Welcome to Insurance Benefits Services Agents Learning Center

Aloha Agents,

Welcome to our Agents Learning Center.

This Secure Area is designed to keep you informed of up coming events and exciting new developments that are coming together for our company. We will be here to support and train you to become an expert in the field of Health Insurance. Our industry and our customer base is expanding each and every year, or I should really say each and everyday when someone turns 65.

Your upcoming clients, the Baby Boomers born from 1946 and 1964. In 2007, that would make them between 43 and 61 years old. In 2011, the first group of baby boomers will reach the age of 65. Some will begin claiming early retirement in just three years.There are roughly about 77 million boomers in the U.S. They currently represent about 29% of the U.S. population. Consider the outlook. From 2005 to 2030, the 65-and-over population will nearly double to 71 million; its share of the population will rise to 20 percent from 12 percent.

Hawaii’s elderly population is growing, and is growing much faster than the nation as a whole.

Consider:

• Residents 60 and older comprised 16% of our population in 1990. By 2020, the number of residents 60+ will have doubled over 1990, to represent 25% of the population.
• The population 65 and older (those eligible for Social Security and Medicare) will more than double in number. They comprised 11% of the total population in 1990, but will account for 18% in 2020. If military personnel and their dependents are excluded from the projections, the population 65 and older will account for 20% of the state’s population in 2020.
• Residents 85 and older (those most in need of institutional, community, and in-home services due to high levels of disability, both mental and physical) comprised 1% of our total population in 1990. By 2020, the number of residents 85+ will have more than tripled, to represent 2.6% of the total population.

Medicare Advantage Program 25 Years in Existence

Congress passed the Tax Equity and Fiscal Responsibility Act of 1982 + The Balanced Budget Act of 1997 created the Medicare+Choice program + Modernization Act of 2003 = Medicare Advantage

Congress passed the Tax Equity and Fiscal Responsibility Act of 1982 and created incentives for more beneficiaries to choose HMOs over traditional fee-for-service Medicare. The government offered to pay participating HMOs on a risk basis at 95 percent of the average Medicare per capita fee-for-service costs in their respective counties.

All of our Health Insurance Carriers are ranked at the Top or our Industry.

• Secure Horizons AARP
• Humana
• HealthNet
• Coventry