Blog
Claims vs. Coverage – Nothing is Free
Today’s Tuesday Tips: Your premiums are calculated on two main things – your age & the number of claims you file Not all preventative care is covered by your insurance, and oftentimes doctors think it is and will tell you it is. I hear from a number of people that...
Husband and Wife Group Insurance
I've recently been dealing with a lot of cases regarding husband and wife groups. I know you're thinking, “How can I make a group with my spouse?”. Typically, with insurance, you can't. But, if you have an LLC, and both the husband and wife are on the LLC, and they...
Tips for Utilizing Urgent Care vs. ER
Top Tip: make a list of nearby Urgent Care and ERs that are in-network, and put it on your fridge for quick reference when needed This week the focus is on is the different kinds of coverages that your policy may have, and when to use those coverages. It can be...
Saving You Money
In last week’s blog, I discussed the importance of considering not using your insurance for certain health care costs and looking at whether you would actually hit your deductible within the year. My sole purpose is to help my clients save money, and so in today’s...
Negotiating Health Care Costs
Did you know that when it comes to your healthcare and the costs involved, it is important to shop around but negotiating also has its place? It would make sense that every doctor or clinic would charge the same amount for a given service, but in reality, that is not...
Save, Save, Save!
Before we jump into today’s topic of life insurance, here is a little Tidbit Tuesday tip: SAVE, SAVE, SAVE! I encourage all people to save whether that is to have a medical savings account or just a savings account on the side that they put some cash into for medical...
Special Enrollment Period – Job Changes
Time for a Tuesday Tip: job changes can be triggers for a special enrollment period (SEP) As I have mentioned previously, special enrollment periods are times of the year that allow you to enroll in new coverage due to life changes. These can be changes such as...
How To Save On Health Costs!
This week are going to talk about a specific way to save on insurance by NOT always using your insurance plan, if you have a high deductible, are healthy, and don’t plan to meet the deductible at the end of the year. If you do have health concerns or upcoming...
Avoid Big Bills
This week, I want to talk about your understanding of existing coverage and make sure you understand how to utilize your insurance in terms of copays and deductibles to avoid big bills. It is very important to understand your coverage - what you can expect to pay out...
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