Smart Insurance Agents

SEPTEMBER 28, 2024

A broker for medical insurance can simplify the process. In this article, we’ll explain the benefits of using a broker, how to find a reliable one, and key questions you should ask. This guidance is particularly valuable as brokers have a legal obligation in many states to assist clients in finding the most appropriate insurance plans.

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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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Word & Brown

APRIL 1, 2025

Its nearly everyones least favorite time of year: tax season. But, working with Word & Brown, you have access to a broad range of plans, products, and services that offer potential tax and other savings to your individual and group insurance clients. The IRS allows deduction of eligible unreimbursed medical expenses that exceed 7.5%

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ProWriters

SEPTEMBER 23, 2024

Watch Zane Goldthorp, our director of broker development, talk with broker Angelina Heckman about how we’re transforming EPL Insurance broking, and then read on for more information about this critical business coverage. Out-of-pocket costs in settlements are rising. In FY 2023 alone, the U.S. increase over FY 2022).

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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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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. Work with an Independent Insurance Broker Independent insurance brokers can shop around on your behalf to find the best coverage at the most competitive rates.

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Zywave

OCTOBER 25, 2024

Everyone wants to make sure they’re getting the most out of every dollar. No matter what industry you’re in, client attrition is a fact of life. It becomes a progressively more painful fact of life when the economy is facing uncertainty. Consumer expectations are growing, and if you can’t meet these demands, you’ll fall behind.

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Healthinsurance.org

JANUARY 2, 2024

Each type of managed care limits, to varying degrees, the number of providers from which a patient can choose, whether the patient has to use a primary care physician, and whether out-of-network care is covered under the plan. And why do health plans have managed care designations? 5 (Medicare Advantage plans are managed care plans.

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Healthinsurance.org

MAY 20, 2024

The story was first reported in early April 2024 by Julie Appleby, and CMS subsequently released a statement, acknowledging the problem and noting that the agency is “ taking swift actions to protect consumers from unauthorized activity by agents and brokers.” What should consumers do? How was that possible?

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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. Work with a reputable insurance broker who understands the unique needs of property investors. This often happens when trying to save on premiums.

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Protect Commercial Insurance

JULY 26, 2024

In this article, we will provide you with four essential tips to help you understand your coverage needs, find the best rates, review and update your policy regularly, and work with an experienced insurance broker. A higher deductible can lower your premium but also means you’ll have to pay more out of pocket in the event of a claim.

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Ease

FEBRUARY 21, 2023

21, 2023 – Ease®, a leading HR and benefits software solution for small- and medium-sized businesses (SMBs), insurance brokers, and insurance carriers, today released the 2023 SMB Benefits and Employee Insights Report. Panning out, HDHPs typically combine with a health savings account (HSA). Small businesses power the U.S.,

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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. Here are five critical considerations you should keep in mind regarding insurance when buying or investing in commercial property.

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Agent Success School

MARCH 3, 2022

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. So besides trying to lock them into a buyer Broker agreement, how can you let them know that you are the agent they should work with? Let’s start with #1.

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Healthinsurance.org

APRIL 25, 2024

In this article ACA Marketplace individual and family health insurance COBRA continuation of group coverage Medicaid Insurance through a spouse’s health plan Short-term health insurance Frequently asked questions In the United States, nearly half of the people under the age of 65 get their health insurance from an employer.

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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. Sell the value Make sure you talk with your customer about what makes the product you’re recommending a better choice for their specific situation, as compared to something from another carrier (or another broker).

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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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American Agents Alliance

OCTOBER 24, 2024

This alleged denial of coverage has impacted homeowners who suffered smoke damage from California’s increasingly frequent and severe wildfires, leaving them to cover cleanup and repair costs out-of-pocket.

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Property Insurance Centre

SEPTEMBER 25, 2024

It is important not to rely only on the words that a broker tells you, try to read all the details. This way you can avoid situations where you end up finding out what you are not being covered for. This will afford you adequate insurance cover to meet all the costs of rebuilding in case of total destruction.

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Jackson & Jackson

MAY 22, 2024

In the event of a loss, property owners with insufficient insurance may face significant out-of-pocket expenses or, in some cases, the loss of the property altogether. Multi-unit commercial properties in California offer investors the potential for significant returns. However, with great opportunities come great risks.

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Smart Insurance Agents

AUGUST 19, 2024

Recent changes to Medicare regulations have expanded the definition of covered dental services, allowing more dental procedures related to critical medical conditions to be eligible for coverage. If you want better dental coverage , looking into other options is important. Dental services are usually seen as different from hospital treatments.

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Ease

MARCH 9, 2023

Every year, there is a new group of Gen-Z employees aging out of their parent’s insurance and they’re opting for the most affordable plan. Take a deep dive into plan adoption rates, rising medical premiums, and the power of voluntary benefits for the new year. And we’ve got just the right tool to help you through it.

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Word & Brown

SEPTEMBER 25, 2024

Nevertheless, as a health insurance broker, you may be called upon by an Individual & Family Plan (IFP) customer, an employee enrolled in an employer-sponsored health plan, or an employer client acting on behalf of themselves or an employee concerning a claims appeal. More than three-quarters of denials (77%) were for other reasons.

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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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Smart Insurance Agents

AUGUST 29, 2024

Offering health insurance enhances employee retention, attracts top talent, and can lead to financial advantages and reduced workplace absenteeism. Through HealthCare.gov, business owners can explore various health insurance choices tailored to their specific needs. Small business health insurance addresses the unique needs of small enterprises.

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Ease

MARCH 20, 2023

While businesses search for an insurance broker, they could consider their peers’ opinions, Google My Business reviews, listed awards and certificates, and available case studies on the broker’s website. First things first: Know the lingo! From the development of a lead-scoring model, lead nurturing is born.

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Healthinsurance.org

JUNE 5, 2024

A finalized federal rule announced by the Departments of Treasury, Health and Human Services, and Labor on March 28, will impose new nationwide duration limits on short-term limited duration insurance (STLDI) plans. the federal-level consumer protections for STLDI enrollees are limited. STLDI plans sold on or after Sept.

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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

NOVEMBER 26, 2024

This proposed rule includes more policies to remove unnecessary barriers to care stemming from the use of inappropriate prior authorization by clarifying requirements for plan use of internal coverage criteria and proposing guardrails for the use of artificial intelligence (AI) to protect access to health services.

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Word & Brown

JANUARY 23, 2025

That represented about 15-17% of the nations population. While that sounds like a substantial number, it actually was down from 43.9 million uninsured Americans in 1998. By 2010, just before the Affordable Care Act (ACA) was signed into law, the number of uninsured persons in the U.S. had risen to 48.2 million, about 18.2% of Americans.

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Healthinsurance.org

MARCH 13, 2025

CMS projects that the proposed rule changes will result in between 750,000 and 2 million fewer Marketplace enrollees in 2026, compared to enrollment projections under existing Marketplace rules. Lets take a look at some of the rule changes that could affect consumers costs and access to Marketplace coverage. 1 through Dec. in all states.

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