Category: Uncategorized
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The Importance of Getting the Right Medication with a Doctor’s Prescription
Accessing the right medication can significantly impact your health and quality of life. While over-the-counter remedies can address minor issues, many health conditions require prescription medication tailored to your needs. Here’s why obtaining the right medication through a doctor’s prescription is critical and how to navigate the process effectively. Why Prescription Matters Accuracy and Personalization…
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Why Health Insurance is a Smart Choice: Key Benefits Explained
Health insurance coverage has become a vital component of financial planning and personal well-being. With rising healthcare costs and increasing medical advancements, having health insurance can make all the difference. But what exactly are the benefits of health insurance, and why should it be a priority? Here’s a deep dive into the key advantages of…
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The Essential Guide: Why Health Insurance is a Must During Open Enrollment
Open enrollment is a critical time each year when individuals and families can sign up for new health insurance plans or make changes to their existing coverage. If you’re without health insurance, open enrollment is often your only opportunity to enroll without facing restrictions or penalties. Even if you’re currently insured, this period is a…
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Healthy Meal Prep Ideas for a Balanced, Stress-Free Week
Healthy meal prepping can transform your eating habits, making it easier to stick to balanced nutrition and avoid the stress of last-minute cooking decisions. With just a little planning each week, you can fill your fridge with nourishing meals ready to enjoy. Here are some delicious, easy, and nutritious meal prep ideas to help you…
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Key Considerations for Choosing Health Insurance
Navigating the world of health insurance can be complex. With a range of options, costs, and coverage levels, it’s easy to feel overwhelmed. However, understanding key factors can help you make an informed decision. Here’s what to consider when choosing health insurance that fits your needs and budget: 1. Understand the Types of Health Insurance…
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Insurance Enterprise – Your Go-to Marketplace for Affordable Health Insurance
Insurance Enterprise is dedicated to providing affordable health insurance options that fit the needs of individuals, families, and businesses. Through our easy-to-use online platform, you can explore and compare a range of plans from top insurance providers, making it simple to find coverage that aligns with your budget and lifestyle. Our knowledgeable team is here…
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Tips for Maintaining Healthy Cholesterol for Long-Term Wellness
Cholesterol often gets a bad reputation, but it’s crucial for our body’s functions. It supports the formation of cell membranes, aids in hormone production, and plays a role in digestion. However, keeping cholesterol levels balanced is important—excessive amounts of the wrong type can lead to health issues like heart disease and stroke. Here are some…
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Transform Your Health: Simple, Powerful Steps to Revitalize Your Liver
Your liver is a powerhouse organ, handling over 500 vital functions, from detoxifying harmful substances to processing nutrients and medications. Prioritizing liver health is key to your overall well-being. A healthy liver supports a vibrant, energetic life, yet many of us unknowingly strain it with unhealthy habits. Here’s how you can give your liver the…
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Instant Health Insurance Quotes: How to Get Accurate Rates in Minutes
Health insurance is a crucial aspect of financial planning, providing coverage for unexpected medical expenses and ensuring access to quality healthcare. However, obtaining health coverage can be time-consuming and confusing, with many plans, policies, and providers to choose from. Fortunately, technology has made it easier than ever to get health insurance quotes quickly and conveniently…
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More Personalized Approach to Health Insurance from Insurance Enterprise
Health insurance is an essential aspect of life, especially for adult Americans. A simple medical emergency can quickly spiral into a financial crisis without adequate health insurance coverage. However, finding affordable, comprehensive health insurance coverage can be daunting. This is where Insurance Enterprise comes in. We offer a personalized approach to health insurance, making it…
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The Impact of Retirement on Health Insurance: What You Need to Know
Retirement doesn’t just have benefits for your emotional and financial health; it can also have an impact on your healthcare coverage. Understanding what healthcare options are available to you after retiring is essential if you want to stay healthy and safe later in life. Here’s what you need to know about the impact of retirement…
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Maximizing Your Savings: 10 Essential Tips for Navigating Health Insurance Costs by State
Navigating the ever-changing landscape of health insurance can be a tricky task. With each state having its own unique set of regulations and cost structures, it can be difficult to know how to save money on your health insurance coverage. Fortunately, there are plenty of helpful tips and strategies that you can use to maximize…
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The Pros and Cons of Health Insurance
It’s no secret that having health insurance is essential. It’s one of the foremost things you can have to protect yourself and your family financially. However, there are both pros and cons to having health insurance, and it is crucial to understand both sides. Let’s take a closer look. What is Health Insurance? Health insurance…
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Top 10 Ways to Reduce Stress
Many things in life can cause stress. Work, school, family problems, and even day-to-day tasks like commuting or running errands can add up and leave us feeling overwhelmed. But there are ways to reduce the amount of stress we feel daily. By making a few simple changes in our lives, we can learn to manage our…
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How to Take Good Care of Your Heart
Heart problems are becoming increasingly common. Eating a heart-healthy diet and exercising can help prevent these issues, but what more can you do to ensure your heart stays healthy? Maintaining a healthy heart is an essential factor in our overall well-being. Cardiovascular diseases, such as stroke and heart attacks, are the leading causes of death…
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The Pros and Cons of Different Types of Health Insurance
The healthcare landscape is complicated and changes from year to year. Selecting the best type of health insurance for you or your family is no easy decision. Choosing the wrong plan can lead to financial losses or inadequate coverage – the two things we try to avoid at all costs. Here are some pros and…
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Maximizing Your Workforce Health: The Benefits of Providing Comprehensive Health Insurance Coverage
