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 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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Paragon Independent Insurance Agencies

JULY 31, 2024

Our knowledgeable agents at Paragon Independent Insurance Agency in Plano, TX, are here to help. The deductible is one of the most important decisions to make when choosing a homeowners policy. A home insurance deductible is the money you must pay out of pocket when filing a claim before your insurance kicks in.

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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

Begin by conducting a comprehensive home assessment, then select residential coverage to include in your insurance policy. 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.

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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. Most policies outline certain services the insured may access whether their deductible is met or not, such as a visit to the primary care doctor. Read on to learn more.

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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

Many policyholders may be tempted to file a claim for every little incident in the belief that their insurance policy will cover all damages. 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.

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TGS

OCTOBER 3, 2023

This proposed estimate can change in price as your agent works to refine your quote so that it’s curated to suit your unique coverage needs. To feel confident in your policy before you sign, make sure you understand how to read a homeowners insurance quote. You only pay when purchasing the policy. Policy Number 3.

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Jackson & Jackson

APRIL 28, 2024

However, in the event of a claim, this can lead to substantial out-of-pocket expenses due to insufficient coverage limits. Ensure your policy covers replacement costs rather than actual cash value, as this accounts for the depreciation of your assets. How to Avoid It: Shop around and compare policies based on price and coverage.

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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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Smart Insurance Agents

SEPTEMBER 17, 2024

Most insurance providers classify OB-GYNs as specialists, which can influence your coverage and out-of-pocket costs. Insurance companies categorize OB-GYN services differently from primary care, leading to higher reimbursement rates, co-pays, and potential out-of-pocket costs for patients visiting specialists.

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Jackson & Jackson

APRIL 10, 2024

Make sure to understand the specific perils covered by your policy, as not all natural disasters might be included. Ensure that your property is accurately assessed to avoid being underinsured, which can lead to significant out-of-pocket expenses, or overinsured, which can unnecessarily increase your premiums.

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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. Here is where Medicare Supplement Insurance, also known as Medigap policies, is helpful. Introduction Navigating Medicare can be confusing.

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Peter J. Fournier

JULY 30, 2021

Many agents are attracted to selling Medicare plans. The most obvious is that Life Insurance policies will generate more commission. Most agents are attracted to Medicare because of how easy it is to sell. This comes down to the lack of a relationship most agents have with their clients. But there is more to it than that.

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Smart Insurance Agents

OCTOBER 16, 2024

Unlike agents tied to one insurer, brokers work with multiple companies to give you unbiased options. Unlike agents who represent a single insurance company, brokers work with multiple insurers, offering a broader array of options to their clients. What is a medical health insurance broker?

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Bankers Insurance

AUGUST 8, 2024

Specifically, they may lack sufficient coverage following property losses, forcing them to pay out-of-pocket expenses to fully rebuild. Depending on the severity of property losses and rebuilding operations, these out-of-pocket costs could lead to major financial setbacks or even bankruptcy. inflation).

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TGS

OCTOBER 30, 2024

TGS Insurance » Blog 5 Must-Know Tips for Comparing Home Insurance Quotes Choosing the right home insurance policy can sometimes feel like trying to find the perfect coffee order—it’s a delicate balance between what you need and what works best for your wallet. Sure, the premium—the amount you pay for the policy—matters. That’s right.

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Jackson & Jackson

APRIL 29, 2024

This means you will pay more out of pocket in case of a claim, but your monthly or annual insurance costs will be lower. Bundle Your Policies If you own multiple properties or require various types of insurance, bundling these into one policy with a single insurer can lead to discounts.

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Bankers Insurance

MAY 16, 2024

These policies can provide critical financial security as homeowners seek to protect their fiscal stability and property. As insurance companies leave certain markets or refuse to issue policies to certain properties, homeowners may be forced to seek more expensive options, such as state-supported insurers. WHAT HAPPENED IN 2023?

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American Agents Alliance

OCTOBER 24, 2024

The lawsuit, filed in Alameda County Superior Court, argues that the FAIR Plan’s handling of smoke claims falls short of the legal standards for fire insurance policies mandated by state law. In reality, the plaintiffs argue, the changes resulted in more denied claims and less protection for homeowners.

