health insurance basics

Do you have life insurance or disability income insurance through your employer? If so, it’s important to make sure that the payment – if deducted from payroll – uses after-tax dollars. Likewise, if you’re self-employed or a small business owner, you should not pay for the policy through the company. Instead, you should […]

Be Sure to Use After-Tax Dollars to Pay for Disability ...

 in Health  tagged Disability Insurance / health insurance basics / insurance and finances by
Guaranteed Renewable Though different, guaranteed renewable is something else everyone should consider when shopping for disability income insurance. Essentially, this rider renews the policy each and every year so long as premiums are paid on time. This removes the hassle of reapplying. With this guaranteed renewable, rates can still increase. Contrastly, […]

Know the Difference: Guarantee of Insurability vs. Guaranteed Renewability

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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

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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

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United Healthcare is the largest health insurer in America. For the most part, their focus has lately been on group insurance products, as well as ancillary. As for individual medical, they’ve largely stayed out of the market. When the Affordable Care Act (ACA) went into effect in 2010, United Healthcare participated in a few […]

Top Health Insurance Carriers: United Healthcare

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In-House Financing 1
Don’t you think in-house financing is a much better option to finance patients? However, it is not something most dentists offer. It requires accounting, bookkeeping, etc, which creates more work for the provider. So though it is rarely offered, in-house financing is great for patients, especially when paired with a […]

In-House Financing Plus an Indemnity Dental Plan Equals Great Coverage

 in Health  tagged dental health / dental insurance / health insurance basics / insurance industry changes by
Shannon Culp, COO of Empower Brokerage, sat down with Rita Ratcliff, a licensed agent who’s been in the insurance industry for more than 20 years. For Rita, the number one questions her customers ask is: “Why can’t I buy health insurance that’s affordable, accepted by doctors and hospitals, and is […]

Reasons to Consider Short Term Medical Plans

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Photo for thumbnail talking about short-term medical.
Whether you’re shopping for a qualified health plan, a short-term medical plan, accident plan, dental plan, etc., limitations and exclusions may apply. It’s important to understand the limitations with the plan you’re shopping for before purchasing it. Typically, the limitations and exclusions of health plans are standard across all insurance […]

Limitations and Exclusions on Health Plans

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