:11:25 3/25/102
(1)
Re: Senior Dental and Vision Insurance - jenny lopez 17:58:26 4/02/102
(0)
Re: Senior Dental and Vision Insurance - Marguerite Shepherd 22:24:47 12/21/101
(0)
regarding data entry - raj 14:10:00 9/04/101
(1)
Re: Need work from home - Medical Office Personnel - Data Entry- Claims Processor - Accounts Payable - dharmesh s. pandya 23:03:36 9/01/101
(0)
Re: Need work from home - Medical Office Personnel - Data Entry- Claims Processor - Accounts Payable - dharmesh s. pandya 22:56:08 9/01/101
(0)
Need work from home - Medical Office Personnel - Data Entry- Claims Processor - Accounts Payable - Madan S 21:31:47 8/26/101
(0)
Re: Need work from home - Medical Office Personnel - Data Entry- Claims Processor - Accounts Payable - c kandasamy 10:26:07 2/23/102
(0)
Re: Need work from home - Medical Office Personnel - Data Entry- Claims Processor - Accounts Payable - ponnusamy 22:01:37 1/08/102
(0)
Re: Need work from home- Data Entry - ramachandran 06:13:35 12/16/101
(0)
Re: Need work from home - Medical Office Personnel - Data Entry- Claims Processor - Accounts Payable - B.Senthil Murugan 04:27:29 12/12/101
(0)
Re: Need work from home - Medical Office Personnel - Data Entry- Claims Processor - Accounts Payable - A. DINESH 01:03:40 11/26/101
(0)
Re: Need work from home - Medical Office Personnel - Data Entry- Claims Processor - Accounts Payable - s.r.harish manikandan 00:02:31 11/05/101
(0)
Re: Need work from home - Medical Office Personnel - Data Entry- Claims Processor - Accounts Payable - mahesh Chaudhari 06:15:20 9/18/101
(0)
Re: Low Cost Dental, Vision, Prescription and Chiropractic Plan - Karen Young 12:41:10 2/20/102
(0)
Re: Low Cost Dental, Vision, Prescription and Chiropractic Plan - Teresa Johnson 14:33:36 9/17/101
(0)
Re: Low Cost Dental, Vision, Prescription and Chiropractic Plan - Anita Leon 12:04:36 8/22/101
(2)
Re: Low Cost Dental, Vision, Prescription and Chiropractic Plan - leon2andsmiley 12:06:46 8/22/101
(1)
Re: Low Cost Dental, Vision, Prescription and Chiropractic Plan - Anita Leon 12:08:53 8/22/101
(0)
please help me and my unborn child - Feenix Pan 11:57:27 12/06/100
(1)
Supplement Health Insurance for Parents over 65 - arh jackson 18:47:55 12/04/100
(3)
Re: Supplement Health Insurance for Parents over 65 - Ron Minzer 06:44:45 12/06/100
(1)
Supplemental Perscription Insurance Disabled and 54 - s. cline 08:12:47 12/04/100
(3)
Re: Supplemental Perscription Insurance Disabled and 54 - Ron Minzer 06:48:12 12/06/100
(0)
Re: Discount Prescription card - Nationwide - Clara Long 23:17:35 3/17/102
(0)
Re: Discount Prescription card - Nationwide - james boyd 17:45:25 3/03/102
(0)
Re: Discount Prescription card - Nationwide - Gail Chiavaroli 19:42:46 2/02/102
(1)
Re: Discount Prescription card - Nationwide - G. Berry 21:59:02 3/15/102
(0)
Re: Discount Prescription card - Nationwide - pdpainter1@cs.com 06:04:32 1/12/102
(1)
Re: Discount Prescription card - Nationwide - Betty Smalls 18:33:21 2/19/102
(0)
Re: Discount Prescription card - Nationwide - Sheila Bruner 06:40:33 8/17/101
(0)
Re: Discount Prescription card - Nationwide - Gilda Dreher 13:43:40 9/11/101
(0)
Re: Discount Prescription card - Nationwide - Dianne Hall 10:40:06 8/29/101
(0)
Re: Discount Prescription card - Nationwide - Norman Miller 06:54:58 8/26/101
(0)
Re: Discount Prescription card - Nationwide - Jerry Williams 11:32:27 4/04/102
(0)
Re: Discount Prescription card - Nationwide - Margie 07:48:23 1/29/102
(0)
Re: Discount Prescription card - Nationwide - send me more info on discount pres. card 08:47:45 12/04/100
(3)
Re: Discount Prescription card - Nationwide - rosa williams 05:58:13 3/21/102
(0)
Re: Discount Prescription card - Nationwide - jasmine 09:50:02 2/27/102
(0)
Re: Discount Prescription card - Nationwide - ivan altman 10:20:40 2/26/102
(0)
Re: Discount Prescription card - Nationwide - Florence L Minter 10:58:13 4/10/102
(0)
Re: Discount Prescription card - Nationwide - sherry vickery 15:35:11 1/17/102
(3)
Re: Discount Prescription card - Nationwide - sherry vickery 15:36:34 1/17/102
(2)
Re: Discount Prescription card - Nationwide - Joyce Bickel 14:03:02 3/29/102
(0)
Re: Discount Prescription card - Nationwide - G. Berry 22:00:33 3/15/102
(0)
Re: TX Medicare Supplementals - 05:42:28 2/01/102
(0)
Re: Medicare Supplement in Louisiana - Jerry J. Landry 04:22:50 8/02/101
(0)
Re: Foreign Nationals MEDICAL COVERAGE in U.S. - Hrachya Mughnetsyan 18:03:41 2/08/102
(0)
Re: Perscription Insurance - alan 09:25:26 3/10/102
(0)
Re: Perscription Insurance - alan 09:24:14 3/10/102
(0)
Re: Medicap Insurance - Jay Sullivan 20:37:50 1/05/102
(0)
Re: MEDICARE SUPPLIMENTS & HEALTH INSURANCE - Linda 09:15:10 4/27/102
(0)
Re: MEDICARE SUPPLIMENTS & HEALTH INSURANCE - JOHN HIRSHOUER 06:59:44 12/10/101
(0)
Re: MEDICARE SUPPLIMENTS & HEALTH INSURANCE - Susan Threadgill 12:36:13 11/05/101
(0)
Re: MEDICARE SUPPLIMENTS & HEALTH INSURANCE - Susan T 12:32:37 11/05/101
(1)
Re: MEDICARE SUPPLIMENTS & HEALTH INSURANCE - DIANE VANOVER 13:58:35 11/09/101
(0)
Re: MEDICARE SUPPLIMENTS & HEALTH INSURANCE - william and Helen Pierson 16:00:56 8/30/101
(3)
Re: MEDICARE SUPPLIMENTS & HEALTH INSURANCE - Helen L. Pierson 16:05:35 8/30/101
(2)
Re: MEDICARE SUPPLIMENTS & HEALTH INSURANCE - Helen L. Pieson 16:07:01 8/30/101
(0)
Re: MEDICARE SUPPLIMENTS & HEALTH INSURANCE - Helen L. Pieson 16:06:33 8/30/101
(0)
Re: medicare supplement-100%drug prescription coverage - Cristina Pena 17:12:37 1/11/102
(2)
Re: medicare supplement-100%drug prescription coverage - Cathy Schimmelman 06:45:51 1/16/102
(1)
Re: medicare supplement-100%drug prescription coverage - Gloria D. LeFluer 00:12:42 4/26/102
(0)
Re: medicare supplement-100%drug prescription coverage - Jeffrey Melio 13:00:41 11/29/101
(0)
Re: medicare supplement-100%drug prescription coverage - IRVING SCHULMAN 16:18:06 2/18/102
(0)
Re: medicare supplement-100%drug prescription coverage - b creel 12:25:33 4/20/102
(0)
Re: medicare supplement-100%drug prescription coverage - arlene multz 10:45:33 4/08/102
(0)
Re: medicare supplement-100%drug prescription coverage - Eloise Harris 20:15:58 1/07/102
(0)
Re: medicare supplement-100%drug prescription coverage - Ruenell Stewart 10:07:25 12/07/101
(0)
Affordable health care - Tenya Colemon 21:03:40 8/05/100
(3)
Accepting Money from Medicare Patients?? - Janet 20:02:51 7/30/100
(1)
Re: Work from Home Medical Office Personnel - Data Entry - Denise Rone 09:01:29 4/23/102
(0)
Re: Work from Home Medical Office Personnel - Data Entry - BRENDA L OUELLETTE 12:37:04 4/22/102
(0)
Re: Work from Home Medical Office Personnel - Data Entry - Cheryl 16:54:42 4/17/102
(0)
Jobs - Marcus BlahdeBlah 15:36:57 3/19/102
(1)
Re: Jobs - Ruth Pavuk 18:11:46 4/16/102
(0)
Re: Work from Home Medical Office Personnel - Data Entry - Bansari Saha 06:34:11 3/07/102
(0)
Re: Work from Home Medical Office Personnel - Data Entry - Deborah Berg 07:50:33 2/20/102
(2)
Re: Work from Home Medical Office Personnel - Data Entry - jennifer Ramos 13:22:34 2/26/102
(0)
Re: Work from Home Medical Office Personnel - Data Entry - Deborah Berg 07:59:27 2/20/102
