What is Beam Dental?

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Most dental insurance companies are basically the same when you get down to it. But once in a while someone comes a long to do something different and innovative.

We’re excited to begin introducing our clients to Beam Dental (well… as excited as one can be about insurance! But seriously, you should check this out).

Why We …

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What is Medicare Part D Late Enrollment Penalty?

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Medicare Part D provides prescription drug coverage for people on Medicare. Part D plans are provided by private insurance companies who meet minimum standards of coverage outlined by the government.

Nobody is required to buy a Medicare Part D prescription drug plan (“PDP”), but you need to be aware of the potential penalties involved if you …

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Household Discount on Medicare Supplement Plans with BlueCross BlueShield of South Carolina

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BlueCross BlueShield of South Carolina recently announced that they will expand eligibility for a household discount on Medicare Supplement plans. 

Previously, the discount was only available if a husband and wife were both members on a Medicare Supplement plan.

Happily, this has now been expanded. From their announcement:

“Medicare Supplement members who purchased their plans June 2010 and …

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Is Short Term Health Insurance Legitimate?

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The short answer is YES. 

The question is asked because short-term health insurance is so much cheaper than non-subsidized health insurance plans in Obamacare.

Let’s be clear: A good short term health insurance plan will provide good, comprehensive major medical coverage. In other words, it will protect you from unforeseen, catastrophic healthcare costs. With a short-term health …

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What is the Advantage of an HMO? What is the Disadvantage?

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An HMO (“Health Maintenance Organization”) is a health insurance plan that is designed to care for members health within a specific network of medical providers.

In a typical HMO, you specify a primary care doctor who is your first call for medical care. Visiting a specialist typically requires a referral from this primary care doctor, and …

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What is Bright Health Plans? A New Health Insurance Option in Greenville

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Bright Health recently announced that it was expanding into South Carolina in 2020, where it will offer plans in Greenville, Anderson, and Pickens Counties.

This expansion, subject to regulatory approval, is part of a larger expansion strategy that will see Bright Health’a overall footprint include 12 markets in 22 states.

We don’t yet know any details about …

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What is the Medicare Access and CHIP Reauthorization Act of 2015 (MACRA)?

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You may have heard about some upcoming changes to Medicare supplement plans.

Will Plan F go away?

Let us take just a minute to give you an overview of what you need to know about the Medicare Access and CHIP Reauthorization Act of 2015 (MACRA).

MACRA is a federal law that takes effect January 1, 2020, that affects …

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What is Reference-Based Pricing?

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You’re probably going to begin hearing about “Referenced Based Pricing” for group health insurance plans. And for good reason – it could be a great way to save a lot of money on healthcare (and health insurance) costs.

No Networks

The entire point of a provider network is negotiated pricing. An insurance company contracts with hospitals and …

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What is BlueRewards from BlueCross BlueShield of SC?

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Here’s a chance to actually get money back from your insurance company! BlueRewards is something you’re going to want to jump on if you can.

BlueCross BlueShield of South Carolina rolled out the BlueRewards program in 2019 for members with individual health insurance policies.

Members can earn up to $150 per year for doing …

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What is a Pre-Existing Condition

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This is an irrelevant question when we’re talking about Obamacare-compliant health insurance plans. The Affordable Care Act guarantees coverage that includes pre-existing conditions (at the same price).

But if Obamacare isn’t an option because you missed Open Enrollment, you’ll need to look at alternatives like short-term health insurance.  And a short-term health plan isn’t going …

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