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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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. Source: [link] View all CMS Inflation Protection Act Press Releases here.

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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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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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PSM Brokerage

AUGUST 7, 2024

and five senators introduced a bill to apply criminal penalties to rogue insurance brokers who are changing Americans’ Affordable Care Act (ACA) marketplace plans without their knowledge or consent, and take other steps to strengthen consumer health insurance protections. . – 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. But is it affordable?

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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

Lenders want to ensure their interest in the property is protected if an unfortunate disaster damages it. 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.

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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. Why Allstate Medicare Supplement Plans Are a Game-Changer When your clients choose Allstate Medicare Supplement plans, they’re gaining more than just coverage—they’re investing in a name synonymous with protection and reliability.

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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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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. Towing or transportation coverage ensures your home is protected while in transit. An agent can discuss various add-ons that your tiny home qualifies for.

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Bankers Insurance

AUGUST 8, 2024

Doing so can make all the difference in providing sufficient protection and preventing coinsurance penalties amid covered property losses. Specifically, they may lack sufficient coverage following property losses, forcing them to pay out-of-pocket expenses to fully rebuild. inflation).

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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 also help cover coinsurance and hospital costs that Original Medicare does not fully pay for, providing additional financial protection.

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Jackson & Jackson

APRIL 29, 2024

This article outlines practical tips and strategies to help commercial property owners in California minimize their insurance expenses while maintaining adequate protection for their investments. This means you will pay more out of pocket in case of a claim, but your monthly or annual insurance costs will be lower.

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Healthinsurance.org

MAY 20, 2024

In this article HealthCare.gov policyholders at risk Scammers circumvent consumers protections The damage to affected Marketplace buyers Factors that led to the alleged fraudulent activity Buyers with lower incomes targeted Is this happening in states that run their own Marketplaces? What should consumers do? How was that possible?

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Smart Insurance Agents

AUGUST 23, 2024

By overhauling the payment model, instituting inflation protections, and fortifying MTM services, Medicare’s 2025 Prescription Plan is laying the groundwork for a more effective, enduring, and patient-focused Part D program.

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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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Jackson & Jackson

APRIL 28, 2024

This article outlines the top five mistakes property investors make with insurance and provides practical tips on avoiding them, ensuring your investments are adequately protected. However, in the event of a claim, this can lead to substantial out-of-pocket expenses due to insufficient coverage limits.

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Jackson & Jackson

APRIL 10, 2024

It’s not just about choosing the correct location or getting the best price; it’s also about ensuring your investment is protected from the unexpected. It protects you from claims arising from accidents or injuries on your property. Insurance plays a pivotal role in safeguarding your property and your financial future.

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TGS

SEPTEMBER 6, 2023

However, for many home renovation projects, you will need to inform your insurance agent. In order to make sure you have the right continuous coverage, always consult your insurance agent! Contact your insurance agent to review your medical payments and liability coverage limits before you get started.

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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. TIPS FOR BUYING HOME INSURANCE For millions of Americans, home insurance remains an essential financial safeguard. WHAT HAPPENED IN 2023? The inflation spike during 2022 reverberated throughout the U.S. billion each.

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American Agents Alliance

OCTOBER 24, 2024

However, the plaintiffs in this case—potentially representing more than 400,000 policyholders across the state—claim that the FAIR Plan has been issuing policies that limit coverage for smoke damage in a way that unlawfully restricts the protection homeowners should receive under California’s standard fire insurance policy.

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Shield Insurance Agency

APRIL 19, 2024

The deductible is the amount you must pay out-of-pocket before your insurance coverage kicks in. Broad form collision coverage may be a better option for those who want more comprehensive protection and are willing to pay a higher premium for it. Which Option Is Right for You?

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TGS

OCTOBER 3, 2024

The more risks your area poses, the more your insurance company will charge to protect you. Basic coverage that just meets your mortgage lender’s requirements will be cheaper than more comprehensive coverage that protects against every possible risk. It makes sense, right?

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Freeway Insurance

DECEMBER 24, 2024

However, reviewing your home insurance policy on a regular basis is essential if you want to fully protect your property. The Importance of Regular Policy Checkups When you first set up your insurance plan, you secure a certain amount of protection based on the current value of your house and any risks associated with your property.

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TGS

SEPTEMBER 11, 2023

TGS Insurance » Blog With hurricane season in full force, South Carolina residents living on the coast must protect their homes from the upcoming storms. Understanding how windstorm insurance works in these areas is the first step in adequately protecting your home. The law protects all land designated “beach” by the legislature.

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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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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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Property Insurance Centre

SEPTEMBER 25, 2024

This way you can avoid situations where you end up finding out what you are not being covered for. Whether you are a homeowner or a landlord, ensuring adequate protection for your property is crucial. Key Takeaways Building insurance is essential to protect your property, but it can be complex. – Not considering inflation.

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Smart Insurance Agents

AUGUST 19, 2024

Medigap helps with out-of-pocket costs like deductibles, copays, and coinsurance, providing clearer financial protection. First, make sure to find out if you are eligible. Original Medicare gives a good base for your healthcare needs. However, Medicare Supplement Plans add more financial help.

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Jackson & Jackson

MAY 22, 2024

Investors must understand the importance of securing comprehensive commercial property insurance coverage to protect their investments. “Understanding Multi-Family Property Insurance” Commercial property insurance is a vital safeguard for property owners, protecting their assets against various risks. .

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Freeway Insurance

NOVEMBER 22, 2023

First, it’s like a safety net that protects you from unexpected medical bills, so you can get the healthcare you need without worrying about money. You may have to pay more out of your own pocket. They cover the essentials, so if you get sick or get hurt unexpectedly, you’re protected.

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Smart Insurance Agents

AUGUST 19, 2024

Key Takeaways Texas offers a variety of dental insurance plans, including PPO and DHMO options, that provide financial protection against routine and emergency dental costs. Imagine the peace of mind knowing that a sudden dental emergency won’t break the bank; this is the financial protection that dental insurance provides.

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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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Smart Insurance Agents

OCTOBER 15, 2024

These states saw continuous health coverage as essential for protecting residents from unexpected medical expenses and maintaining health care system stability. Here’s what you need to know about potential penalties, changing regulations, and ways to stay covered. The penalties aimed to encourage continuous health coverage.

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Smart Insurance Agents

JANUARY 11, 2025

The Importance of Small Business Health Insurance in Texas: Protecting Your Employees and Bottom Line As a small business owner in Texas , you know that taking care of your employees is a top priority. One way to do that is by providing health insurance coverage. One of the primary advantages is that it enhances employee well-being.

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PSM Brokerage

AUGUST 8, 2024

Traditional Medicare lacks an out-of-pocket maximum, which often leads beneficiaries to seek supplemental coverage to manage their financial exposure and make costs more predictable. While Medigap plans help make traditional Medicare costs more manageable, they have historically lacked federal consumer protections.

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