(0)
Re: Work from Home Medical Office Personnel - Data Entry - Natasha Williams 05:15:37 2/19/102
(0)
Re: Work from Home Medical Office Personnel - Data Entry - Juanita Santaliz 13:48:30 2/12/102
(0)
Re: Work from Home Medical Office Personnel - Data Entry - sarada jennings 16:22:06 1/15/102
(0)
Re: Work from Home Medical Office Personnel - Data Entry - SANDRA L WALLACE 09:16:41 12/09/101
(0)
Goldmine of jobs to do at home - Chris 14:44:47 4/22/102
(0)
Re: Work from Home Medical Office Personnel - Data Entry - Holly Domingues 18:55:48 2/27/102
(2)
Re: Work from Home Medical Office Personnel - Data Entry - Minisuresh 08:54:35 4/23/102
(1)
Re: Work from Home Medical Office Personnel - Data Entry - minisuresh 08:56:00 4/23/102
(0)
Re: Work from Home Medical Office Personnel - Data Entry - Unique Infotech 10:59:41 4/18/102
(0)
Re: Work from Home Medical Office Personnel - Data Entry - Lisa Monath 06:56:26 4/15/102
(1)
Re: Work from Home Medical Office Personnel - Data Entry - Blane a Suhr 22:01:47 4/22/102
(0)
Re: Work from Home Medical Office Personnel - Data Entry - Lisa Monath 06:56:22 4/15/102
(0)
Re: Work from Home Medical Office Personnel - Data Entry - D.M. WOOD 21:50:21 4/03/102
(0)
Re: Work from Home Medical Office Personnel - Data Entry - DeAnna Cameron 10:43:52 4/03/102
(0)
Re: Work from Home Medical Office Personnel - Data Entry - lmmuller 12:31:12 3/02/102
(0)
Re: Work from Home Medical Office Personnel - Data Entry - Denise B 15:39:40 2/27/102
(0)
Re: Work from Home Data Entry - Arvind.R 22:20:55 2/20/102
(0)
Re: Work from Home Medical Office Personnel - Data Entry - GiGi Holland 09:22:45 2/15/102
(3)
Re: Work from Home Medical Office Personnel - Data Entry - Dr priti desai 07:17:31 2/26/102
(1)
Re: Work from Home Medical Office Personnel - Data Entry - Suthar J 10:35:27 4/27/102
(0)
Re: Work from Home Medical Office Personnel - Data Entry - GiGi Holland 09:24:05 2/15/102
(0)
Re: Work from Home Medical Office Personnel - Data Entry - ajit hude 21:57:13 2/11/102
(0)
Re: Work from Home Medical Office Personnel - Data Entry - MELISSA K 19:11:03 1/31/102
(1)
Re: Work from Home Medical Office Personnel - Data Entry - LORETTA BRADFORD 06:54:21 2/11/102
(0)
Re: Work from Home Medical Office Personnel - Data Entry - Reda Meester 10:12:47 1/31/102
(0)
Re: Work from Home Medical Office Personnel - Data Entry - therese 18:36:32 1/26/102
(0)
Re: Work from Home Medical Office Personnel - Data Entry - JON STARNES 13:18:49 1/24/102
(0)
Re: Work from Home Medical Office Personnel - Data Entry - Karen Contreras 05:54:17 12/18/101
(0)
Re: Work from Home Medical Office Personnel - Data Entry - syedmohamood 01:43:44 12/09/101
(0)
Re: Work from Home Medical Office Personnel - Data Entry - Badri Prakash 09:25:53 4/16/102
(0)
Goldmine of jobs to do at home - Chris 16:45:02 4/15/102
(0)
Re: Work for Mediclaim - Data Entry work - Nirav Bhatti 06:29:00 2/06/102
(0)
Re: Work from Home Medical Office Personnel - Data Entry - Jeannette Woodworth 09:06:40 1/29/102
(1)
Re: Work from Home Medical Office Personnel - Data Entry - Nelda,Wells 04:03:49 2/05/102
(0)
Re: Work from Home Medical Office Personnel - Data Entry - Shelley Houchin 20:57:16 1/22/102
(0)
Goldmine of jobs to at home - Fred Estella 15:48:36 4/04/102
(0)
Re: Work from Home Medical Office Personnel - Data Entry - Fred Estella 15:47:43 4/04/102
(0)
Re: Work from Home Medical Office Personnel - Data Entry - Gracie 08:11:30 2/13/102
(0)
Re: Work from Home Medical Office Personnel - Data Entry - PENNY ELEAM 12:07:58 2/27/102
(0)
Re: Work from Home Medical Office Personnel - Data Entry - MELISSA K 19:13:32 1/31/102
(0)
Re: Work from Home Medical Office Personnel - Data Entry - andrea sprink 11:30:38 1/29/102
(1)
Re: Work from Home Medical Office Personnel - Data Entry - jennifer roberts 04:57:12 2/01/102
(0)
Re: Work from Home Medical Office Personnel - Data Entry - SHEILA HOWARD 14:47:19 12/16/101
(0)
Re: Work from Home Medical Office Personnel - Data Entry - Jacquelyn Obenchain 23:45:33 12/04/101
(0)
Re: Work from Home Medical Office Personnel - Data Entry - Kandi Leicht 17:49:39 3/09/102
(0)
Re: Work from Home Medical Office Personnel - Data Entry - Sidney Fox 17:01:01 3/06/102
(0)
Re: Work from Home Medical Office Personnel - Data Entry - omar m. ismail 17:48:22 3/02/102
(0)
Re: Work from Home Medical Office Personnel - Data Entry - Wanda F. Conaway 22:28:37 4/14/102
(0)
Re: Work from Home Medical Office Personnel - Data Entry - jennie cavender 08:18:58 4/11/102
(0)
Re: Work from Home Medical Office Personnel - Data Entry - Linda Merritt 10:58:31 4/10/102
(0)
Re: Work from Home Medical Office Personnel - Data Entry - Marcia Short 13:16:04 4/09/102
(0)
Re: Work from Home Medical Office Personnel - Data Entry - Debra Crenshaw 12:40:14 4/02/102
(0)
Re: Work from Home Medical Office Personnel - Data Entry - diana washington 12:09:51 3/27/102
(0)
Re: Work from Home Medical Office Personnel - Data Entry - Maureen Farrelly 10:01:20 3/17/102
(0)
Re: Work from Home Medical Office Personnel - Data Entry - LYNNE COLEMAN 21:29:51 4/25/102
(0)
Re: Work from Home Medical Office Personnel - Data Entry - Azad 03:18:37 4/15/102
(0)
Re: Work from Home Medical Office Personnel - Data Entry - Jason Shutts 08:15:55 3/20/102
(0)
Re: Work from Home Medical Office Personnel - Data Entry - Conor Sullivan 13:05:10 3/15/102
(0)
Re: Work from Home Medical Office Personnel - Data Entry - LaSabra Griffin 10:10:58 2/04/102
(0)
Re: Work from Home Medical Office Personnel - Data Entry - Debbie Haynes 10:33:26 1/31/102
(1)
Re: Work from Home Medical Office Personnel - Data Entry - jennifer roberts 04:52:20 2/01/102
(0)
Re: Health insurance for immigrant parents - Lester Daniels 17:11:19 7/30/100
(0)
Re: perscription plans - Mary Reese-Jones 19:57:26 11/15/101
(0)
Re: prescription plans - Shirley M. Coleman 03:09:52 4/18/102
(0)
Re: prescription plans - Joel Hartsell 19:21:19 1/22/102
(0)
Re: prescription plans - Burgie Huggins 17:29:34 1/07/102
(0)
Re: prescription plans - Hazel Upton 18:07:07 12/01/101
(0)
Re: MEDICARE SUPPLIMENTS AND MEDICAL COVERAGE - Patricia Youst 06:29:43 3/06/102
(0)
Re: MEDICARE SUPPLIMENTS AND MEDICAL COVERAGE - diane madruga 18:40:11 9/12/101
(1)
Re: Tired of your HMO? - united+american+suppliment 19:49:10 4/05/101
(0)
Re: MEDICARE SUPPLIMENTAL FOR SS DISABILITY ( I`m 50 yrs. old) - Joseph Cora 22:21:40 12/17/101
(0)
Re: I live in brasil/paraná/curitiba. you has do we parents?answer please? - eduardo wilkosz 13:48:30 2/04/102
(0)
Re: Medicare Supplement, Dental, and Prescription Drug Plans - dee 06:42:05 1/23/102
(6)
Re: Medicare Supplement, Dental, and Prescription Drug Plans - jackson 10:58:34 4/21/102
(0)
Re: Medicare Supplement, Dental, and Prescription Drug Plans - Robin Benns 11:07:04 4/08/102
(0)
Re: Medicare Supplement, Dental, and Prescription Drug Plans - Sofia Escalante 13:56:08 3/05/102
(0)
Re: Medicare Supplement, Dental, and Prescription Drug Plans - Cheryl Jordan 17:22:11 2/11/102
(1)
