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Covid and its Impact on Health Insurance

By |May 25th, 2021|Categories: Affordable Care Act, Florida Insurance, Group Insurance, Individual Insurance, Medicare|Tags: , , |

One of the primary objectives of health insurance is to protect you in case something happens. Thus, a large part of the insurance plan's cost is paying claims. Insurance companies are constantly on the lookout for new ways to cut costs and limit their exposure in any given case. One of the ways that they do this is through "could impact on health insurance." Simply put, Covid impact describes a situation where the costs of your coverage may increase in the future, regardless of whether you ever need to file a claim. If, for instance, you have an accident ...

Covid-19 Vaccine Facts

By |May 13th, 2021|Categories: Affordable Care Act, Florida Insurance, Group Insurance, Individual Insurance, Medicare|Tags: , , |

One of the most talked about vaccines is the one known as the Coronavirus Vaccine. This deadly virus has been responsible for the deaths of millions of people around the world over the last twenty years. While the United States and many other countries have taken steps to limit its distribution, this vaccine is still being distributed widely to protect the American public. While it is true that this vaccine has been found to be effective in protecting children and adults, there are other important Coronavirus vaccine facts that should be known by every person who is planning on ...

Pre-Existing Conditions and The ACA Marketplace

By |May 11th, 2021|Categories: Affordable Care Act, Florida Insurance, Group Insurance, Individual Insurance, Medicare|Tags: , , |

The ACA Marketplace is an online portal that contains information on the various Medicare and Medicaid programs. Before enrolling with any plan, consumers need to know the type of coverage they need for their current health condition. There are seven different plans that are offered by the ACA Marketplace: Consumers are typically able to compare all the different ACA Marketplace plans with one simple click of a button. However, consumers need to know more about pre-existing conditions before signing up with any plan. Pre-existing conditions can negatively affect the cost and coverage of any policy. As such, consumers need ...

Pros and Cons of High Deductible Health Plans

By |April 27th, 2021|Categories: Affordable Care Act, Florida Insurance, Group Insurance, Individual Insurance, Medicare|Tags: , , |

In the United States, a high deductible health plan is basically a health insurance with higher premiums and fewer deductibles than a normal health plan. It is designed to encourage consumer-driven medical care. Being covered by an HDHP is a prerequisite for obtaining a health savings account with some health carriers. As such, it is an attractive incentive to get people to consider an HSA. Unfortunately, there are some disadvantages associated with having an HSA. These disadvantages could make an HSA more appealing than its other counterparts such as a high deductible health plan and a point-of-service (POS) plan. ...

How the American Rescue Plan Might Slash Insurance Premiums for Everyone

By |April 6th, 2021|Categories: Affordable Care Act, Florida Insurance, Individual Insurance|Tags: , , , |

The American rescue plan is a healthcare reform initiative being pushed by President Biden and his staff. They are hoping to make it a little more affordable for those who are uninsured or have not worked for a while. But how exactly does this plan work? Let us look. First, you might want to understand what the rescue plan is all about. The core of it is that any individual who is not covered under some type of preexisting condition will need to purchase insurance. To get this quote, you can visit an online website and enter your name, ...

How the New Affordable Care Act Fills In the Afternoon on Coverage Existing Through 2021

By |March 30th, 2021|Categories: Affordable Care Act, Florida Insurance, Group Insurance, Individual Insurance|Tags: , , |

The Aged and Disabled Insurance (ACD) Consumer Special Enrollment Period began on January 1, 2021 and ran through February 14, 2021. There is a lot of talk about the upcoming Aged and Disabled Insurance (ACD) Consumer Special Enrollment Period, as some see it as an opportunity to lobby for affordable health insurance for the elderly and disabled. Others view it as a time to let insurance companies know how important it is for them to provide affordable coverage for their customers. Some feel that the Aged and Disabled Insurance (ACD) Consumer Special Enrollment Period is unnecessary and a distraction ...