Blog
Do I need a companion?
What is a companion plan? In addition to your health insurance plan that will help offset your costs of deductibles, co-pays that kind of thing. Accident insurance will help do that for just the accidents only. But sometimes you'll have an illness or something that's...
I Had An Accident
Let’s talk accident plans: A lot of people think, “Well, I have health insurance”, or “I have auto insurance”, which will cover me in case of an accident. Well, it will help pay for your hospital expenses, treatment, and those kinds of things. But, what it doesn't pay...
PPO Plan
This week I'm going to talk a little bit about PPOs. I work with many people that had had coverage with their employer. They had a PPO, then they had Cobra, and now they're on their own regarding buying their health insurance. Let’s get into the details of a PPO: In...
Travel Health Insurance
I get a lot of questions about insurance for international travel. Generally, in the past, I've told people that depending on where you're going, you may not need travel health insurance. There are some caveats to this: It may be if you have some health issues, you do...
TOOLS
What tools do you have in your tool belt? Tip Tuesday: make sure you are not paying too high of a co-pay! $30 copay for a medication is high! I have talked in the past about prescriptions, specifically not overpaying for prescriptions. This is because of several...
Cobra Vision & Dental
I know I've talked about Cobra in the past. I have talked about both dental & vision in the past. So this week, I want to get a little more in-depth on that benefit and how COBRA can benefit you for dental and vision. As we know, if you are offered COBRA, when you...
Group Health Insurance
This week, I want to talk a little bit about group health insurance. Many people don't realize that you can put in place group insurance at anytime of the year, if you have a qualified group. You can put this in place, meaning that you have a mid year plan start, but...
Primary Care Doctor
Time for a story! We had something interesting happen at the house last week. We had an AC person come because we were having trouble with airflow. We had a new unit put in two years ago and came to find out that some of the vents were leaking and not sealed properly,...
Marketplace Coverage
I want to clear up a misunderstanding that a lot of people have about the Marketplace. I received a call from a client, who had recently done their taxes, which prompted me to realize that many people do not understand the dynamics of Marketplace and how: Adjusted...
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