TGS

MARCH 17, 2025

Thats the max itll pay out, no matter how bad things get. With liability-only auto insurance, youre out of luck. The trick is figuring out if your cars worth more than the cost of a full coverage policy. The Risks Youre Rolling the Dice On Alright, lets lay it out plain and simple. I mean, who doesnt love a good deal?

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PSM Brokerage

SEPTEMBER 18, 2024

These adjustments include a significant decrease in annual out-of-pocket expenses for prescription drugs (from $8,000 to $2,000) and introducing an option for beneficiaries to manage their Part D out-of-pocket costs through capped monthly payments on a new Medicare Prescription Payment Plan.

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TGS

MARCH 4, 2025

TGS Insurance Blog Driving without insurance in Florida might seem like a way to save a few bucks, but the consequences can be far more costly than youd expect. Florida law requires all drivers to carry a minimum level of insurance coverage, and failing to comply can lead to penalties, legal trouble, and financial headaches.

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PSM Brokerage

AUGUST 7, 2024

The Inflation Reduction Act (IRA), also known as the prescription drug law, introduces several significant improvements to the Part D drug benefit, projected to save Medicare beneficiaries an average of 30% in annual out-of-pocket prescription drug costs by 2025. This will result in a reduction of approximately $7.4

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PSM Brokerage

JANUARY 13, 2025

Star Ratings: What They Mean and How to Use Them Star ratings play a crucial role in the Medicare landscape, influencing both client decisions and sales opportunities for insurance agents. What Star Ratings Mean for Insurance Agents 1. What Are Star Ratings? Member Satisfaction: Feedback from enrollees on their experience.

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PSM Brokerage

JANUARY 13, 2025

Part D Updates The IRA mandates several changes to the Part D benefit, including: Out-of-pocket cost cap : Set at $2,100 for 2026, adjusted from the 2025 threshold. Agents and stakeholders are encouraged to review the proposed changes, submit comments by February 10, 2025, and prepare for the final Rate Announcement in April.

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PSM Brokerage

JANUARY 7, 2025

The Affordable Care Act (ACA) has transformed the health insurance landscape, creating a wealth of opportunities for insurance agents to build successful careers. Becoming a licensed ACA health insurance agent allows you to help individuals and families find affordable coverage while building a steady income stream.

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PSM Brokerage

AUGUST 12, 2024

Understanding the Annual Notice of Coverage (ANOC) Letters: A Guide for Insurance Agents As an insurance agent, it’s crucial to stay informed about the Annual Notice of Coverage (ANOC) letters that your Medicare clients receive each year. What is an Annual Notice of Coverage (ANOC)?

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PSM Brokerage

NOVEMBER 15, 2024

5 High-Converting Medicare Scripts for Insurance Agents Turn your conversations into conversions with these tested and compliant scripts! Agent: Hi [Client Name], this is [Your Name] with [Your Agency]. Agent: That’s great to hear! Agent: Totally understand! Agent: Hi [Client Name], this is [Your Name].

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Redbird Agents

JULY 12, 2024

Presenting hospital indemnity with every Medical insurance sale is a choice every agent has and most choose not to. Why do agents fall short cross selling hospital indemnity? Why do agents fall short cross selling hospital indemnity? If it doesn’t, it’s because you don’t want to cross sell and make more money!

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Smart Insurance Agents

OCTOBER 13, 2024

Our editorial team at Smart Insurance Agents uses a data-driven methodology to evaluate insurance companies, ensuring that all companies are measured equally. But “no waiting period” dental insurance policies let you use certain dental services right away, starting from the first day of your policy.

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PSM Brokerage

NOVEMBER 26, 2024

Essential Tools Every ACA Agent Needs to Optimize Their Business As an ACA agent , you’re juggling client relationships, compliance requirements, and sales goals—all while trying to maximize your efficiency and profits. CRM Platforms Tailored for ACA Agents Why You Need It: Managing client relationships is the heart of your business.

