Craig J. Sirianni
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Term Life Insurance Glossary
Accidental Death Benefit: An extra death benefit amount that is paid out in addition to the face amount of the policy if the insured dies by accidental means. It cost extra to get this benefit, and u...Read More
Permanent Life Insurance
Permanent life insurance provides lifelong protection and is known by a variety of names. These policies are designed and priced for you to keep over a long period of time. If you don't intend to keep...Read More
Introduction to Medicare
The Medicare Program Medicare is a health insurance program for: People age 65 or older. People under age 65 with certain disabilities. People with End-Stage Renal Disease (permanent kidney fail...Read More
Medicare Advantage Plans are health plan options that are approved by Medicare but run by private companies. They are part of the Medicare Program, and sometimes called "Part C." When you join a Medic...Read More
Medicare Part A
Part A is Hospital Insurance and covers cost associated with confinement in a hospital or skilled nursing facility. (see Medicare Part A) ...Read More
Medicare Part B
Part B is Medical Insurance and covers physicians services, outpatient care, test, and supplies. (see Medicare Part B) ...Read More
Medicare Part D
Medicare started offering insurance coverage for prescription drugs through Medicare prescriptions drug plans and other health plan options. Medicare's prescription drug coverage will typically pay ov...Read More
Medigap is Medicare Supplement Insurance that helps fill "gaps" in Original Medicare and is sold by private companies. Original Medicare pays for much, but not all, of the cost for covered health care...Read More
Introduction to Health Insurance
Why Do You Need Health Insurance? Today, health care costs are high, and getting higher. Who will pay your bills if you have a serious accident or a major illness? You buy health insurance for the sa...Read More
Implementing A Cafeteria Plan
Internal Revenue Code 125 allows an employer to implement an employee benefit plan which allows employees to se1ect the benefit programs they prefer. The plan offers two or more options and the emplo...Read More
If you’re looking for health insurance that’s low cost or no cost to you, you’ve come to the right place. At UnitedHealthcare, we look forward to helping you get the health insurance you may need.Find a Provider