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Dental Solution

The problem with most dental plans is that they're developed in a such a way that you don't seem to get much of a benefit. For one thing, there are waiting periods for most everything other than a simple cleaning or consultation. You pay for the plan, but you can't...

Temporary Healthcare Dilemma and Solution

Clients are feeling the pinch of the government limiting choices for temporary health coverage. On April 1st of 2017, the Department of Health and Human Services imposed regulations limiting short-term medical coverage to a maximum three-month term of insurance...

Put Your Insurance to Work For You!

Many people make one or more mistakes when they use their Health Insurance or Medicare - and as a result, they end up paying part or all of the bill out-of-pocket. And there's nothing more annoying than paying for insurance and still having to pay out-of-pocket. So be...

How to Save Money When Buying Health Insurance

Currently, there are 4 levels of coverage in Health Insurance - Bronze, Silver, Gold and Platinum. Bronze has the lowest premium and has the highest co-pays and deductible while Platinum is the most expensive and has the lowest co-pays and deductible. In fact, Gold...

Affordable Care Act – Love it or Leave it?

This blog is not about politics, but rather attempts to address the facts as we know them. The biggest prizes in healthcare reform are 1) Coverage for people with pre-existing conditions and 2) Coverage for people that otherwise can't afford the premium. The reason...

Additional Income Stream from your Book of Business

If you have a book of business (whether you're an accountant, financial adviser, insurance agent, realtor, etc), you can very easily make additional income while helping (and retaining) your clients at the same time. 10,000 people turn 65 every day - so you...

The Best Way to Research Medicare

Let's face it - Medicare is daunting. There are so many rules, and it's difficult to know which of these rules apply to you. There are 3 basic ways you can go about getting informed: #1 - Do the research yourself.  Research is great, but in effect, you have to learn...

Short Term Health Insurance

Is your health insurance too expensive? Do you need coverage but we're outside open enrollment? Here's a solution - you can purchase temporary health insurance which is typically less expensive, and you can buy it anytime! Lloyd's of London offers such a plan - click...

How to Choose a Dental Plan

In choosing a dental plan, it's important to remember these basics... Dental PPO's generally have waiting periods before you can receive care (other than normal cleanings or simple fillings). You may have to wait 6 months to 1 year before getting major procedures such...

HMO – Should You Get One?

I've never been a huge fan of HMO's, but taking the Affordable Care Act into consideration, HMO's just moved up a notch. Why? Consider this... Under the ACA, provider networks have gotten very narrow, and many providers don't accept Mirrored Plans* or plans purchased...