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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 (Editor’s note: Some of the information below is outdated – please contact us to discuss a child-only health insurance application.)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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New state and federal laws allow Ohio residents to keep children insured on a parent’s health insurance policy past age 23. Federal law only requires that coverage is offered to age 26, but state law allows for dependents to be insured up to age 28. Those who are insured through an employer based group health insurance plan and …

June 23, 2010

Category: Health Care Reform, Health Insurance

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You might purchase a health insurance policy that can be coupled with a health savings account simply to obtain lower monthly premiums. In exchange for covering more of the incidental expenses out of pocket with a HSA qualified plan, you can keep your individual or family health insurance more affordable. Perhaps of more importance are …

June 17, 2010

Category: Health Insurance, Health Savings Accounts

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As debate heats up about the rising cost of individual and family health insurance around the country, many carriers are looking at ways to reduce premiums for existing and future insureds. Anthem Blue Cross Blue Shield recently introduced new coverage options with new benefit designs in order to keep prices affordable. Our agency is proud …

February 11, 2010

Category: Health Insurance

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2010 Update: American Community has been placed into rehabilitation and will no longer be offering individual, family or group health insurance policies in any state. American Community will continue to provide benefits for their in-force policyholders as their financial conditions is being accessed. As of late December 2009, American Community and the Ohio Department of …

January 19, 2010

Category: Health Insurance

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With a new year comes new limits from Congress on the amounts you can deposit into your health savings account.   Contributions can be written off against your gross income and withdrawn tax free for qualified medical expenses. Minimum Plan Deductible Maximum Plan Out of Pocket 2010 Contribution Limit Age 55 and Older Catch Up …

January 14, 2010

Category: Health Insurance

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In a landscape of national health insurance companies, Medical Mutual is considered to be more of a regional insurance player.  While they have branched out to other states in the last few years, they are best known in Ohio as an individual, family and group health insurance provider.  In business since 1934, they offer products …

January 12, 2010

Category: Health Insurance

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As of the writing of this article, there is still no decision from Washington as to whether the COBRA health insurance subsidy will be extended for those who lost jobs or were laid off. There is talk that Congress might extend the subsidy for an additional 15 months, assuming those who qualified have not already …

December 18, 2009

Category: Health Insurance

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As an insurance professional in Ohio, I am asked this question quite a bit from prospective clients. The simple answer is: it depends. There are certain companies that offer more affordable health insurance in certain areas and to certain age groups. With the advent of healthcare reform, there are several other variable that come into play, …

September 9, 2009

Category: Health Insurance

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Online shoppers want to know where the best websites offering instant health insurance quotes from several well rated carriers can be found. You can find them with us. In response to consumer demand, we have developed an insurance agency that operates in two worlds; the real and the virtual. Shoppers can explore plans with or without our …

May 4, 2009

Category: Health Insurance

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Health care reform is coming and possibly soon. President Obama promised changes to the health care system during his run to office and has quickly taken measures to deliver on those promises.  While several questions remain as to what these changes might entail, he has pledged to insure more Americans under a universal system. It …

March 26, 2009

Category: Health Insurance, Op/Ed

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We work with prospective clients all across the country who need to purchase health insurance. Oftentimes, the client wishes to know why they should use a health insurance agent to complete the transaction. In other words, why shouldn’t they just buy direct from the company?  There are several reasons to use an independent agent including price, …

March 24, 2009

Category: Health Insurance

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National General offers several different insurance options in both the individual and group markets. They are well-know for their popular short term plans, but also offer dental policies, fixed benefit, cancer stroke, & heart attack plans, hospital indemnity as well as self-insured small group coverage. Get Quotes National General Enrollment Guaranteed Issue Short Term Coverage [...]
March 3, 2009

Category: Health Insurance, Illinois Insurance, Missouri Insurance Products

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As a life and health insurance agent with fifteen years of experience, I am still unsettled by the number of inquiries I get from prospective clients who I cannot help. Pregnant mothers looking for maternity insurance, consumers who need dental insurance because of a root canal, family members trying to purchase long term care insurance for …

January 21, 2009

Category: Health Insurance

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