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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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Smart Insurance Agents

AUGUST 19, 2024

We will look at what you need to qualify for coverage, possible out-of-pocket costs, and tips for Medicare beneficiaries to keep their expenses in check. While Medicare generally doesn’t cover weight-loss drugs, potential changes are being discussed due to rising obesity rates. Ozempic is made by Novo Nordisk.

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Bankers Insurance

JULY 8, 2024

Companies with employees who travel for business may want to consider supplemental coverage from a travel insurance policy. Purchasing an international travel insurance policy may be the only way you can cover all your bases. Travel insurance is designed for problems that arise suddenly during a trip.

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Smart Insurance Agents

AUGUST 29, 2024

Unlike individual plans, which cover individuals and their families, small business health insurance covers a group of employees under a single policy, typically offering more comprehensive and affordable options. Through HealthCare.gov, business owners can explore various health insurance choices tailored to their specific needs.

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Property Insurance Centre

SEPTEMBER 25, 2024

See what is not covered in terms of events/damage for your policy and think about getting flood insurance or accidental damage insurance if desired. Accidental damage is not usually covered by a normal building insurance policy. – Failure to read particular policy documents. – Not considering inflation.

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Shield Insurance Agency

APRIL 19, 2024

Among these requirements, collision coverage is a significant aspect that drivers should understand in order to make informed decisions about their insurance policies. The deductible is the amount you must pay out-of-pocket before your insurance coverage kicks in. Which Option Is Right for You?

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Smart Insurance Agents

SEPTEMBER 1, 2024

Key Takeaways Health insurance typically covers emergency services out-of-state, but routine care may not be included; it’s essential to verify coverage details with your insurer before traveling. Health Insurance Coverage for Out-of-State Travel When traveling out of state, it’s important to grasp your health insurance coverage.

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TGS

OCTOBER 3, 2024

So, not only do these add-ons keep you safe, but they can also keep more money in your pocket. Deductible Amount Your deductible is the amount you pay out of pocket before your insurance kicks in. While you might think it’s all about the size or value of your home, there’s a lot more at work beneath the surface.

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Triple-I: Homeowners Insurance

DECEMBER 3, 2024

Louisiana Insurance Commissioner Tim Temple – a self-described “unicorn” among insurance regulators, given his decades-long background in the industry as an agent, broker, and company president – even renamed programs to address “legal system abuse” when he assumed office in January. Clear communication is key, the participants agreed.

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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. Exploring Coverage Options Under the ACA If youre self-employed, you can search the state healthcare marketplace, Covered California , to browse all available options for standard policies.

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TGS

SEPTEMBER 11, 2023

With replacement cost coverage, a flood policy must also be active at the time of the damage, or else there will be actual cash value coverage. As with most insurance policies, your property will be inspected to ensure it meets the Southern Building Code and the Federal Flood Construction and Zoning guidelines. million in protection.

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TGS

OCTOBER 25, 2024

Materials weaken, systems wear out, and even the most well-maintained property is subject to the natural process of aging. Inflation and Rising Repair Costs Just as the cost of groceries or a night out has increased, so too have the costs associated with home repairs and rebuilding.

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Word & Brown

SEPTEMBER 25, 2024

According to reporting last year by KFF (the independent source for health policy research, polling, and journalism formerly known as the Kaiser Family Foundation) data from insurers for Affordable Care Act Marketplace plans show nearly 17% of in-network claims were denied in 2021. trillion was spent on health care for calendar year 2022.

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Freeway Insurance

NOVEMBER 22, 2023

You may have to pay more out of your own pocket. It was created as part of the Affordable Care Act to make health coverage more accessible and affordable for Californians. The marketplace offers a variety of health insurance options, and you can compare different plans to find one that fits your needs and budget.

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Smart Insurance Agents

SEPTEMBER 2, 2024

Eligibility for ACA Marketplace coverage allows green card holders to access premium tax credits and subsidies , significantly lowering premium and out-of-pocket expenses, thus facilitating affordable health insurance. Here, green card holders can choose from a range of plans designed to fit different budgets and medical needs.

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Word & Brown

NOVEMBER 7, 2024

Here are seven proven techniques to help you close more sales as a health insurance agent or broker. Tell them how you have helped others save on their employee benefits or reduce workers’ out-of-pocket costs. Ask questions, so you can find out what’s most important to the employer or benefits manager.

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