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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Changes in Short-Term Health Insurance

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We’ve written a lot about short-term health insurance over the years because it’s a perfect way to fill a gap in coverage if you’re moving, changing jobs, or related needs.

It’s also become a popular alternative to Obamacare.

The latter reason is why the federal government (specifically HHS) has issued new guidelines that mandate that short-term policies …

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Medicare Supplement vs Medicare Advantage

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The first real fork in the road when you enroll in Medicare is deciding whether you want “Original Medicare” and a Medigap plan or you want to enroll in a Medicare Advantage plan. Here are a few things you need to consider. 

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How much does Medicare cost?

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There are several variables that affect what you pay for Medicare.

As you know, there are several components of Medicare, so let’s try to break down the cost of each:

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When Can I Buy a Medicare Supplement Plan?

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Generally speaking, you can apply for a Medicare Supplement (Medigap) plan anytime, but there’s a very important distinction you need to know.

Medigap Open Enrollment Period

The best time to purchase a Medicare Supplement plan is during your initial enrollment into Medicare itself. This initial enrollment period, sometimes called your “Medigap Open Enrollment,” begins the first day of …

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What is a Medicare Supplement plan?

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To understand Medicare Supplement plans, let’s take just a moment to make sure we’re clear on Medicare itself:

Medicare Part A essentially covers hospitalization.
Medicare Part B basically covers doctor visits and other outpatient services.

Together, Medicare Part A and Part B are what is typically described as “Original Medicare” or standard Medicare. Most people are automatically enrolled …

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Does Medicare Cover Dental?

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While Medicare covers a lot of your health-related expenses, it does not provide help with dental insurance.

So for most dental care like cleanings, fillings, tooth extractions, dentures, dental plates, etc., you’ll be on your own.

Medicare Advantage plans may choose to offer dental insurance as part of their plan, but you’ll be limited to their network of …

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