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…
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…
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…
All it took was a few hours in the emergency department, a chest x-ray and three days as an in-patient with IV antibiotics and steroids to blow my budget out of the water. The deductibles and co-pays for that trip to the hospital took nearly a year to pay off, and several times I received…
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…
Just a week before the deadline, the push is on to sign up for the Affordable Care Act, also known as Obamacare. There are a number of reasons people are waiting, but not having healthcare coverage when you need it because you don’t think you can afford it, isn’t a good reason to let the…
“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…
“During 2013 my COBRA Healthcare Plan was manageable, but January 1st my premiums triple and the deductible/co-pays are exorbitant. I am still unemployed and don’t know what to do. What are my options?” There are a number of changes coming in 2014, including changes to the levels at which the Federal Government is funding Medicaid.…
“My family doesn’t have a lot of doctor visits, and we’re fairly healthy. How do I know which plan to choose?” There are four tiers of healthcare coverage to choose from, and a few other considerations. Michigan is not part of the nation-wide exchange program, but we still have the same options as far as…