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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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Upon turning 65, many seniors will enroll in Medicare and purchase a Medicare supplement plan. Between Medicare and supplemental coverage, most seniors will have reliable health insurance. However, there is still one unfilled gap in these two plans. Medicare and supplemental coverage do not provide dental insurance coverage for seniors. We have filled this gap …

January 17, 2008

Category: Dental & Vision Insurance

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Health insurance premiums will rise year over year for most Ohio businesses. In some cases, rate increases will be well above 10%. Fortunately for business owners, the group health insurance market is a competitive industry. There are several insurance companies willing to undercut their competitors in order to enroll new clients. A business entity, depending …

January 10, 2008

Category: Group 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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Medicare supplement Plans F, G and N (and sometimes High Deductible Plan F) are usually the most requested plans by our clients. Their popularity can be explained by the fact that these three plans cover most of the coverage gaps left behind by Medicare. Most supplemental insurance carriers offer Plans F & G, but N [...]
January 8, 2008

Category: Medicare Supplements

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