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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Boyle Agency Insurance

SEPTEMBER 4, 2024

A plan with lower premiums may offer fewer benefits or higher out-of-pocket costs. Visiting out-of-network providers can result in higher costs or reduced coverage. Pay attention to details such as deductibles, copayments, coinsurance, and coverage limits.

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Smart Insurance Agents

AUGUST 19, 2024

Key Highlights Comparing Medicare Supplement Plans Insurance, or Medigap, helps cover costs that Original Medicare doesn’t, like copays and deductibles. 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.

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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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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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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. Opting for a higher deductible can lower your monthly premium. It makes sense, right?

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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

AUGUST 19, 2024

Medigap helps with out-of-pocket costs like deductibles, copays, and coinsurance, providing clearer financial protection. These plans mainly help cover costs like coinsurance, copayments, and deductibles. Deductibles: This is the amount you must pay for covered healthcare services before your Medicare benefits start.

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Smart Insurance Agents

AUGUST 19, 2024

When selecting a dental plan, it is crucial to compare annual coverage limits, costs, deductibles, and waiting periods to ensure adequate coverage for both preventive and major dental services. If you’re considering dental implants, most plans that cover this service will do so at a rate of about 50 percent, provided that deductibles are met.

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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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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

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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Shield Insurance Agency

APRIL 19, 2024

This coverage pays for damages to your vehicle regardless of fault, meaning that even if you are at fault for the accident, your insurance will cover the repair costs up to the actual cash value of your vehicle, minus your deductible. The deductible is the amount you must pay out-of-pocket before your insurance coverage kicks in.

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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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PSM Brokerage

AUGUST 12, 2024

These letters, typically sent out by Medicare Advantage and Part D plans in September, provide important updates on changes to the clients’ current plans for the upcoming year. Adjustments to out-of-pocket maximums, which can significantly impact your clients’ financial planning. What is an Annual Notice of Coverage (ANOC)?

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Protect Commercial Insurance

OCTOBER 4, 2024

Understanding Rising Interest Rates Image courtesy: Unsplash Interest rates are like the tide of the economic ocean—when they rise, they can have significant ripple effects across various sectors, including property insurance. To understand this, let’s dig into what causes interest rates to increase and how they have behaved over time.

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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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TGS

OCTOBER 3, 2023

Deductibles 8. If you suffer from losses or damages beyond those limits, you will be responsible for paying the rest out of pocket. Deductibles In the event of a worst-case scenario, your deductible is the amount you’ll be obligated to pay out-of-pocket before your insurance will step in to foot the rest of the bill.

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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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LexisNexis

AUGUST 13, 2024

They include: Louisiana SB 444 and West Virginia SB 453 , both of which govern reimbursements by PBMs, and Oregon HB 4113 , which mandates that PBMs count payments made by or on behalf of an enrollee for prescription drugs when determining the enrollee’s contribution to out-of-pocket deductibles and maximums. As the U.S.

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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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Protect Commercial Insurance

JULY 26, 2024

Consider Deductibles When comparing quotes, pay attention to the deductibles associated with each policy. 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. It covers legal fees, settlements, and judgments.

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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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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. Cheaper policies can come with higher deductibles, more exclusions, and lower coverage limits, which could cost more in the long run. This often happens when trying to save on premiums.

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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. More than three-quarters of denials (77%) were for other reasons.

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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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Ease

FEBRUARY 21, 2023

Though uptake of consumer-driven health plans remains a small slice of the pie, participation in high deductible health plans has increased 68% year over year. Panning out, HDHPs typically combine with a health savings account (HSA). While the jump in average premiums from 2021 to 2022 fell under the 6.5%

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Scott Insurance

OCTOBER 5, 2022

Opportunities Diversified health plan offerings can help employers stand out. Preferred Provider Organizations (PPOs) and High Deductible Health Plans (HDHPs) remain the most popular plan types. The 2022 survey results include data from nearly 24,000 companies, representing 3.8 million employees and $51.8

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Bankers Insurance

JULY 8, 2024

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. In most cases, the deductible requires the insured to pay about 10 percent of any loss. For example, insurance for a $2,000 trip may cost $80 to $160.

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Scott Insurance

OCTOBER 3, 2023

Are there sufficient options offered? Are employees carrying the right amount of the plan cost? While decisions for 2024 plans have likely already been made, it is never too early to start thinking strategically about your employee benefits program and to consider how your offerings compare to those of peer organizations.

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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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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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Scott Insurance

SEPTEMBER 13, 2021

Preferred Provider Organizations (PPOs) and High Deductible Health Plans (HDHPs) remain the most popular plan types. In today’s volatile and extremely competitive talent market, it is important to make sure your employee benefits offerings are an asset to your organization – helping you attract and retain employees.

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Smart Insurance Agents

OCTOBER 15, 2024

Here’s what you need to know about potential penalties, changing regulations, and ways to stay covered. Key Takeaways Penalties for lapses in health insurance coverage still exist in some states, despite the federal repeal of the individual mandate penalty in 2019. The penalties aimed to encourage continuous health coverage.

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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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Ease

MARCH 9, 2023

Employees that can afford to spend a little more on health insurance will pick a plan with a lower deductible and higher monthly cost, while the newest generation has different ideas. 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.

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Scott Insurance

NOVEMBER 19, 2020

For customers with insurance, customers will also have access to the discounted cash price; however, prescriptions processed under the Amazon Prime prescription savings benefit will be run outside of their insurance and will not apply toward any applicable deductible or out of pocket maximums.

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