Open Enrollment

2018 Medicare Annual Open Enrollment Is Around The Corner

One of the greatest gifts in life is good health. Bad health or lack of access to good and affordable health care is always one of the biggest burdens anyone can have especially if one is not working.

Medicare Health Insurance Program

Luckily, the Federal government has some programs dedicated to ensuring affordable health care for citizens of the United States. One of these programs is the Medicare health insurance program.

This health insurance program seeks to subsidize the cost, of receiving health care through paying certain health care expenses. The Centers for Medicare & Medicaid Services (CMS) which is a part of the United States Department of Health and Human Services (HHS) is responsible for administering Medicare.…

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Medical Malpractice

Medical Malpractice Insurance Crisis On The Rise In America

Presently, the battle at hand is the medical malpractice insurance crisis, which is totally different from the one we experienced in the late 1970s. There is too much happening in the midst of diminishing medical malpractice insurance services:

  • Insurance carriers are becoming bankrupt
  • Insurance premiums are soaring day by day
  • Cost of malpractice insurance becoming prohibitive to the extent of making physicians quit in some areas

Most disturbing are the effects to the patients. The ease of accessing health care is getting compromised by the drama.  …

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Medicare After Retirement

All About Medicare After Retirement

Most Americans retire between the age of 62 and 65. At/after this age, one’s health starts getting deteriorated significantly. After all, health declines with age.

It is, therefore, necessary for those going into retirement to obtain appropriate and pocket-friendly healthcare coverage.

For those aged 65 and above the Medicare program is suitable because it will make health insurance cheaper. What’s more, even those with pre-existing conditions are eligible.…

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Health Insurance Special Enrollment

How To Qualify For Special Enrollment For Health Insurance Plans

Enrolling into health insurance schemes can seem like a complicated enough process at the best of times. Each scheme has its benefits and circumstances and its open enrollment system.

Some, such as Medicaid and CHIP have open enrollment all year round, but others do not. The good news for many citizens is that there are special enrollment periods for health insurance for those that qualify.…

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Medical Malpractice

Tips To Cut Cost On Medical Malpractice Insurance

Medical professional liability insurance, or known to the public as medical malpractice insurance, is a type of insurance that is offered to health care providers to guarantee them protection.

This insurance protects the professional liability of the health care professional from liabilities linked to medical expenses, wrong procedures that end up with bodily injuries, etc.

Nowadays, no business can find a shortcut when it comes to costs, and no business can skip the part where money must be paid. A manager that will keep the costs at their lowest point is a manager that everyone would appreciate and is worth keeping.…

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Health Insurance

Health Insurance After The Elections

The Affordable Care Act (ACA) was introduced six years ago in the healthcare industry.

With a promise of putting in place integrated health insurance reform, which will reduce health care costs, hold insurance companies accountable, expand coverage and improve the overall quality of care for all Americans, it seems the $3 trillion healthcare industry might be losing its plot in the turbulent political playbook.

As if speculations were not enough, the election of Donald Trump has spurred anxiety among people and other industry leaders, who were stunned his unexpected victory in the just concluded elections.…

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Group Employee Health Insurance

The Benefits Of Group Employee Health Insurance

As a forward-thinking company, offering group employee health insurance is one of the most important decisions you can make to thrive and remain competitive in today’s fast-racing business world.

It is a cornerstone that not only helps the employee but also streamlines business operations. Apart from enabling employees to make health coverage claims when the need arises, group employee health insurance comes with some benefits.…

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Health insurance

Health Insurance Policies For Immigrants In The US

Foreign travelers who are coming to the United States to live have different health insurance needs than those who are just traveling through or visiting. While certain needs may be different, immigrants and travelers have one thing in common- the need to have some form of medical coverage while they are on American soil. As much of the world already knows, healthcare in the US is exceeding expensive, and many United States citizens lack proper health care coverage.…

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health care

What Is Health Care Reform?

