50 THE QUEENS COURIER • NOVEMBER 2, 2017 FOR BREAKING NEWS VISIT WWW.QNS.COM
A new kind of life insurance for those living with diabetes
For people living with diabetes, the condition
Be a smart shopper while choosing your Medicare plan
It’s always a good idea to shop around.
Cost is an important factor in any purchase,
especially when it comes to health
insurance, but it’s not the only thing to
Th ere may be dozens of Medicare plans
in your area, all with diff erent costs and
levels of coverage. How much are each
plan’s premiums and deductibles? How
much will you pay for the benefi ts and
services you’re likely to use? Is there a
limit on what you’ll have to pay out-ofpocket
for the year? If you’re currently in
a plan, how does that plan compare to the
other plans that are available? Th inking
about these things will help you make a
smart choice to get good value that meets
your personal health care needs.
Prescription drug coverage is another
thing to consider. Does your health
plan include coverage for prescription
drugs? Or will you need to fi nd a separate
Medicare Part D plan for drug coverage?
How much will your prescriptions cost
under each plan? Does the plan cover the
drugs you take?
Remember, everyone who reaches the
Part D coverage gap (or “donut hole”) will
benefi t from a discount of 65% on covered
Only you can determine what mix of
benefi ts and costs will work best with
your needs and budget, but we can help.
Th e Medicare Plan Finder makes it easy
to compare plans so you can pick a plan
that’s right for you. Aft er you’ve narrowed
your options, call the plans you’re
interested in to get more details about
their benefi ts and services, or check out
You have until Dec. 7 to review, compare
and join a 2018 plan.
From the Medicare blog,
is a part of their everyday life and one
that impacts many of their decisions, from
balancing what they eat to taking care of
their health. One area that might not be top
of mind for people living with diabetes is life
insurance. Th at’s because many people with
diabetes believe they won’t be able to get life
insurance if they have the condition.
Research shows that nearly 50 percent
of people with diabetes are worried they
will not qualify for a life insurance policy
and another 45 percent assume it’s too
expensive, according to a recent survey
commissioned by John Hancock.1 And
it’s even higher among younger people,
with 68 percent of people ages 25-34 worried
they won’t qualify.
Dispelling the common myth
According to the Centers for Disease
Control and Prevention (CDC), 9.4 percent
of the U.S. population has diabetes.2
Th is equates to roughly 30 million people.
In addition, another 33.9 percent (84 million)
has pre-diabetes. While people with
diabetes recognize the many benefi ts life
insurance can off er - like providing for
your family, covering fi nal expenses, and
off ering peace of mind - there’s a lot of
confusion about the topic and a concern
that having diabetes will bar them from
getting life insurance.
In reality, more than 90 percent of all
the people with diabetes who sought life
insurance in the past 18 months qualifi ed
with John Hancock. In addition, 88 percent
of those applicants received a standard
or better premium quote.
A new kind of life insurance
If you are living with diabetes and
you haven’t thought about life insurance
recently, it’s worth taking a look.
John Hancock life insurance with Vitality
rewards customers for the smarter choices
they make every day to improve their
health - exercising regularly, eating well
and visiting the doctor - things many
people, including those with diabetes, are
already encouraged to do. Policyholders
can earn valuable rewards, including an
Apple Watch® Series 3 for $25, plus tax,
by exercising regularly,3 $600 in annual
savings on healthy food purchases,4 and
savings of up to 15 percent on their annual
life insurance premiums. It doesn’t
require completely changing your habits
overnight - small, healthy choices can
make a big diff erence over time.
Getting your questions
If you have diabetes and you are without
a life insurance policy, you probably
have questions. Th e good news is you’re
not alone. Only one third of those with
diabetes report they consider themselves
knowledgeable about life insurance. Th e
most common questions among those who
• How much life insurance will I need?
• Will I need a medical exam to get life
• Can I aff ord a life insurance policy?
To help you fi nd the answers to these
questions, you can speak with one of John
Hancock’s Coverage Coaches at 844-235-
3002, or visit www.JohnHancockInsurance.
com/ADA. Life insurance is an important
way to help protect your loved ones, and
now your policy can do more by rewarding
you for healthy living.
1. Th is nationwide survey was conducted
online by Qualtrics on behalf of John
2. CDC. National Diabetes Statistical
Report, 2107. CDC. National Diabetes
Statistical Report, 2107.https://www.cdc.
3. You can order Apple Watch Series 3
(GPS) for an initial payment of $25 plus
tax and over the next two years, monthly
payments are based on the number of
workouts completed. Upgrade fees apply if
you choose Apple Watch Series 3 (GPS +
Cellular), certain bands and case materials.
A Retail Installment Agreement with the
Vitality Group will need to be signed electronically
at checkout. Apple Watch Series
3 (GPS) requires an iPhone 5s or later with
iOS 11 or later. Apple Watch Series 3 (GPS
+ Cellular) requires an iPhone 6 or later
with iOS 11 or later.
Apple Watch Series 3 (GPS + Cellular)
and iPhone service provider must be the
same. Cellular is not available with all
service providers. Roaming is not available
outside your carrier network coverage
area. Wireless service plan required for
cellular service. Contact your service provider
for more details. Check www.apple.
com/watch/cellular for participating wireless
carriers and eligibility.
Apple is not a participant in or sponsor
of this promotion. Apple Watch program
is not available in New York.
4. HealthyFood savings are based on
qualifying purchases and may vary based
on the terms of the John Hancock Vitality
Insurance policies and/or associated riders
and features may not be available in
Vitality is the provider of the John
Hancock Vitality Program in connection
with policies issued by John Hancock. John
Hancock Vitality Program rewards and
discounts are only available to the person
insured under the eligible life insurance
policy. Rewards and discounts are subject
to change and are not guaranteed to
remain the same for the life of the policy.
Premium savings are in comparison to
the same John Hancock policy without
the Vitality program. Annual premium
savings will vary based upon policy type,
the terms of the policy, and the level of
the insured’s participation in the John
Hancock Vitality Program.
Insurance products are issued by
John Hancock Life Insurance Company
(U.S.A.), Boston, MA 02210 (not licensed
in New York) and John Hancock Life
Insurance Company of New York, Valhalla,