Did you know? Each year, changes are made to Medicare health insurance and what the plans will cover. If you don’t shop your Medicare policies during Open Enrollment, you may end up paying a larger out of pocket cost than necessary on such things as: prescription drugs, office visit co-pays, hospital bills, Read more
Are you aware of the important Medicare changes that will be effective January 1, 2020? It’s important to understand what these changes are and how they will impact your coverage. Let’s take a closer look at the details so you know what to expect. Read more
Sure, you could easily attract and retain a veritable dream team for your company if you could somehow offer the best health care benefits package in your marketplace. But with the rising cost of health insurance, even providing basic coverage can be a stretch for most companies. In order to provide an attractive insurance protection plan for your employees, while still complying with the requirements of health care reform, many employers are considering Read more
Medicare is a federal health insurance program that pays for various health care expenses. It’s a plan that’s typically available for people who are at least age 65, adults with certain approved medical conditions, and those with qualifying permanent disabilities. Medicare is similar to Social Security, in that it is an entitlement program that most U.S. Citizens earn the right to by working and paying their taxes for a minimum required time period.
Read more
We have received a lot of calls from people that have questions about what will happen in regards to obtaining health insurance now that the Open Enrollment period for Affordable Care Act has ended…even from other health insurance agents…so I thought it would be a good idea to remind you what options there are after open enrollment.
Read more
The Internal Revenue Service (IRS) has announced the 2014 contribution limits, deductible minimums and out-of-pocket maximums for health savings accounts (HSAs) and high-deductible health plans (HDHPs). An HDHP must have a deductible of at least $1,250 for individual coverage and …
Read more
You’ve probably heard it many times from a financial advisor, or someone else, talking about building wealth by ‘using someone else’s money whenever possible’. This is a true statement if you are looking to maximize your time, effort, and return …
Read more
Last week was a busy one for some of the health insurance carriers: 1- United Healthcare announced a 5.3% reduction in their PPO rates effective Nov. 1st for 2-50 sized groups. 2- Humana announced a 5% reduction in their NPOS rates …
Read more
Far to often when I am talking to someone about the benefits of their health insurance, and we get to the Emergency coverage options, I’m surprised they don’t know the differences between an Emergency Room and Urgent Care Center. Reality …
Read more
From an FTC Consumer Alert- Back to school – an annual ritual that includes buying new notebooks, packing lunches, coordinating transportation, and filling out forms: registration forms, health forms, permission slips, and emergency contact forms, to name a few. Many school …
Read more