Life Insurance With No Medical Exam

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What if I told you that you could get up to $500,000 in term life insurance coverage without any nurses or needles?

It’s true!

For many people, the dreaded “paramedical exam,” where you get poked and prodded by a nurse, is the greatest hindrance and hesitation to getting term life insurance.

We work with multiple life insurance companies that …

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Is health-sharing a good alternative to Obamacare?

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If you’re looking for answers to this question, we’re going to assume you’re broadly familiar with the concept of a health-sharing ministry.

If you’re not, this is a good place to get a brief overview.

Health-sharing ministries are experiencing rapid growth as thousands of people are seeing them as a more affordable alternative to Obamacare health insurance.

Here …

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Quick Facts about Short-Term Health Insurance

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Open Enrollment for individual health insurance is over for 2017.

Every year we hear from people who need health insurance outside of Open Enrollment. In certain circumstances you can qualify for a “Special Enrollment Period,” but otherwise Obamacare will not be an option.

So what can you do?

For many people, a short-term health insurance plan is the best option. …

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How to Get Dental Reimbursement from BlueCross BlueShield of SC

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Does your health insurance plan give you any help with dental costs?

If you have a “BlueEssentials” plan with BlueCross BlueShield of SC (and if you have a Marketplace plan, it’s with BCBS), your plan includes a little bit of help with costs related to preventive dental care.

All BlueEssentials plans include dental allowances for adults and …

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How to Receive Dental Benefit from BlueChoice HealthPlan

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If you’re enrolled with BlueChoice HealthPlan, you’ve got a nice preventive dental benefit included in your health insurance plan.

This is true both for individual policies (“BlueOption plans”) and group health plans.

Here’s what you get:

One exam every six months: $50 allowance for initial/$50 allowance for periodic
One cleaning every six months: $50 allowance

If you’re as good at …

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How to Pay Your BlueCross SC Bill

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If you’re like many of our clients, you enrolled in Marketplace health insurance plan with BlueCross BlueShield South Carolina.

As you (hopefully) know, your first premium must be paid in order for your plan to take effect January 1. There are a few ways you can pay:

Pay by phone. Have BlueCross ID number handy and call …

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Open Enrollment 2017 has begun

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Here’s what you need to know:

There are fewer insurance companies offering plans in 2017, so options will be more limited than last year.
If you’re eligible for a subsidy, you will need to go through the process again to re-certify your subsidy for 2017.
If you’re not receiving a subsidy, you may be able to let your …

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BlueChoice Leaves the Obamacare Marketplace: What you need to know

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As Open Enrollment draws near, we are beginning to get some information about what we can expect to see in the health insurance market. On Tuesday we got a really significant announcement:

BlueChoice HealthPlan will not offer health insurance in the federal Marketplace for 2017.

Since a majority of our health insurance clients …

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Our interview with NPR about Gap Plans

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Gap plans are one of the innovative ways that some insurance companies, consumers, and especially small businesses are responding to rising health insurance costs.

Whatever you think of the Affordable Care Act (Obamacare), it is undeniable that costs are going up across the board. (That’s not a political statement – we’ve been staying out of that! …

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How long can I go without health insurance and not pay the fine?

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As you know, under the rules of the Affordable Care Act (Obamacare), anyone who doesn’t have qualified health insurance (or an exemption) will pay a fine on their taxes.

Here’s what you need to know:

How much is the fine?

The fine has gone up every year. For 2016 you’ll pay the higher of:

2.5% of your household income …

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