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It’s important to know the differences between job-specific disability coverage and general disability income insurance. If you specialize in a certain field, you can get a disability plan for your own occupation. Take for instance a veterinarian, who works exclusively with horses; they may want to take out a disability income […]

The Difference Between Own-Occupation and General Disability Income Insurance

 in Health  tagged aca / Disability Insurance / supplemental medical plans by
Simplified-issue disability income insurance is as it sounds. Meaning, a person doesn’t have to go through stringent underwriting for health and finances. To get the plan, an individual simply answers a few questions. Then, based on the answers to those questions, the insurer either will issue them a policy or they won’t. […]

Simplified-Issue Disability Income Insurance

 in Health  tagged Disability Insurance / health insurance basics / supplemental medical plans by
Types of Individual Disability Income Insurance Health Insurance Type: Accident-Only Plans When looking for disability income insurance, several options are available on the individual side. First, there’s accident-only coverage, meaning this health insurance type will pay for disabilities caused by accidents. It will not, however, cover disabilities caused by illnesses […]

Health Insurance Type(s) – Disability Income Insurance

 in Health  tagged aca / chronic pain / family health / health trends by
Disability income insurance, or DI insurance, ensures people maintain an income if they lose their ability to work. There are several vehicles in which to obtain disability income insurance. For instance, disability income is often a component of group insurance. Through an employer, you can get long-term disability income, which can see you through […]

Health Insurance Type(s) – Group Disability Income Insurance

 in Health  tagged aca / Dependents / family health / Wellness by
Discount Dental Insurance Plan If you’re looking to purchase a dental plan on the individual market, then you should know about the four main types of dental plans. First, there’s the discount dental plan. With this type of plan, there is a network of providers. Technically, it’s not real insurance. […]

Know What Type of Dental Plan is Right for You

 in Dental / Health  tagged dental health / dental insurance / long term medical plans / Wellness by
In 2014, when the Affordable Care Act (ACA) went into full effect, individuals had six months to enroll. Then, the following year, people only had three months; however, the government ended up extending the open enrollment deadline. That year, they also assisted people during the tax season who didn’t know or understand why they were […]

CMS Shortens OEP for The 2018 Insurance Plan Year

 in Health  tagged aca / CMS / oep / open enrollment period by
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The Centers for Medicare and Medicaid Services (CMS) have included in their recent ruling an incentive to maintain continuous coverage. They’re incentivizing individuals to keep their policy, or rather they’re penalizing people for dropping coverage. If someone goes a few months without coverage, then they’re going to have to pay more […]

Per CMS ruling, Individuals Must Maintain Continuous Coverage

 in Health  tagged aca / CMS / COBRA / health insurance basics by
The Centers for Medicare and Medicaid Services (CMS) came out with some final stabilization rules. One component of the ruling now makes it more difficult to qualify for a special enrollment period (SEP). Essentially, an SEP enables people, who couldn’t get coverage or lost coverage outside of open enrollment, to enroll in a […]

CMS Requires Qualifying Documentation for Special Enrollment Periods (SEP)

 in Health  tagged aca / CMS / healthcare news / SEP by