SEP


Millions of Americans are currently staying indoors as stay-at-home orders across the nation continue. With most Americans receiving health coverage through their job or a family member’s job, how has COVID-19 affected those who risk losing their Employer-Sponsored Insurance (ESI) plans? From a previously released estimate from the U.S. Census […]

How COVID Has Affected Employer-Sponsored Plans


How does your state rank in the percentage of those uninsured? A new report by Families USA has given us an updated list of the highest uninsured rate by state population for 2020. These numbers have dramatically increased since the beginning of COVID-19. With close to 5.4 million Americans losing […]

Uninsured Rate By State Rankings


14 million eligible for Medicaid
14 million workers hit by the COVID-19 virus are eligible for subsidized healthcare from the marketplace or Medicaid, regardless of if they are planning to accept unemployment compensation. This is according to a report released by the Urban Institute, whose findings help us identify those in vulnerable job industries such as […]

14 million eligible for Medicaid or Marketplace insurance During COVID



Medicare Enrollment: Tips for the Upcoming AEP With Medicare enrollment approaching it’s important that you are prepared for enrollment periods, deadlines, and finding a plan right for you.  Today we will share tips and information you will want to know before the AEP begins. Annual Enrollment Period The AEP begins October 15th […]

Medicare Enrollment: Tips for the Upcoming AEP


Whats a Special Enrollment Period (SEP)? Special enrollment periods (SEPs) are typically a small window outside of the annual open enrollment period (OEP) where people can get health insurance. They must have a qualifying event in order to get an SEP. Throughout the years, the qualifying events became stricter. The […]

Special Enrollment Periods (SEPs) with Jeff Hess


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)



Have you ever heard of a plan having first-dollar benefits, no deductibles, and no rate increases? These three descriptors are the basis of fixed indemnity plans. Moreover, fixed indemnity plans operate on a set schedule. To explain, they only pay so much for you to see the doctor, visit a hospital, […]

Fixed Indemnity Plans


The health insurance industry tends to cause a lot of confusion for individuals shopping for a health plan. The primary reason for this confusion is the excessive use of acronyms! Below is a comprehensive list of healthcare acronyms: A ACA: (Patient Protection and) Affordable Care Act ACO: Accountable Care Organization […]

Terms Defined: Commonly Used Acronyms in Health Insurance


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Pay the Premium to Effectuate Your Policy In 2014 and 2015, it was generally acceptable to get a plan and not pay the first month’s premium for up to three months. Even though the payment was deferred, people would still have coverage for those first three months. However, carriers ended […]

Pay Your Premium in Order to Effectuate Your Health Insurance ...



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This year has seen several carriers dropping out of the marketplace or choosing not to offer qualified, Obamacare plans. As a result, many people have lost coverage. United Healthcare, for instance, chose not to renew several clients. Additionally, both Aetna and Cigna have not renewed much of their client base. […]

ATTENTION: Carriers Are Not Renewing Clients!