insurance and finances

The Problem: Rising Health Insurance Rates With June now upon us, it is officially the rate-setting season. It’s the time of year when health insurers tell state and federal regulators how much they plan to charge for premiums next year. However, as of now, the Trump administration has yet to […]

How to Combat Rising Health Insurance Rates in 2017-2018

 in Health  tagged health industry changes / insurance and finances / insurance and government / insurance news by
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 ...

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According to the American Cancer Society, one in two men and one in three women will be diagnosed with some sort of cancer during their lifetime. The odds that somebody you know, whether friends or family or even you, may get cancer. To make matters worse, cancer induces high medical expenses. Sixty-percent […]

The Best Type of Cancer Plan

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This year, many individuals shopping for health insurance are worried about the costs, specifically the high deductibles and premiums. Though not well-known, there is actually a solution to help combat high costs. Many smart agents are proposing two products rather than one to help lower premiums and deductibles. This may […]

Packaging Two Health Insurance Policies Can Lower High Deductibles

 in Health  tagged health insurance basics / insurance and finances / supplemental medical plans / understanding aca/obamacare by
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This year, the number one concern people have with health insurance is keeping premiums down.  Empower Brokerage hears the same question asked repeatedly, “How do I find a plan that’s actually affordable?”  We recommend consumers purchase the cheapest available Affordable Care Act plan. Then, they can package the cheaper plan […]

Got High Premiums? Consider Adding a Gap Plan to a ...

 in Health  tagged health insurance basics / insurance and finances / supplemental medical plans / understanding aca/obamacare by
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Overwhelmed by high deductibles? Worried about your out-of-pocket exposure? Fear not! Jeff Hess, the individual health expert, has the solution to your problems. Check out the video below to learn the best way to spend your healthcare dollars and get an affordable plan this ACA season! How to Fight High Deductibles and Avoid Out-of-Pocket […]

Got High Deductibles? Consider a Gap Plan for 2017

 in Health  tagged health insurance basics / insurance and finances / supplemental medical plans / understanding aca/obamacare by
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Compare Short-Term Medical Insurance to ACA Rodney Culp, CEO of Empower Brokerage, has been in the insurance business and helping clients save money for 32 years. In his 32 years, the health insurance industry has never been as chaotic or confusing as it is now. In the video below, Rodney […]

A Short-Term Medical Insurance Plan VS An ACA Plan

 in Health  tagged insurance and finances / insurance trends / short term medical plans / understanding aca/obamacare by
Health insurance has a language of its own. Even words you know have a completely different meaning when in reference to health insurance. So to have a better understanding of this industry, it’s important to know the frequently used terminology. In the video below, Jeff Hess, individual, group, and ancillary health insurance […]

Terms Defined: Co-Payments, Co-Insurance, Deductibles, ETC.

 in Health  tagged health insurance basics / insurance and finances / understanding aca/obamacare by
The best approach to understanding the chaos and confusion of health insurance is to familiarize yourself with the terminology specific to the industry. In the video below, Jeff Hess, individual, group, and ancillary health expert, defines Advanced Premium Tax Credits (APTC) and cost-sharing reductions. Check it out! Advanced Premium Tax […]

Terms Defined: Advanced Premium Tax Credits (APTC) and Cost Sharing ...

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