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COBRA — The Consolidated Omnibus Reconciliation Act (COBRA) allows employees to remain under their employer-sponsored health plan in the event that they leave the job or have reduced hours that do not let them qualify for the coverage. Employers with more than 50 full-time employees are required to offer health insurance and […]

COBRA Explained

April 21, 2021 in Health / life / Medicare tagged COBRA / group plans / health insurance basics by Kayla Gonzalez

group and individual health insurance — Differences Between Group and Individual Health Insurance In the past, having health insurance through your job was the way to go. However, there have been certain changes in the landscape of the health care world that have shifted that mindset. Employers are now having to cut the number of benefits […]

Differences Between Group and Individual Health Insurance

April 3, 2021 in Health / life / Medicare tagged group plans / health insurance basics / insurance and finances / understanding aca/obamacare by Kayla Gonzalez

history of insurance — A Look into the History of Insurance in the US Some things have felt like they always existed, insurance being one of them. However, just like all things, it had to have its start somewhere. We will be taking a look into the history of insurance in the United States. […]

A Look Into the History of Insurance in the US

March 31, 2021 in Health / life / Medicare tagged American History / health insurance basics / insurance industry changes by Kayla Gonzalez

qualifying life events — Qualifying Life Events We choose health insurance based on our circumstances at the time, but circumstances can always change. These huge changes in your life would constitute qualifying life events. Qualifying events allow there to be a special enrollment period where you can make all the necessary changes to your […]

Qualifying Life Events

March 24, 2021 in Health / life / Medicare tagged health insurance basics / special enrollment periods / understanding aca/obamacare by Kayla Gonzalez

switch health plan — Signs You Should Switch Your Health Plan Financial, health, and family situations change every single year. So, it only makes sense that your health insurance plan changes along with you. Taking the time during the open enrollment period to determine whether your plan is still right for you will save […]

Signs You Should Switch Your Health Plan

March 22, 2021 in Health / life / Medicare tagged health insurance basics / insurance and finances / preventative care by Kayla Gonzalez

comparing public and private — Comparing Public and Private Hospitals Whether having a child or attending scheduled medical procedures, most people have the luxury of choosing what hospital they want to go to. It requires consideration of a few things such as location, pricing, quality of care, etc. There is also one more important consideration […]

Comparing Public and Private Hospitals

March 19, 2021 in Health / life / Medicare tagged health insurance basics / hospitals / insurance and finances by Kayla Gonzalez

Below are some frequently asked questions about LTC insurance. — Insurance can seem intimidating, especially when talking about those policies that will protect you or your loved ones should something happen. It can be hard to discuss final expenses or costs your family will need to take on should you pass. It can be even harder to consider the possibility […]

Frequently Asked Questions About LTC Insurance

March 16, 2021 in life tagged aging well / health insurance basics / insurance and finances / long term medical plans by Macee Hall

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