Cathy Viola Independent Insurance Agent

Are You Puzzled About Your Healthcare Options?

Allow Me To Help!

I am Cathy Viola, an independent agent focused on finding the right plan for your health and budget needs. Call me with questions about Individual, Group, or Medicare Health Plans. It’s not just an insurance policy, it’s a plan that meets your lifestyle.

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Plans I Can Help You With

  • Individual Health Insurance Plans
  • Group Insurance Plans
  • Company Retirement Plans
  • Medicare Advantage Plans
  • Prescription Drug Plans
  • Medicare Supplemental Plans
  • Insurance Plans
  • Dental, Vision & Hearing Plans
  • Short Term Recovery
  • Home Care
  • Hospital Indemnity
  • Cancer
  • Heart Attack & Stroke
  • Life & Final Expense Insurance

Protecting Your Future Today

Helping Provide Peace of Mind

Baby Boomers - Age 65

Medicare Part A Hospital Coverage

Covers Hospital / Skilled Nursing Facility care: includes certain charges, services and supplies.

Generations by Birth Year

  • Baby Boomers: 1947-1960
  • Generation X: 1960-1980
  • Generation Y Millenials: 1980-2000
  • Generation Z: 2004-2018

Medicare Part B Medical Coverage

Covers charges for Physicians’ and outpatient services and supplies, physical and speech therapy and ambulance services.

Some of the coverage information for Medicare Supplement

  • Medicare supplement plans cover Part A deductible
  • Part A Hospital co-payment (61-90 days)
  • Hospice Part A Co-Pay
  • Skilled Nursing Facility co- payment ( 21-100 days)

Medicare Supplement Insurance plans do not cover prescription drugs, vision, dental, hearing aids, eye glasses or private duty nursing.

Security Solutions

Whether you are working or retired, its important to consider the cost of health care and how an unexpected accident or illness expenditure can impact you and your family’s finances.

Health care is constantly changing and the costs are increasing. Hospital confinement is expensive and is sometimes followed by costly rehabilitation and therapy.

At lease 70% of people over the age of 65 will need long-term care services and support at some time.

Recovery Care Insurance

A Recovery Care insurance plan gives you the freedom to choose how you want to recover and where. Benefits are paid directly to you or a medical provider that you designate and are paid in addition to any other health care coverage. Some benefits include: daily nursing facility including assisted living and bed reservation, daily hospital indemnity.

Home Care Plus

Home Care Plus plans can let you recuperate at home by covering physical, speech, and respiratory therapies and other medically necessary treatments. In- home recovery and treatments using skilled assistance can often be just as effective as other professional environmental options.

Benefits can be paid directly to you or a medical provider that you designate and are paid in addition any other health care coverage including Medicare.

Home Care

Home care is an indemnity plan of insurance with benefits for hospital confinement, home care and registered nurse. This plan can help offset the deductibles and co-pays that you may have with other insurance plans. Plan benefits can even help with expenses incurred but not covered by other insurance.

Benefits are paid in addition to any other coverage, including Medicare.

Hospital Indemnity

Hospital Indemnity Insurance can help off set you’re the cost of deductibles, co-pays, and unexpected or additional expenses incurred but not covered by your other insurance plans. Benefits are paid directly to you, or medical provider that you designate and are paid in addition to any other health care coverage. These plan benefits give you the choose of which options are right for you. Whether you want hospital, skilled nursing, out patient doctor or surgical coverage, or emergency room benefits, your plan has multiple choices to meet your needs for the future.

$174 billion is the total projected cost for cancer treatments in the U.S. in 2020.

Cancer Plans

Cancer plans are available for individuals, spouses, and families, age 18-99.

You can choose your benefit amounts that best fit your lifestyle and you and budget. The policy pays 100% of your selected benefit amount – from $5000 up to $100,000 – if you are diagnosed with cancer while your policy is in force.

Should you receive a cancer diagnosis, we are able to help you pay for the care and treatment.

Some of the benefits include: hospital, outpatient diagnostic, surgical, outpatient surgery, chemotherapy, transplant, radiation or you may choose a lump sum benefit.

Medical Costs of Cancer

39% are direct costs and 61% are indirect costs.

Cancer and Heart Attack and Stroke Insurance

7.9 million living Americans have suffered a heart attack.

Heart attacks are the number one cause of death for both men and women in the United States.

More than 920,00 Americans will have a heart attack this year; half will occur with no warning signs.

Maintenance after a heart attack or stoke could include : medications, testing, ongoing and cardiologist appointments and therapy.

One of the largest indirect costs is loss of productivity and income.

Strokes are the third leading cause of death in women, the fifth leading cause of death in men and among the top 10 in children. A stroke reduces the mobility in more the half of stroke survivors 65 and older.

This policy is not affected by any other insurance that you have.

You will receive a lump sum payment. You can use this money to pay for medical or any other type of living expenses including: deductibles/coinsurance, prescriptions drugs, rehabilitation, extended hospital stays, experimental therapy and unexpected expenses.

GOOD NEWS

Cancer Survival rates are increasing every year for all cancer types combined.

  • By 2020 the number of cancer survivors is predicted to increase by 31%.
  • Survival rate of children with cancer is about 80%.
  • Almost 8 million American’s are still alive who have had a stroke.
  • 85% of people who have a heart attack will survive.

Final Expense Whole Life Insurance

This policy can be purchased for anyone ages 45-89 to pay off debt, out of packet health care bills and/or funeral expenses.

Choices for Retirees. Savings for employers.

As an employer, you are always looking for ways to benefit your retirees while remaining cost-efficient and fiscally responsible. Retiree health care benefits are no exception, and it’s nice to know that you have choices.

The benefits and premiums for these plans vary based on the plan option selected.

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