Smart Insurance Agents

OCTOBER 14, 2024

Everything You Need to Know About $0 Monthly Premium Medicare Advantage Plans Medicare Advantage plans can offer a zero monthly premium due to how they are funded by the federal government. Private insurers receive subsidies to manage Medicare benefits, allowing them to reduce or eliminate premiums for beneficiaries.

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Final Expense Brokerage

NOVEMBER 30, 2024

Starting earlier can give you peace of mind and lower premiums, so you’re covered regardless of what life brings.” Nov 30, 2024 11:23:52 AM Contact Us Share: Enhance client discussions by addressing the most common final expense misconceptions. They may think that because they’re in good health, they don’t need this type of insurance.

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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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Simply Insurance

SEPTEMBER 19, 2024

Discover the factors that influence the cost of dental insurance, including coverage options, premiums, and out-of-pocket expenses. Learn how to choose the best plan for your needs and budget.

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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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TGS

OCTOBER 25, 2024

TGS Insurance » Blog Top Reasons Your Home Insurance Premium Might Increase [2024] Owning a home is often a dream come true, but when that dreaded notice arrives in the mail—informing you that your home insurance premium has gone up—it can feel more like a nightmare. If you’re wondering why your premiums have spiked, you’re not alone.

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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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Distinguished

APRIL 21, 2025

Without specialized landlord insurance, property owners may find themselves covering substantial repair costs, legal settlements, and lost income out of pocket. The citys density, property values, and the likelihood that someone could make a claim all contribute to premium fluctuations. In Chicago alone, more than 2.7

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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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Redbird Agents

JULY 12, 2024

Redbird Training - We offer live Redbird training classes for Producers every Tuesday and Thursday. The “1,2,3,4,5 method” of presenting hospital indemnity insurance will change your life, I promise! If it doesn’t, it’s because you don’t want to cross sell and make more money! Do you have to sell it to everyone?

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PSM Brokerage

JANUARY 7, 2025

Cost Medicare Advantage : Known for low or $0 monthly premiums, but clients may face higher out-of-pocket costs when accessing services. Medicare Supplement : Higher monthly premiums but fewer out-of-pocket costs, providing predictable healthcare expenses. Cap on annual out-of-pocket costs.

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TGS

MARCH 4, 2025

This often comes with higher premiums. TGS Insurance Blog Driving without insurance in Florida might seem like a way to save a few bucks, but the consequences can be far more costly than youd expect. The state mandates that all registered vehicles carry minimum auto insurance coverage as the Florida Financial Responsibility Law outlines.

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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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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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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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Smart Insurance Agents

AUGUST 19, 2024

Key Takeaways PPO plans offer flexibility in choosing providers without referrals, but come with higher premiums and out-of-pocket costs, while HMO plans are more cost-effective but restrict provider choices and require coordination through a primary care physician. What is an HMO?

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TGS

OCTOBER 28, 2024

Simply put, a deductible is the amount you agree to pay out of pocket before your insurance kicks in after a claim. It’s a bit of a balancing act: on one hand, a higher deductible can lower your monthly premiums, but on the other hand, it means you’ll pay more out of pocket in the event of an accident.

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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. Shield Insurance Blog | Small Insurance Claims | Contact Our Sales Team!

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P&L Financial Services

OCTOBER 10, 2024

Whether it’s rising insurance premiums, higher prescription drug costs, or increased out-of-pocket expenses, retirees should anticipate adjustments. Make sure your plan offers the best coverage for your health needs and compare plans that may offer lower premiums or better benefits.

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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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PSM Brokerage

JANUARY 22, 2025

Do: Clearly state premium costs, deductibles, and coverage benefits. The Role of Web-Brokers Web-brokers must meet additional compliance requirements, including: Accurate display of plan information, including subsidies and out-of-pocket costs. Adherence to Marketplace branding and logo use rules.

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PSM Brokerage

JANUARY 13, 2025

Address Client Concerns Some clients may prioritize lower premiums over higher star ratings. Explain how a higher-rated plan could save them money in the long term through better benefits and lower out-of-pocket costs. Member Satisfaction: Feedback from enrollees on their experience. Happy clients often result in referrals.

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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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Protect Commercial Insurance

APRIL 4, 2025

– Tenant Eviction : Evictions can be a costly and drawn-out process. – Tenant Eviction : Evictions can be a costly and drawn-out process. Two insurance options that often get overlooked but can make a significant financial difference are rent guarantee insurance and home emergency insurance.

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P&L Financial Services

SEPTEMBER 20, 2024

Medicare Advantage Plans: Premiums and out-of-pocket costs can fluctuate, and new benefits like vision, hearing, and dental care may be added. Part D Prescription Drug Plans: Changes in premiums and the formulary list could impact the cost of your medications. This may be a time find a more suitable option.

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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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Peter J. Fournier

JANUARY 15, 2021

Note: If you are more of an audio learner, check out this YouTube video 30% Of Your Business Is Falling Off The Books Insurance agents are constantly on the hamster wheel of trying to outwrite premiums and keep writing more and more production every year. You’re a pretty good agent and your average premium is not bad.

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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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Freeway Insurance

OCTOBER 8, 2023

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. This is the amount of money you have to pay out of your own wallet before your insurance company will help you pay the rest of the claim. This is called a premium increase.

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Smart Insurance Agents

AUGUST 19, 2024

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. Even though the coverage is similar, like Plan G from one company being the same as Plan G from another, the premiums can be different.

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Paragon Independent Insurance Agencies

JULY 31, 2024

A home insurance deductible is the money you must pay out of pocket when filing a claim before your insurance kicks in. You will be responsible for paying a deductible out of pocket every time you file a homeowner claim. Reach out to us today! What is a Home Insurance Deductible?

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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. However, taking specific protective measures against these risks can help reduce premiums.

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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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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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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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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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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. 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. And we’ve got just the right tool to help you through it.

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