Category: Uncategorized

  • Best Practices for Understanding Health Insurance Terminology 

    Best Practices for Understanding Health Insurance Terminology 

    If you’ve ever purchased health insurance, you likely have encountered terms and concepts you didn’t understand. It can be tough to navigate the complicated language of health insurance policies, but understanding these terms is critical for making an informed decision about your coverage.  Health insurance is all about managing risk. As such, it bears a…

  • 10 Practical Solutions for Your Family Coverage Health Insurance 

    10 Practical Solutions for Your Family Coverage Health Insurance 

    Health coverage for a family can be overwhelming and expensive if you don’t know what to consider. With the dizzying array of options available, it can be hard to figure out which choice is best for your family’s needs and budget. However, there are a few practical steps you can follow to make sure that…

  • Healthcare Plans 101: A Beginner’s Guide to the Different Types 

    Healthcare Plans 101: A Beginner’s Guide to the Different Types 

    Do you feel overwhelmed by the numerous available healthcare plans and need clarification about which one to choose? With so many options, it’s not uncommon to feel this way. However, understanding the different types of healthcare plans can make all the difference in selecting the right one.  What is Healthcare?  Healthcare refers to the services…

  • Why Your Employees Need Health Insurance

    Why Your Employees Need Health Insurance

    In today’s competitive business world, businesses are exploring different ways to retain their valued employees. One such method is offering them health insurance benefits. This can significantly affect an employee’s decision to stay with your company. This is because it provides the peace of mind knowing they have access to quality healthcare. Health insurance not…

  • How to Plan Your Health Insurance Budget

    How to Plan Your Health Insurance Budget

    Good health is essential to happiness but can also be a significant expense. Health insurance is a great way to help manage your healthcare costs and ensure you have the coverage you need. But how do you plan a health insurance budget? The following are some helpful tips to get you started.  The Need for…

  • The 8 Most Common Health Insurance Myths Explained

    The 8 Most Common Health Insurance Myths Explained

    It can be difficult to understand the ins and outs of health insurance, especially when there are a lot of myths that can lead to confusion. Read on as we dispel some of the most common health insurance myths so that you can feel more informed and empowered when making decisions about your coverage.  Myth…

  • 10 Features of the Best Individual and Family Healthcare Plans 

    10 Features of the Best Individual and Family Healthcare Plans 

    Healthcare plans are an essential investment for individuals and families alike. When selecting the best plan, there are numerous factors to consider to get the most bang for your buck. From the cost of the plan to coverage of pre-existing conditions, a thorough understanding of the available healthcare plans is essential.  So if you’re looking…

  • 11 Ways Health Insurance Can Increase Your Productivity 

    11 Ways Health Insurance Can Increase Your Productivity 

    Health insurance is an important tool for individuals and businesses alike. It can protect you and your family in the event of an unexpected illness or injury and help reduce healthcare costs. In addition to providing financial security, health insurance can also help to increase your productivity.  Let’s explore the eleven ways health insurance can…

  • Get 50% Less On Health Insurance Premiums – Absolute Guide You Must Know

    Get 50% Less On Health Insurance Premiums – Absolute Guide You Must Know

    The cost of health insurance premiums can be a significant financial burden for many individuals and families. According to research by the Kaiser Family Foundation, the average annual premium for employer-sponsored health insurance in 2020 was $7,470 for single coverage and $21,342 for family coverage.  With the rising cost of healthcare, finding ways to save…

  • 10 Telltale Signs You Need Health Insurance 

    10 Telltale Signs You Need Health Insurance 

    Do you know the true value of health insurance? With preventive measures and vaccinations, you can lower your risk of illness or injury. But what would you do if such a situation occurred? Can you cover the medical costs that follow?  Health insurance covers hospital bills and other medical expenses up to a certain amount.…

  • A Guide to Health Insurance for the Self-Employed 

    A Guide to Health Insurance for the Self-Employed 

    For the self-employed, navigating the world of health insurance can be daunting. With so many different options, it’s hard to know where to start. Luckily, this guide to health insurance for the self-employed can help make the process easier. We’ll cover the basics of health insurance, the different types of plans available for the self-employed,…

  • How To Optimize Your Health Insurance Policy – 15 Useful Tips 

    How To Optimize Your Health Insurance Policy – 15 Useful Tips 

    Health insurance is a crucial part of our lives as it provides financial protection against any medical emergencies that may arise. However, choosing the right health insurance policy can be a daunting task, and getting lost in the complexity of the policy’s terms and conditions is quite easy. This article will guide you on optimizing…

  • Breaking Down the Basics: A Beginner’s Guide to Types of Health Insurance Coverage 

