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…

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…

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…

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…

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…

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…

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…

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…

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…

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…