Millennials find themselves in the stage of life that may require them to purchase their own insurance. After having aged out of their parent’s insurance coverage and buying or renting a place to live, coverage needs may not be as black and white as one might think. Knowing these five tips will help […]
Beware anything that looks too good to be true! Yes, your parents were actually right on this one. Insurance is just math. If it’s cheaper, there is a reason. I have found that most of the time those reasons look like limits on care. For example, many “cheaper” policies limit cancer coverage to $500,000. […]
Know your max liability So many times, people get hung up on getting a lower deductible and having copays for something to be considered a “good” plan. However, most Americans miss the absolute most important thing in their health insurance documents: The Out-of-Pocket Maximum. This is the most you would pay in one calendar […]
Courtesy of the CDC
We are excited to offer Engage Wellness to enhance health insurance plans you are already offering. Engage Wellness is a great way for businesses with group health plans to save money through tax savings while gaining healthier employees through benefits like: Direct Primary Care Telemedicine Care Management Supplemental Benefits Personal Health Dashboard Employee […]
I quit my job in the fall of 2009. The next week my daughter and I contracted H1N1. I spent the first actual week of ‘self-employment’ (it was unemployment at that point, let’s be honest!) in quarantine for a pandemic in the middle of the worst recession our country had ever seen. Sound familiar? I […]
If you lose your job you need to act fast to get the insurance figured out. There are multiple options for people who have recently lost insurance, but you only have 60 days to enroll through the federal exchange. COBRA may not be the only option and you may even qualify for Medicaid. Let us […]
There are two basic types of plans. Traditional plans, which often have low copayments for regular visits, and High Deductible health plans. Traditional plans are what many people used before healthcare reform. They had copayments (a small amount due at the time of service) for regular Dr. visits and medications. They have a deductible and […]
If you missed the Open Enrollment period and have had a “life” event, read on. Did you know that certain life changes may qualify you to enroll in health insurance coverage outside of the standard enrollment period? Did you or anyone in your household lose qualifying health coverage in the last 60 days? If so, […]
Do you always go to the same pediatrician? Is your nearest hospital your favorite? Make a list of all the providers you have seen over the last year, and add in any others that you plan to see in the next year. Either you, or your agent, will want to run this list through any […]
