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Short Term Health Insurance

Click to Visit Short-Term Website - Apply Online! Click for YouTube Video re: Short Term 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...

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...

What is a “Mirrored” Plan?

Has your provider ever told you "We don't accept 'Mirrored' plans?" Here's what that means. First, you must understand that you can buy a health insurance plan either directly from a carrier (such as Anthem, Blue Shield, Health Net, etc) or you can buy through Covered...

Online Provider Directories

It's very important that you confirm your providers are in your health insurance plan network when you buy your plan. Since there is now an Open Enrollment period, once Open Enrollment ends, you cannot change your plan - even if you discover that your provider is not...

Blue Shield Cancels Grandfathered Plans for 2017

Blue Shield has begun sending notices to 2,062 grandfathered plan subscribers to inform them that their current Blue Shield of California health plan will no longer be available after December 31, 2016. The plans affected include *Active Start, Vital Shield, and...

Traps to Avoid During Open Enrollment

Open Enrollment exists for a reason, but there are 2 significant traps that it causes. Why do I call them traps? Because if you fall in, you can’t get out. However, these traps can be avoided. Trap #1 – Doctors: If you have any doctors that you want or need to be able...

Medicare Open Enrollment

Medicare Open Enrollment is October 15th - December 7th. Here are a few things you might consider... There are 3 types of Medigap Plans you might have: 1). Medicare Advantage Plan 2). Medicare Supplement Plan 3). Prescription Drug Plan 1). If you have a Medicare...

What is an EPO?

You're probably familiar PPO's (Preferred Provider Organizations) and HMO's (Health Maintenance Organizations) - but what is an EPO? An EPO (Exclusive Provider Organization) is a lot like an HMO, in that it will not provide benefits outside of the plan's network of...

Should you use an Insurance Broker?

Now that there are Open Enrollment periods, it’s more important than ever to use an insurance broker. Why? Because if you don’t purchase EXACTLY the correct plan, you could be stuck with that plan until January 1st of the following year. Here are some common errors...