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Short-term health insurance is a kind of medical insurance with coverage that is applicable for a specified period only. Also, it covers fewer illnesses compared to what long-term insurance policies do. However, it has a much lesser monthly premium cost compared to ACA (Obamacare) or any employer-based insurance plans. Short-term health insurance is a kind …

February 22, 2018

Category: Health Insurance

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With the rising costs of insurance premiums, you may be tempted to believe that you can skate for a while without medical insurance. Perhaps you are between policies or between jobs. Why not take a breather from an insurance payment? Just a month or a year saves you dollars. After all, the premiums for both …

February 1, 2018

Category: Health Insurance

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Short vs. long. Medical vs. life. Temporary vs. full. Term vs. whole. Health insurance vs. disability. Home, auto, and travel. The insurance options can become overwhelming. While we cannot clear up all the confusion in one article, let us explain the difference between short-term or term policies and long-term or whole options. Short-term health insurance …

January 2, 2018

Category: Health Insurance

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Short-term health insurance offers a temporary insurance solution, or so is its intent. A gap in insurance due to a job change, while waiting for Medicare or other coverage to begin, or being outside the open enrollment period proves a viable situation to obtain short-term policies. You may also know this coverage as temporary, term …

December 28, 2017

Category: Health Insurance

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The purpose of health insurance is to make sure that you are covered in case of an emergency, if your health suddenly worsens or if you need to deal with a chronic condition that you would otherwise never be able to afford to treat. However, no matter how diligently we plan out our insurance coverage …

December 1, 2017

Category: Health Insurance

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When you’re shopping around for an insurance policy, one thing is probably on your mind: price. Most people are looking for the cheapest option possible. But choosing an insurance agent is more than just a cost-conscious decision. This choice can impact your life for years to come. Make it wisely, by reviewing all possible options. …

September 2, 2017

Category: Health Insurance

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If you would like to purchase health insurance outside of the yearly Open Enrollment window, then you will need a qualifying life event (QLE) to do so. Open Enrollment begins on November 15th and lasts through February 15th each year. Without such an event, insurance companies will turn down your application. How Do Qualifying Life …

August 6, 2015

Category: Health Care Reform, Health Insurance

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If you are looking for Ohio health insurance plans in Columbus, Cleveland or Cincinnati -then you are in the right place. Our Ohio based independent insurance agency offers coverage from several carriers both on and off the federal exchange. In our opinion, it is important to work with an Ohio based insurance agency if that’s …

August 5, 2014

Category: Health Care Reform, Health Insurance

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Health insurance open enrollment under Obamacare has different rules. Unless it’s Open Enrollment, you may not be able to purchase health insurance without a qualifying event. Special election periods will be available outside of open enrollment for those who meet certain criteria. If none of the life events listed below apply, then applicants will need …

April 2, 2014

Category: Health Care Reform, Health Insurance

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Our insurance agency has received several inquiries about the upcoming Obamacare penalty amounts for those who do not purchase health insurance.  It is important to understand how these penalties will be enforced and ways to avoid them. The penalties will vary for singles and for families and can, for some, end up being a portion of their …

October 9, 2013

Category: Health Care Reform, Health Insurance, Uncategorized

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Under current rules and regulations, you buy health insurance either on the the Federal (or in some states local) exchange or off.  Here in Ohio, we are on the Federal exchange. Understanding your options will help you know whether you qualify for subsides, Medicaid and what your penalty might be. We help our clients sort …

September 26, 2013

Category: Health Care Reform, Health Insurance

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Now that the Supreme Court has upheld the Affordable Care Act (otherwise known as Obamacare) there are many questions about the individual mandate as it relates to new taxes and/or penalties for those who have not purchased health insurance. It is important to understand that these new taxes (or penalties) will be phased in over …

July 2, 2012

Category: Health Care Reform, Health Insurance

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Vanishing deductible benefits are not for car insurance policies only.  Health insurance providers are also offering policies with a deductible that decreases over time when the chosen limit has not been reached by the insured(s). This is being done in an effort to make older health insurance polices more attractive and to retain healthy customers …

February 14, 2012

Category: Health Insurance, Health Savings Accounts

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Parts of the new  health care legislation have already taken affect, but there is quite a bit of confusion over the guaranteed issue status for children under the age of 19 years old. (Editor’s note: Some of the information below is outdated – please contact us to discuss a child-only health insurance application.) As of September …

October 14, 2010

Category: Health Care Reform, Health Insurance

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As part of the health care reform bill passed by Congress and signed into law by President Obama in March, new high risk health insurance pools will be created by several states. The pools are designed to last 40 months and bridge the gap until applicants with preexisting conditions must be underwritten for permanent coverage. …

August 5, 2010

Category: Health Care Reform, Health Insurance

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