Re: Medicare Supplement, Dental, and Prescription Drug Plans - JULIA OLSEN 10:52:53 2/27/102
(0)
Re: Medicare Supplement, Dental, and Prescription Drug Plans - Milton E. Frantz 18:38:10 2/09/102
(0)
Re: Medicare Supplement, Dental, and Prescription Drug Plans - willie fisher 16:03:53 1/09/102
(1)
Re: Medicare Supplement, Dental, and Prescription Drug Plans - Wayne Crumb 15:40:05 2/18/102
(0)
Re: Medicare Supplement, Dental, and Prescription Drug Plans - Louise A. waterman 10:30:14 1/02/102
(1)
Re: Medicare Supplement, Dental, and Prescription Drug Plans - LOUISE A. Waterman 10:33:44 1/02/102
(0)
Re: Medicare Supplement, Dental, and Prescription Drug Plans - Rebecca Byrd 11:14:57 3/12/102
(0)
Re: Prescription Drug Plans - John and Jo Ann Paul 17:07:45 3/11/102
(2)
Re: Prescription Drug Plans - Kristi 17:52:39 4/24/102
(0)
Re: Prescription Drug Plans - Karen Marett 12:45:47 4/20/102
(0)
Re: Medicare Supplement, Dental, and Prescription Drug Plans - Deborah D. Wright 12:12:06 1/26/102
(0)
Re: Medicare Supplement, Dental, and Prescription Drug Plans - Linda DeSola 14:10:59 11/10/101
(0)
Re: perscription drug plan - marge burton 21:25:47 2/26/102
(0)
Re: perscription drug plan - margaret a burton 21:22:25 2/26/102
(0)
Re: Medicare Supplement, Dental, and Prescription Drug Plans - Dale Willey 16:10:22 4/02/102
(0)
Re: Medicare Supplement, Dental, and Prescription Drug Plans - tina 14:27:04 3/21/102
(0)
Re: Medicare Supplement, Dental, and Prescription Drug Plans - LYNDA RATCLIFF 19:14:09 2/19/102
(0)
Re: Medicare Supplement, Dental, and Prescription Drug Plans - Esther Losch 19:21:40 1/17/102
(1)
Re: Medicare Supplement, Dental, and Prescription Drug Plans - Shellena Burton 14:27:45 2/08/102
(0)
Re: Medicare Supplement, Dental, and Prescription Drug Plans - judy wheeler 19:37:06 1/11/102
(0)
Re: Medicare Supplement, Dental, and Prescription Drug Plans - judy wheeler 19:32:46 1/11/102
(1)
Re: Medicare Supplement, Dental, and Prescription Drug Plans - Gale Lowe 16:39:20 1/28/102
(0)
Re: Medicare Supplement, Dental, and Prescription Drug Plans - Jean J ackson 04:55:06 5/25/100
(1)
Re: Medicare Supplement, Dental, and Prescription Drug Plans - HJHOOP 16:43:08 3/28/102
(0)
Re: Medicare Supplement, Dental, and Prescription Drug Plans - Lyle Burnham 20:36:21 11/14/101
(2)
Re: Medicare Supplement, Dental, and Prescription Drug Plans - Roxanne Morgan 21:05:30 3/17/102
(0)
Re: Medicare Supplement, Dental, and Prescription Drug Plans - marion pisani 05:29:18 3/16/102
(0)
Re: Medicare Supplement, Dental, and Prescription Drug Plans - Joseph Lay 13:17:47 5/31/101
(7)
Re: Medicare Supplement, Dental, and Prescription Drug Plans - Helen 20:03:24 4/09/102
(0)
Re: Medicare Supplement, Dental, and Prescription Drug Plans - elaine goldberg 07:33:30 3/29/102
(1)
Re: Medicare Supplement, Dental, and Prescription Drug Plans - Roberta Kelly 07:48:29 4/08/102
(0)
Re: Medicare Supplement, Dental, and Prescription Drug Plans - terrypolverari 13:12:26 3/21/102
(0)
Re: Medicare Supplement, Dental, and Prescription Drug Plans - curtis renner 15:24:31 3/10/102
(2)
Re: Medicare Supplement, Dental, and Prescription Drug Plans - Carolyn Macoe 06:55:56 3/13/102
(1)
Re: Medicare Supplement, Dental, and Prescription Drug Plans - Tracey Robinson 17:12:20 3/25/102
(0)
Re: Medicare Supplement, Dental, and Prescription Drug Plans - ANN MARIE 18:03:50 3/01/102
(0)
Re: Medicare Supplement, Dental, and Prescription Drug Plans - grace 05:16:34 2/26/102
(0)
Re: Medicare Supplement, Dental, and Prescription Drug Plans - louis herkalo 11:48:50 2/24/102
(0)
Re: Medicare Supplement, Dental, and Prescription Drug Plans - wanda buchmiller 10:43:08 3/16/102
(0)
Re: Medicare Supplement, Dental, and Prescription Drug Plans - Elizabeth McCrobie 17:50:56 2/10/102
(0)
Re: Medicare Supplement, Dental, and Prescription Drug Plans - louise Kommer 09:17:57 1/20/102
(0)
Re: Medicare Supplement, Dental, and Prescription Drug Plans - d hill 14:51:08 1/02/102
(1)
Re: Medicare Supplement, Dental, and Prescription Drug Plans - Norbert Jacquelyn Pasko 10:37:28 2/05/102
(0)
Re: Medicare Supplement, Dental, and Prescription Drug Plans - Allan Meny 07:48:00 12/06/101
(1)
Re: Medicare Supplement, Dental, and Prescription Drug Plans - Allan Meny 07:53:00 12/06/101
(0)
Re: providian prescription plan - chester j adams 20:31:02 8/10/101
(0)
Re: Medigap rates in Florida - scottaolson 15:07:45 4/30/100
(1)
Re: health insurance - Charla Williams 15:51:38 8/07/101
(0)
Re: perscription insurance - Ibra Taylor 17:12:07 4/09/102
(0)
Re: perscription insurance - Fenton Breithaupt 13:19:39 4/26/102
(0)
Re: Problems getting needed treatment because of Medicare restrictions - FriendlySmile 07:14:02 11/15/101
(0)
Re: prescription insurance - David Cordle 21:18:36 3/04/102
(0)
Re: Prescription Drug CoPay Card Available in Select States - Alice Vaughan 15:40:33 4/01/102
(0)
Re: Prescription Drug CoPay Card Available in Select States - Harold Judy Albrecht 12:01:14 3/19/102
(0)
Re: Prescription Drug CoPay Card Available in Select States - floyd kilgore 16:42:17 2/22/102
(1)
Re: Prescription Drug CoPay Card Available in Select States - Robin Piraino 08:30:57 2/25/102
(0)
Re: Prescription Drug CoPay Card Available in Select States - floyd kilgore 16:40:36 2/22/102
(0)
Re: Prescription Drug CoPay Card Available in Select States - sharon powell 07:06:55 1/26/102
(0)
Re: Prescription Drug CoPay Card Available in Select States - Betty Hammons 06:21:52 1/04/102
(0)
Re: Prescription Drug CoPay Card Available in Select States - Esther Dennis 10:21:17 1/24/102
(0)
Re: medigapinsurance - Victoria J. Gonzales 08:18:24 3/12/102
(0)
Re: Medical insurance from age 62-65 - chearyl miller 06:29:45 3/06/102
(0)
Re: Recommended Medicare HMO Website - Betty Plaman 07:04:01 11/08/101
(0)
Hospital stay with no insurance - mishy 07:18:07 2/04/100
(4)
Re: Cheap prescription drug card...savings are incredible - Robert E. Hempy Sr. 07:58:06 1/23/102
(0)
Re: I can help with Medicare questions. - EUGENE F COURTNEY 13:37:16 4/06/102
(2)
Re: I can help with Medicare questions. - EUGENE F COURTNEY 13:43:46 4/06/102
(1)
Re: I can help with Medicare questions. - EUGENE F COURTNEY 13:47:07 4/06/102
(0)
Re: I can help with Medicare questions. - CATHY ELLER 22:36:54 3/12/102
(0)
payments for out of country bills - Lupita 07:00:47 1/17/102
(0)
Re: re: craft magic beds - OSBORNE LAFRANCE 16:28:51 4/09/102
(0)
Re: I can help with Medicare questions. - BETTE J HALLIWELL 11:47:45 4/02/102
(0)
Re: I can help with Medicare questions. - dave snoberger 11:34:17 11/06/101
(0)
Re: Required to sign up for medicare? - Amanda GARRICK 19:06:19 4/05/102
(1)
Re: Required to sign up for medicare? - AMANDA GARRICK 19:08:46 4/05/102
(0)
Re: need medcial coverage - Sarah Bailey-Parker 17:03:52 1/27/102
(0)
Re: need medcial coverage - SHARON LAMB 07:44:09 1/17/102
(0)
Re: need medcial coverage - SHARON LAMB 07:43:51 1/17/102
(0)
Re: need medcial coverage - Sabrina Sykes 13:22:40 11/29/101
(0)
Re: online perscription drugs - Arema 11:20:26 8/30/101
(0)
Re: online perscription drugs - Arema 11:20:21 8/30/101
