Is it safe to buy insurance over the Internet?

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There are a lot of ads on radio (even on podcasts) selling insurance.

Call a random 800 number or visit a website, plug in your information, and get covered.

Is this a good idea? It depends. In a sense, we sell insurance over the Internet because we use online applications to enroll our clients with most of …

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Bright Idea Dental Review

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Most dental insurance plans are pretty similar to each other, but Bright Idea Dental is different.

Bright Idea is a new dental insurance plan being marketed nationwide. The plan was originally designed for seniors as a helpful policy to purchase alongside a Medicare Supplement or Medicare Advantage plan.

Now it’s available to anyone, both on an individual …

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Proposed Rate Increases for 2018 Obamacare Plans in South Carolina

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BlueCross BlueShield of South Carolina is the only health insurance company that participates in the Obamacare Marketplace in the Palmetto state.

So when they file for a significant increase, it’s big news for people who buy individual health insurance in South Carolina.

According to the Charleston Post and Courier, BCBS has filed for a 33% rate increase …

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How to Enroll in Individual Gap Insurance

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Gap insurance is increasingly popular – and for good reason!

Surveys consistently report that most Americans would have trouble coming up with $1,000 to pay an unexpected expense. Yet most individual health insurance plans (and many group plans) have deductibles and out-of-pocket expenses in the $5,000 – $7,000 range (double for families).

Those numbers obviously tell us …

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Missionary Insurance for Short-Term Mission Teams

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Is your church or organization sending out short-term mission teams this year?

What will happen if something goes wrong or a team member becomes injured or ill?

Many people don’t realize that most health insurance plans don’t travel very well. That’s why experienced travelers never leave the country without a travel insurance plan. The good news is …

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Coventry Leaves Georgia, South Carolina, and Other States

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Coventry didn’t participate in the Marketplace in 2017, but there may still be some policyholders out there who bought policies a couple years ago.

Coventry has made clear that they will no longer be offering individual health insurance products in Georgia or South Carolina (or a bunch of other states — AR, AZ, CT, FL, IL, KS, …

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Is short-term health insurance a good alternative to Obamacare?

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We get questions like this all the time.

In fact, we’re having more and more conversations that go something like this:

“I just can’t afford these monthly prices anymore – especially for a plan with a really high deductible!”
“I’m not sure the Obamacare plans are worth the price we’re paying.”
“There’s got to be a better option, right?”

Short-term …

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BlueChoice Dropping EpiPen Coverage

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Attention BlueChoice HealthPlan members in South Carolina: You need to be aware of a couple of changes to your prescription drug coverage.

Pharmacy coverage is one of the most complicated aspects of managing your health insurance plan.

The cost of prescription drugs is often very high (astronomical, even), and this can lead to difficult decisions on the …

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What if you can’t afford your deductible?

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A survey released last year uncovered an incredible statistic:

64% of Americans with a high deductible health insurance plan delayed medical care because they didn’t want to or could not pay their deductible. 

Frankly, while it’s a bit alarming, it is not at all surprising. After all, deductibles and out-of-pocket costs keep getting higher as families and employers …

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When is Obamacare Open Enrollment for 2018?

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We’ve given up trying to predict what the outcome will be of the various political processes involved in trying to repeal and replace Obamacare! It may or may not happen.

We have to work with what the situation is now. And as of this writing, Obamacare is still the law that governs individual health insurance. And …

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