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PSM Brokerage

JANUARY 7, 2025

As an insurance agent, guiding your clients through Medicare options can feel like navigating a maze. Cost Medicare Advantage : Known for low or $0 monthly premiums, but clients may face higher out-of-pocket costs when accessing services. Cap on annual out-of-pocket costs. Cons : Limited provider networks.

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Smart Insurance Agents

DECEMBER 9, 2024

Ensure that your preferred healthcare providers are within the plan’s network to maximize convenience and minimize out-of-pocket costs. Cost: Evaluate the premiums, deductibles, copayments, and out-of-pocket maximums associated with each plan. Eligible DACA recipients can receive financial help if they qualify.

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Smart Insurance Agents

SEPTEMBER 2, 2024

While insurance can lower your out-of-pocket expenses, the final cost depends on several factors. Key Takeaways Colonoscopy costs can range from $1,250 to $4,800, with insurance significantly impacting out-of-pocket expenses. When considering the cost of a colonoscopy, it’s important to account for several components.

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Healthinsurance.org

OCTOBER 16, 2024

State-funded health insurance subsidies change in several states In addition to the ACA’s federal premium subsidies and cost-sharing reductions, several states offer additional state-funded subsidies that further offset enrollees’ premiums, out-of-pocket costs, or both. 4 For 2025, the program is expanding.

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Smart Insurance Agents

SEPTEMBER 3, 2024

This dual coverage can provide a broader range of medical services and reduce out-of-pocket costs. Coordination of benefits between Medicaid and private insurance maximizes healthcare coverage and minimizes out-of-pocket expenses, with Medicaid typically serving as a secondary payer.

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PSM Brokerage

AUGUST 7, 2024

Predatory health insurance brokers are stealing money out of families’ pockets by leaving them with uncovered medical expenses, unexpected tax liabilities and more by fraudulently changing or enrolling Americans in health insurance plans in the federal marketplace,” Wyden said. . – Senate Finance Committee Chair Ron Wyden, D-Ore.,

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Freeway Insurance

DECEMBER 9, 2024

Figuring out independent contractor health insurance is one of the very first steps you should take when becoming an entrepreneur. Youll get a chance to view the benefits and stipulations of each plan, including deductibles, out-of-pocket limits, and monthly premiums.

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Peter J. Fournier

JANUARY 15, 2021

What is up life agents? Note: If you are more of an audio learner, check out this YouTube video 30% Of Your Business Is Falling Off The Books Insurance agents are constantly on the hamster wheel of trying to outwrite premiums and keep writing more and more production every year. 70%, that’s nuts!

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Smart Insurance Agents

AUGUST 31, 2024

Wondering if your health insurance cover wisdom tooth removal? It often depends on the specifics of your plan and whether the procedure is deemed medically necessary. Understanding whether does health insurance cover wisdom tooth removal can help you make informed decisions about your dental care.

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Paragon Independent Insurance Agencies

JULY 31, 2024

Our knowledgeable agents at Paragon Independent Insurance Agency in Plano, TX, are here to help. A home insurance deductible is the money you must pay out of pocket when filing a claim before your insurance kicks in. You will be responsible for paying a deductible out of pocket every time you file a homeowner claim.

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TGS

OCTOBER 28, 2024

Simply put, a deductible is the amount you agree to pay out of pocket before your insurance kicks in after a claim. It’s a bit of a balancing act: on one hand, a higher deductible can lower your monthly premiums, but on the other hand, it means you’ll pay more out of pocket in the event of an accident.

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Shield Insurance Agency

AUGUST 20, 2024

If the cost of repairs is just a little over your deductible amount, it may be more financially sound to pay for the repairs out of pocket. Sometimes, it may be better to pay for the repairs or replacements out of pocket rather than file a claim. Additionally, small claims often require you to pay a deductible.

