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Our Services ****
Greening Financial Services, the company that cares, represents many of the top, well known, and most reputable companies in the country. We take great pride in providing quality service for our customers, and believe in the companies that we represent. Because we represent so many great companies, we are able to seek out the best coverage at the best price, to fit your families needs.
We specialize in Individual, Family, Student, Travel, and Group Health Insurance. However, our agents are also experienced and licensed to provide services as indicated below. Also, see "Our Staff" page which indicates their expertise.
Companies that we represent are as follows:
AARP, Aetna, AFLAC, AIG Annuity, Allianz, Allied, American Champion, American Continental, American Dental Alliance Plans, Inc., American Equity, American Investors Annuity, American National, ANTEX (American National Life Insurance Company of Texas), Amerus, Assetcare, Assurant, Assurity Life Insurance Company, Blue Cross/Blue Shield of Kansas City, Blue Cross/Blue Shield Long Term Care of Kansas City, Care Improvement Plus, Conseco, Continental Life, Coventry Health Care, Coventry Advantra, Ever Care, Fidelity and Guarantee Annuity, Fortis, Genworth Financial, Golden Rule, Humana, ING Northern, ING Reliastar, ING USG, Jefferson Pilot Annuity, John Alden, John Hancock, Kansas City Life, Lafayette Life & Annuity, Loyal, Monumental, Mutual of Omaha National Western, North American, Pacificare, Pan American, Prudential, Pyramid, Security-Connecticut, Southland Life, Star Mark, Sterling Life, Today's Option, United American, United Healthcare, United World, Zurich Life.
Please click on the following for information about our services:
Note: Portions of the following are under construction. Please check with our staff about any questions while this is under construction. Greening Financial Services, is not responsible for its content until then.
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Telecommunications Marketing
Additional Services Provided Include:
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HSAs & HRAs-Health Savings Accounts
AFLAC
(American Family Life Assurance Company of
Columbus)
AFLAC, a leader in
supplemental insurance, provides quality supplemental insurance for both
individuals and groups, at a very reasonable cost. AFLAC, is also
the insurance industry leader in cafeteria plan services.
AFLAC Plans Include:
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Accident / Disability
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Short-Term Disability / Individual Short-Term Disability
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Cancer / Limited Benefit Health Insurance / Specified Disease
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Hospital Indemnity
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Intensive Care
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Specified Health Event
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Life
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Long-Term Care
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Dental / Supplemental Dental Insurance / Limited Benefit Period (Limited Benefit Dental)
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Personal Sickness Indemnity Plan
Annuities have been around for over a hundred years, provide more features than virtually any other investment. These traits include: security of your investment, safety of the industry, financial clout, the use of outside rating services, tax deferred growth, tax free exchanges, performance, professional management, no commission charge to the client, withdrawal options, a guaranteed death benefit, and avoidance of probate.
Greening Financial Services, DOES NOT SELL VARIABLE ANNUITIES, because of the potential for loss in the stock market. We only sell safe and secure Equity Indexed Annuities.
Click here for Annuity Terms
Long term and Short Term Disability, we offer the three best, Assurity, Pan American and AFLAC.
HSAs/HRAs-Health Savings Accounts
While these plans are not for everyone, they can result in a substantial savings in premium, as well as significant tax benefit, these plans are available for individual, family and group coverage. The carriers that we use are: Blue Cross and Blue Shield of Kansas City, Coventry Health Care of Kansas, Fortis Health Insurance, Golden Rule, and John Alden
We specialize in Term Life Insurance, it is our opinion along with that of such notable financial adviser as Suzy Oraham that term life insurance is the best value for the dollar. Our carriers are: Trans America, North American, MET Life, Lafayette Life, Zurich. Please contact us for quotes.
Greening Financial Services, Small Group Health Insurance program offers coverage to small groups. We are licensed in many states. However, we specialize in Missouri and Kansas health care laws and procedures. Since we are brokers, we represent all the major health insurance companies in the area. We will provide you with the best plan to fit your companies needs and budget. Based upon company needs, we will provide quotes from the top insurance companies in your area. We will also provide quotes for several plans within these companies. In many cases, this process, along with our experience, has saved our clients a considerable amount on their premiums from previous plans.
Questions and Answers: (Q&A)
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Can I or anyone in my family be turned down by the insurance company for my companies group insurance?
Answer: Once you are hired by a company offering group insurance, and have met the required waiting period and required weekly hours of work qualifying you as a full time employee, you can not be turned down by the insurance company for any reason.
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Will group insurance pay for my pre-existing health conditions?
Answer: Yes, see question (1) above.
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If I leave my company, am I entitled for COBRA insurance?
Answer: Yes, your company should offer you COBRA insurance within 30 days after termination. You have approximately 63 days to accept COBRA insurance. Additionally, in Kansas, the Kansas Continuation is available to certain size groups.
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Is COBRA insurance expensive?
