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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 vs PPO

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...

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 the difference between an HMO, a PPO and an EPO? HMOYou cannot go outside the plan's network (except for emergencies) and you need a referral from...

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 help the...