    Breaking Down the Basics: A Beginner’s Guide to Types of Health Insurance Coverage 

    Are you confused about the different types of health insurance coverage available? Do you want to make sure you’re getting the right coverage for your needs? Understanding the basics of health insurance can be overwhelming, but it is essential to protecting your health and finances.  Whether you’re trying to choose a health insurance plan for…

  • Are You Covered Under Health Care Insurance – 10 Tips for You

    Are You Covered Under Health Care Insurance – 10 Tips for You

    When it comes to your health, there is no price tag for peace of mind. With the escalating costs of medical care, health insurance can be a lifesaver. Health care insurance provides financial protection in case of an unexpected injury or illness, so it’s vital to ensure you have the right coverage and plan that…

  • 12 Questions You May Be Afraid to Ask About Health Insurance

    12 Questions You May Be Afraid to Ask About Health Insurance

      Health insurance can be a confusing and intimidating topic, but it doesn’t have to be. Knowing the answers to these 12 questions can help you make smart decisions about your health care coverage.  What is the difference between an HMO and a PPO?  An HMO (Health Maintenance Organization) is the type of insurance plan…

  • 10 Best Group Insurance Plans for Small Business – Essential Things To Know 

    10 Best Group Insurance Plans for Small Business – Essential Things To Know 

    Group insurance can be critical to protecting your small business and its employees. From providing access to excellent healthcare coverage to offering financial protection in the event of an accident or illness, group insurance can provide peace of mind for employers and employees alike. But with so many plans available, how do you choose the…

  • Top Features to Look for in Your Health Insurance Plan + Free Health Insurance Quote 

    Top Features to Look for in Your Health Insurance Plan + Free Health Insurance Quote 

      Health insurance is an essential part of life, as it gives you financial protection against unexpected medical expenses. However, with so many available health insurance plans, it can be quite the challenge to find the best one for your needs. In this article, we’ll explore the top features to look for in a plan…

  • The ABCs of Health Insurance: Types, Coverage, and Costs Explained

    The ABCs of Health Insurance: Types, Coverage, and Costs Explained

    Health insurance can be a complex and confusing topic. Do you ever find yourself unsure about what type of coverage you have, what it includes, or how much it costs? You’re not alone.  If you are looking to enroll in or change your health insurance plan, it’s essential to understand the basics. We’ll break down…

  • Seven Features of the Best Health Insurance Providers in the US

    Seven Features of the Best Health Insurance Providers in the US

    Health insurance is a vital aspect of healthcare in the United States, where the costs of medical treatment can be astronomical. There are numerous health care providers in the US, making it challenging to find the right one for your needs. However, some specific features differentiate the best health insurance providers from the rest. In…

  • How to Benefit from Your Chosen Group Health Insurance Plan

    How to Benefit from Your Chosen Group Health Insurance Plan

    Group health insurance plans are an excellent benefit for many employees. These plans can help cover medical expenses, making healthcare more affordable and accessible. Sadly, not all group health insurance plans are created equal, and not all employees take advantage of their benefits. In this article, we will discuss how to benefit from your chosen…

  • Explore Free Health Care Insurance Quotes to Choose the Right One

    Explore Free Health Care Insurance Quotes to Choose the Right One

    When securing our health and well-being, having access to quality health care is essential. But for many of us, the cost of medical care can be prohibitively expensive. Fortunately, with various health insurance plans now available, you can find an affordable solution that suits your needs. Here’s how to explore free healthcare insurance quotes and…

  • 7 Simple Steps to Provide Employee Health Insurance Plans – Your Absolute Guide

    7 Simple Steps to Provide Employee Health Insurance Plans – Your Absolute Guide

    [vc_row][vc_column][vc_column_text]Employee health insurance plans are an essential part of any successful business. Offering these plans to employees can give them access to healthcare services and provide the company peace of mind that their staff is cared for. But how do you go about setting up a plan for your business?  Don’t worry, we have you…

  • The Role of Technology and Data Analytics in Shaping the Future of Family Health Insurance

    The Role of Technology and Data Analytics in Shaping the Future of Family Health Insurance

    [vc_row][vc_column][vc_column_text]As technology continues to advance at an unprecedented rate, the healthcare industry is also changing rapidly, with new tools and solutions emerging every day to help us better understand and manage family health insurance One area where this is particularly evident is in the realm of health insurance, where technology and data analytics are already…

  • What is the Average Cost of Health Insurance for Small Businesses

    What is the Average Cost of Health Insurance for Small Businesses

    [vc_row][vc_column][vc_column_text]The cost of health insurance for small businesses can vary depending on factors such as company size, employee pre-existing conditions, and eligibility requirements. This article explores the different types of health insurance available for small businesses and aspects that influence the cost to help employers make informed decisions about coverage.  Overview of Small Businesses Small…

