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Depending on your state, you’ll probably pay more in premiums to obtain individual COBRA insurance than you would for an employer-sponsored health plan. You’ll also have to pay a 2% administrative fee for the plan you elect to use. readmore

There are a few options besides COBRA health insurance: short-term medical coverage, long-term coverage via the special enrollment period, or switching to a spouse’s coverage. These options are more affordable . read more

A qualified beneficiary generally is an individual covered by a group health plan on the day before a qualifying event who is either an employee, the employee’s spouse, or an employee’s dependent child.  In certain cases…. readmore

Certain states have laws that require insurance companies to cover weight loss surgery if the patient meets the NIH health criteria. And not all insurance companies will cover an entire procedure. Some will cover the procedure but… readmore

Probiotics Help Balance The Friendly Bacteria in Your Digestive System. Probiotics include “good” bacteria. These are live microorganisms that can provide health benefits when consumed… readmore

Simply, a Final Expense Life Insurance is a Whole Life policy meant to cover the expenses of the insured funeral costs or burial costs. Most major and top rated carriers have a special “Final Expense” plan for individuals who… readmore

It is a permanent insurance policy, which means the insured is covered for the duration of their live as long as the policy is in effect. The policy will stay in effect as long as the premiums are paid and no lapse in coverage occurred… readmore

Certain states have laws that require insurance companies to cover weight loss surgery if the patient meets the NIH health criteria. And not all insurance companies will cover an entire procedure. Some will cover the procedure but… readmore

Certain states have laws that require insurance companies to cover weight loss surgery if the patient meets the NIH health criteria. And not all insurance companies will cover an entire procedure. Some will cover the procedure but… readmore

Navigating the world of health insurance can be overwhelming and confusing. With so many options and changes in the healthcare industry, it can be challenging to find the right coverage for your needs. That’s where a health insurance agent… readmore

Health insurance prices are regulated by your state’s Department of Insurance, and the price that you pay will be exactly the same no matter where you buy insurance – whether it’s online… readmore

One thing that everyone who works in insurance can agree on is that clients should be seeking guidance from professionals to make sure that they are getting the coverage they need and at the right… readmore

The short answer: Yes! In most cases, using a health insurance agent or broker is free. Since most insurance companies pay agents and brokers, there’s no charge to the consumer for services like ours. And, since prices are regulated… readmore

Almost anyone can become an insurance broker. This is apparent by the hundreds of websites offering health insurance services. However, most of these websites sell insurance policies employ call centers and temporary workers who are not familiar with a… readmore

Effective January 1st, 2024 Rush University Hospital and Rush Copley will accept some ACA (Affordable Care Act) Marketplace Health plans. These health insurance plans are offered by… readmore

There is no penalty for not having ACA mandated coverage in 2023 unless you live in a state like New Jersey or Massachusetts where it is mandated by the state… readmore

BCBS Insurance USA has a strong reputation and a good rating with the Better Business Bureau. The company has a national presence and works closely with organized labor. Moreover, it participates in government-sponsored… readmore

The Medicaid coverage gap refers to a group of uninsured individuals in states that did not expand their Medicaid programs. They are not eligible for Medicaid, yet at the same time not eligible for subsidies offered by the Affordable Care Act. Therefore, making both forms… readmore

You may need to have one or more of the following documents or numbers when you apply for and enroll in Marketplace coverage. The documents you need depend on your immigration status… readmore

Tourist visa insurance in USA is an essential part of a travel plan for those visiting the United States on B1 or B2 visas. It helps provide financial assistance for medical emergencies. The coverage is affordable and provides peace of mind for those traveling abroad. It also helps… readmore

If something goes wrong during a trip, your savings account could take a serious hit if you don’t have travel insurance. Flight cancellations, lost baggage or an accident can throw a wrench into your carefully made plans… readmore

Finding the proper health insurance for your child studying abroad overseas can be a challenge. Most colleges make students that are studying abroad submit forms outlining their medical histories as well as how they plan on… readmore

Start off by filling out a census. With a completed census a broker can shop the hundreds of medical, dental, vision, life, and disability plan designs for you. One that will fit… readmore

Part-time employees are eligible for health insurance. However, employers are not required to provide health insurance to part time employees under the Affordable Care Act…. readmore

Most plans automatically allow dependents on the plan. As an employer you have no obligation to contribute to dependent premiums. So if you choose a health insurance plan with dependent coverage you do not… readmore

You have 60 days to enroll in COBRA once your employer-sponsored benefits end. You may even qualify if you quit your job or your hours were reduced. Other COBRA qualifying events include… readmore

If you want to know if the rule applies to your business, you first have to figure out how many full-time employees (FTEs) you have on your team, and you have to play by the government’s math. The federal government defines a full-time employee as… readmore

Individuals can sign up for HSAs with banks, credit unions, insurance companies and other approved companies. Your employer may also set up a plan for employees as well…. readmore

Before opening a Lively HSA, the individual must meet the criteria below:… readmore

An HSA is not something you purchase; it’s a savings account into which you can deposit money on a tax-preferred basis. The only product you purchase with… readmore

Yes, if you have coverage under an HDHP. You do not have to have earned income from employment – in other words, the money can be from your own personal savings, income from dividends, unemployment or welfare benefits, etc. … readmore

Once you reach age 65 your HSA funds can be withdrawn at any time and are only subject to ordinary income tax. However, you may avoid any tax by continuing to use the funds for qualified medical expenses…. readmore

The maximum allowable time for short-term, limited-duration insurance (STLDI) plans is three months for the initial contract term and four months for the maximum coverage period. This includes any renewals… readmore

Yes. If you decide that you say, want to switch from the $1,000 benefit to the $2,000 plan, you would essentially be treated like a new customer and would have to wait the same waiting periods for certain procedures from the start of you plan…. readmore

VSP’s frame allowance applies toward the cost of any frames available at in-network providers, but you will have to pay the difference between the retail price and the benefit for more expensive frames…. readmore

From January 1st – March 31st each year, if you’re enrolled in a Medicare Advantage Plan, you can switch to a different Medicare Advantage Plan or switch to Original Medicare (and join a separate Medicare drug plan) once during this time…. readmore

Choosing where to have your baby during a pandemic is on the minds of many in 2022. You may wonder what policies and visitor restrictions now exist and what that means for your birth experience…. readmore