Word & Brown

JUNE 21, 2025

Out-of-pocket maximum: This is the most the insured will have to pay for covered services in a plan year. In-network vs. out-of-network: Health care providers can be in network or out of network. Out-of-network providers may charge higher rates or may not offer services at all except in case of emergency.

Building

AMAXX

JULY 14, 2025

ERA rules apply in about 35 states and were designed to encourage employers to report medical-only claims rather than quietly paying them out-of-pocket. In Scenario 2, you save your mod, but you pay the entire cost yourself—and you lose out on the potential to let your insurance policy work as intended.

Claim

Protect Commercial Insurance

MAY 9, 2025

Introduction Hello, savvy UK business owners! Owning a retail shop or salon can be a thrilling venture, but it also comes with its fair share of risks. From unforeseen damage to potential customer mishaps, there’s a lot to consider to keep your business running smoothly. That’s where retail shop and salon insurance come into play.

Liability Insurance

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.

Out-Of-Pocket

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

Paragon Independent Insurance Agencies

JULY 15, 2025

To recoup the difference for auto repairs, they had to sue or pay out of pocket. This provision offers a third-party, independent, and neutral option to determine the amount of loss when the insurer and policyholder cannot agree on a number.

Auto Insurance

PSM Brokerage

JANUARY 23, 2025

Medicare supplements (or Medigap plans) offer: Predictable Costs: Clients appreciate the ability to budget for out-of-pocket healthcare expenses. Historically, Medicare supplement plans have consistently made up about 20% of the Medicare market. In 1999, 8 million individuals were enrolled in these plans. Thats a 77.5%

Out-Of-Pocket

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

Simply Insurance

JUNE 3, 2025

Well, here’s the thing: Figuring out how your homeowners insurance deductible works isn’t complicated and it almost works like any other deductible. They both work the same way in that you have to pay them before the insurance company pays out the remainder of a claim. What Is A Home Insurance Deductible?

Deductible

Property Insurance Centre

AUGUST 5, 2025

.” Get a Quote Choose The Best Option Insurance under one roof We are specialists in many types of insurance GET YOUR QUOTE GET YOUR QUOTE So Let’s Dive Into Property Insurance and Storms, and Why Mitigation Matters In recent years, the UK has seen a dramatic uptick in the number and intensity of storms.

Property Insurance

Agency Height

JULY 18, 2025

Discover 10 common exclusions in car insurance that could leave you with thousands in out-of-pocket costs. Think you're fully protected?

Out-Of-Pocket

AMAXX

JULY 30, 2025

Imagine this: One injured employee stays out of work for 35 extra days. At an average indemnity cost of $250/day, plus $3,000 for replacement labor, the total out-of-pocket cost is $11,750. Multiply that by several injuries—and you’ll see how quickly those numbers can spiral out of control. Seems manageable, right?

Workers Comp

PSM Brokerage

JULY 29, 2025

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. [ Click here to watch the short explainer video → ] 📬 Plan Details Get a full breakdown of benefits, optional riders, and customization options.

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

AMAXX

APRIL 30, 2025

When someone is hurt, the process is right in their pocket or on their dashboard no searching required. Lay out your four-step accommodation process and set clear expectations that transitional duty is temporary (ideally <90 days). These are low-cost, high-impact tools that you can roll out quickly.

Workers Comp

Distinguished

AUGUST 11, 2025

Here’s an example that shows why California landlords need insurance that is both high-limit and comprehensive: Recently, a fire broke out in a $10 million condominium building , damaging roughly 40% of the structure. million, required to meet updated code requirements, wasn’t covered, leaving the landlord with a major out-of-pocket expense.

Out-Of-Pocket

Distinguished

JUNE 2, 2025

Without specialized landlord insurance, owners may be left to cover expensive repairs or replacements entirely out of pocket. A tenant who slips on an unshoveled walkway. For Ohio landlords, these aren’t one-off anomalies — they’re routine claims that happen across Cleveland, Columbus, and Cincinnati every year. In fact, 9.3%

Liability

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. Accidents happen, and if someone gets hurt, you could face significant out-of-pocket expenses without adequate coverage. Standard policies typically do not extend to these types of vehicles.

