949-300- 3022 neil@insurance-oc.com

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...

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...

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...

Health Insurance Rate Increases

Will Health Insurance premiums increase in 2017? Undoubtedly yes – but how much? There are average rate increases that are projected, both for the industry as a whole and for individual carriers such as Anthem Blue Cross, Blue Shield, etc., but how does that...