  • 10 Ways to Maximize Your Health Insurance Benefits

    10 Ways to Maximize Your Health Insurance Benefits

    When it comes to health insurance, many people think of it as a necessary expense rather than a tool to help them stay healthy. However, understanding your individual health insurance benefits and how to maximize them can make a significant difference in your overall health and well-being. Here are ten ways to get the most…

  • The Role of Technology and Data Analytics in Shaping the Future of Family Health Insurance

    The Role of Technology and Data Analytics in Shaping the Future of Family Health Insurance

    As technology continues to advance at an unprecedented rate, the healthcare industry is also changing rapidly, with new tools and solutions emerging every day to help us better understand and manage family health insurance One area where this is particularly evident is in the realm of health insurance, where technology and data analytics are already…

  • The Importance of Shopping for Health Insurance

    The Importance of Shopping for Health Insurance

    The average cost of health insurance in the United States varies based on many factors such as age, location, plan type, and other individual factors. However, according to the Centers for Medicare and Medicaid Services (CMS), the average cost of health insurance premiums for individuals in 2021 was $452 per month, and the average cost…

  • The Role of Health Insurance in Managing Chronic Conditions

    The Role of Health Insurance in Managing Chronic Conditions

    Chronic conditions, such as diabetes, heart disease, and arthritis, can have a significant impact on a person’s health and quality of life. These conditions often require ongoing medical care, including doctor visits, medications, and other treatments, which can be expensive over time. In this context, health insurance can play an important role in helping individuals…

  • The Importance of Preventive Care and Wellness

    The Importance of Preventive Care and Wellness

    Preventive care and wellness are critical components of a healthy lifestyle and can help individuals avoid or manage chronic conditions, improve your overall health and well-being, and reduce healthcare costs. What is Preventive Care? Preventive care refers to medical services and screenings that are designed to detect and prevent disease before it becomes more serious…

  • What You Need to Know About Mental Health Insurance

    What You Need to Know About Mental Health Insurance

    It is critical to have mental insurance coverage on your policy. It ensures that individuals have access to needed mental health care, including psychotherapy, medication, and inpatient services if necessary. This can be especially important for those who suffer from mental illness and need ongoing care to manage their condition. Having mental health insurance coverage…

  • Should My Small Business Hire Remote Workers?

    Should My Small Business Hire Remote Workers?

    For better or worse, there was an unintended consequence to the COVID-19 pandemic. More small businesses in the U.S. are hiring remote workers. In fact, over the last year, the number of remote workers in the U.S. has grown to 30 percent. Furthermore, many companies have decided to keep their employees home instead of returning…

  • How to Offer Affordable Group Health Insurance

    How to Offer Affordable Group Health Insurance

    If you operate a small business – i.e., 50 employees or less – you are not required to offer insurance to your employees. However, there are numerous benefits to providing group health insurance, including tax breaks and saving money on your individual health insurance. The challenge you may currently face is finding group insurance that…

  • How to Read Your Health Insurance Summary of Benefits

    How to Read Your Health Insurance Summary of Benefits

    Do you know how to read your Summary of Benefits and Coverage document (or SBC)? It is a consumer-facing document outlining the coverage provided by a health insurance plan. Devoid of legalese, this summary helps to clarify the cost-sharing structure of a plan without the need to digest lengthy fine print from an insurer. The…

  • How to Review Your Health Insurance for Open Enrollment

    How to Review Your Health Insurance for Open Enrollment

    Now that open enrollment is officially closed, your health insurance plan is ready for the next year. That means that you can’t make any changes to your policy until the 2022-2023 open enrolment period. However, if you have private personal or small group health insurance, you have the flexibility to make adjustments to your policy…

  • Open Enrollment Ends January: Don’t Miss Out

    Open Enrollment Ends January: Don’t Miss Out

    If you haven’t enrolled in a health insurance plan in 2023, it’s not too late. Open enrollment doesn’t end in most states until January 15th. That means you still have ten days to find a provider and get a health plan. If you don’t know where to start, one of the best ways to get…

  • How to Get Started with Small Group Health Insurance

    How to Get Started with Small Group Health Insurance

    If your business has employees, you may consider providing health insurance for your organization. However, there are several things you need to consider before offering health insurance to your team. For instance, can you legally provide insurance, where do you find a good plan, what options are available, and, most importantly, how does it all…

