Retirement is a time of change, most are wonderful but some may create a level of anxiety. Health and related benefits which you probably didn’t think too much about while you were working may be lost in retirement, and you will be faced with the task of deciding which are important, and figuring out how you can secure those you don’t want to go without as you move to the next life phase.

Typical working benefits likely included medical, dental, short-term disability, and some level of life insurance coverage. In some cases, voluntary benefits like accident, critical illness, cancer, and other types of voluntary coverage may have also been offered. So now in retirement some questions are………which benefits do you want to continue, are they portable, are other better/cheaper alternatives available; and maybe you have other considerations which need to be addressed like long-term-care, estate taxes, etc.

At LBA what we really deliver is “Peace of Mind”. Our highly trained and compassionate team will help you understand your needs, risks, and opportunities, and from there help you rebuild your portfolio. No-cost one-on-one meetings where numerous questions about your health, lifestyle, and budget, will help us together restore and rebuild what you want and need until your own comfort level is achieved. Whether it be medical, dental, life insurance, long term care, telemedicine, voluntary coverage, medical alert systems, etc., we will sweat the details so you don’t have to.

Dental

LBA has contracted with one of the State’s premier dental carriers to create retiree dental plan options for many RI Union retirees and other subset groups. The benefits are excellent, the provider list is very comprehensive, and the rates are affordable. Contact LBA for details.

Not a member?  No problem.  LBA offers comprehensive, affordable dental insurance to individuals and families. 

Its Covered:

• Exams, cleanings, x-rays, fluoride treatments
• Fillings, extractions, sealants
• Oral surgery, endodontics, periodontics, dentures, crowns, bridges, onlays, implants, anesthesia

Multiple Plan options available to individuals with annual maximums of $1500, $3000, and even $5000!  

There are no age limits and no underwriting!

Telemedicine

Telemedicine offers you 24/7/365 telephonic access to board-certified, licensed physicians who can prescribe medications as necessary. This provides members with easy and convenient access to physicians without the need to take time out of your busy schedule, and helps you avoid unnecessary visits to your Primary Care, the Urgent Center, or Emergency Room.

Telemedicine is not intended to address every medical situation. Rather, it provides a convenient and inexpensive alternative to Emergency Rooms, non-critical urgent-care, or even primary care provider visits. It is particularly suitable for diagnosis and treatment of common ailments, such as:

• Allergies
• Bronchitis
• Cold/Flu symptoms
• Cough
• Ear Infections
• Headaches/Migraines
• Insect Bits
• Minor Burns
• Nasal Congestion
• Pink Eye
• Respiratory Infections
• Sinus Infections
• Sore Throat
• Stomach Ache/Diarrhea
• Urinary Tract Infections

To understand and appreciate the value of telemedicine consider these two points:

• Numerous conservative studies say that the average savings each time a telephonic consult replaces an ER, Urgent Care, or PCP visit is over $500. 
• The American Medical Association says that 78% of ER, Urgent Care, and PCP visits could have been handled over the phone.

Telemedicine plan designs vary, and selecting the right model is important. LBA offers best-in-class coverage that features:

• 24/7/365 access
• $0 copay for your call!
• Accessible from anywhere in the country
• Call back times of 20 minutes or less
• Contact with a board certified licensed physician in the state where you are 
• Prescriptions needed should be available regardless of the method of access

Most experts now agree that a comprehensive telemedicine plan is an essential component in your health benefit arsenal.