Doctor Network Matters For Health Insurance View the Article Here

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Doctor Network Matters For Health Insurance

August 8, 2017 7:56 am Published by Leave your thoughts

With the loss of the individual and family PPO health insurance networks coming in 2018, and those who are under the age of 65 and buying their own health insurance, making sure your doctors are in your health insurance plan network matters more than ever.  The plans in our area that are going to be offered are of the HMO, EPO, or other type of networks.  This means that you will not have the freedom to get your non-emergent care...


Is Your Short Term Medical Insurance ending?

June 29, 2017 7:39 am Published by Leave your thoughts

At our agency we have seen a rise in the number of folks who are looking for health insurance right now since their short term medical insurance ended.  None of them realized that they did not have ACA compliant health insurance.  This means that they do not have a qualifying event to sign up for health insurance and cannot sign up for an ACA complaint health insurance plan. ACA compliant health insurance is referred to as Obamacare and this health...


HEALTH INSURANCE PLAN LEAVING YOUR COUNTY FOR 2018

June 27, 2017 1:01 pm Published by Leave your thoughts

You may have recently been notified by your health insurance carrier that your current individual and family health insurance plan is going to be leaving the county you live in for 2018 There is nothing that you can do right now • The health insurance plan you have now will provide your benefits until December 31, 2017 • The health insurance carriers that are offering plans in the individual and family market have submitted their 2018 plan designs and rates...


Why can’t I buy Health Insurance anytime I want?

August 16, 2016 9:05 am Published by Leave your thoughts

We received a call today from someone looking to buy health insurance right now.  They had individual health insurance and let it cancel for nonpayment several months ago.  Here is why they cannot sign up for health insurance now. The Affordable Care Act established enrollment times when someone can sign up for health insurance.  (Annual Open Enrollment and Special Enrollment Periods) Since we are not in Annual Open Enrollment, you must have a Special Enrollment Period qualifying event.  Letting existing...


PREMERA CUTS TIES WITH PROVIDENCE – WHAT THAT MEANS FOR YOU

July 28, 2016 11:31 am Published by Leave your thoughts

Premera Blue Cross recently announced a major change coming in its in-network providers. Will you be affected? Read about the change and what you can do. Change is brewing, and it comes in the form of Premera Blue Cross. As of January 1, 2017, Premera Blue Cross will no longer support Providence Health & Services as in-network providers. As the Northwest’s largest insurance provider, Premera’s move is significant: thousands will inevitably be affected. Providence comprises significant healthcare across the Northwest,...


Prescriptions are Not for Medication Only

July 21, 2016 11:32 am Published by Leave your thoughts

Prescriptions are no longer limited to medication – in today’s ever-changing insurance world, you may need a prescription for a service, too. It’s a journey I just experienced myself: One round of Capture the Flag and my daughter now needs a physical therapist. The answer? Despite being on a PPO medical plan, the insurance carrier wants a “plan of care” in place, plus a prescription written for that plan. Thus, we need a prescription – not a referral. No longer...


Critical Illness – How are you prepared to live?

March 19, 2013 5:10 pm Published by Leave your thoughts

After having a conversation with a colleague this past week – where we dove in to the necessity of critical illness insurance – for most of us, we know this kind of insurance as cancer, accident, heart attack, hospital income, and even disability insurance – we debated how far the market has evolved – and then the poor joke of “heaven help us – we lived”. Just how we are surviving/living is the issue. I deal with many clients who are going on the...


Health Insurance for children open enrollment begins in WA State

March 15, 2013 4:24 pm Published by Leave your thoughts

March 15th to April 30th is open enrollment for children in the individual and family health insurance market.  During this time you can add children to your health plan, buy them their own health plan, or switch health plans.   Now is the time to make your changes.  For more info on this, please visit the WA State Insurance Commissioners website www.insurance.wa.gov   or give a local agent an opportunity to help you.


How do I choose a health insurance policy?

March 11, 2013 4:01 pm Published by Leave your thoughts

When it comes to Health Insurance, I think we have all known someone who was confused and frustrated and decided to “just pick something” and hope it works out.  The world of health insurance lends itself to this, but it doesn’t have to.  Here are some basic rules to help you get started when choosing the right health insurance plan: Make a list of your doctors Make a list of your prescriptions Make a list of the services you cannot...


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