  • Small Business Health Insurance End-of-Year Checklist

    Small Business Health Insurance End-of-Year Checklist

    Congratulations! If you are one of the many small business owners that purchased health insurance for your team, then you are taking a huge step forward for your business and your people. However, you’ve probably noticed that there are some challenges to providing health insurance. You may also be wondering when you’ll need to update…

  • Common Health Insurance Terms You Should Know

    Common Health Insurance Terms You Should Know

    The health insurance industry has its own language. Terms that professionals use every day may be unknown to people looking for a health insurance policy for themselves, their family, or employees. If you need health insurance, you owe it to yourself to learn a few common health insurance terms. Below we look at some terms…

  • Don’t Forget the 2022 Open Enrollment for Health Insurance

    Don’t Forget the 2022 Open Enrollment for Health Insurance

    Every year, employees have the option to change their medical coverage during “open enrollment.” Open enrollment for small employers usually is the month before the policy’s renewal date and lasts about one or two weeks. During this time, employees receive plan materials, have a chance to ask questions about plan choices, and enroll in a…

  • How to Prepare for Open Enrollment for Health Insurance

    How to Prepare for Open Enrollment for Health Insurance

    Whether you are updating your current coverage or enrolling in a personal health insurance plan for the first time, open enrollment is right around the corner. Now is the time to get prepared so that you can get a plan that works for you without waiting. Below we provide some tips on how to prepare…

  • Do I Have to Wait Until Open Enrollment to Get Personal Health Insurance?

    Do I Have to Wait Until Open Enrollment to Get Personal Health Insurance?

    Do I Have to Wait Until Open Enrollment to Get Personal Health Insurance? Open Enrollment for the 2022 Affordable Care Act ended on December 15th, 2021. That means you have to wait until the next Open Enrollment period starts on November 1st, 2022, to change your health insurance plan or enroll in a new one.…

  • How to Change Your Health Insurance

    How to Change Your Health Insurance

    Health insurance is complicated. With so many numbers and coverage details to keep track of, you’re not alone if you find it hard to keep everything straight. Maybe you visit the doctor and don’t have the benefits you think you did. Or maybe you’re pregnant and unsure how a new baby might change your coverage…

  • Pros and cons of PPO plans

    Pros and cons of PPO plans

    If you know someone who has health insurance through their employer, there’s a good chance their group plan is a preferred provider organization (PPO) plan. While a PPO is a popular type of health plan in the U.S., it can come with some drawbacks. What is a preferred provider organization (PPO) plan? A PPO plan…

  • Will My Health Insurance Premiums Go Up if I File a Claim?

    Will My Health Insurance Premiums Go Up if I File a Claim?

    Most people are fairly used to the idea that a major claim on their car insurance or homeowners policy could trigger a premium increase (note that this certainly isn’t always the case). So, it’s a common misconception that the same is true for health insurance. But that’s not the case, and it wasn’t the case…

  • Important Health Insurance Questions For Small Business Employees

    Important Health Insurance Questions For Small Business Employees

    Open Enrollment is a great opportunity to review your small business health insurance. While you can always enroll in a small business health insurance plan at any point throughout the year, this is the perfect time to ensure your health insurance plan meets your needs. We’ll dig into important coverage questions to ask your employees.…

  • How to Buy Health Insurance if You Don’t Qualify for a Subsidy

    How to Buy Health Insurance if You Don’t Qualify for a Subsidy

    A health insurance subsidy provides tax credits to qualifying individuals to make monthly health insurance premiums more affordable. If your annual income is too high to qualify for a subsidy, you can shop for more affordable alternatives, such as short-term plans, to fulfill your health insurance needs until you can purchase more comprehensive coverage. Who…

  • Can I Use My Health Insurance After a Car Accident?

    Can I Use My Health Insurance After a Car Accident?

    When you suffer injuries after a car accident, the extent of your medical bills can quickly become overwhelming. For those who are unable to work due to their injuries, it’s even more stressful knowing you don’t have an income to help cover your medical care. But what about your insurance? Depending on the type of…

  • When Should I Offer Group Health Insurance?

    When Should I Offer Group Health Insurance?

    Businesses come in all sizes and with varying numbers of employees. And the classification of small businesses and large businesses differ widely depending on the agency or purpose. For example, small to mid-sized businesses fall into three distinct categories Businesses with less than 50 employees Businesses with 50-99 employees Businesses with 100 or more employees…

  • How to Stay Healthy During the Hot Summer Months

    How to Stay Healthy During the Hot Summer Months

    Summer is the perfect time to get out of the house and spend time outside, soaking up the fresh air and essential vitamin D from the sun. However, spending too much time in hot weather can be dangerous for everyone and lead to detrimental health risks. While the elderly, children and people with pre-existing medical…

  • What Is Medical Prior Authorization and How Does It Work?

