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Hours of Operation: Monday – Friday, 9:00 AM – 5:00 PM MT
TPMO Disclaimer: We do not offer every plan available in your area. Currently we represent 8 organizations which offer 45 products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.
Not affiliated with or endorsed by the government or the federal Medicare program.
Ark Insurance Solutions is a licensed and certified representative of Medicare Advantage organizations and stand-alone prescription drug plans. Each organization has a Medicare contract. Enrollment depends on contract renewal.
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2018 Health Savings Accounts Limits Are Set
/by Rebecca YatesThe IRS recently published the inflation adjusted limits for the 2018 Health Savings Accounts (HSA). Deposits made to an HSA are tax free; contributions grow within the account tax free; and distributions are tax free as long as the money is used for out-of-pocket health care expenses, including deductibles.
Here are the new limits:
Source: IRS
Small business owners are voicing their opinions on the President’s ideas to repeal and replace the Affordable Care Act.
/by Rebecca YatesWhen 1,000 small business owners were recently survived, 53.1 percent are against the health care bill passed by the House, while only 13 percent support it.
An impartial position of 34 percent was reported while a large majority of 60.4 percent do not think the bill would have a negative effect on their small business. Almost all agreed at 92.5 percent that insurance companies should provide coverage to people with pre-existing conditions.
At 72 percent, most small business owners agreed that expanding access to health care is most important over reducing taxes and decreasing the federal debt.
Sources: BenefitsPro.com, Fit Small Business
Understanding Mini-Medical Plans
/by Rebecca YatesMany industries or small sized employer groups utilize a mini-medical plan, such as restaurants, hotels, maid services, catering services, etc. These limited benefit plans pay for covered services at an affordable premium for both the employees and the employers. But keep in mind, they cost less, so they cover less, and most likely will not protect you from a bankruptcy situation for any catastrophic medical care.
Mini-medical plans provide a basic level of coverage for people who do not have access to a major medical plan or traditional coverage.
Some large employers have a class of employees who are ineligible for their companies traditional health insurance plan for a variety of reasons. For instance, they may be only seasonal or part-time employees. Being able to offer them a mini-medical plan helps to boast employee moral and increases retention.
Mini-medical plans are not meant to replace major medical plans, but to fill a specific niche and provide some medical coverage for those who may not qualify otherwise.