Word & Brown

JUNE 13, 2025

Clients want to understand their coverage, the networks associated with their plan(s), and what out-of-pocket costs they face when visiting a doctor, specialist, or hospital – in and out of network. In many situations, this could be the way to go. However, experience should definitely be considered. So does adherence to HIPAA.

Out-Of-Pocket

Simply Insurance

JUNE 3, 2025

Share 0 Share 0 By Licensed Agent: Sa El P ublished : June 3, 2025 Updated : June 6, 2025 IN THIS ARTICLE Heading 2 Example Heading 2 Example There are several different parts to a home-insurance policy , and one of the most critical parts of a policy is the home insurance deductible, but understanding them can seem complicated.

Deductible

TGS

MARCH 4, 2025

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. Florida law requires all drivers to carry a minimum level of insurance coverage, and failing to comply can lead to penalties, legal trouble, and financial headaches.

Auto Insurance

PSM Brokerage

FEBRUARY 11, 2025

Expand Your Portfolio: Why Every Insurance Agent Should Offer Travel Medical Insurance Help Your Clients Travel with Confidence As an insurance professional, you work hard to ensure your clients are protected from the unexpected but what happens when they leave the country?

Out-Of-Pocket

PSM Brokerage

JULY 11, 2025

Why This Cancer Plan Stands Out This isn't just another supplemental plan. For agent use only. That’s where Allstate Health Solutions' new Cancer Plan can make a real difference—and give you another powerful tool in your portfolio to support and protect your clients. 📞 Have questions or want to get contracted?

Out-Of-Pocket

Shield Insurance Agency

MAY 12, 2025

As the weather warms up and spring is in full swing, many of us are eager to get our recreational vehicles out and enjoy the season. That’s why it’s essential to work with a trusted agent who can explore your options and find a policy tailored to your specific needs.

Out-Of-Pocket Expense

PSM Brokerage

JULY 29, 2025

That’s why we’re excited to share a new solution that helps agents like you offer better protection and peace of mind to your Medicare clients. Click here to view plan details → ] Hospital indemnity coverage is one of the smartest add-ons you can recommend to Medicare clients, especially those with high out-of-pocket exposure.

Protection

TGS

MARCH 17, 2025

Thats the max itll pay out, no matter how bad things get. With liability-only auto insurance, youre out of luck. The trick is figuring out if your cars worth more than the cost of a full coverage policy. The Risks Youre Rolling the Dice On Alright, lets lay it out plain and simple. I mean, who doesnt love a good deal?

Auto Insurance

PSM Brokerage

JUNE 30, 2025

What’s Covered in the June Podcast: 🎙 How to Sell Hospital Indemnity Plans Learn strategies for positioning hospital indemnity as a financial safety net—especially for clients worried about out-of-pocket costs. If you haven’t tuned into Mutual of Omaha’s latest updates, now’s the time.

Out-Of-Pocket

PSM Brokerage

JUNE 12, 2025

What Agents Need to Know About This Year’s AHIP Medicare Curriculum As we approach the 2026 Medicare selling season, it’s important that agents stay current on new policy changes impacting Medicare Part D—and those updates are front and center in this year’s AHIP Medicare + Fraud, Waste, and Abuse certification.

Out-Of-Pocket

Freeway Insurance

APRIL 21, 2025

Check out the main ways Freeway Auto Club can save you money by exploring the key benefits below. Roadside assistance comes in handy in several situations, including: Getting locked out of your car: Freeway will send knowledgeable locksmiths to help you unlock your doors if you accidentally lock your keys in your vehicle.

Out-Of-Pocket

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.

Broker

Redbird Agents

JUNE 17, 2025

Andrew Hibbard Interview At-A-Glance Independent agent writes 30 T65 policies per month, and has done so for more than 5 years. Below is a glimpse into our conversation about his experience and why agents should take advantage of the training he offers. I’m sure this will resonate with a lot of agents. T65 is all I do now.

Agents

Simply Insurance

JUNE 18, 2025

Share 0 Share 0 By Licensed Agent: Sa El P ublished : June 18, 2025 Updated : June 20, 2025 IN THIS ARTICLE Heading 2 Example Heading 2 Example Burial insurance, often referred to as final expense insurance, is a type of life insurance designed to cover the costs associated with a persons funeral and burial. Agents not required.

Life Insurance

Simply Insurance

JUNE 20, 2025

Get affordable rates, coverage options, and expert tips to save—get free quotes now! And with some 40.1% of California residents being pet parents , finding the best pet insurance in California has never been easier. Well cover the average cost of pet insurance in California , and show you how to get free pet insurance quotes online.

