Archive for the ‘Uncategorized’ Category

COVID-19 and Your Health Insurance

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We hope you are staying safe and healthy in these extraordinary times.

Here’s a brief update on  the corona virus and your health insurance:

Every health insurance company we know of is providing medically-recommended COVID-19 testing at zero cost to their members. This includes individual plans (Obamacare-compliant plans), short-term health plans, Medicare plans (both Medicare supplement and …

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How Much Will You Pay for Medicare?

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As you’re approaching age 65 you’re going to have a lot of questions (and you’re going to get hit with a mountain of marketing from people eager to tell you what to do).

One very common and important question is this: What will Medicare cost?

Let’s break it down into its various parts:

Medicare Part A is free …

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Dental and Vision Benefits on BlueChoice Individual Health Insurance Plans

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BlueChoice HealthPlan sells Obamacare-compliant individual health insurance plans throughout South Carolina. These plans are marketed as “Blue Option” plans and provide better value for the money than the plans available on the Marketplace.

A big part of that additional value is the fact that these plans include a vision and preventive dental reimbursement as a standard …

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Obamacare Subsidies and Federal Poverty Level Guidelines for Obamacare 2020

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How much is this going to cost???

One of the most important factors to consider when looking at individual health insurance is what kind of subsidy you can expect to receive in the Obamacare Marketplace.

These subsidies, technically called “Premium Tax Credits,” can make a huge difference in how much you pay for individual health insurance.

How to …

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Obamacare 2020 in South Carolina: What You Need to Know

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Open Enrollment for individual health insurance plans is November 1 – December 15. 

To be clear, this is the ONLY time you can enroll in individual health insurance for 2020 (unless a major life event qualifies you for a “Special Enrollment Period”).

Some things have changed in South Carolina, so we wanted to briefly tell you what …

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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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