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This most recent downward economic spiral is negatively impacting the bottom line for many corporations.  Companies both large and small are laying off employees at record levels in order to maintain profitability.  Many businesses are simply looking for immediate ways to lower costs.  A simple, yet effective solution is to purchase less expensive group health insurance coverage. Changing health insurance plans or switching …

February 3, 2009

Category: Group Health Insurance

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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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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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There are several events that guarantee a consumer’s right to purchase Medicare supplement insurance coverage. It is important for seniors to take advantage of these periods or they may no longer qualify medically for enrollment. Listed below are the most common occurrences that allow for guaranteed eligibility into a supplemental plan as well as rules …

October 27, 2008

Category: Medicare Supplements

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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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The bankruptcy of General Motors Corporation has forced the cancellation of health insurance coverage for many retirees. The changes will be effective January 1, 2008 for former employees. The good news for G.M. retirees over the age of 65 is that they will be in a “guaranteed issue” period for Medicare supplement and prescriptions Part …

October 16, 2008

Category: Medicare Supplements

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Recently, United Healthcare and their subsidiary Golden Rule launched two new dental products in Ohio. They are both competitively priced and offer similar annual benefits to the insured. Consumers should choose the Dental Value plan if their current dentist is in network or if they are willing to change to an "in network" dentist. The Dental Premier plan [...]
July 10, 2008

Category: Dental & Vision 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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When researching Medicare supplement insurance policies, you may have questions about the various ratings classes. There are three to choose from: Attained Age, Issue Age and Community Rated. We will examine all three and discuss the nuances of each below. It’s important to note that each class has it’s own pros and cons. There is …

March 12, 2008

Category: Medicare Supplements

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The Medicare open enrollment period is a six month window including the three months prior to and the three months following your 65th birthday. It is advantageous for most seniors to consider purchasing a Medicare supplement plan during this 6-7 month period of time. (Many carriers will still let you enroll up to six months …

February 14, 2008

Category: Medicare Supplements

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