Blog
Moving?
This week’s Tuesday Tidbit: check out the health care coverage rules and options if you are moving to a new state – particularly if you do not have employer-sponsored coverage. This week’s Tuesday Tip: moving counts as a qualifying event – you have a 60-day window to...
Marketplace Agent
Working with the Marketplace can be daunting and confusing. Having a Marketplace agent or broker to help you navigate the system is very important. This is for two reasons – firstly, an agent knows what special events qualify for an open enrollment period and can...
Critical Event Expenses
Takeaway tip: Try your best to have the value of your deductible set aside. I know that this is not always possible, but if you are able to, it goes a long way in helping you navigate critical events and illnesses. This week, I wanted to focus on the cost of critical...
HR Department Benefits
Did you know that as a small business owner, by having me as your agent, you are getting your own HR department? What do I mean by that? Most small business owners don't have an office manager and they certainly don't have an HR department that can handle the benefits...
Benefits for Very Small Employers
Tax season has just ended, thankfully. Did you know that one of the areas that I can provide you with some help is with health insurance advice as regards your taxes? As a small business owner, if you offer health insurance as a benefit, that is a deduction/expense...
Why is having a responsive broker important?
Just recently, I had a small group contact me -a husband/wife group that had put their coverage in place about three years ago. They had a broker set everything up, and they have never heard from this broker again, even though the renewal comes up every year. The...
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...
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