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%

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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.

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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.

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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.

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Final Expense Brokerage

NOVEMBER 30, 2024

Nov 30, 2024 11:23:52 AM Contact Us Share: Enhance client discussions by addressing the most common final expense misconceptions. When discussing final expense insurance with clients, agents often encounter misconceptions that can prevent clients from seeing the value of these policies.

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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?

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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.

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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?

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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.

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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

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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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Agency Height

APRIL 14, 2025

Learn how the 80% Rule for Home Insurance affects your coverage, claim payouts, and out-of-pocket costs. Get most out of your coverage.

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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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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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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.

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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.

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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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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. Maximum out-of-pocket limits: Medicare Advantage plans often have a cap on out-of-pocket expenses, which can help protect against high medical costs.

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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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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.

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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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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

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.

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

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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. Consider a Medicare Supplement plan if you want more comprehensive coverage to help manage out-of-pocket costs.

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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.

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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.,

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PSM Brokerage

JANUARY 13, 2025

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. Health Outcomes: How well the plan helps members maintain or improve their health. What Star Ratings Mean for Insurance Agents 1.

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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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Scott Insurance

AUGUST 16, 2021

– Employees receive tax-free cash back (reimbursements) to reduce out-of-pocket costs for utilizing top Doctors. The Scott Benefit Services team is excited to announce the launch of a new solution to help employers positively impact costs and drive better health care consumerism by individuals.

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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.

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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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Boyle Agency Insurance

DECEMBER 3, 2024

Deductibles The deductible is the amount you must pay out of pocket before your insurance coverage kicks in after an accident. With our expertise, you can rest assured that we will seek out the most competitive rates while ensuring you receive the coverage you need to protect yourself and your loved ones on the road.

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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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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%

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Smart Insurance Agents

OCTOBER 14, 2024

One of the significant advantages of Medicare Advantage plans is the out-of-pocket spending limit, which helps beneficiaries manage their healthcare costs. Traditional Medicare does not have such a cap, potentially leading to higher out-of-pocket expenses.

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