One way to assure your business’ success is by providing comprehensive health insurance for your workers. Doing so promotes their well-being and improves their job satisfaction, reduces absenteeism, and decreases healthcare costs. Let’s delve into the benefits of providing your employees comprehensive health insurance coverage and how it can maximize your workforce’s health. Definition of…
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The Benefits of Top-Up Health Insurance: Is It Right for You?
As healthcare costs continue to rise, many individuals seek ways to supplement their primary insurance coverage. One option that has gained popularity recently is top-up health insurance. But is it the right choice for you? What is Top-Up Health Insurance? Top-up health insurance is an additional policy that covers medical expenses not covered by your…
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Instant Online Quotes for Medical Insurance: Find the Best Coverage for You
Finding the right medical insurance plan can be a challenging endeavor. With a wide array of options available, it’s hard to know which is best for you. But don’t worry! Getting instant online quotes for medical insurance is a great way to compare your options and find the perfect coverage for you. Whether you need…
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The Hidden Costs of Skipping Health Insurance and How to Avoid Them
According to recent studies, approximately 28 million Americans are uninsured, and the number is increasing every year. Many people choose not to purchase health insurance due to the expense or because they think they are healthy enough not to need it. However, the reality is that not having health insurance can cost much more in…
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Top 7 Questions to Ask When Choosing the Right Care Health Insurance
When it comes to making sure you and your family stay healthy, nothing is more important than having the right health insurance coverage. However, choosing the right care health insurance plan can be a daunting task with so many different options available. To ensure you select a plan that works for your needs and budget,…
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Top 5 Things You Must Do When Someone Suffers from Heatstroke
Heatstroke is caused when the body overheats and can’t cool itself down. It can be a dangerous condition that requires immediate and attentive medical attention as it can rapidly become life-threatening. If you suspect someone has suffered a heatstroke, there are five critical things you should do if you can: Move the Person to a…
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The Unconventional Guide to Health Insurance
Health insurance is an integral part of protecting your health and financial well-being. But navigating the complexities of health insurance can be overwhelming. This guide is designed to provide an unconventional look at health insurance and provide you with the information and resources you need to understand and make the best decisions for your health…
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Top 10 Reasons You Need Health Insurance
There are numerous reasons to have health insurance. There was once a time when people could go without health insurance and still receive quality medical care. But that is no longer the case. Healthcare costs continue to rise at an alarming rate, which means more and more people are struggling to pay their medical bills. …
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Know the Types of Health Insurance Cost Before Getting the Right Plan
Have you ever been afraid to go to the doctor because you weren’t sure if you could afford it? In today’s world, health insurance is a necessity for most people. Awareness of the various types of health insurance costs and the factors that affect them can help you decide when selecting the most suitable plan…
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Steps to Take When Health Insurance is Unaffordable
It’s no secret that healthcare costs in the United States are high. If you’re one of the millions of Americans who don’t have health insurance, those costs can be even higher. But there are options available to help make sure you can get the care you need, even if you don’t have health insurance. Reasons…
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How Health Insurance Can Help You Live a Better Life
Health insurance is an integral part of living a healthy and happy life. It can provide essential protection for you and your loved ones in case of illness or injury and help you manage your healthcare costs. Health insurance can also provide access to preventive care and other health services and peace of mind in…
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How to Lower Your Blood Cholesterol Levels
High blood cholesterol levels are a concern for many people who are trying to improve their health. If your cholesterol levels are high, it can increase your risk of heart disease, stroke, and other potentially serious health problems. Fortunately, there are several ways to lower your cholesterol levels and reduce the risk of developing these…
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Exploring the Benefits of Employer-Sponsored Health Insurance
Are you looking for ways to provide quality healthcare benefits for your employees? Employer-sponsored health insurance can offer many advantages, but how do you know if it’s the right choice for your business? Healthcare coverage has become increasingly expensive in recent years. Many employers have looked to various solutions, including employer-sponsored health insurance plans, to…
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Do You Make These 5 Common Health Insurance Mistakes?
There are plenty of choices to make when it comes to health insurance, and it can be difficult to know the best option for you and your family. However, there are some common mistakes that people make when choosing their health insurance that you should try to avoid. In this article, we will discuss five…
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Do not Risk Your Health or Finances: Why Medical Coverage is Essential for Everyone
Health insurance is an essential form of financial protection that everyone should consider having, yet there are still many individuals who do not have it. Without medical coverage, you risk putting your health and finances in jeopardy. From private insurance to government-subsidized plans, the range of options available can be overwhelming. This article will provide…
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Nine Simple Tips for Less Expensive Health Insurance Plans
Health insurance can be one of life’s most expensive and confusing aspects. It’s important to have coverage to protect your health and financial well-being, but finding an affordable plan isn’t always easy. That’s why knowing how to find a plan that will fit your budget without sacrificing quality coverage is essential. If you’re looking to…
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Secure Your Future Together: The Importance of Health Insurance for Couples
Health insurance can often be overlooked in conversations about finances and planning for the future. However, it is crucial to build a stable and secure life together as a couple. Choosing a Health Insurance Plan for Couples Choosing a health insurance plan as a couple is a critical decision that can affect your financial stability…
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Choosing Affordable Family Health Insurance Plans this 2024
As the head of a family, choosing a health insurance plan can be daunting. With so many factors and options to consider, it’s easy to feel overwhelmed. However, with a little bit of research and careful consideration, you can find an affordable family health insurance plan that meets your family’s healthcare needs. In this article,…
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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…
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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…
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Healthcare Plans 101: A Guide for Beginner 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…
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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…
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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…
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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…
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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…
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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…
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Get 50% Less On Health Insurance Premiums
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…
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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.…
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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,…
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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…
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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…
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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…
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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…
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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…
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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…
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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…
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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…
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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…
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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…
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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…
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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…
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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…
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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…
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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…
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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…
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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…
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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…
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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…
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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…
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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…
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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…
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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…
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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…
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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…
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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…
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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…
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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…
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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…
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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.…
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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…
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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…
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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…
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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.…
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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…
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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…
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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…
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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…
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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,…
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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…
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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…
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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…
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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…
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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…
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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…
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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…
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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…
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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…
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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.…
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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…
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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…
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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…
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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…
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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…
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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…