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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 confusing. 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 (Hint: See #3): #1 - Do the research yourself.  Research is great, but in effect, you...

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?

Here's the main difference between an HMO and PPO: PPO - You can go to specialists without a referral and you can go outside the plan's provider network, although you'll have considerably more out-of-pocket expense if you do that. HMO - You have a primary care...

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...