    What Is Medical Prior Authorization and How Does It Work?

    Your health insurance company may require approval before you schedule an exam or treatment from a medical provider. This type of approval is known as prior authorization.  Prior authorization is not required for emergency or urgent care at emergency rooms or Urgent Care facilities. Prior authorization won’t prevent you from getting emergency room services. However,…

  • How to Get Health Insurance if You Are Self-Employed

    How to Get Health Insurance if You Are Self-Employed

    Are you self-employed? Do you work by contract, or are you freelancing? If so, did you know that you can still get an individual health insurance plan in your state? What are your options in the world of health care? Below, we go in-depth into how to get health insurance if you are self-employed. Being…

  • Do I Have to Wait for Open Enrollment to Get Small Group Health Insurance?

    Do I Have to Wait for Open Enrollment to Get Small Group Health Insurance?

    There is no open enrollment period for small group health insurance. You can enroll anytime during the year if your company or employees qualify. You do not have to wait until open enrollment to get the coverage you need for your team. Simply contact your health insurance broker and let them help you find the…

  • Benefits of High-Deductible Insurance for Healthy People

    Benefits of High-Deductible Insurance for Healthy People

    A high-deductible health insurance plan (HDHP) is an individual health insurance policy with a deductible of at least $1400 ($2800 for family health insurance). The deductible is how much you will pay out of pocket for medical service before your insurance company pays the rest. Essentially, you pay the first wave of expenses up to…

  • 3 Tips for Creating a Healthier Work Environment

    3 Tips for Creating a Healthier Work Environment

    People often do things that promote unhealthy lifestyles and then wonder why their doctor bills are high, and their health insurance rates keep going up. Sure, some of the rising costs of healthcare can be blamed on the industry. However, living healthy can cut down on healthcare costs. The same principle rings true at work…

  • How to Eat a Diet That’s Healthy for Your Heart

    How to Eat a Diet That’s Healthy for Your Heart

    Your heart spends every second of the day working hard for your body, and it’s up to you to treat it right. When it comes to heart health, the old adage of “food as medicine” rings true — people who follow a heart-healthy diet have a 31% lower risk of heart disease. You’ll also be…

  • 5 Practical Ways to Boost Your Energy This Summer

    5 Practical Ways to Boost Your Energy This Summer

    There are several reasons you may feel tired all the time: poor diet, lack of sleep, stress, long hours at work, or no exercise. Whatever is keeping you down, your energy level will be challenged even more this summer, as temperatures continue to rise.  While you may turn to energy drinks, coffee, or stimulants there…

  • Why You Should Include Health Insurance in Your Financial Planning

    Why You Should Include Health Insurance in Your Financial Planning

    The primary purpose of health insurance is to reduce the cost of healthcare. This function is why you need to include health insurance in your financial planning. As with a savings account, IRA, or life insurance, health insurance provides a financial safety net when you least expect it and need it most. Health insurance can…

  • Your Guide to Taking Prescription Medication

    Your Guide to Taking Prescription Medication

    One of the reasons prescription medication can be lethal or ineffective is that patients do not use it as prescribed. There are several reasons for this problem. Either the doctor misdiagnosed the problem, prescribed the wrong medication, or gave the wrong directions to the patient.  Or it could be that the patient did not follow…

  • What Is a Health Insurance Broker?

    What Is a Health Insurance Broker?

    Whether you are trying to get personal health insurance or group health insurance for your employees, finding an affordable policy that meets your health needs can be challenging. If you’ve never had insurance before, it is crucial to ask the right questions and know what you are looking for when comparing providers. Health insurance brokers…

  • Guide to Paying Medical Bills

    Guide to Paying Medical Bills

    If death and taxes are two things that no one can avoid, medical bills could be a close third. The average person pays nearly $13,000 in medical costs. Rarely are these costs paid upfront. Instead, the insurance provider bills you and then you go through figuring out how much coverage your health insurance company provides.…

  • Why Did My Health Insurance Premium Go Up?

    Why Did My Health Insurance Premium Go Up?

    If you have health insurance, you may have received a renewal bill and asked yourself, “Why did my insurance premium go up?” Some premium increases occur as a result of across-the-board rate increases, which happen when an insurer decides on a new rate plan for that year Other premium increases have more to do with…

  • What Should I Do if My Doctor is Out-of-Network?

    What Should I Do if My Doctor is Out-of-Network?