Federal health care reform  or also called Affordable Care Act (ACA) uses a “building blocks” approach that starts with the health insurance companies.   Health care reform builds upon our current health insurance system to supply a lot of individuals with access to health insurance coverage, establish legal protections for customers, and established mechanisms for customers to be informed and make good buying decisions for insurance.…

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Original Medicare vs. Medicare Advantage Plans


When an eligible US citizen turns 65 years old, they can apply for Medicare Insurance on the website.  Regular health insurance will stop once a person turns 65 years old. As a senior citizen, you probably know, there are alternatives to original Medicare (Part A & Part B) you have a choice of selecting a Medicare Supplemental plan (also called Medigap plan) or a Medicare Advantage plan (Part C).

Nowadays, many seniors prefer to go with a Medicare Advantage plan over original Medicare since they are required to cover the same things at a minimum and have additional benefits, plus the out of pocket expenses may be lower since there is an annual limit on the out-of-pocket-max.

Most seniors have a difficult time deciding which insurer or what …

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Medical Malpractice

Filing A Medical Malpractice Claim Without Help Of A Lawyer

Do I Need a Lawyer?

If you find yourself facing problems with a medical malpractice claim, it is always prudent to weigh carefully whether you want to hire a lawyer to represent you, or go it alone. And in particular, you may be called upon to invest some thought into two particularly vexing scenarios: How challenging the legal problem is likely to be; and what are the chances of success.

According to Jason Konvicka: “Medical malpractice happens when a health provider fails to use the recognized procedures when treating the patient after injury.” The “standard care” is defined as, “what a reasonably prudent medical provider would or would not have done under constant or similar circumstances.” In essence to that, it boils down to know whether the vendor was negligent.…

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Best Tips For Health Insurance

The Difference Between Blue Options, Blue Care, and Blue Select

health-insurance-Tips-640x291Florida health insurance can be a challenging area to navigate, and the pressure to get the perfect plan for your needs can feel immense. The inability to re-enroll for long periods of time, sometimes many months until the next open enrollment. While Florida Blue offers fantastic healthcare options, making your way through the ton of plans often can feel overwhelming.

What does Blue Options, Blue Care, and Blue Select even mean in Florida health insurance terms?

These three networks of the Florida Blue plan system comprise of the core of providers and facilities offered. In effect, they simply represent the network you’ll be joining with your affordable healthcare insurance, nothing more or less than that.

Blue Options, of all the Florida Blue packages, has the largest PPO network, and good …

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Accident insurance

Why Buy Accident Insurance?

No one ever plans on having an accident, all the same, accidents occur every day. Accident insurance (not to be confused with accidental death only insurance) is designed to protect the family from the expenses that come along with having an accidents.

Many individuals who already have health insurance think of themselves as fully covered, but that may not always be the case. Most health insurance comes with stipulations, some stricter than others. An example of these limitations could be a high deductible and many different co-pays.…

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medical claims

Why Do Health Insurance Plans Not Pay Every Claim?

Individuals buy medical insurance to protect themselves against the misfortune brought on by an accident or sudden illness. The likelihood that such an event could happen a person never knows.  However, should an illness or accident happen the medical costs could be devastating for the individual or entire the family.…

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dentist appointment

Can I still buy Dental Insurance? Annual Open Enrollment Is Closed!

Yes, you can still buy Dental Insurance!

That is one of the insurance policies you are allowed to purchase anytime during the year, whereas health insurance can only be bought during open enrollment.

Usually, if the dental plan bought by the 15th of the month, if will take effect the 1st day of the following month.  Having a dental insurance plan for adults is very important to avoid the high costs that many complications with teeth can cause.

Many people underestimate the significance of dental health and this is why they don’t consider dental coverage as a priority when buying regular health insurance plans.

Why You Should Buy Dental Insurance-

In-Network Dentist And Oral Specialists

With a dental insurance coverage, you get the chance to see a board

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