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What is the difference between a copay and a deductible? A copayment (copay for short) is the fixed amount ($20, for example) that you pay for a covered health care service. The remaining balance that you do not pay the doctor is covered by your insurance company. A...

How many employees can I cover with small group insurance for my business? Typically, two to 49 employees can be covered in a small group. A large group would cover 50 to unlimited employees. Many small business owners choose to offer their employees a comprehensive...

How much supplemental accident insurance do I really need? You need to get enough to cover the cost of your current healthcare policy's deductible. Accident insurance, also known as supplemental accident insurance or personal accident insurance, is designed to help...

How much life insurance is enough for my family? Every person has different coverage needs. Overall, you want enough to create a legacy for your family. The most common way people calculate the amount of insurance is to buy what they can afford! Some insurance...

My employer provides me some life insurance coverage. But, I want more coverage. I've heard term life insurance is an affordable option. What are my term life insurance options? Term Life insurance is the most basic and normally the most affordable life insurance...

I live in Louisiana and I missed the healthcare coverage sign-up deadline. What options do I have for Louisiana healthcare? Even though open enrollment for 2019 coverage in Louisiana and Texas ended on December 15, 2018, you as a resident can enroll in private-based...

I live in Texas and I just heard that the Affordable Care Act (ACA) has been struck down by a federal judge in my state. I also heard Trumpcare is here. What does that mean to me and my loved ones about our healthcare coverage? Yes, Judge Reed O'Connor of the federal...

Should I get a healthcare plan that includes tele-medicine? WHY doesn't my health plan have Telemedicine? Yes, you should get a healthcare plan that includes tele-medicine. It's great for common health concerns. Some health coverage plans include telemedicine and some...

Should I have healthcare insurance-related supplements? YES, you should consider supplements! A supplemental health insurance plan is a health care plan that covers anything above and beyond minimum essential medical coverage. Before you invest in supplemental health...

How many doctor visits do I need on the policy ? The real answer is Zero! What! No doctor visits, are you crazy!!!! Doctor visits are icing on the cake. If you pay for a doctor visit out of pocket (negotiate for cash), you can pay $50- $125 for a general practitioner...

Why do I get bombarded by healthcare telemarketers when I make an internet inquiry about healthcare coverage? The internet is the new yellow pages! Yes, it is frustrating with all the healthcare telemarketing calls. They call with so many different types of plans....

How long are private healthcare coverage policies in effect? Private healthcare coverage policies can have longer term periods (12-36 months) than exchange plans. Unlike employer healthcare coverage policies, private insurance has no contract obligation, meaning that...

When does open enrollment start? Is there a tax penalty for no health insurance in 2018? How about 2019? Open enrollment starts today, November 1. The tax bill doesn’t eliminate the penalty until 2019. That means that those who forgo health insurance for 2018 could...

What is the best health insurance solution for me as a Self-Employed Business Owner? How many health insurance options are available to me? The best health insurance solution and the number of coverage options for you as an entrepreneur depends on your need, your age...

I keep seeing a references to indemnity plans. What type of health plan is this? An indemnity plan is a type of medical plan that reimburses the patient and/or provider as expenses are incurred. Indemnity Plans: Types Let's review some examples of indemnity plans:...

I do have a current health care coverage policy. But, how do I know if I've selected the best plan for me, my business and my family? Should I consider insurance renewal with the same coverage? We get these questions all the time. Here's what we recommend you look at...

What do I need to look for when I buy health insurance? In our blog, we have been discussing the most important part of purchasing health benefits: TALK to a licensed agent with many years of experience DO NOT buy health insurance SIGHT UNSEEN! Buy from an agent who...

What kind of health insurance coverage plans are available during open enrollment for 2019? The health insurance Marketplace, also known as an Exchange, is where you can shop for and compare insurance plans in your state offered through the Government. These Exchange...

Over the years, our customers have asked us the following general questions about health care insurance coverage: #1 Question: What is the cost for a family? A: It depends on the age of the family members, their medical history and the medical benefits that are...

What kinds of health care plans are available? An indemnity health insurance plan is a type of medical plan that reimburses the patient and/or provider as expenses are incurred. Either a fixed amount is paid for some specific illnesses or a certain percentage of the...

I just saw an ad on the Internet for health insurance coverage for a very low monthly rate. Is that kind of policy worth it? The biggest mistake people make when looking for health insurance is that they do a search on the internet and then believe that they are...

When can I buy health insurance? When is open enrollment? Over the past 20 years of helping individuals, families and business owners find affordable insurance, we have often been asked when they can buy health insurance coverage. If you're currently part of the...