Blog
Small Employers
This week I want to look at employers that do not offer health insurance because they feel that they can not. A lot of small business owners do not, for obvious reasons, offer health insurance, usually because it's very expensive. They have to cover 50% of the cost to...
Utilizing Gap Insurance
Tuesday Tip: Open Enrollment opens November 1! Unless you have a life-change event – losing your job, insurance, a qualified COBRA plan, a birth, etc, you will be unable to enroll in a plan until November 1. If you are on a Marketplace plan for this year, I recommend...
Big Bills
Tidbit Tuesdays Tip: ALWAYS check your big bills! Check the claim sent to insurance – sometimes it contains errors and is denied for the wrong reasons. Check your benefits (all) and out-of-pocket maximum Negotiate (especially if out-of-network) As I mentioned in last...
Out of Pocket Maximums
Tidbit Tuesdays Tip: ALWAYS know the ins and outs of your out-of-pocket maximums! Find out exactly what your out-of-pocket maximum is – it’s not always exactly what you think it is! Know the difference between in-network out-of-pocket maximum and out-of-network...
Provider Networks
This week I would like to highlight why considering provider networks is important. Many insurance companies work with specific doctors and hospitals, and they are referred to as ‘in-network’. This usually means that by using an in-network doctor you would save money...
Bill Negotiation
This week, I am going to be talking about Bill Negotiation. Did you know that you can always negotiate your bill with a health care provider? Did you know in some instances, it's cheaper to pay cash than to actually use your insurance (depending on the insurance you...
Frustrated Insurance Needs
Have you ever felt frustrated during the open enrollment, trying to choose something, and you realize that you have just picked something to get it over with? But then, when you tried to use it, you found that it was incredibly difficult, you didn't have the benefits...
Importance of an Insurance Broker
Are you just tired of trying to figure out health insurance? Trying to figure out what's right for you? Whether you're getting the right coverage? How much you're paying? Well, you are not alone. How do you make sure that you are getting the best coverage for yourself...
Avoid Big Bills
Today’s tips: Understand your insurance to avoid big bills Know what your needs are One of the things I am most passionate about in my line of work is educating people about the importance of learning the basic aspects of what your insurance offers and does not offer...
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