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your insurance agent — Insurance agents act as the middleman between the insurance provider and yourself. Their number one priority is making sure that you get everything you need in your policy. In case you didn’t know, here is a list of ways your insurance agent can help you. Determine Coverage Needs Your agent’s […]

How Your Insurance Agent Can Help You

March 15, 2021 in Health / life / Medicare tagged health insurance basics / healthcare providers / provider tips by Kayla Gonzalez

Check out the difference between guaranteed issue and simplified issue policies and see if either of these options is right for you! — You have likely heard the terms guaranteed and simplified issue in the past, but you may not fully understand the differences between the two. When learning about the different underwriting processes, it is easy to get overwhelmed with too much information, so it is important to break the info down […]

Guaranteed Issue and Simplified Issue Policies

February 14, 2021 in Health / life / Medicare tagged Final Expenses / health insurance basics / insurance and finances / Life Insurance / pre-existing conditions by Macee Hall

During this time of new beginnings, make sure to assess whether your current life insurance policy meets your needs or if it’s time for a life insurance review. — It’s officially 2021! With one year ending and another one beginning, you may be remembering the recent changes you have faced and considering what additional changes may be coming soon. Changes like growing your family, buying a home, or changing your career may leave your current life insurance policy looking […]

New Beginnings: Life Changes that Call for an Insurance Review

January 2, 2021 in life tagged family health / health insurance basics / Life Insurance by Macee Hall

Individual coverage health reimbursement arrangement, or ICHRA, is an alternative to group health plans for small businesses. This arrangement allocates $100 a month per employee that companies put toward individual coverage on the open insurance market. They can either be used to pay insurance premiums or cost-sharing to get the […]

An Alternative to Group Health Plans for Small Businesses

December 14, 2020 in Health tagged aca / group plans / health insurance basics / insurance and finances / insurance and government by Jeffrey Cooperstein

Be sure to ask these important questions about health insurance when searching for a new plan! — Looking for new health insurance coverage for 2021? Open enrollment is open until December 15! Be sure to ask these important questions about health insurance when searching for a new plan! What kind of plan is it? Typical health insurance is for those under age 65 who make over 138 […]

Questions About Health Insurance: What to Ask When Looking for ...

December 4, 2020 in Health / Medicare tagged aca / health insurance basics / medicaid / medicare / oep by Macee Hall

Ancillary benefits are a secondary type of health plan that cover medical services traditional ACA plans do not. — Ancillary benefits are a secondary type of health plan that covers medical services traditional ACA plans do not. These plans range from dental and vision insurance to hospital indemnities and critical illness coverage. Ancillary benefits can also cover various hospital expenses, like ambulance transport, blood transfusions, and medical supplies used. […]

How do I buy ancillary benefits?

October 18, 2020 in Health / Medicare tagged ancillary benefits / dental insurance / health insurance basics / vision insurance by Macee Hall

A large group of people watches the sun set over the ocean. Thanks to their state's Medicaid expansion. — On August 4, Missouri voters approved a statewide Medicaid expansion in line with the Affordable Care Act (ACA) guidelines. Missouri is the 38th state to pass Medicaid expansion legislation. Under the ACA, individuals under the age of 65 whose family income falls below 133 percent of the Federal Poverty Line […]

Medicaid Expansion Legislation Passed in 38 States

August 22, 2020 in Health tagged health insurance basics / medicaid / open enrollment period by Macee Hall

Short Term health insurance vs aca health insurance — Whether you are looking into purchasing health insurance for the first time or switching policies, navigating the landscape with all the changes in the last 10 years can be confusing. Two options you may have come across are short-term health insurance and ACA health insurance options, but what are the […]

Short-Term Health Insurance Vs ACA Health Insurance

August 15, 2020 in Health tagged aca / health insurance basics / short term medical plans by Joe Manichia

Total enrollments through the ACA Exchange is up slightly according to an Early 2020 Effectuated Enrollment Report released by Centers for Medicare and Medicaid Services. 10.7 million Americans on the ACA Exchange paid premiums as of March 15 – an increase of a little over 100,000 from 10.6 million the […]

Enrollments For ACA Exchange Is Up

August 7, 2020 in Health tagged health insurance basics / healthcare news / healthcare providers / provider tips by Jadon Sennet

The IRS announced last month that it is allowing employees to change their healthcare benefits mid-year, compared to waiting until the open enrollment season. These new guidelines allow employees to change health plans while signing up for a plan that they might have previously waived. The guidelines also allow alterations […]

Americans Able To Change Health Benefits According to New IRS ...

June 12, 2020 in Health tagged covid-19 / health insurance basics / insurance industry changes / open enrollment period by Jadon Sennet