(0)
Re: online perscription drugs - SuzieB 09:09:15 5/31/101
(1)
Re: online perscription drugs - suzie b 09:10:00 5/31/101
(0)
Re: online perscription drugs - lynda saunders 11:15:37 4/28/102
(0)
RE DEXDRINE - DAVID HAYWARD 18:05:06 12/04/101
(0)
Re: i have to use vicodon 500 mg 6 times a day - Rollin Rob 00:00:35 12/29/101
(0)
Re: i have to use vicodon 500 mg 6 times a day - dmappel 21:28:02 4/04/102
(0)
Re: Medicare supplimental Insurance - Hobo/Mississippi 08:58:44 12/15/101
(1)
Re: Medicare supplimental Insurance - Donna Domm 17:15:49 3/23/102
(0)
Re: supplemental insurance / perscriptions help or free - Manda Stuart 12:34:58 4/25/102
(0)
Re: supplemental insurance / perscriptions help or free - Shorty Smith 12:21:07 4/18/102
(0)
Re: supplemental insurance / perscriptions help or free - Lin Caleen 10:48:24 3/04/102
(0)
Re: supplemental insurance / perscriptions help or free - Ruth P Harris 15:06:18 2/15/102
(1)
Re: supplemental insurance / perscriptions help or free - Jean Belfiore 07:36:49 2/20/102
(0)
Re: supplemental insurance / perscriptions help or free - Dorothy LaTraille 17:04:00 2/03/102
(0)
Re: supplemental insurance / perscriptions help or free - Kathy 09:05:42 1/13/102
(0)
Re: supplemental insurance / perscriptions help or free - SARAH TWYFORD 18:39:01 12/29/101
(0)
Re: supplemental insurance / perscriptions help or free - Judy 16:17:05 4/26/102
(0)
Re: supplemental insurance / perscriptions help or free - erica 08:19:24 2/25/102
(0)
Re: supplemental insurance / perscriptions help or free - CristinaC 06:15:46 2/07/102
(0)
Re: I HAVE NO MEDICAL INSURANCE AND I'M DISABLED HELP ME!!! PLEASE - IRVIN J WHALEY 09:31:09 12/12/101
(0)
Re: supplemental insurance / perscriptions help or free - MIKE 15:13:03 11/30/101
(0)
Re: supplemental insurance / perscriptions help or free - debbie utech 12:36:39 12/19/101
(0)
Re: supplemental insurance / perscriptions help or free - Rodney McBride 05:12:32 2/19/102
(0)
Re: supplemental insurance / perscriptions help or free - Betty 20:54:06 2/16/102
(0)
Re: supplemental insurance / perscriptions help or free - Marnita Kidd-Love 09:18:03 4/08/102
(0)
Re: supplemental insurance / perscriptions help or free - Pat 03:37:40 3/07/102
(0)
Re: supplemental insurance / perscriptions help or free - WILLIAM MILLER 16:49:12 1/16/102
(0)
Re: supplemental insurance / perscriptions help or free - Mur-Iel Collins 10:23:38 12/04/101
(1)
Re: supplemental insurance / perscriptions help or free - carolyn ball 16:01:55 4/06/102
(0)
Re: supplemental insurance / perscriptions help or free - Mur-Iel Collins 10:21:52 12/04/101
(0)
Re: AARP Supplemental - manuel garza 18:37:17 3/07/102
(0)
Re: Supplement Insurance to Medicare - mary curtis 06:54:33 1/24/102
(0)
Re: Supplement Insurance to Medicare - Mildred Hunkapiller 14:00:54 2/13/102
(1)
Re: Supplement Insurance to Medicare - Mildred hunkapiller 14:04:58 2/13/102
(0)
Re: Need Insurance.. plese help - KD 11:57:12 2/04/100
(0)
Re: Medicare & Medicare Supplements - JAMES FRIGO 08:35:50 3/07/102
(0)
Re: Medicare & Medicare Supplements - Kelley Fulks 21:14:55 1/24/102
(0)
Re: Medicare & Medicare Supplements - Joy Albrecht 14:52:32 1/21/102
(0)
Re: Medicare & Medicare Supplements - vickie horne 07:03:34 12/12/101
(0)
Re: Medicare & Medicare Supplements - vickie horne 07:03:30 12/12/101
(0)
Re: Medicare & Medicare Supplements - vickie horne 07:03:23 12/12/101
(0)
Re: Medicare & Medicare Supplements - vickie horne 07:03:20 12/12/101
(0)
Re: Medicare & Medicare Supplements - vickie horne 07:03:13 12/12/101
(0)
Re: Medicare & Medicare Supplements - vickie horne 07:03:10 12/12/101
(0)
Re: Medicare & Medicare Supplements - vickie horne 07:03:10 12/12/101
(0)
Re: Medicare & Medicare Supplements - vickie horne 07:03:09 12/12/101
(0)
Re: Medicare & Medicare Supplements - vickie horne 07:01:26 12/12/101
(0)
Re: Medicare & Medicare Supplements - Wjjillodean Weisseg 12:41:22 11/30/101
(0)
Re: Medicare & Medicare Supplements - floretta m baird 07:26:06 2/18/102
(0)
Re: PRESCRIPTION DRUGS - sal scalfani 16:03:04 2/04/102
(0)
Re: PRESCRIPTION DRUGS - suzie b 09:15:18 5/31/101
(1)
Re: PRESCRIPTION DRUGS - Carolyn 13:02:48 2/07/102
(0)
Re: Medicare & Medicare Supplements - JAMES A. KRUMM 14:01:07 3/04/102
(0)
Re: dental coverage? - DOROTHY COOK 06:20:15 1/31/102
(0)
Re: prescriptions - haydee jaure 17:54:21 11/26/101
(0)
Re: ZESTORETIC 20/12.5 - Frankie Smith 16:16:55 1/27/102
(0)
Re: ZESTORETIC 20/12.5 - CLARA MARAMDUKE 14:27:42 1/04/102
(0)
Re: ZESTORETIC 20/12.5 - lynn simpson 11:36:17 1/01/102
(0)
Re: prescriptions - TAGAFUR 13:44:05 3/31/102
(0)
Re: prescriptions - Richard Luksza 20:22:01 4/17/102
(0)
Re: In search of supplemental insurance to Medicare - George Chase 07:27:48 3/29/102
(0)
Re: In search of supplemental insurance to Medicare - Anthony Herrmann 11:11:54 3/12/102
(0)
Re: In search of supplemental insurance to Medicare - Donald R. Priest 08:27:29 1/03/102
(0)
Re: In search of supplemental insurance to Medicare - Leroy Mills 08:20:27 12/20/101
(0)
Re: In search of supplemental insurance to Medicare - Harold E. Sandifer 12:59:17 11/14/101
(0)
Re: supplimental plans to Medicare - Pat 17:08:20 9/17/101
(0)
Re: Medicare Supplimental Insurance Information - gerri 15:50:03 1/06/102
(0)
Re: Medicare Supplimental Insurance Information - MELVIN E BAUER 07:08:45 4/07/102
(0)
Re: Medicare Supplimental Insurance Information - Becky Hanson 03:36:33 3/16/102
(0)
Re: Medicare Supplimental Insurance Information - TOM FOUST 10:54:52 2/27/102
(0)
Re: Medicare Supplimental Insurance Information - KATHLEEN DARUDA, PA 10:30:57 2/26/102
(0)
Re: Medicare Supplimental Insurance Information - Rochelle Saferstein 08:59:41 2/25/102
(0)
Re: Medicare Supplimental Insurance Information - Rochelle Saferstein 08:58:09 2/25/102
(0)
Re: Medicare Supplimental Insurance Information - Nancy E Beck 17:07:05 12/17/101
(1)
Re: Medicare Supplimental Insurance Information - Don Beck, Paradise California 17:09:36 12/17/101
(0)
Re: Medicare Supplimental Insurance Information - Pam.Westbrook 15:22:03 12/03/101
(0)
Re: Medicare Supplimental Insurance Information - Huey in Cheyenne, 09:44:59 11/26/101
(1)
Re: Medicare Supplimental Insurance Information - Huey in Cheyenne, Wyoming 09:46:02 11/26/101
(0)
Re: Medicare Supplimental Insurance Information - Huey Robinette 09:43:26 11/26/101
(0)
Re: Medicare Supplimental Insurance Information - Walt in Orlando, Florida 17:07:53 11/06/101
(1)
Re: Medicare Supplimental Insurance Information - Marlene Armond 13:01:33 1/31/102
(0)
Re: Medicare Supplimental Insurance Information - Dennis T.Johnson 08:18:47 1/04/102
(0)
Re: Medicare Supplimental Insurance Information - Nor Hawkins 09:32:07 2/26/102
(0)
Re: Medicare Supplimental Insurance Information - lianne hall 08:46:52 3/08/102
(0)
Re: Medicare Supplimental Insurance Information - Harvey Buchholz 18:20:02 3/02/102
(0)
Re: Medicare Supplimental Insurance Information CT. - MARJORIE ROBERT BOWE 02:47:10 2/28/102
(1)
Re: Medicare Supplimental Insurance Information CT. - MARJORIE ROBERT BOWE 02:51:12 2/28/102
