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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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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Redbird Agents

JULY 12, 2024

Hospital confinement and the associated unexpected expenses is one of the largest financial risks to individuals and their family members using Medicare Advantage plans, plans through the affordable care act, limited benefit and short term plans, and any other miscellaneous medical insurance plans providing essential coverage. It’s simple.

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Protect Commercial Insurance

NOVEMBER 8, 2024

It provides protection against a plethora of risks, including property damage, liability claims, theft, and even employee injuries. Adequate insurance coverage ensures that your business is fully protected against potential risks that could harm its financial health. The good news? You can cut costs without sacrificing coverage.

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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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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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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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Protect Commercial Insurance

JULY 26, 2024

As a tailor, it is crucial to protect your business from potential risks and liabilities. As a tailor, you face unique risks that require specific coverage. Consider Deductibles When comparing quotes, pay attention to the deductibles associated with each policy. It covers legal fees, settlements, and judgments.

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Scott Insurance

OCTOBER 5, 2022

A continued slight increase is expected over the next years due to the long-term health impacts on those with preexisting risk factors. Opportunities Diversified health plan offerings can help employers stand out. Opportunities Diversified health plan offerings can help employers stand out. million employees and $51.8

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Protect Commercial Insurance

OCTOBER 4, 2024

Underwriting involves evaluating risks and determining suitable premiums for policyholders. With rising interest rates, insurers might re-assess risk portfolios and adjust their criteria to ensure profitability. To understand this, let’s dig into what causes interest rates to increase and how they have behaved over time.

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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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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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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). These plans typically offer lower costs due to the risk being spread across a larger group of insured individuals.

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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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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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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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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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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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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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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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TGS

SEPTEMBER 6, 2023

Some carriers impose a 5% construction deductible, which means extra money out of your pocket for something that would’ve been covered with advance notice. On top of that, you run the risk of having a lapse in your home insurance coverage, as some renovations call for a different insurance policy entirely.

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Peter J. Fournier

JULY 30, 2021

For example, one person might focus on out-of-pocket expenses. You can’t let the risk of embarrassment hold you back. The more of these calls you make, the easier it will be to work out the kinks. Many agents are attracted to selling Medicare plans. This can mean leaving a lot of money on the table!

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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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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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