Were you aware that you can get healthcare insurance outside of the ACA healthcare marketplace? One of the more popular routes people go through is an insurance agent or broker. Through them you can get assistance in finding the right plan to suits your needs, like short-term medical, accident, critical illness, or telemedicine. If going…
Did you know? Healthcare wasn’t always available to everyone. Hospital and medical expense policies were introduced during the first half of the 20th century. During the 1920s, individual hospitals began offering services to individuals on a pre-paid basis, eventually leading to the development of Blue Cross organizations in the 1930s. The first employer-sponsored hospitalization plan…
You went through the Healthcare.gov Marketplace, called your AC Financial Adviser and bought your healthcare coverage, but is that all you need? When it comes down to it, paying deductibles and coinsurance payments can be overwhelming. Then throw in even a one day hospital stay, with an average cost of $1,200 to $2,200 or an…
For the last week or so I’ve been receiving email and text messages about open enrollment for Health Care. Between November 15 and December 15 we have the opportunity to make changes to our health care plans for the 2015 coverage year. You might be wondering why you’d want to change? Perhaps the health care…
A friend of mine has a good friend who has skyrocketing healthcare costs because of a catastrophic illness. She’s hosting fundraising events to help her out, but even those will only help so much. In the end, her friend will be left with tens of thousands of dollars in bills to be paid. The sad…
It may seem like a long time, but in just a month it will be time again for the Open Enrollment Period for Health Care. On November 15th we have the opportunity to change or keep the coverage we’ve had for the last year. Now is the time to start thinking about whether or not…
“We’re a small company with only a handful of employees. We can’t afford to provide them benefits, but we’d like to offer them something. What can we do?” At Work Advantage is perfect for situations like yours. There is no cost to you as the employer, but the Voluntary Benefits provide a portfolio of insurances…
The deadline for open enrollment has passed, and you still need some type of coverage. You know accidents and unexpected illness can and often will happen between now and the next open enrollment period on November 15, 2014. What are your options? One option is Short Term Medical Insurance. It doesn’t meet the 10 Essential…
Although Monday is the deadline to enroll in a healthcare plan, there are still many people unsure of what to do. High deductible/low premium or low deductible/high premium plans have some of us confused. And, then there are the plans that seem to fit, but then have hidden costs, like a deductible for prescriptions that…
“My new job starts in a few weeks, then I have a 90 day probationary period before benefits start. I don’t want to sign up for the Affordable Care Act and purchase my own healthcare when I will have benefits with my new job. Is there an alternative?” Fortunately, there is an alternative. Short Term…