    One of the most common mistakes people make when enrolling in or updating a health insurance plan is assuming that their doctor or healthcare provider is part of the network. They often experience shock when they pay up to 100 percent of their medical bill because they have an out-of-network doctor. If you encounter a…

  • 6 Health Insurance Benefits Employers Shouldn’t Overlook

    6 Health Insurance Benefits Employers Shouldn’t Overlook

    As an employer, you face the same task every year: what to add, delete, or update from your employee health insurance benefit. The biggest challenge is balancing benefits with the budget. While you want to give your employees the best possible benefits, you also need to keep your business running. So, you inevitably have to…

  • What Is Major Medical Health Insurance?

    What Is Major Medical Health Insurance?

    Major medical health insurance covers essential benefits for individual and family health insurance plans. Many individuals and families select major medical coverage to ensure medical expenses are covered regardless of the medical. It is important to make sure that you understand what major medical benefits are included in your health insurance plan. Speak with your…

  • What Is an Individual Coverage Health Reimbursement Arrangement (ICHRA)?

    What Is an Individual Coverage Health Reimbursement Arrangement (ICHRA)?

    An individual coverage health reimbursement arrangement (ICHRA) allows employers to reimburse employees for premiums they pay for personal health insurance. Employers can reimburse employees for individual market premiums regardless of the company size. Under the newest regulations, there is more flexibility for how much reimbursement an employee can receive or what type of coverage they…

  • What Emergencies Should Health Insurance Cover?

    What Emergencies Should Health Insurance Cover?

    It may shock you that your health insurance provider does not provide health insurance coverage for all emergencies. Many patients may have to pay out of pocket because they went to the ER only to find out that their emergency was considered an emergency by the insurance provider. The lesson here is never to assume…

  • Does Health Insurance Cover Allergies?

    Does Health Insurance Cover Allergies?

    Springtime means warmer weather, spring break vacation, outside activities, and allergies. The biggest spring allergy trigger is pollen. Trees, grasses, and weeds release grains that get into your nose and wreak havoc on your body. What should be an enjoyable season can turn into a miserable period of health problems. What’s worse, however, is when…

  • What Are Telehealth Services?

    What Are Telehealth Services?

    There’s nothing new about telehealth services. Medical professionals have been using video to communicate with patients for over 20 years. What is new is the current trend in telehealth services that have exploded over the last two years.  The main reason for the trend is the COVID-19 pandemic. Since the coronavirus caused many people to…

  • How to Get Health Insurance If You Are a Full-Time RVer

    How to Get Health Insurance If You Are a Full-Time RVer

    One of the biggest trends for American families today is full-time RVing. According to the RV Industry Association, about a million Americans live full-time in recreational vehicles. They are traveling nurses, retirees, digital nomads, and people who have taken on remote jobs in just about every industry. Like anyone else, full-time RVers need individual or…

  • This is one secret the IRS doesn’t want you to know about your health insurance.

    This is one secret the IRS doesn’t want you to know about your health insurance.

    Tax Season is here, which means that it’s the time of the year to pay your federal and state taxes. However, there may be more ways to save on tax season this year that the IRS is not telling you. When you pay your health insurance premiums and medical expenses out-of-pocket, these expenses are considered…

  • Are Mental Disorders Covered by Health Insurance?

    Are Mental Disorders Covered by Health Insurance?

    Yes. Health Insurance covers certain mental disorders at various levels and under certain conditions. Before you enroll in a health insurance plan, you need to ensure the provider covers your or a loved one’s condition. If you don’t know where to look for an appropriate provider, check with a health insurance broker in your state. …

  • How to Understand Medical and Billing Codes

    How to Understand Medical and Billing Codes

    One of the great mysteries in the medical world is medical and billing codes. Most patients (and some professionals) have no idea what the codes mean. As a result, numerous billing errors occur, costing individuals and companies thousands of dollars in medical expenses.  The best way to avoid billing errors is to consult a health…

  • How Much Do I Save by Having Health Insurance?

    How Much Do I Save by Having Health Insurance?

    The most common concern that people have with individual or group health insurance is whether it will actually save money on healthcare costs. It’s a fair question and one that needs to be answered regularly. It’s the reason why many people turn to a health insurance broker when they need coverage.  Simply put, health insurance…

  • Are Insured Employees Better Employees?

    Are Insured Employees Better Employees?

