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The Facts Regarding Group Health Insurance

By |February 9th, 2022|Categories: Affordable Care Act, Florida Insurance, Group Insurance, Individual Insurance, Medicare, Small Business Health Reimbursement Arrangement|Tags: , , , , , |

There are many benefits to group health insurance plans. The cost savings are great, and it makes it possible for the employer and employees to afford the coverage. High insurance premiums can be crippling for both. Fortunately, these plans can help. Insurers often have lower rates because they can base their rates on the experience of the entire group. Read on to learn more about the benefits of group health insurance. Listed below are some of the best ones. Group insurance plans are more attractive for insurers because of their low cost, higher volume, and predictability. These factors make them ...

What to Consider When Selecting Insurance for Your Employees

By |February 2nd, 2022|Categories: Affordable Care Act, Florida Insurance, Group Insurance, Individual Insurance, Small Business Health Reimbursement Arrangement|Tags: , , , , , |

When it comes to health insurance, there are many options to choose from. You may be in a position to negotiate for lower premiums by joining a professional employer organization, but you still need to understand how it works. The best option for you and your employees is one that will cover all your employees' healthcare needs. If you're not sure where to begin, here are some things to consider. The size of the network will also impact the amount of money each employee has to pay out of pocket. It's important to understand what is covered by your health ...

Why Your ACA Premium Might Be Going Up For 2022

By |January 26th, 2022|Categories: Affordable Care Act, Florida Insurance, Individual Insurance, Medicare|Tags: , , , , |

The cost of your health insurance depends on whether you're paying full price or receiving a subsidy. If you're outside of the exchange, you'll be paying full price for your coverage. While you're in a tough spot, you have options for 2022. If you're inside the exchange, you may have lower premiums or a better choice. Read on to learn more about how your premium might change for this year and next. The average amount of premium increases in 2022 isn't that big. In some states, individual market premiums are up 15%. But silver plan rates are being changed in ...

Does Medicare Cover Hearing Aids?

By |January 19th, 2022|Categories: Affordable Care Act, Florida Insurance, Individual Insurance, Medicare|Tags: , , , , |

If you are a Medicare beneficiary, you may be confused about which hearing devices are covered by your insurance policy. While Original Medicare covers the costs of hearing aids and exams, it will not cover the costs of hearing aids or the fitting process. However, certain Medicare Advantage plans will cover the cost of hearing aids. For instance, if you use an in-network doctor, you may receive a free initial hearing exam. You may be able to get hearing health coverage under your Medicare plan if you are on a Medicare Advantage Plan. These plans are run by private insurance ...

What Age Can You Get Medicare?

By |January 5th, 2022|Categories: Affordable Care Act, Florida Insurance, Individual Insurance, Medicare|Tags: , , , , |

At what age can you get Medicare? This is a frequently asked question. Most people believe that you need to be old enough to have been diagnosed with a chronic illness to receive Social Security benefits. Unfortunately, this is not true. Even if you were diagnosed at a very young age, you can receive Medicare as an adult. The definition of "age" in Social Security does not begin with "born". Instead, it begins with the "last full-time job of the individual". Full-time employment is defined as hours worked each week. This includes unpaid time off for family and other domestic ...

What is a Whole Life Insurance Policy?

By |December 29th, 2021|Categories: Florida Insurance, Individual Insurance, Uncategorized|Tags: , , , , |

What is a whole life insurance policy? It is permanent life insurance that has "term" coverage. For example, if you die in a particular term, such as your golden years, your beneficiaries will receive payments that are the difference between the amount you paid into the insurance and the amount you would have received during that time. Whole life insurance policies are most useful for retirement or planning since the payout is often large. For many people, it is the best choice for protecting their financial interests throughout their lives. One question that many people ask about whole life insurance ...