Smart Insurance Agents

OCTOBER 13, 2024

Our editorial team at Smart Insurance Agents uses a data-driven methodology to evaluate insurance companies, ensuring that all companies are measured equally. But “no waiting period” dental insurance policies let you use certain dental services right away, starting from the first day of your policy.

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PSM Brokerage

AUGUST 12, 2024

Understanding the Annual Notice of Coverage (ANOC) Letters: A Guide for Insurance Agents As an insurance agent, it’s crucial to stay informed about the Annual Notice of Coverage (ANOC) letters that your Medicare clients receive each year. What is an Annual Notice of Coverage (ANOC)?

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Distinguished

APRIL 21, 2025

For brokers and agents, understanding landlord insurance in Chicago is crucial for helping clients safeguard their investments while expanding business opportunities. Without specialized landlord insurance, property owners may find themselves covering substantial repair costs, legal settlements, and lost income out of pocket.

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Redbird Agents

JULY 12, 2024

Presenting hospital indemnity with every Medical insurance sale is a choice every agent has and most choose not to. Why do agents fall short cross selling hospital indemnity? Why do agents fall short cross selling hospital indemnity? If it doesn’t, it’s because you don’t want to cross sell and make more money!

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Shield Insurance Agency

AUGUST 20, 2024

Loss of Discounts: Deductibles Frequent claim filing can also lead to the loss of discounts you may have earned, such as claims-free discounts. Loss of Discounts: Deductibles Frequent claim filing can also lead to the loss of discounts you may have earned, such as claims-free discounts.

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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. Youll get a chance to view the benefits and stipulations of each plan, including deductibles, out-of-pocket limits, and monthly premiums.

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Smart Insurance Agents

DECEMBER 9, 2024

Ensure that your preferred healthcare providers are within the plan’s network to maximize convenience and minimize out-of-pocket costs. Cost: Evaluate the premiums, deductibles, copayments, and out-of-pocket maximums associated with each plan. Visit Get Covered Illinois for FAQs about the enrollment process.

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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

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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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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Smart Insurance Agents

OCTOBER 14, 2024

While many Medicare Advantage plans may have a $0 monthly premium, beneficiaries must still pay the standard Medicare Part B premium and be aware of other costs such as deductibles, copayments, and coinsurance. Traditional Medicare does not have such a cap, potentially leading to higher out-of-pocket expenses.

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TGS

OCTOBER 3, 2023

This proposed estimate can change in price as your agent works to refine your quote so that it’s curated to suit your unique coverage needs. Deductibles 8. This number is sometimes helpful when consulting with your insurance agent, as well. 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

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 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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TGS

OCTOBER 30, 2024

Mind the Deductibles—Higher Isn’t Always Better A deductible is the amount you pay out of pocket before your insurance steps in. And don’t forget, certain types of claims—like hurricane damage—can carry their own separate deductibles. The same thing happens with insurance. But it’s just one piece of the puzzle.

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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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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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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 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

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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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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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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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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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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Smart Insurance Agents

AUGUST 19, 2024

It’s a good idea to use the online resources from Medicare or talk to a licensed insurance agent. 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. Medicare Advantage plans are a popular choice.

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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 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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Smart Insurance Agents

OCTOBER 16, 2024

Unlike agents tied to one insurer, brokers work with multiple companies to give you unbiased options. Unlike agents who represent a single insurance company, brokers work with multiple insurers, offering a broader array of options to their clients. What is a medical health insurance broker?

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TGS

SEPTEMBER 6, 2023

However, for many home renovation projects, you will need to inform your insurance agent. In order to make sure you have the right continuous coverage, always consult your insurance agent! Contact your insurance agent to review your medical payments and liability coverage limits before you get started.

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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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Peter J. Fournier

JULY 30, 2021

Many agents are attracted to selling Medicare plans. Most agents are attracted to Medicare because of how easy it is to sell. This comes down to the lack of a relationship most agents have with their clients. This comes down to the lack of a relationship most agents have with their clients. But that’s okay!

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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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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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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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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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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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