    There is no question that small group health insurance benefits employees. Workers with health insurance are happier, more productive, and can sleep at night knowing that they and their families have coverage when they need it.  However, what about small businesses? Is there a health ROI of providing health insurance for employees? What’s in it…

  • How to Keep Your Health Insurance Claim from Being Denied

    How to Keep Your Health Insurance Claim from Being Denied

    It can be frustrating trying to deal with a health insurance adjuster after the insurer denied your recent health insurance claim. The problem inevitably becomes a wrestling match between you, the insurance company, and your health insurance broker. It can take several months for you to finally win your case or get compensation for your…

  • How to Get Started with Small Group Health Insurance

    How to Get Started with Small Group Health Insurance

    If your business has employees, you may consider providing health insurance for your organization. However, there are several things you need to consider before offering health insurance to your team.  For instance, can you legally provide insurance, where do you find a good plan, what options are available, and, most importantly, how does it all…

  • Tips for Reviewing and Updating Your Health Insurance Plan

    Tips for Reviewing and Updating Your Health Insurance Plan

    Now that open enrollment is officially closed, your health insurance plan is ready for the next year. That means that you can’t make any changes to your policy until the 2022-2023 open enrolment period. However, if you have private personal or small group health insurance, you have the flexibility to make adjustments to your policy…

  • Everything You Need to Know About Private Health Insurance in 2022

    Everything You Need to Know About Private Health Insurance in 2022

    If you are like many people in need of health insurance, you may be scrambling to find a solid ACA health plan before open enrollment ends. However, did you know that Obamacare is not your only option for getting coverage? You are also eligible to get private personal or small business health insurance year-round.  Private…

  • Open Enrollment Ends January 15, 2022: Don’t Miss Out

    Open Enrollment Ends January 15, 2022: Don’t Miss Out

    If you haven’t enrolled in a health insurance plan in 2022, it’s not too late. Open enrollment doesn’t end in most states until January 15th. That means you still have ten days to find a provider and get a health plan. If you don’t know where to start, one of the best ways to get…

  • Why Is There Open Enrollment for Health Insurance?

    Why Is There Open Enrollment for Health Insurance?

    The health system put the open enrollment period to discourage adverse selection – which happens when sick people sign up for health insurance and healthy people don’t. It reduces the financial risk a health plan takes when insuring individuals or small businesses. It also helps protect you from not having health insurance when you incur…

  • Don’t Forget the 2021 Open Enrollment for Health Insurance

    Don’t Forget the 2021 Open Enrollment for Health Insurance

    Every year, employees have the option to change their medical coverage during “open enrollment.” Open enrollment for small employers usually is the month before the policy’s renewal date and lasts about one or two weeks. During this time, employees receive plan materials, have a chance to ask questions about plan choices, and enroll in a…

  • Close Out 2021 With This Small Business Year-End Checklist

    Close Out 2021 With This Small Business Year-End Checklist

    While many people think about holiday celebrations and new year’s resolutions this time of year, your focus is on year-end business planning for your small business. Part of planning involves closing out the current year while creating your strategy for the upcoming year.  A clear business vision for 2022 will give you a head start…

  • 5 Tips for Preparing Your Small Business for 2022

    5 Tips for Preparing Your Small Business for 2022

    Congratulations! Your small business has made it through 2021. However, if you are a successful business owner, your mind is already on what lies ahead in 2022. You may be considering all the possibilities and challenges you will face over the 12 months. Regardless of the good, the bad, and the ugly, you have some…

  • How Small Business Owners Can Enjoy the Holidays

    How Small Business Owners Can Enjoy the Holidays

    For many small business owners, the holidays present an opportunity to increase their market, boost their sales, get their affairs in order, and plan for the upcoming year. However, it can also create a tremendous amount of stress. If you are not careful, the holidays will pass you by, and you will have missed out…

  • Why Your Small Business Should Hire Interns

    Why Your Small Business Should Hire Interns

    Over the last few years, a range of highly-publicized issues has surrounded internship programs and whether they are good for business and interns. Regardless of the issues, many small business owners have launched internships to create win-win situations for students entering the workforce and their businesses. Like any other stage of business growth, internships present…

  • 7 Common Characteristics of Successful Small Business Owners

    7 Common Characteristics of Successful Small Business Owners

    Small business owners must embody and use various skills and traits to keep their businesses in operation. Every business is unique and poses its challenges, but there are traits that many successful business owners have in common.  Whether it’s struggles over payroll, disappointing results from a marketing campaign, or just bad weather that ruins an…

  • What Small Business Tasks Should I Outsource?

    What Small Business Tasks Should I Outsource?

    As a small business owner, there are certain areas where you are limited – knowledge, resources, time, or workforce. It’s in these areas that you may want to consider outsourcing your tasks instead of trying to take them on in-house.  Outsourcing your tasks can free up time and internal resources while putting important items not…

  • Is the 2022 Health Insurance Open Enrollment Period Extended?

    Is the 2022 Health Insurance Open Enrollment Period Extended?