Answer: In most cases buying COBRA insurance is the worst decision you can make about the cost of insurance. Not only will you pay your portion, but you will pay the portion once paid by your employer. Additionally, if you develop a significant condition, like Diabetes, Crones Disease, Irritable Bowl, you may find yourself unable to purchase individual health insurance in the market place. Since individual plans are not required to accept you when coming off of group. Please contact us at (913) 338-7196 or (816) 333-7132
Individual, Family, Student & Travel Health Insurance
Greening Financial Services, specializes in Individual, Family, Student and Travel Health Insurance. We are licensed in many states. However, we specialize in Missouri and Kansas health care laws and procedures. Since we are brokers, we represent all the major health insurance companies in the area. We will provide you with the best plan to fit your needs and budget. Based upon your needs, we will provide quotes from at least four of the top insurance companies in your area. We will also provide quotes for several plans within these companies. In many cases, this process, along with our experience, has saved our clients a considerable amount on their premiums from previous plans.
Questions and Answers: (Q&A)
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If I am turned down by one insurance company will this hurt my chances to get insurance with another company?
Answer: It can, if not properly handled by your agent or broker. Medical information is kept on a shared data base in Boston, MA. It is called the Medical Insurance Bureau, which is accessible to all insurance companies. To avoid this potential problem, never try to get insurance without the aid of a professional.
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Can I apply at several insurance company at the same time?
Answer: Yes. We can help you with this process. -
Can I apply for health insurance, but withdraw my application if it looks like I will be rejected, so it does not show up on my records with the Medical Insurance Bureau?
Answer: Yes. You will need the assistance of an agent or broker who is experienced in this procedure, one who has a good relationship with the underwriting department within the insurance company.
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What is the Medical Insurance Bureau and why should I be concerned about it?
Answer: Medical Insurance Bureau is a depository of information provided by Insurance Companies about the health issues of their clients or prospective clients. Other Insurance Companies have access to this information. If you have been turned down for insurance, or have medical problems, this information can be found on the Medical Insurance Bureau's data base.
The Medical Insurance Bureau address is:Medical Insurance Bureau
P.O. Box 105
Boston, MA 02112
(617) 426-3660
Click here to go to:
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Is Individual Medical Insurance more expensive than Group Insurance?
Answer: In most cases it is cheaper than a group plan. However, certain health conditions can be ridered or rated.
Supplemental Health Insurance - Dental
Greening Financial Services, specializes in Individual, Family, Student, Travel, and Small Group Health Insurance. However, we have staff on hand who can help you meet these needs. We can provide quotes from most of the top insurance companies. Please see our "Contact Us" page for the staff member who is licensed and experienced in this area.
Greening Financial Services,
works closely with and recommends the following companies for dental insurance.
AFLAC (see our information above or our links page).
American Dental Alliance Plans, Inc. (see our links page).
Supplemental Health Insurance - Accident
Greening Financial Services, specializes in Individual, Family, Student ,Travel, and Small Group Health Insurance. However, we have staff on hand who can help you meet these needs. We can provide quotes from most of the top insurance companies. Please see our "Contact Us" page for the staff member who is licensed and experienced in this area.
Greening Financial Services,
works closely with and recommends the following companies for accident
insurance.
AFLAC (see our information above or our links page).
Supplemental Health Insurance - Cancer
Greening Financial Services, specializes in Individual, Family, Student, Travel, and Small Group Health Insurance. However, we have staff on hand who can help you meet these needs. We can provide quotes from most of the top insurance companies. Please see our "Contact Us" page for the staff member who is licensed and experienced in this area.
Greening Financial Services,
works closely with and recommends the following companies for cancer insurance.
AFLAC (see our information above or our links page).
Greening Financial Services, specializes in Individual, Family, Student, Travel, and Small Group Health Insurance. However, we have staff on hand who can help you meet these needs. We can provide quotes from most of the top insurance companies. Please see our "Contact Us" page for the staff member who is licensed and experienced in this area.
We use the following excellent carries: Blue Cross Blue Shield of Kansas City/GE Capital, Alianz, John Hancock, and Trans America.
Facts:
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Over 50% of all Americans will need long term care in their lifetime. (Americans for LTC Security, August 1999).
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For a couple turning 65, there is a 75% chance that one of them will need long term care. (The Wall Street Journal, June 2000).
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Family caregivers provide 80% of long term care; institutions such as nursing homes provide only 20%. (ALS Association, 1999).
What Is The Cost Of Care?
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Cost vary by location.
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Nursing homes: $44,895 per year, national average. (Life Plans, Inc., 2000 National Claimant study).
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Assisted living facilities: $12,000 to $36,000 per year (NCAL/AHCA, Survey of Assisted Living Facilities, 1996).
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Home health care aide: $12.00 to $24.00 per hour. (Kiplinger's Retirement Report, Hourly Cost of Home-Care Help, January 2000).
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Depending on where you live, long term care can cost anywhere from $40,000 to $100,000 annually and the cost is projected to triple over the next 20 years. (Financial Planning, September 2000).
The Facts About Medicare
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Medicare's skilled nursing facility (SNF) benefit does not cover most nursing home care.
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Medicare does not cover homemaker services.
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Medicare does not pay for home health aides to give personal care unless you are homebound and are also getting skilled care such as nursing or therapy.
The Facts About Medicaid
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Medicaid is jointly-funded. Federal-State health insurance program for certain low-income and needy people.
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You may have to spend down or use up most of your assets on your health care before Medicaid is able to help.
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State laws differ about how much money and assets you can keep and be eligible for Medicaid.
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Nursing Facilities only reserve a limited number of beds for Medicaid recipients.
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Updated On
07/28/2008
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