Health Savings Accounts – Changes for This Year
The IRS encourages citizens to get a personal Health Savings Account. Get a Health Savings Account – Pay Less in Taxes! What’s changing with your health savings account Once you obtain a qualified Health Savings Health Plan, you are eligible to setup a health savings account. The maximum annual contribution for 2023 is $3,850 for […]Read More
Does Medicare Pay for Caregivers?
Does Medicare Pay for Caregivers? Your Guide to In-Home Healthcare (Parts of this information is from www.healthline.com, an excellent site focused only on health topics) Caregivers are a form of in-home care and offering caregivers as In-Home Care has seen a significant rise among health plans over the last 10 years. The biggest growth has […]Read More
The Self-Employed Need a Paycheck Protection Program
At any given time, a lot of people are out of work due to illness or injuries and need paycheck protection. What will YOU do when the paycheck is no longer coming in? How many checks can you miss before the pain is too great? It’s one thing to be unemployed, yet another to be […]Read More
Healthcare Needs that Health Insurance Does Not Cover
Just What Healthcare Needs Does Health Insurance Not Cover? After many hospital stays, people learn the hard way that, indeed, health insurance does not cover all things healthcare-related. When a serious medical need arises there are often multiple stages that one goes through on the path to recovery. A stroke victim may stay in a […]Read More
Yikes! What she found in her medical records was devastating
First off, understand this. They’re YOUR medical records. Recently, someone applying for one of our health plans learned something that truly shocked her. Written in her records was a diagnosis identified as a debilitating muscle disease and the doctor never told her! You may have a medical condition listed in your medical records that you really […]Read More
Enrolling in Medicare for Baby Boomers
If you are a Baby Boomer, it’s your time! Why? Until the year 2030, 10,000 people daily will turn 65. Lucky you! When that happens, you will be eligible for MEDICARE. The government’s book on Medicare is more than 100 pages! And it’s boring. Below is my condensed version, more like a Reader’s Digest article. What we are reviewing in this article is […]Read More
Your PPO Can Save You a Lot – If You Use It Properly
Use of PPO Networks Reduces Medical Bills Jacki called. “Why aren’t my medical bills reduced?” She asked why she was getting a big bill from the doctor, and asked “I thought having a health plan would reduce my medical bills!” The Short Answer to Reducing Medical Bills It’s a common question, especially from people who do not go to […]Read More
“Short-Term” Health Plans – Better Fit for You and Your Family?
Not all health insurance plans are created equal Some health plans are meant to cover you and your small business for a very long time, and others are meant to cover you for short terms, and others only cover limited conditions. However, just like long term plans, there are hidden pitfalls that you might not […]Read More
Obamacare (A.C.A.), Medical Cost-Sharing Plans, and even more…with Help Insure Us
Which Type of Health Plan offers Small Business owners the Best Value? Unless small business owners are receiving subsidies from the government to help pay for your Obamacare plan, some of you are having to pay upwards of $20,000 dollars a year for Obamacare coverage. And you STILL have to meet a deductible before they pay […]Read More
Should I Ask for the Cash Price at My Doctor’s Office?
What happens if a PROVIDER joins a provider network such as a CIGNA HMO or PHCS PPO or BC/BS HMO? Answer: The provider has agreed on “negotiated” pricing for patients with a health plan using those networks. FACT: Negotiated rates paid by YOUR HEALTH PLAN to doctors are sometimes more than the cash price […]Read More