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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   Contributions can be written off against your gross income and withdrawn tax free for qualified medical expenses.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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Gerber Life is now offering Medicare supplement insurance in California. This is the same well known and well rated Gerber Insurance Company that offers life insurance to children. Gerber Medigap plans are priced quite competitively and in many areas they are the best rates available for those over age 65.  Consumers can request personal quotes from …

January 5, 2010

Category: Medicare Supplements, Retirement Planning

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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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It is quite common for new carriers to enter the Medicare supplement marketplace every year. One of the newest entrants is Assured Life.  These plans are underwritten by Mutual of Omaha. The monthly premiums are very competitive in the states where they currently offer coverage.  Arizona and Ohio residents over age 65 will find their rates …

December 14, 2009

Category: Medicare Supplements

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Medicare open enrollment for 2010 begins on November 15th and lasts through December 31st.  This is a period of time that occurs each year and allows Medicare beneficiaries to make changes to their existing coverages.  There is some confusion about this window of time and what changes can be made.  Please read on to learn …

November 17, 2009

Category: Medicare Supplements

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September is life insurance awareness month, thus we will do our part to discuss the overall benefits of these products.  When compared to other financial instruments, life insurance policies have several unique and attractive attributes. Policies will come in many shapes and sizes with several options for the insured, but it may be most important to simply …

September 18, 2009

Category: Life Insurance, Retirement Planning

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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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The Ohio Department of Insurance was granted by the Franklin County Court of Common Pleas its request to place Physicians Assurance Corporation into liquidation.  The ODI will take possession of the insurer’s assets under the guidance and supervision of the court. At last count, TPAC insured over 350 groups in central Ohio with over 8,000 …

August 25, 2009

Category: Group Health Insurance

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In an overall effort to insure more Americans, “pay or play” mandates appear to be a part of the Obama administrations health care reform efforts.  While this legislation is still in its infancy, it is moving quickly as Congress attempts to draft a bill before summer recess. Mandates already exist in the State of Massachusetts, …

July 8, 2009

Category: Group Health Insurance

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Behind closed doors members of Congress are hammering out plans to change the shape of the current health care system.  Details are still somewhat scarce, but House and Senate member are determined to have a bill put together by the middle of the summer and actual reform by year end. Outlined below are changes that …

May 18, 2009

Category: Health Care Reform, Op/Ed

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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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In an attempt to encourage consumers to purchase long term care insurance (LTCi), Ohio recently passed legislation making available partnership policies. Several insurance companies offer these plans, but not all LTCi policies are partnership qualified. By owning a qualified plan, the insured can be eligible for Medicaid benefits through the state without depleting all of …

April 23, 2009

Category: Long Term Care Insurance, Retirement Planning

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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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