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Smart Insurance Agents

OCTOBER 15, 2024

Gold Plans provide the highest coverage but come with higher premiums, Silver Plans balance costs and coverage, and Bronze Plans have lower premiums but higher out-of-pocket expenses, making them suitable for generally healthy individuals. Silver Plans strike a good balance between monthly premiums and out-of-pocket costs.

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Smart Insurance Agents

AUGUST 19, 2024

Key Takeaways PPO plans offer flexibility in choosing providers without referrals, but come with higher premiums and out-of-pocket costs, while HMO plans are more cost-effective but restrict provider choices and require coordination through a primary care physician. Even though out-of-network care is covered, it comes at a higher cost.

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P&L Financial Services

SEPTEMBER 20, 2024

Medicare Advantage Plans: Premiums and out-of-pocket costs can fluctuate, and new benefits like vision, hearing, and dental care may be added. Compare Other Plans: Use Medicare’s Plan Finder tool or consult a licensed insurance agent to explore different options. This may be a time find a more suitable option.

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PSM Brokerage

DECEMBER 5, 2024

For agents, this is an incredible opportunity to align with a brand that consumers already know and trust. Here’s what makes Allstate Medigap plans stand out: Trusted Reputation : With decades of experience, Allstate is a name that inspires confidence, making your job as an agent easier when selling their plans.

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PSM Brokerage

DECEMBER 5, 2024

Why Agents Should Sell Aflac Medicare Supplement Plans When it comes to trusted names in the insurance industry, Aflac stands out as a company synonymous with reliability, innovation, and client-focused solutions. Medigap plans not only meet this need but also create opportunities for agents to build long-term client relationships.

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Freeway Insurance

JANUARY 4, 2024

A low deductible health plan means the policyholder will pay less upfront and out of pocket for certain healthcare items, such as surgery. You’re shopping for health insurance with the goal of getting the best coverage you can afford. Your life doesn’t include too many risky behaviors and you consider yourself relatively healthy.

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PSM Brokerage

JANUARY 8, 2025

Implications for Seniors and Medicare Agents The Social Security Fairness Act (H.R. Understanding this legislation is crucial for seniors and insurance agents serving the Medicare market, as its implications could influence financial planning and access to healthcare. 82 positions agents as trusted advisors.

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Paragon Independent Insurance Agencies

SEPTEMBER 30, 2024

This coverage will cover the cost of repairing your tiny home and reimburse any out-of-pocket expenses you incur as the primary owner. An agent can discuss various add-ons that your tiny home qualifies for. Home Insurance Like any other residence, a tiny home is eligible for various types of home insurance coverage.

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Agent Success School

MARCH 3, 2022

Welcome to the Helping real estate agents podcast with Tanya Eldert. I’m the owner of the agent success school, a licensed Florida instructor, a broker associate, leader of a real estate marketing team, and a certified coach. Any agents that are doing real estate nowadays understand how competitive a market we have right now.

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Smart Insurance Agents

AUGUST 19, 2024

It’s important to compare Medicare Supplement plans to understand coverage, out-of-pocket costs, and how individual plans vary by insurance company and state regulations. These plans provide different areas of coverage and out-of-pocket costs. Introduction Navigating Medicare can be confusing.

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Smart Insurance Agents

OCTOBER 14, 2024

One of the significant advantages of Medicare Advantage plans is the out-of-pocket spending limit, which helps beneficiaries manage their healthcare costs. Traditional Medicare does not have such a cap, potentially leading to higher out-of-pocket expenses.

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Smart Insurance Agents

AUGUST 28, 2024

These plans often feature extensive benefits and low out-of-pocket costs, making them a top choice for beneficiaries looking for the best possible coverage. This guide outlines the top-rated options, key benefits, and essential considerations to help you make an informed choice. This option is offered by private insurance companies.

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Word & Brown

SEPTEMBER 13, 2024

That includes understanding what plans offer the lowest and highest out-of-pocket costs, including deductible, copays, and coinsurance. Staying in network will be important to minimizing your clients’ out-of-pocket costs. Below are a few ideas. Claims processes vary by plan type and carrier or administrator.

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