Key Topics: Metallic tiers were simplifiedCost-sharing was discontinued which resulted in “Silver Loading”Four major plan differences: deductible, out-of-pocket maximum, office copay and prescription benefitsPurchase decision justification When the Affordable Care Act...
When it comes to health insurance, the application and subsequent policy documents establishes the contractual requirements of the responsible parties, the insurance carrier and the policy owner. The insurance agent (or broker), stands between both parties. The agent...
If you didn’t enroll in health insurance during Open Enrollment or you are trying to reduce your premium expenses, short-term insurance can fill the gap before the next Open Enrollment, from November 1 thru December 15 for a January 1 effective date. There are many...
Key Topics: Get organized and start earlyCalculate household incomeLook at the past to help with plan selectionDon’t drag your feet and try to beat the deadline. Each year as Open Enrollment for the Affordable Care Act (ACA) approaches you vow to do a better job in...
Most consumers believe their health insurance coverage will provide benefits when requiring air transport in response to a medical event. Their expectation is when they are injured while traveling for either pleasure or business or if medical care is need in an...
As a Texas consumer, you should always examine completely the proposed health insurance coverage and understand the benefits as outlined in the coverage Summary of Benefits document. The goal in securing health insurance coverage should be to provide the most...