(0)
Re: Medicare Supplimental Insurance Information for Penna. - June M. Lorei-Smith 07:31:23 1/11/102
(2)
Re: Medicare Supplimental Insurance Information for FL & NJ - sue brown 20:58:49 2/23/102
(1)
Re: Medicare Supplimental Insurance Information for FL & NJ - Sue Brown 21:01:23 2/23/102
(0)
Re: Medicare Supplimental Insurance Information - Bradley Falls 09:46:59 1/05/102
(0)
Re: Medicare Supplimental Insurance Information - Melissa Miles 18:51:42 8/24/101
(1)
Re: Medicare Supplimental Insurance Information - Melissa Miles 18:54:49 8/24/101
(0)
Re: Medicare Supplimental Insurance Information - MARJORIE ROBERT BOWE 02:39:17 2/28/102
(0)
Re: Low cost medical insurance and free stuff for seniors - Staci Thacker 12:42:52 2/12/102
(0)
Re: Low cost medical insurance and free stuff for seniors - AUDREY HILL 19:09:27 1/07/102
(1)
Re: Low cost medical insurance and free stuff for seniors - glenn sheffield 18:38:47 4/13/102
(0)
Re: Low cost medical insurance and free stuff for seniors - Robert and Sarah Van Hook 16:57:24 2/20/102
(0)
Re: Low cost medical insurance and free stuff for seniors - Irma Feaver 09:59:06 2/15/102
(0)
Re: Low cost medical insurance and free stuff for seniors - Linda B Evans 17:54:38 1/23/102
(1)
Re: Low cost medical insurance and free stuff for seniors - Margaret Crooker 15:07:17 3/31/102
(0)
Re: Low cost medical insurance and free stuff for seniors - Roger Addie 10:57:57 12/05/101
(0)
Re: Low cost medical insurance and free stuff for seniors - Deneen Davis 11:23:47 1/28/102
(0)
Re: Low cost medical insurance and free stuff for seniors - Betty Darden 10:06:53 1/09/102
(1)
Re: Low cost medical insurance and free stuff for seniors - GLENDA WINKLER 08:06:10 3/22/102
(0)
Re: Medicare Eligibility - Ophelia P. Chandler 08:53:36 3/04/102
(0)
Re: Medicare Eligibility - Gail Simeone 08:28:15 2/21/102
(0)
Re: Medicare Eligibility - Scott Benedict 16:56:31 11/18/101
(1)
Re: Medicare Eligibility - tony 08:53:12 12/17/101
(0)
Re: Medicare Eligibility - frank dooley 12:17:51 11/09/101
(1)
Re: Medicare Eligibility - frank dooley 12:18:51 11/09/101
(0)
Re: Medicare Eligibility - Shake S. Vickery 20:53:19 8/22/101
(0)
Re: Supplemental Medicare Ins. in South Carolina - deanna 16:01:13 4/19/102
(0)
Re: Supplemental Medicare Ins. in South Carolina - Marian Sharpe 14:57:38 3/21/102
(0)
Re: Affordable health insurance - Naomi Peugh 12:03:01 1/18/102
(0)
Re: Affordable health insurance - MARTHA JO MOBBS 19:02:36 1/06/102
(0)
Re: Shield 65 - JoAnne Russi 15:45:18 1/11/102
(0)
Re: GEHA insurance - Ron Unangst 17:20:49 8/25/101
(0)
Re: Insurance Plan for Prescription Drugs for Seniors - RoseBryant 07:19:22 4/26/102
(0)
Re: Insurance Plan for Prescription Drugs for Seniors - clara lee may 14:30:49 4/08/102
(0)
Re: Insurance Plan for Prescription Drugs for Seniors - dennis woody 18:27:43 12/08/101
(2)
Re: Insurance Plan for Prescription Drugs for Seniors - yussef mneimne 12:40:18 2/11/102
(0)
Re: Insurance Plan for Prescription Drugs for Seniors - Shirley Oliver 12:46:11 2/01/102
(0)
Re: Insurance Plan for Prescription Drugs for Seniors - pamela mcnurlen 17:17:07 9/07/101
(1)
Re: Insurance Plan for Prescription Drugs for Seniors - Jerry Reinke 07:06:14 1/01/102
(0)
Re: Insurance Plan for Prescription Drugs for Seniors - Glenda Brandenberger 07:43:41 1/23/102
(0)
Re: Insurance Plan for Prescription Drugs for Seniors - CARONDA 09:51:44 1/25/102
(1)
Re: Insurance Plan for Prescription Drugs for Seniors - steve rosato 06:59:16 3/17/102
(0)
Re: Discount prescription care-nationwide - Jeanie 09:03:57 3/18/102
(0)
Re: Discount prescription care-nationwide - Karen 13:09:22 12/07/101
(0)
Re: Discount prescription care-nationwide - Mary T 15:52:55 9/12/101
(1)
Re: Discount prescription care-nationwide - J.D. Cook 12:05:57 11/04/101
(0)
Re: Discount prescription care-nationwide - Melanie Joye Burke 07:11:51 12/26/101
(0)
Re: Discount prescription care-nationwide - Melanie Harry 11:01:47 12/05/101
(0)
Re: Discount prescription care-nationwide - Amy 10:52:20 2/09/102
(0)
Re: Discount prescription care-nationwide - Gertrude Johnson 09:16:49 3/01/102
(0)
Re: Need Health Insurance after retiremenrt - Larry Schwartz 21:17:02 1/06/102
(0)
Re: Need health insurance for my self and husband - Deborah Hughes 06:17:17 4/10/102
(0)
Re: Need Health Insurance Until Age 65 - joyce bezer 22:14:15 1/25/102
(1)
Re: Need Health Insurance Until Age 65 - joyce bezer 22:15:43 1/25/102
(0)
Re: Need Health Insurance Until Age 65 - Ray Gelinas 11:00:14 12/21/101
(0)
Re: Need Health Insurance Until Age 65 - V.C. Easley 09:30:26 3/06/102
(0)
Re: Need Health Insurance Until Age 65 - V.C. Easley 09:27:24 3/06/102
(0)
Re: Need Health Insurance Until Age 65 - LeRoy W. Musick 11:56:53 11/25/101
(1)
Re: Need Health Insurance Until Age 65 - LeRoy W. Musick 11:58:42 11/25/101
(0)
Re: Need Health Insurance Until Age 65 - Joyce A. Huff 19:02:14 2/24/102
(0)
Re: Need Health Insurance Until Age 65 - Ken Alexander 17:41:52 1/04/102
(0)
Re: applying for disability - sylvia lara 14:19:21 5/31/101
(0)
Re: GE or AARP Long-term Care Ins.? - Eleanor and Roy Shutt 18:09:54 2/19/102
(0)
Re: GE or AARP Long-term Care Ins.? - Alva Howard 15:37:34 2/18/102
(0)
Supplement Ins, that pays A&B Deductibles & Extended Care like Plan C & be under $125.00 a month. I'm 56 years old & Disabled & I am on AARP. - Ken R. Olson 18:15:01 12/26/101
(0)
Re: GE or AARP Long-term Care Ins.? - alfred p. vecchione 07:03:00 12/24/101
(0)
Re: GE or AARP Long-term Care Ins.? - Wm. J. williams 13:42:46 11/29/101
(0)
Re: GE or AARP Long-term Care Ins.? - fran 07:05:58 5/25/100
(0)
RE: AARP, Advantage Insurance: - Janette Allred 09:11:15 2/06/102
(0)
Re: Zorcor - thomas goodyear 13:31:59 4/28/102
(0)
Re: Zorcor - mary 10:27:33 4/20/102
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Re: Zorcor - Harold McGuire 22:02:29 4/10/102
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Re: Zorcor - sue miller 12:32:40 4/03/102
(0)
Re: Zorcor - Carol J. Fletcher 21:49:55 3/16/102
(0)
Re: Zorcor - ezra a beierle 14:45:44 2/22/102
(0)
Re: Zorcor - millie hammond 19:20:43 1/30/102
(1)
Re: Zorcor - Linda 19:38:59 1/30/102
(0)
Re: Zorcor - jodi drane 21:28:46 1/27/102
(0)
Re: Zorcor - babe frazier 07:52:21 1/12/102
(0)
Re: Zorcor - Bev Lane 04:58:37 9/02/101
(1)
Re: Zorcor - Marilyn 18:04:46 9/10/101
(0)
Re Zorcor - Joan Williams 10:06:31 8/08/101
(0)
Re: Zorcor - Ron Aurand 18:28:43 8/23/101
(0)
Re: Zorcor what are the side affects please - wanda grimaldi 04:24:37 4/06/102
(0)
Re: Zorcor what are the side affects please - linda 14:31:26 1/24/102
(0)
Re: Zorcor what are the side affects please - John De Frank 16:00:26 12/20/101
(0)
Re: Zorcor what are the side affects please - dorothy thomason 10:14:30 9/27/101
(0)
Re: Zorcor what are the side affects please - sherrill kiritsis 05:51:34 9/01/101
(0)
Re: Social Security & Medicare Deductions - HERB CASS 13:24:09 3/15/102
(0)
Re: Social Security & Medicare Deductions - bev brown 12:18:23 2/04/102
(0)
