Simply Insurance

SEPTEMBER 19, 2024

Discover the factors that influence health insurance costs, including premiums, deductibles, and out-of-pocket expenses. Learn how to find the right coverage for your budget and needs in this comprehensive guide.

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Smart Insurance Agents

OCTOBER 13, 2024

These waiting periods can last from a few months to a year or more for major treatments. But “no waiting period” dental insurance policies let you use certain dental services right away, starting from the first day of your policy. This is helpful because you don’t have to deal with waiting.

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TGS

OCTOBER 3, 2024

TGS Insurance » Blog 10 Factors That Affect Homeowners Insurance Premiums in Florida When it comes to homeowners insurance premiums, several factors come into play, and understanding them can be the key to managing your costs. Let’s dig into the 10 factors that affect homeowners insurance premiums in Florida—and everywhere else, too.

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P&L Financial Services

OCTOBER 3, 2024

Medicare Supplement (Medigap): Helps cover out-of-pocket costs that Original Medicare doesn’t. Premiums, deductibles, and out-of-pocket expenses vary depending on the plan. Premiums, deductibles, and out-of-pocket expenses vary depending on the plan.

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Shield Insurance Agency

AUGUST 20, 2024

Small Insurance Claims Can Raise Premiums Small insurance claims, such as those for minor property damage, may seem like a hassle to deal with. One major consequence of filing small insurance claims is the potential for increased insurance premiums. Additionally, small claims often require you to pay a deductible.

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Redbird Agents

JULY 12, 2024

It’s a massive disservice to the customer and these plans need to be presented together so they know the path to reduce the financial burden of medical bills such as deductibles, coinsurance, emergency room expenses, and many other medical costs that come along with hospital admission. Do you have to sell it to everyone? It’s simple.

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Smart Insurance Agents

DECEMBER 9, 2024

Affordable Premiums: Short Term Health Insurance Plans typically offer more affordable premiums compared to long-term health insurance plans. Short Term Health Insurance Illinois: No longer available as of January 1, 2025. They can use the Find Local Help tool on GetCoveredIllinois.gov to find our navigators in their area.

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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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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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Jackson & Jackson

APRIL 29, 2024

Increase Your Deductible Increasing your deductible is one of the simplest ways to lower your insurance premiums. 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: Install modern fire alarms, sprinkler systems, and security systems.

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TGS

OCTOBER 30, 2024

Don’t Chase the Cheapest Premium—Focus on Coverage We’ve all been there: drawn to the lowest price, only to realize it wasn’t quite the bargain we thought. Sure, the premium—the amount you pay for the policy—matters. What’s more important is what that premium gets you. The same thing happens with insurance.

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Freeway Insurance

OCTOBER 8, 2023

Right off the bat, you might have to pay your deductible, which is the amount you agreed to when you got your insurance. There’s also the possibility of shelling out money for a rental car and any immediate medical or car repair costs from your own pocket. What Is A Car Insurance Claim? Think of it as a participation fee.

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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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Boyle Agency Insurance

SEPTEMBER 4, 2024

A plan with lower premiums may offer fewer benefits or higher out-of-pocket costs. Evaluate the overall value of the plan by considering both the premium and the coverage it provides. Visiting out-of-network providers can result in higher costs or reduced coverage.

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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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Ease

FEBRUARY 21, 2023

Annual benchmarking and trend report shows smallest businesses see biggest medical premium increases SAN FRANCISCO, Feb. million employees and their 85,000 employers, the report continues to see medical premiums tick up. While the jump in average premiums from 2021 to 2022 fell under the 6.5% Drawing on anonymized data from 3.4

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TGS

OCTOBER 3, 2023

A lot of factors go into calculating your home insurance premium. Deductibles 8. Total Premium 11. Insured Address Your home’s location is a critical piece of the calculations that determine your homeowners insurance premium. It can take up to a few days to get your quote, depending on the carrier or agency.

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Smart Insurance Agents

AUGUST 28, 2024

Beneficiaries should consider monthly premiums, provider networks, and prescription drug formularies when selecting a Medicare Advantage plan, with resources like Medicare.gov available for assistance. In 2024, Illinois residents can choose from 158 different plans, each offering unique benefits and coverage options.

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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. However, the premium costs can vary between different insurers. Each Medicare Supplement insurance plan can vary in premiums and coverage, so it’s a good idea to compare these options closely.

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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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Healthinsurance.org

APRIL 25, 2024

2 And thanks to federal legislation, the American Rescue Plan (ARP), that enhanced ACA premium subsidy eligibility for millions of consumers, you’re more likely than ever to find Marketplace coverage that’s subsidized – and you won’t have to wait for the next annual open enrollment period to enroll if you’re eligible for a SEP. (To

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Protect Commercial Insurance

OCTOBER 4, 2024

How Interest Rates Influence Insurance Costs Insurance premiums are sometimes indirectly influenced by interest rates. Here’s how: insurers rely on investment income to keep premiums competitive. When interest rates rise, the returns on these investments can increase, potentially affecting premium rates.

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Protect Commercial Insurance

NOVEMBER 8, 2024

By understanding your policy needs, shopping around, and exploring available discounts, you can effectively manage insurance premiums and keep your business financially secure. However, commercial insurance premiums can sometimes strain your business finances if not managed wisely. The good news?

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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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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. It also created tax credit programs to help lower-income individuals pay less for their premiums. There will be multiple types of health insurance plans, such as HMOs and EPOs.

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Smart Insurance Agents

AUGUST 29, 2024

The primary types include Health Maintenance Organization (HMO), Preferred Provider Organization (PPO), Exclusive Provider Organization (EPO), Point of Service (POS), and High-Deductible Health Plans (HDHP). Through HealthCare.gov, business owners can explore various health insurance choices tailored to their specific needs.

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Ease

MARCH 9, 2023

Take a deep dive into plan adoption rates, rising medical premiums, and the power of voluntary benefits for the new year. 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.

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Protect Commercial Insurance

JULY 26, 2024

Insurance premiums can vary significantly between providers, so it’s essential to compare quotes from multiple insurers. Obtain quotes from at least three different insurers to compare coverage options and premiums. Insurers often provide discounts for bundling multiple policies, which can help you save on premiums.

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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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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

AUGUST 19, 2024

Some plans also help with bigger dental work, like dentures or implants, but these might cost more in premiums. 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.

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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. In this article, we will discuss the key features of the MPP, the benefits it offers to Part D sponsors, and the potential implications for the Medicare Part D program.

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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. Even among typical homeowners policies, premiums likely increased year over year. billion each.

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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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Freeway Insurance

NOVEMBER 22, 2023

Eligible students can apply for financial assistance to reduce the cost of insurance premiums. You might actually find better coverage at lower monthly premiums and even be eligible for other savings based on your income. You may have to pay more out of your own pocket.

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Jackson & Jackson

APRIL 28, 2024

This often happens when trying to save on premiums. 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.

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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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