Insurance Quotes

Simply Insurance

JUNE 15, 2025

Share 0 Share 0 By Licensed Agent: Sa El P ublished : June 15, 2025 Updated : June 17, 2025 IN THIS ARTICLE Heading 2 Example Heading 2 Example Getting older is inevitable; however, lacking the financial means for long-term care isnt. Agents not required. Get quotes and sign up online without talking to an agent.

Insurance Quotes

Final Expense Brokerage

NOVEMBER 30, 2024

When discussing final expense insurance with clients, agents often encounter misconceptions that can prevent clients from seeing the value of these policies. This blog breaks down common myths and misconceptions surrounding final expense insurance, offering agents clear strategies and examples to educate and reassure clients.

Agents

PSM Brokerage

SEPTEMBER 18, 2024

These adjustments include a significant decrease in annual out-of-pocket expenses for prescription drugs (from $8,000 to $2,000) and introducing an option for beneficiaries to manage their Part D out-of-pocket costs through capped monthly payments on a new Medicare Prescription Payment Plan.

Out-Of-Pocket

PSM Brokerage

AUGUST 7, 2024

The Inflation Reduction Act (IRA), also known as the prescription drug law, introduces several significant improvements to the Part D drug benefit, projected to save Medicare beneficiaries an average of 30% in annual out-of-pocket prescription drug costs by 2025. This will result in a reduction of approximately $7.4

Premium

PSM Brokerage

JANUARY 13, 2025

Star Ratings: What They Mean and How to Use Them Star ratings play a crucial role in the Medicare landscape, influencing both client decisions and sales opportunities for insurance agents. What Star Ratings Mean for Insurance Agents 1. What Are Star Ratings? Member Satisfaction: Feedback from enrollees on their experience.

Out-Of-Pocket

PSM Brokerage

JANUARY 7, 2025

The Affordable Care Act (ACA) has transformed the health insurance landscape, creating a wealth of opportunities for insurance agents to build successful careers. Becoming a licensed ACA health insurance agent allows you to help individuals and families find affordable coverage while building a steady income stream.

License

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)?

Out-Of-Pocket

PSM Brokerage

NOVEMBER 15, 2024

5 High-Converting Medicare Scripts for Insurance Agents Turn your conversations into conversions with these tested and compliant scripts! Agent: Hi [Client Name], this is [Your Name] with [Your Agency]. Agent: That’s great to hear! Agent: Totally understand! Agent: Hi [Client Name], this is [Your Name].

Agents

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.

Out-Of-Pocket

PSM Brokerage

NOVEMBER 26, 2024

Essential Tools Every ACA Agent Needs to Optimize Their Business As an ACA agent , you’re juggling client relationships, compliance requirements, and sales goals—all while trying to maximize your efficiency and profits. CRM Platforms Tailored for ACA Agents Why You Need It: Managing client relationships is the heart of your business.

Agents

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!

Insurance

PSM Brokerage

JANUARY 7, 2025

As an insurance agent, guiding your clients through Medicare options can feel like navigating a maze. Cost Medicare Advantage : Known for low or $0 monthly premiums, but clients may face higher out-of-pocket costs when accessing services. Cap on annual out-of-pocket costs. Cons : Limited provider networks.

Out-Of-Pocket

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. Eligible DACA recipients can receive financial help if they qualify.

Out-Of-Pocket

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.

Out-Of-Pocket Expense

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.

Premium

PSM Brokerage

AUGUST 7, 2024

Predatory health insurance brokers are stealing money out of families’ pockets by leaving them with uncovered medical expenses, unexpected tax liabilities and more by fraudulently changing or enrolling Americans in health insurance plans in the federal marketplace,” Wyden said. . – Senate Finance Committee Chair Ron Wyden, D-Ore.,

Out-Of-Pocket

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.

Premium

Peter J. Fournier

JANUARY 15, 2021

What is up life agents? 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. 70%, that’s nuts!

Out-Of-Pocket

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.

Out-Of-Pocket

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.

Deductible

Shield Insurance Agency

AUGUST 20, 2024

If the cost of repairs is just a little over your deductible amount, it may be more financially sound to pay for the repairs out of pocket. Sometimes, it may be better to pay for the repairs or replacements out of pocket rather than file a claim. Additionally, small claims often require you to pay a deductible.

Insurance Claim

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. Even though out-of-network care is covered, it comes at a higher cost.

Out-Of-Pocket