Re: Social Security & Medicare Deductions - onreke p Brown 10:12:18 1/17/102
(0)
Re: Social Security & Medicare Deductions - BEV BROWN 10:31:25 2/04/102
(1)
Re: Social Security & Medicare Deductions - BEV BROWN 10:32:02 2/04/102
(0)
Re: perscription cards - yvone whie 14:32:04 4/10/102
(0)
Re: perscription cards - Samantha 20:53:22 11/15/101
(0)
Re: perscription cards - DARREN SELLERS 08:26:29 5/25/100
(1)
Re: perscription cards - John R. Smith 01:20:55 9/18/101
(0)
Re: perscription cards (Rx) - Carolyn Smith 18:45:06 2/13/102
(0)
Re: perscription cards or help on medications (Rx) - karen callais 07:48:00 1/08/102
(0)
Re: medigap insurance - Patricia Brinkley 13:32:39 1/07/102
(2)
Re: medigap insurance - kevin-Utah 01:05:19 1/18/102
(1)
Re: medigap insurance - Harriett Stiff 21:26:53 4/23/102
(0)
Re: medigap insurance - Faith Ann 22:51:00 12/06/101
(0)
Re: medigap insurance - vernon sinn 14:15:58 12/06/101
(0)
Re: medigap insurance - Barbara Hodges 19:51:12 11/30/101
(0)
Re: medigap insurance - June Ware 07:21:00 11/21/101
(1)
Re: medigap insurance - Chuck Goldberg 17:02:37 11/23/101
(0)
Re: Medicad Insurance - laura browne 10:19:16 4/22/102
(0)
Re: Medicad Insurance - Tim and Lani Steiner 16:17:39 4/11/102
(0)
Re: Medicad Insurance - kathy kirby 06:24:56 4/09/102
(0)
Re: Medicad Insurance - Paul Farrar 02:06:50 4/01/102
(1)
Re: Medicad Insurance - Denise Mattews 14:36:29 4/06/102
(0)
Re: Medicad Insurance - george sherrill 17:15:03 3/26/102
(0)
Re: Medicad Insurance - RICHARD R. MILLS 06:31:46 2/27/102
(0)
Re: Medicad Insurance - SUSAN RUMPF 05:24:31 2/21/102
(0)
Re: Medicad Insurance - Felicia Newman 13:24:33 2/20/102
(0)
Re: Medicad Insurance - wanda cooper 15:42:19 2/15/102
(0)
Re: Medicad Insurance - Lori 11:49:06 2/14/102
(0)
Re: Medicad Insurance - GLENMORE FERRANCE 00:54:58 2/06/102
(0)
Re: Medicad Insurance - Robert Ciccone SR 05:16:39 1/23/102
(0)
Re: Medicad Insurance - Rober t 05:12:31 1/23/102
(0)
Re: Medicad Insurance - Rita Gore 13:16:29 1/04/102
(0)
Re: Medicad Insurance - Michael Pearson 06:53:52 1/04/102
(0)
Re: Medicad Insurance - Samantha Hemmer 08:42:02 1/03/102
(0)
Re: Medicad Insurance - Ashley Cockrell 20:01:57 12/25/101
(0)
Re: Medicad Insurance - nell reiten 17:11:36 12/24/101
(0)
Re: Medicad Insurance - contessa ward 11:22:40 12/22/101
(1)
Re: Medicad Insurance - MECICAD 11:21:47 1/08/102
(0)
Re: Medicad Insurance - christina rivera 10:42:01 12/17/101
(0)
Re: Medicad Insurance - Dorothy Appel 15:17:38 12/08/101
(0)
Re: Medicad Insurance - Carol Woodley 22:55:23 12/06/101
(0)
Re: Medicad Insurance - Amanda Varner 08:33:36 12/05/101
(0)
Re: Medicad Insurance - Mayra Collado 14:28:45 11/28/101
(0)
Re: Medicad Insurance - Bonnie Isaacs 17:57:10 11/26/101
(0)
Re: Medicad Insurance - jasmine acosta 17:54:31 11/25/101
(0)
Re: Medicad Insurance - Vera 17:49:17 11/18/101
(0)
Re: Medicad Insurance - Karen Laudano 22:22:17 11/10/101
(1)
Re: Medicad Insurance - judith keith 08:23:49 11/12/101
(0)
Re: Medicad Insurance - tina 19:30:39 11/07/101
(0)
Re: Medicad Insurance - Angie Jewell 09:34:07 11/06/101
(0)
Re: Medicad Insurance - Veronica Johnson 17:03:15 11/05/101
(0)
Re: DENTIST FOR CHILDREN - Janet Lawrence 10:35:35 11/16/101
(2)
Re: DENTIST FOR CHILDREN - STARRETTE PINDER 09:57:25 2/28/102
(1)
Re: DENTIST FOR CHILDREN - SHIRLEY GARNIGAN 08:20:46 3/11/102
(0)
Re: DENTIST FOR CHILDREN - Janet Lawrence 10:34:41 11/16/101
(0)
Medicad Insurance - Destiny Terrell 08:37:11 9/25/101
(1)
Re: Medicad Insurance - Destiny Terrell 08:38:11 9/25/101
(0)
Re: Medicad Insurance - barbara lambert 14:33:14 9/19/101
(0)
Re: Medicad Insurance - peggy grizzle 07:07:36 9/07/101
(0)
Re: Medicad Insurance - Jamie Frost 11:56:17 9/02/101
(0)
Re: Medicad Insurance - Ruby B. McPhail 08:20:39 9/02/101
(0)
Re: Medicad Insurance - JOYCE YBARRA 09:54:54 8/13/101
(0)
Re: Medicad Insurance - Douglas Wilson 06:16:21 8/07/101
(0)
Help with Prescription drugs. - Sam Combs 08:46:50 8/06/101
(3)
Re: Help with Prescription drugs. - Tracey Robinson 17:19:34 3/25/102
(0)
Re: Help with Prescription drugs. - Anna 21:48:21 8/24/101
(0)
Re: Medicad Insurance - renee hainline 20:30:43 1/23/102
(0)
Re: Medicad Insurance - stephanie young 21:06:11 8/28/101
(0)
Re: FLORIDA Medicad Insurance - MARION WEINSTEIN 19:36:39 4/20/102
(0)
Re: FLORIDA Medicad Insurance - Pat Lee 09:51:35 4/16/102
(0)
Re: FLORIDA Medicad Insurance - marisol martinez 13:15:35 3/31/102
(0)
Re: FLORIDA Medicad Insurance - valarie nichols 07:44:16 2/19/102
(0)
Re: FLORIDA Medicad Insurance - danielle curcuru 06:42:49 1/15/102
(1)
Re: FLORIDA Medicad Insurance - danielle curcuru 06:43:44 1/15/102
(0)
Re: FLORIDA Medicad Insurance - concerned people 08:27:35 8/29/101
(0)
Re: Medicad Insurance - Nancy DeJesus 20:44:24 12/30/101
(0)
Re: Seeking affordable medical insurance,information on medigap - Sebastian Schneider 16:41:01 9/24/101
(1)
Re: Seeking affordable medical insurance,information on medigap - Sebastian Schneider 16:43:10 9/24/101
(0)
Need medical insurance now!!! - Joni Beerends 10:48:21 9/13/101
(0)
Re: Seeking affordable medical insurance - Joni Beerends 10:47:09 9/13/101
(0)
Re: Do you have questions about Medicare or Supplemental Insurnance - kenneth e. la porte 10:59:47 8/21/101
(0)
Insurance info - Shari 15:36:00 9/20/101
(0)
Re: Medicare/Medicaid - Gerlinde Mullen 08:13:53 8/23/101
(1)
Re: Medicare/Medicaid - Gerlinde Mullen 08:17:25 8/23/101
(0)
Re: Medicare/Medicaid/Supplemental Insurance - Mary Notestone 12:18:10 8/09/101
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Annuity Basics
In a Question and Answer Format
The following is intended to provide a broad overview of annuities and answer some basic questions.
What is an annuity?
What should I look for in an annuity provider?
What are the different types of annuities, their advantages and disadvantages?
What types of pay-out options are available from annuities?
While this overview points out elements that many annuities have in common, there are hundreds of different
annuity products available today, each with its own particular features, benefits and pay-out options. Within that
very large group of annuity products, it is possible that particular annuities may behave differently than
the descriptions given here.
If you are interested in annuities, we encourage you to learn as much as you can
about a particular product and talk to a financial counselor you trust before making any purchase decision.
What Is An Annuity?
An annuity is an insurance product designed to provide income -- either at some future date or immediately.
With any annuity, the consumer makes at least one payment (called a "premium") to an insurance company. The
insurance company, in turn, agrees to provide income payments to the consumer in the future or right away.
Because there are several different varieties of annuities, it is easiest to break them into two broad groups
-- deferred annuities (those designed to pay in the future) and immediate annuities (those designed to provide
income immediately.)
What should one look for in an annuity provider?