Out-Of-Pocket Expense

Healthinsurance.org

MARCH 13, 2025

CMS projects that the proposed rule changes will result in between 750,000 and 2 million fewer Marketplace enrollees in 2026, compared to enrollment projections under existing Marketplace rules. Lets take a look at some of the rule changes that could affect consumers costs and access to Marketplace coverage. 1 through Dec. in all states.

Premium

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

PSM Brokerage

FEBRUARY 11, 2025

Most health insurance plans dont cover medical expenses abroad , leaving travelers at risk of huge out-of-pocket costs if they need care while overseas. This is where GeoBlue Travel Medical Insurance comes in a simple, affordable, and comprehensive solution that ensures your clients get the care they need anywhere in the world.

Out-Of-Pocket

Word & Brown

APRIL 1, 2025

Its nearly everyones least favorite time of year: tax season. But, working with Word & Brown, you have access to a broad range of plans, products, and services that offer potential tax and other savings to your individual and group insurance clients. The IRS allows deduction of eligible unreimbursed medical expenses that exceed 7.5%

Deductible

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

JULY 11, 2025

Why This Cancer Plan Stands Out This isn't just another supplemental plan. 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. It’s about giving your clients options when life throws the unexpected their way.

Out-Of-Pocket

Word & Brown

MARCH 21, 2025

When youre just starting out as an insurance agent, its not always obvious what your priorities should be. student debt payments, gas, groceries, restaurant expenses, out-of-pocket medical or dental, clothing, entertainment, travel/vacation, charity, gifts, misc. Theres more information available online today than ever before.

Insurance Agents

Protect Commercial Insurance

MARCH 28, 2025

It’s a special type of insurance policy designed to protect landlords from the financial uncertainties associated with renting out their properties. Heres how rent guarantee insurance steps in to cushion the blow: – Reliable Income Stream : With this insurance in your pocket, youre assured that your rental income is protected.

Insured

PSM Brokerage

JUNE 12, 2025

Out-of-pocket costs are capped , offering greater financial protection for beneficiaries. Here are the highlights: 🔹 Medicare Drug Price Negotiation For the first time , Medicare will apply negotiated prices to certain high-cost, single-source drugs without generic or biosimilar competition.

Out-Of-Pocket

PSM Brokerage

JANUARY 22, 2025

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. Navigating the world of advertising and marketing for ACA Marketplace plans can be both exciting and complex.

Agents

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. Imagine a property owner in Chicago is facing a burst pipe in the middle of winter. The damage is extensive, and tenants are forced to relocate while repairs are underway.

Broker

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. What Is End-of-Life Insurance?

Life Insurance

Redbird Agents

JUNE 17, 2025

However, after speaking with him, I quickly realized the roles were reversed and I needed to learn more about his growth strategy, and how it was so consistent paired with what some people would say were unrealistically low customer acquisition costs. Built more than $500,000 of residual income to support his clients. T65 is all I do now.

Agents

Boyle Agency Insurance

MARCH 4, 2025

Lockout Assistance: If you’re locked out of your car, a locksmith can help. Fuel Delivery: If you run out of gas, you’ll receive a fuel delivery. Cost Savings: Roadside assistance services are often more cost-effective than paying for a tow truck or locksmith out of pocket.

Out-Of-Pocket

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

Using savings for long-term care also comes with the inherent risk of running out of funds. 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. Lets have a look.

Insurance Quotes

Healthinsurance.org

JULY 10, 2025

The first wave of changes – effective August 25, 2025 4 changes effective for enrollment in 2026 health plans Changes effective for enrollment in 2027 health plans Why are some of the rule’s changes temporary? 2 The proposed rule drew more than 26,000 public comments. Other provisions are applicable for the 2026 plan year or the 2027 plan year.

Out-Of-Pocket

Healthinsurance.org

JULY 18, 2025

4 The Biden administration’s rule included provisions such as eliminating in-person eligibility interviews for people with disabilities and those 65 or older, changes to ensure that fewer people would lose coverage due to undeliverable mail, and a ban on lock-out periods for children disenrolled from CHIP for failure to pay premiums.

Out-Of-Pocket

Healthinsurance.org

DECEMBER 3, 2024

Delayed enrollment might mean missing out on free money. Four out of five people shopping for coverage in the 31 states that use the federally-run marketplace (HealthCare.gov) will find that they can get coverage for $10/month or less. Reasons to enroll in an ACA health plan by December 15? Letting your plan auto-renew?

Out-Of-Pocket