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With every new year comes increased amounts that health savings account owners may contribute to their plan. HSA’s contribution amounts will differ depending on whether the insured is enrolled in an individual, family plan or group plan. It is important to note that there are several ways to fund health savings accounts and all funds do …

January 5, 2009

Category: Health Insurance

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Anthem Blue Cross and Blue Shield offers several comprehensive health insurance plans in the individual, family and group marketplaces. We work direct with Anthem to provide those quotes to our clients – both on and off of the federal exchange. While Anthem may be more well known for their employer sponsored plans, medical coverage for …

December 18, 2008

Category: Health Insurance

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Our agency receives several inquiries regarding health insurance including maternity coverage with a short waiting period. Our clients usually want their coverage to begin quickly and need to know which insurance company offers the shortest waiting period for pregnancy. UPDATE January 1, 2014: All Carriers Now Offer Maternity Coverage. If pregnant, coverage must be purchased [...]
December 10, 2008

Category: Health Care Reform, Health Insurance

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United Healthcare has long been a carrier offering affordable health insurance rates across the country.  They offer individual and family policies through their subsidiaries Golden Rule and Pacificare. Group coverage is offered through United Healthcare and collectively they are all now known as United HealthOne.  UHC is most popular because of their low prices and …

December 3, 2008

Category: Health Insurance, Illinois Insurance, Missouri Insurance Products

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Aetna is a leading carrier in the group health insurance marketplace, but more recently expanded into the individual and family markets. They offer a wide array of plans including traditional coverage, first dollar PPO plans, high deductible health savings accounts and hospital care only policies. Dental insurance can be added to any individual or family plan. Click [...]
November 6, 2008

Category: Health Insurance

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The final presidential debate of 2008 highlighted the stark differences between the two candidates health care plans. In a nutshell, Senator McCain favors tax cuts, choice and portability while Senator Obama is looking for an increase in corporate and government responsibility. Either way, it may be years before any significant legislation is passed to reform …

October 16, 2008

Category: Health Insurance

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Finding a suitable health insurance plan can be difficult for many consumers. However, obtaining reliable medical insurance with adequate prescription coverage requires even more due diligence. The problem lies in the fact that consumers taking several prescriptions are likely to have preexisting conditions or poor health. Poor health and/or several preexisting conditions may cause the …

July 7, 2008

Category: Health Insurance

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When speaking with prospective clients, oftentimes there is confusion as to the meaning of certain insurance terms. Clients want to understand health insurance terminology and learn how it will affect not only the cost of their health insurance policy, but also their out or pocket expenses. Listed below are explanations of common terms associated with …

May 15, 2008

Category: Health Insurance

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Health Savings Account deductibles have increased for consumers who own or intend to purchase a HSA compatible health insurance policy. A Single or individual policy owner may contribute up to $2,900 this year while a family policy holder can contribute up to $5,800.   Click here to learn more about HSA  plans. The increased contribution …

January 8, 2008

Category: Health Insurance, Health Savings Accounts

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It’s that time of year again.  A time whe  you make resolutions to improve your life in the new year.  Maybe you will join a fitness center and get in better shape or vow to eat better and lose those holiday pounds.  However, an integral part of a healthier lifestyle in 2008 should include obtaining comprehensive health …

January 2, 2008

Category: Health Insurance

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Employer based health insurance provides coverage for tens of millions of Americans. Unfortunately, many employees will be without coverage if they lose their job, quit, retire or if their company goes out of business. In most cases, an employee can elect COBRA upon losing employment. The Consolidated Omnibus Budget Reconciliation Act will provide 18 months …

November 12, 2007

Category: Health Insurance

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Many families are in search of affordable health insurance that will provide maternity or pregnancy benefits. Health carriers offer such plans, but they vary in the amount of coverage provided. Most insurers provide no benefits for at least three to nine months and at least one insurance company will not cover a pregnancy for 18 …

November 7, 2007

Category: Health Insurance

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There are several resources available if you are looking to purchase individual or family health insurance plans online. Most of the major carriers offer online health insurance quoting links that independent agents can post on their personal websites. These links will describe all of the plan offerings in great detail and then allow you to …

August 6, 2007

Category: Health Insurance

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In an attempt to make health insurance and health savings accounts more attractive to consumers and businesses, Congress has revised HSA legislation in 2007. The new laws make HSA’s for individuals, families and businesses more beneficial which may likely increase the popularity of these plans. The intended result may be that more Americans purchase high …

January 22, 2007

Category: Health Insurance, Health Savings Accounts

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The Internet has changed many industries for the better. Consumers want accurate and timely information at the touch of a button. The Internet  is playing a major role in the insurance industry and in the process making more information are real time quotes available with the click of a mouse.  Even better, consumers can enroll …

December 13, 2006

Category: Health Insurance

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