When purchasing an annuity from an insurance company, you are placing your money, your trust and part of your
future financial well-being with that company. Be sure that the company you choose has a long track record
of meeting its financial obligations and is financially strong. By researching and comparing the financial
condition and credit ratings of several insurance companies you will be able to make an informed decision.
Check the insurance company’s financial condition. Ask your financial counselor or your state’s insurance
department for this information.
Research the credit ratings of the insurer versus those of other providers. The rating applies to the
company that issues the annuity, not to any specific annuity product or to any underlying investments.
The most widely-known credit rating agencies are Standard and Poor’s, Moody’s, Fitch, and A.M. Best.
For more information on either deferred or immediate annuities.
Deferred annuities
Fixed Deferred Annuities
Variable Deferred Annuities
Immediate annuities
Fixed Immediate Annuities
Variable Immediate Annuities
Deferred Annuities
What is a deferred annuity?
A deferred annuity is an insurance product designed to provide income at some time in the future - typically
during retirement. The idea is to let the premium payment you made to the insurance company accumulate tax-deferred
for a number of years.
If you choose a fixed, deferred annuity , your money will accumulate at a
fixed rate guaranteed* by the insurance company for a specified period of time.
If you choose a variable, deferred annuity , your money will accumulate at a variable rate, based upon the
performance of the underlying investments. The investment return and the value of an investment will fluctuate
so that an investor’s shares, when redeemed, may be worth more or less than their original cost.
When you no longer wish to keep accumulating funds in your annuity, you may take the money out as a lump sum
or annuitize it (convert it to income payments). If you annuitize, you have a choice of several standard pay-out
options. Liquidations of earnings are subject to ordinary income tax and, if taken prior to age 59 1/2, a 10%
federal income tax penalty may also apply.
Fixed, deferred annuity
Variable, deferred annuity
* Guarantees are based on the claims-paying ability of the insurer.
Fixed, Deferred Annuities
What is a fixed, deferred annuity?
A fixed, deferred annuity is an insurance product that offers a fixed interest rate
guaranteed* by an insurance company for a specified period of time (sometimes called a
“guarantee period”). With this form of retirement savings, the premium you pay to the insurance company accumulates on a
tax-deferred basis and the insurance company usually guarantees* the return of your principal
investment.
Example
Mr. and Mrs. Smith, both in their early 50's, have received a $40,000 inheritance and would like to use this
money for their retirement income later on. Their financial advisor has explained that an annuity may be a suitable
product for them. The Smiths have a very low risk tolerance and they will need this money for their retirement.
They decide that a fixed, deferred annuity is perfect for them because they do not need the money right now and they
do not want to risk losing their principal investment.
What are the advantages of a fixed, deferred annuity?
Tax-deferred accumulation
Guaranteed return of principal*
Guaranteed interest rate*
Choice of guarantee period with many fixed annuities
Not subject to stock and bond market fluctuations
No fees or charges with many fixed annuities.
* Guarantees are based on the claims-paying ability of the insurer.
What are the disadvantages of a fixed, deferred annuity?
No flexibility. You may not change any applicable guarantee period or interest rate once you pay
your premium.
Not a liquid investment. Liquidation of earnings is subject to ordinary income tax and, if taken
prior to age 59 1/2, a 10% federal income tax penalty may also apply. Early surrender charges may also apply.
For what type of investor is a fixed, deferred annuity suitable?
It may be a suitable investment for someone:
Seeking a fixed rate of return
Wishing to diversify their overall retirement investment portfolio
Who has already reached maximum contribution levels in a 401(k) plan and any IRAs they may have.
Not wanting to worry about market fluctuations or having to actively manage their investments.
May one make withdrawals from a fixed, deferred annuity?
Certain withdrawals from fixed, deferred annuities may be subject to:
Surrender charges
On many annuities, the insurer may assess a
“surrender charge” -- typically ranging from 7 percent to 1 percent of the withdrawal amount, based
on a schedule where the amount of the surrender charge declines over time. There are some exceptions. Some
annuities allow the annuitant to annually withdraw a certain amount (for example 10%) without a surrender charge.
Market value adjustments
Some fixed annuities contain a market value adjustment that applies when you take a full
or partial distribution. With some types of fixed annuities, the market value adjustment may increase or decrease
the value of your distribution, depending whether the interest rates currently being offered for your type of
annuity have risen or fallen since your “guarantee period” began. If they’ve fallen, the adjustment may result
in a higher payment. If they’ve risen, your payment may be lower. With some types of annuities, there is no market
value adjustment if you surrender your annuity at the end of a guarantee period.
Federal income tax penalties.
Withdrawals before age 59 1/2 may be subject to a 10 percent Federal Income Tax penalty.
Ask your financial consultant if any of these apply with the annuity you are considering.
Pay-out options available
Most annuities offer several standard pay-out options - ranging from pay-outs for a specified period of time
(Period Certain), to pay-outs for life.
Click for more pay-out options information.
Variable, Deferred Annuities
What is a variable, deferred annuity?
A variable, deferred annuity is a long-term insurance product that enables the premium paid to the
insurance company to accumulate tax-deferred with a variable rate of return. Within the annuity, there is
a choice of investment options (called sub-accounts) that will allow for management of investment
choices over time. The sub-accounts invest in underlying funds that, in turn, invest in various types of
securities (i.e.,stocks, bonds, money market instruments) each with a different risk/return profile. The
return on your annuity will depend on the performance of the investment options you choose.
Example
Nancy Edwards, 56, makes the maximum contribution to her 401(k) plan at work each year and also has an
IRA to which she contributes the maximum annual amount. This year, she receives a bonus for which she
doesn’t have an immediate need. She decides she would like to invest $15,000 of her bonus and let the
earnings accumulate on a tax-deferred basis. Knowing that Nancy is financially savvy and is a moderately
aggressive investor, her financial advisor suggests a variable, deferred annuity with a mix of equity and
bond investment options. Nancy is willing to take the risk of either profiting or losing from this investment.
What are the advantages of a variable, deferred annuity?
Tax-deferred accumulation
Ability to choose among investment options
Potential for more rapid accumulation than with a fixed annuity.
What are the disadvantages of a variable, deferred annuity?
No guaranteed rate of return on variable investment options
No guarantee of principal
Not a liquid investment. Liquidation of earnings is subject to ordinary income tax and, if
taken prior to age 59 1/2, a 10% federal income tax penalty may also apply. Early surrender charges may
also apply.
Subject to fees and charges from the annuity contract and from the underlying investments.
For what type of investor is a variable, deferred annuity suitable?
A variable, deferred annuity can be a suitable investment for someone:
Who does not require a fixed rate of return and with a tolerance for risk
Who has already reached maximum contribution levels in his or her 401(k) plan
and in any IRAs
Who likes to manage their own investments
May one make withdrawals from a variable, deferred annuity?
Certain withdrawals from variable, deferred annuities may be subject to:
Surrender charges
On many annuities, the insurer may assess a “surrender charge” -- typically ranging from 7% to 1%
of the withdrawal amount, based on a schedule where the amount of the surrender charge declines over time.
There are some exceptions. Some annuities allow the annuitant to annually withdraw a certain amount
(for example 10%) without a surrender charge.
Federal income tax penalties
Withdrawals before age 59 1/2 may be subject to a 10 percent Federal Income Tax penalty.
When speaking with your financial consultant, ask if any of these apply with the annuity you are considering.
What pay-out options are available when I get ready to receive income from my annuity? >
Most annuities offer several standard pay-out options - ranging from pay-outs for a specified period of time
to pay-outs for life.
Click for more pay-out options information.
Immediate Annuities
What is an immediate annuity?
An immediate annuity is an insurance product designed to convert assets into income immediately
(typically within 30 days and seldom longer than 12 months from the date of purchase). The consumer pays
a premium to the insurance company and the insurance company makes a stream of periodic, income pay-outs** to the
annuitant. As is the case with deferred annuities, immediate annuities can either be fixed or variable.
** Taxable Distributions (and certain deemed distributions) are subject to ordinary income tax.
With a fixed, immediate annuity , your periodic pay-out amount will always stay the same. With a variable,
immediate annuity , your periodic pay-out amount will fluctuate, based on the performance of the investment
options you have chosen within the annuity.
Fixed, Immediate Annuities
A fixed, immediate annuity is an insurance product that offers a fixed, periodic payment to you,
the annuitant, to begin shortly (usually about a month) after you pay your premium to the insurance company.
You choose the time frame over which you will receive your pay-outs
Either for a specified period (called a “Period Certain”)
Or for the rest of your life.
The most common usage of this type of annuity is to convert assets into a steady income during retirement.
Example
Mr. Johnson, age 71, is a conservative investor who wants to have additional monthly income. He plans to sell
about $50,000 of mutual funds that he currently owns and use the proceeds to buy a 10-year Period Certain Fixed,
Immediate Annuity . His fixed pay-outs will begin in about a month. He likes the idea that he won't have to
worry about market fluctuations with the mutual funds any more and that his pay-outs will be the same every
month. He also likes the fact that, should he die before the 10-year period is over, his beneficiary will
receive any remaining payments from that Period Certain.
What are the advantages of a fixed, immediate annuity?
Guaranteed* periodic pay-outs**.
Pay-outs begin immediately.
Pay-out amount is not subject to market fluctuations.
