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. This assessment will help the inspector understand the risk level associated with insuring your home. An agent can discuss various add-ons that your tiny home qualifies for.

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Smart Insurance Agents

AUGUST 23, 2024

The MPP aims to provide sponsors with a predictable and stable payment stream through cost sharing mechanisms, which will allow them to manage their risk more effectively. The 2025 Medicare Prescription Payment Plan (MPP) introduces an innovative risk-sharing model that supplants the existing payment structure.

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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. Strategy: Conduct an annual insurance review to adjust your coverage based on current property values and risks. Engage in regular professional assessments of your property to identify and mitigate risks.

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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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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. Specialized risks, such as floods, earthquakes, and business interruptions, require additional coverage, which many investors should pay more attention to. This often happens when trying to save on premiums.

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TGS

OCTOBER 3, 2024

Coastal homes in Florida, for example, face higher premiums due to the increased risk of hurricanes, flooding, and wind damage. The more risks your area poses, the more your insurance company will charge to protect you. The more risks your area poses, the more your insurance company will charge to protect you.

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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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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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Smart Insurance Agents

AUGUST 29, 2024

These plans typically offer lower costs due to the risk being spread across a larger group of insured individuals. Offering health insurance enhances employee retention, attracts top talent, and can lead to financial advantages and reduced workplace absenteeism. Small business health insurance addresses the unique needs of small enterprises.

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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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Smart Insurance Agents

AUGUST 31, 2024

Whether you have dental insurance or are considering obtaining it, this article will guide you through the ins and outs of dental anesthesia coverage to help you navigate the often confusing world of dental insurance. Are you avoiding necessary dental procedures due to fears of pain or discomfort?

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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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American Agents Alliance

OCTOBER 24, 2024

The California FAIR Plan was established to offer fire insurance to homeowners who are otherwise unable to secure coverage from traditional insurers due to the state’s high wildfire risks. A Conflict with the California Department of Insurance The lawsuit also references a key communication from the California Department of Insurance (CDI).

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Bankers Insurance

MAY 16, 2024

Sustained losses inflicted by natural disasters spurred some insurance companies to pull out of the homeowners insurance market in high-risk areas, such as California and Florida, leaving residents with fewer options and higher prices. WHAT HAPPENED IN 2023? The inflation spike during 2022 reverberated throughout the U.S. billion each.

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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. Insurance companies take this aging process into account when assessing risk, and as your home’s structure and systems age, the likelihood of a claim increases.

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Peter J. Fournier

JULY 30, 2021

Many agents are attracted to selling Medicare plans. 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. This comes down to the lack of a relationship most agents have with their clients. But that’s okay!

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Jackson & Jackson

APRIL 10, 2024

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. However, it also comes with risks that must be managed effectively.

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TGS

SEPTEMBER 11, 2023

The South Carolina Legislature required insurance to be available to at-risk coastal homes. According to the state of South Carolina, Wind Pool is a last resort for those in a high-risk coastal area. In South Carolina, if you have a loan out on your home, you must have either wind and hail coverage or names storm coverage.

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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. This blog post aims to provide a clear explanation of the three primary collision options available to Michigan drivers: Standard Collision, Broad Form Collision, and Limited Collision. Which Option Is Right for You?

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Jackson & Jackson

MAY 22, 2024

However, with great opportunities come great risks. “Understanding Multi-Family Property Insurance” Commercial property insurance is a vital safeguard for property owners, protecting their assets against various risks. . It protects against perils like fire, explosions, storms, and other risks outlined in the policy.

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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. This period lasts for six months.

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Freeway Insurance

DECEMBER 24, 2024

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. If something happens to decrease the value or risk level of your house, you may no longer need the same level of protection.

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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. Insure your building at the amount that it will cost to rebuild it and not at the current market value when securing block of flats insurance. – Not considering inflation. – Ignoring exclusions. – Declaring inaccurately.

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Smart Insurance Agents

JANUARY 11, 2025

This proactive approach not only reduces the risk of serious health issues in the workplace but also contributes to a healthier workforce overall, resulting in fewer sick days and increased productivity. 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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Smart Insurance Agents

OCTOBER 15, 2024

The ACA’s individual mandate, which required everyone to have health insurance, was a critical component in maintaining a balanced risk pool and keeping premiums affordable. 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

AUGUST 29, 2024

Lilly Direct is revolutionizing weight management through obesity telehealth. This article explores remote evaluations, customized plans, and constant support that make managing obesity easier. Comprehensive Telehealth Options with Lilly Direct Lilly Direct offers an extensive range of telehealth services tailored to effectively manage obesity.

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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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Smart Insurance Agents

SEPTEMBER 3, 2024

However, the specifics of coverage – like which methods are included and any associated out-of-pocket costs – can differ significantly based on your specific Blue Cross and Blue Shield health plan, your location, and the Affordable Care Act’s mandates. Blue Cross emphasizes the importance of regular screenings and consultations.

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Bankers Insurance

JULY 8, 2024

If you consider the expense for any troubles your employees may encounter, travel insurance can be a cost-effective option to avoid that risk. Employers with workers who travel internationally for business purposes should find out exactly what their health plans cover, in the event the employee needs medical treatment overseas.

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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. Source: [link] Newest Blog Posts | All Blog Posts For agent use only.

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LexisNexis

SEPTEMBER 9, 2024

NY Court of Appeals Says Hospital Shooting Arose Out of Employment. Law § 21(1) that an injury arising in the course of employment is presumed to arise out of employment and be compensable, absent substantial evidence to the contrary. Traveling Employee Injured in Fall Down Employer’s Unobstructed Stairs. Illinois Workers’ Comp.

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PSM Brokerage

JANUARY 13, 2025

The Centers for Medicare & Medicaid Services (CMS) recently released the 2026 Medicare Advantage (MA) and Part D Advance Notice , outlining proposed changes to payment rates, risk adjustment models, and updates related to the Inflation Reduction Act (IRA). View Medicare Agent Resources

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R&R Insurance

APRIL 3, 2025

Find an Agent that You Trust When investing in something as important as insurance, it is vital to make sure the people guiding you through the decision-making process are trustworthy. For instance, Don advises that you find an agent who is not selling insurance based off which company will pay them the most.

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PSM Brokerage

NOVEMBER 26, 2024

The proposed rule can be downloaded here: [link] Coverage of Anti-Obesity Medication Since the inception of the Part D program, CMS has interpreted the statutory exclusion of “agents when used for weight loss” to mean that a drug, when used for weight loss, is excluded from the definition of a covered Part D drug.

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Distinguished

MARCH 25, 2025

In short, their value is highly subjective and requires expertise and connections beyond most insurance agents or brokers. This deal shows that these ducks arent just hunting tools anymore theyre priceless examples of American folk art, commanding prices that rival luxury cars. However, not all antique duck decoys are worth six figures.

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PSM Brokerage

APRIL 8, 2025

This is essential information for agents as you prepare your strategy and support your clients heading into the 2026 plan year. For CY 2026, CMS expects the underlying coding trend to increase risk scores, on average, by 2.10%. Lets break down the major takeaways from this announcement.

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PSM Brokerage

APRIL 8, 2025

Below is a breakdown of the most impactful updates agents should be aware of when preparing for the 2026 plan year. Risk Adjustment and Coding Terminology Updates Technical clarifications include: Updating terminology to align with ICD conventions , using diagnosis codes and diagnosis groupings.

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