    The health insurance Open Enrollment Period for 2022 is typically only six weeks long, making Americans choose health insurance coverage faster. However, there may be some flexibility with the upcoming enrollment period This year, ten states and Washington, D.C. set new deadlines that extended beyond the federal government’s 2022 timeline. Whether looking for personal health…

  • How to Prepare for Open Enrollment for Health Insurance

    How to Prepare for Open Enrollment for Health Insurance

    Whether you are updating your current coverage or enrolling in a personal health insurance plan for the first time, open enrollment is right around the corner. Now is the time to get prepared so that you can get a plan that works for you without waiting. Below we provide some tips on how to prepare…

  • Do I Have to Wait for Open Enrollment to Get Small Group Health Insurance?

    Do I Have to Wait for Open Enrollment to Get Small Group Health Insurance?

    There is no open enrollment period for small group health insurance. You can enroll anytime during the year if your company or employees qualify. You do not have to wait until open enrollment to get the coverage you need for your team. Simply contact your health insurance broker and let them help you find the…

  • Do I Have to Wait Until Open Enrollment to Get Personal Health Insurance?

    Do I Have to Wait Until Open Enrollment to Get Personal Health Insurance?

    Open Enrollment for the 2021 Affordable Care Act ended on December 15th, 2020. That means you have to wait until the next Open Enrollment period starts on November 1st, 2021, to change your health insurance plan or enroll in a new one. However, open enrollment only applies to ACA health insurance, i.e., Obamacare insurance.  If…

  • Is Personal Health Insurance Available for Digital Nomads?

    Is Personal Health Insurance Available for Digital Nomads?

    Don’t be surprised if you see more computers in coffee shops, more RVs on the road, and a mass exodus out of the office. One of the unintended consequences of COVID-19 is the rise of digital nomads, remote workers who work anywhere but on-site. The digital nomad trend ranges from people who choose a different…

  • 5 Ways to Avoid Employee Misclassification

    5 Ways to Avoid Employee Misclassification

    In today’s employment landscape, there is a growing redefinition of independent contractor rights in the U.S. Independent contractor abuses have led many independent workers and freelancers to file lawsuits against employers, leading to a heightened awareness of worker misclassification issues. If your small business hires independent contractors, temporary workers, remote workers, or freelancers, it is…

  • Which Benefits Do Small Business Employees Value Most

    Which Benefits Do Small Business Employees Value Most

    Small business owners do not always have the resources to offer employees a full spectrum of competitive benefits. For this reason, smaller companies need to prioritize the benefits that matter the most. But, which benefits do actually matter most to employees today? More importantly, which benefits are going to attract the top talent in your…

  • How to Market Your Small Business in a Poor Economy

    How to Market Your Small Business in a Poor Economy

    The last two years have been brutal on small businesses. The Presidential election, COVID-19 pandemic, massive shift in remote employment, and the housing crisis have all created instability for startups and companies with 50 or fewer employees. Sadly, when the economy is experiencing a downturn, one of the first things that small businesses purge is…

  • Should My Small Business Hire Remote Workers?

    Should My Small Business Hire Remote Workers?

    For better or worse, there was an unintended consequence to the COVID-19 pandemic. More small businesses in the U.S. are hiring remote workers. In fact, over the last year, the number of remote workers in the U.S. has grown to 30 percent. Furthermore, many companies have decided to keep their employees home instead of returning…

  • 3 Tips for Creating a Healthier Work Environment

    3 Tips for Creating a Healthier Work Environment

    People often do things that promote an unhealthy lifestyle and then wonder why their doctor bills are high, and their health insurance rates keep going up. Sure, some of the rising costs of healthcare can be blamed on the industry. However, living healthy can cut down on healthcare costs. The same principle rings true at…

  • 12 Cost Cutting Ideas for Your Small Business

    12 Cost Cutting Ideas for Your Small Business

    When running a business, it is challenging to stay within your budget. Unforeseen costs can creep into your business cause you to drain your business account time and again. However, it is possible to cut costs in just about every area of your business. For instance, you may want to consult a health insurance broker…

  • How to Attract Talented People to Your Small Business

    How to Attract Talented People to Your Small Business

    How do small businesses turn into corporate giants? Every person in the organization is exceptionally talented at what they do and learns to be a team player. Unfortunately, high-caliber employees are not easy to find. In a world where people complain about not getting jobs, employers are also concerned about finding the best and brightest…

  • How Will COVID-19 Affect My Group Insurance Plan?

    How Will COVID-19 Affect My Group Insurance Plan?

    As a small business owner, you try to provide the best health insurance coverage possible for your employees while saving money on your group health insurance rates. However, the COVID-19 pandemic may have affected both your rates and your coverage. Is treatment for COVID-19 covered on your plan? What about vaccinations? It is essential to…