* Guarantees are based on the claims-paying ability of the insurer.
** Taxable Distributions (and certain deemed distributions) are subject to ordinary income tax.
What are the disadvantages of a fixed, immediate annuity?
No choice of investment options.
No flexibility. You may not change your pay-out option or your periodic pay-out amount
once the pay-outs begin.
Not a liquid investment. Withdrawals are not allowed unless the annuity has a commutation
(cancellation) provision.
For what type of investor is a fixed, immediate annuity suitable?
Is seeking a fixed, periodic pay-out
Does not want to worry about market fluctuations and have to manage their investments.
Can one make withdrawals from a fixed, immediate annuity?
No. Withdrawals from a fixed, immediate annuity may be made only if there is a commutation (cancellation)
provision written in your annuity contract.
What pay-out options are available from a fixed, deferred annuity?
Most fixed, deferred annuities offer several standard pay-out options - ranging from pay-outs for a specified
period of time (Period Certain) to pay-outs for life.
Click for more pay-out options information.
Variable, Immediate Annuity
What is a variable, immediate annuity?
A variable, immediate annuity is an insurance product designed to produce pay-outs that will vary
depending upon the performance of the investment options you choose. At the time you pay your premium
to purchase the annuity, you choose from several underlying investment options (called sub-accounts).
The sub-accounts, in turn, invest in underlying securities that can range from stocks to bonds to money
market instruments. You choose the investment options based your assessment of their potential performance
and on your own risk tolerance.
Unlike a fixed, immediate annuity, you may make some changes to your variable, immediate annuity after
the pay-outs begin. You may change your investment options as frequently as your particular annuity allows.
You may not, however, change your pay-out option.
Example
Mr. and Mrs. Ford, ages 70 and 72, have a sum of money that they would like to use to purchase an annuity.
They have discussed with their financial advisor that they already have enough income to fund their retirement.
They would like to purchase an annuity and be able to choose their investment options with the potential of
profiting from favorable performance. Because the Fords are savvy investors, their financial advisor
suggests a variable, immediate annuity because they want to receive pay-outs immediately, but they do not
need a defined pay-out.
What are the advantages of a variable, immediate annuity?
Ability to choose underlying investment options
A stream of periodic income payments**.
Potential for higher returns than a fixed annuity.
** Taxable Distributions (and certain deemed distributions) are subject to ordinary income tax.
What are the disadvantages of a variable, immediate annuity?
Pay-outs are not guaranteed - they are subject to market fluctuations
No guaranteed return of principal
No liquidity. The only way that withdrawals can be made from an immediate annuity
is if there is a commutation provision written in your annuity.
Subject to investment management fees and other charges.
For what type of investor is a variable, immediate annuity suitable?
Is willing to have his or her periodic pay-outs fluctuate
Does not mind managing his or her investments.
Can one make withdrawals from a variable, immediate annuity?
No. The only way you can make a withdrawal from a variable, immediate annuity is if there is a
commutation (cancellation) provision written in your annuity contract.
What pay-out options are available from a variable, immediate annuity?
Most annuities offer several standard pay-out options - ranging from pay-outs for a specified period of
time (Period Certain) to pay-outs for life.
Click for more pay-out options information.
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Annuity Pay-Out Options
What are the pay-out options if I choose to annuitize (convert my assets to income payments)?
Both fixed and variable annuities offer similar pay-out options.
The most common options are listed here.
Pay-out Option
Length of Payments
Payment to Beneficiary
Example
Life Only Annuity
The annuitant will receive pay-outs for the rest of his or her life. Under this option,
it is possible to receive only one pay-out
No death benefit with this option.
John purchases a life annuity and lives for three more years, receiving
pay-outs over that time. Upon his death, no death benefit is payable. Susan purchases a life annuity and lives
for 25 years, receiving pay-outs over that time. Upon her death, no death benefit is payable.
Period Certain Annuity
The annuitant will receive guaranteed* pay-outs for a specified period of time (Period Certain). This period is
typically expressed as a number of years (i.e., 10, 15, or 20 years).
If the annuitant dies before the specified period ends, the beneficiary will receive pay-outs for the rest of
the Period Certain.
Bill buys a 10-year period certain annuity and he dies in the 3rd year. The beneficiary will receive payments
for the remaining 7 years.
Life Annuity with Period Certain
The annuitant will receive periodic pay-outs for the longer of his/her lifetime or a specified period
(Ex. Life with 10 years certain).
The beneficiary will receive payment if the annuitant dies before the specified period has expired.
Maria buys a Life with 10-year Period Certain annuity and she later dies in the third year. Her beneficiary
receives payments for the 7 remaining years. However, if she were to die in the 11th year after purchasing
the annuity, the beneficiary would receive nothing.
Joint and Survivor Annuity
Payments are made for the duration of 2 lives. Upon the death of the first annuitant, the second annuitant
receives a percentage (typically ranging from 50-100%) of the amount the first annuitant received.
No death benefit with this option.
Tom has chosen a Joint and Survivor with 50 percent continuation benefit
for him and his spouse, Jill. When Tom dies, Jill will continue to receive pay-outs for the rest of her life,
but each pay-out will only be 50% of the periodic pay-out he received. When Jill dies, no death benefit will be payable.
Joint and Survivor With Period Certain
Payments are made for the duration of 2 lives. Upon the death of the first annuitant, the second annuitant
receives a percentage (typically ranging from 50-100%) of the amount the first annuitant received.
In addition, the annuitants may choose a minimum period (Period Certain) over which they will receive
guaranteed payments*.
If both annuitants die before the Period Certain ends, a beneficiary will receive any remaining guaranteed* payments.
Jim and Martha purchase a Joint and Survivor Annuity with 50% continuation benefits and a 10-year Period
Certain. If Jim dies in year 3, Martha will continue to receive pay-outs, but the amount of each pay-out will
be 50% of the amount he received. If Martha dies before the end of the 10th year, any remaining pay-outs
will go to a beneficiary. If Martha dies after the end of the 10th year, no death benefit will be payable.
Life Annuity with Cash Refund
With this option, the annuitant receives guaranteed* periodic pay-outs for the rest of
their life. If the annuitant dies before receiving the amount of his/her premium payment back as pay-outs,
any remaining pay-outs go to a beneficiary. NOTE: For immediate annuities, a beneficiary will receive any
remaining premium if the annuitant dies before receiving the amount of his or her premium back as pay-outs.
For deferred annuities, if the annuitant dies before receiving any pay-outs, the beneficiary will
receive the account value of the annuity.
Upon the death of the annuitant, the beneficiary will receive the remainder of the premium
(or in the case of a deferred annuity, the account balance.)
Juan makes a premium payment of $100,000 to purchase an immediate Life Annuity with Cash Refund. He dies
several years later, after having received only $75,000 back in the form of pay-outs. His beneficiary
will receive the remaining $25,000.
* Guarantees are based on the claims-paying ability of the insurer.
** Taxable Distributions (and certain deemed distributions) are subject to ordinary income tax.
How the pay-out option choosen affects the monthly benefit
This chart, for an immediate fixed annuity pay-out only, shows how a monthly annuity benefit amount is
affected by the pay-out option chosen.
Assumptions
Annuity type: Fixed, Immediate
Premium Amount: $100,000
Annuitant: Male, Age 60
Joint Annuitant (if applicable): Female,
Age 62
Example: How Choice Of Pay-out Option Affects Benefit Amount
Pay-out Option
Monthly Benefit paid to annuitant
Provisions for beneficiary or co-annuitant
10 yr. Period Certain Annuity
$1,125.13
If the annuitant dies before the 10-year Period Certain ends, the beneficiary will receive the remainder of
the payments for the 10-year period.
Life Only Annuity
$724.96
No death benefit.
Life Annuity with 10 yr. Period Certain
$714.41
If the annuitant dies before the 10-year Period Certain ends, the beneficiary will receive the payments for
remainder of the 10-year period.
Life Annuity with cash refund
$698.72
If the annuitant dies before receiving the $100,000 premium back as pay-outs, the beneficiary
will receive the difference.
Joint and Survivor Annuity with 50% continuation
$693.51
The co-annuitant will receive a monthly benefit of $346.75 upon the death of the primary annuitant.
Joint and Survivor Annuity With 50% continuation and 10-Year Period Certain
$688.42
The co-annuitant will receive a monthly benefit of $344.21 upon the death of the primary annuitant.
If both annuitants should die before the end of the 10-year Period Certain, the beneficiary will receive any
remaining payments at the 50% level.
The above information was provided by
Hartford Life Insurance Company
Understand enough about Annuities to want a
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Guaranteed Acceptance Life Insurance
Some companies are now offering Guaranteed Acceptance Life Insurance to people whose age,
health or pocketbook may prohibit them from being able to purchase life insurance.
Unlike underwritten life insurance policies, you are not required to answer
any health questions or take a physical.
Usually these plans include a limited benefit period. If death occurs during the first few
years, a reduced benfit is payable or the company will return the premiums
paid plus interest. This allows the company to guarantee your acceptance.
Guaranteed Acceptance Life Insurance provides extra protection to help
cover final expenses, unpaid medical bills, outstanding loans and credit
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