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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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

MARCH 4, 2025

Specifically, drivers need: $10,000 in Personal Injury Protection (PIP) : Covers medical expenses for you and your passengers, regardless of whos at fault. 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.

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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. Source: [link] View all CMS Inflation Protection Act Press Releases here.

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Distinguished

APRIL 21, 2025

Distinguisheds coverage options, cost factors, and tailored solutions are designed to protect Chicagos property owners. Without specialized landlord insurance, property owners may find themselves covering substantial repair costs, legal settlements, and lost income out of pocket. In Chicago alone, more than 2.7

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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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PSM Brokerage

JANUARY 22, 2025

Why Compliance Matters Compliance with Marketplace advertising rules ensures: Consumer Protection: Accurate and transparent information helps clients make informed decisions. Respect Privacy Rules Protect client information by adhering to Marketplace privacy and security standards. Do: Clearly state eligibility requirements for SEPs.

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Protect Commercial Insurance

MAY 9, 2025

Protecting Your Business from Financial Losses Imagine a scenario: it’s a typical busy Friday afternoon, your shop is bustling with customers, and suddenly, an unexpected incident occurs. Insurance helps protect those investments from potential losses due to theft, fire, or other damages.

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Protect Commercial Insurance

APRIL 4, 2025

Definition and Purpose At its core, Rent Guarantee Insurance is designed to protect landlords against the unfortunate event of tenants failing to pay their rent. – Tenant Eviction : Evictions can be a costly and drawn-out process. – Tenant Eviction : Evictions can be a costly and drawn-out process.

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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. Being proactive can help offset some of these increases and protect your finances from being drained by unexpected medical bills.

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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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PSM Brokerage

AUGUST 7, 2024

and five senators introduced a bill to apply criminal penalties to rogue insurance brokers who are changing Americans’ Affordable Care Act (ACA) marketplace plans without their knowledge or consent, and take other steps to strengthen consumer health insurance protections. . – Senate Finance Committee Chair Ron Wyden, D-Ore.,

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Protect Commercial Insurance

MARCH 28, 2025

These insurance types are designed to protect your property and your income, providing peace of mind and allowing you to focus on maximising your rental investment. These insurance types are designed to protect your property and your income, providing peace of mind and allowing you to focus on maximising your rental investment.

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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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ProWriters

SEPTEMBER 23, 2024

EPL Insurance is specifically designed to protect businesses against such employee-related claims as wrongful termination, discrimination, sexual harassment, and other employment-related issues. Without proper protection, businesses can find themselves facing exorbitant legal and defense costs, reputational damage, and even financial ruin.

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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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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. But is it affordable?

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Paragon Independent Insurance Agencies

JULY 31, 2024

Lenders want to ensure their interest in the property is protected if an unfortunate disaster damages it. A home insurance deductible is the money you must pay out of pocket when filing a claim before your insurance kicks in. You will be responsible for paying a deductible out of pocket every time you file a homeowner claim.

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Protect Commercial Insurance

NOVEMBER 1, 2024

Introduction When it comes to protecting your property, the type of insurance you choose can make a big difference. Let’s dive in and find out what each offers! Let’s delve into what landlord insurance offers and why it might be the right choice for you as a property owner renting out one or more homes.

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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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Smart Insurance Agents

AUGUST 23, 2024

By overhauling the payment model, instituting inflation protections, and fortifying MTM services, Medicare’s 2025 Prescription Plan is laying the groundwork for a more effective, enduring, and patient-focused Part D program.

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PSM Brokerage

DECEMBER 5, 2024

Why Allstate Medicare Supplement Plans Are a Game-Changer When your clients choose Allstate Medicare Supplement plans, they’re gaining more than just coverage—they’re investing in a name synonymous with protection and reliability. For agents, this is an incredible opportunity to align with a brand that consumers already know and trust.

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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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Bankers Insurance

AUGUST 8, 2024

Doing so can make all the difference in providing sufficient protection and preventing coinsurance penalties amid covered property losses. Specifically, they may lack sufficient coverage following property losses, forcing them to pay out-of-pocket expenses to fully rebuild. inflation).

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Freeway Insurance

NOVEMBER 19, 2024

But does home insurance cover mold, or will you have to pay out of pocket? So even if your house starts molding due to a covered reason, you might have some out-of-pocket costs. Some kinds are mainly harmless, while others can seriously impact the structure of your house and even your health.

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Smart Insurance Agents

AUGUST 19, 2024

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. These plans also help cover coinsurance and hospital costs that Original Medicare does not fully pay for, providing additional financial protection.

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Out-Of-Pocket Deductible Premium Out-Of-Pocket Expense 52

Protect Commercial Insurance

JANUARY 23, 2024

As a landlord , safeguarding your investment means more than just ensuring your property is in top condition; it also involves protecting yourself against legal risks. At Protect Commercial , our Insurance product provide expert advice on the intricacies of property law and the challenges landlords face.

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Paragon Independent Insurance Agencies

SEPTEMBER 30, 2024

This coverage will cover the cost of repairing your tiny home and reimburse any out-of-pocket expenses you incur as the primary owner. Towing or transportation coverage ensures your home is protected while in transit. Home Insurance Like any other residence, a tiny home is eligible for various types of home insurance coverage.

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Jackson & Jackson

APRIL 29, 2024

This article outlines practical tips and strategies to help commercial property owners in California minimize their insurance expenses while maintaining adequate protection for their investments. This means you will pay more out of pocket in case of a claim, but your monthly or annual insurance costs will be lower.

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Jackson & Jackson

APRIL 10, 2024

It’s not just about choosing the correct location or getting the best price; it’s also about ensuring your investment is protected from the unexpected. It protects you from claims arising from accidents or injuries on your property. Insurance plays a pivotal role in safeguarding your property and your financial future.

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PSM Brokerage

DECEMBER 5, 2024

Why Agents Should Sell Aflac Medicare Supplement Plans When it comes to trusted names in the insurance industry, Aflac stands out as a company synonymous with reliability, innovation, and client-focused solutions. Medigap plans not only meet this need but also create opportunities for agents to build long-term client relationships.

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TGS

OCTOBER 3, 2024

The more risks your area poses, the more your insurance company will charge to protect you. Basic coverage that just meets your mortgage lender’s requirements will be cheaper than more comprehensive coverage that protects against every possible risk. It makes sense, right?

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Jackson & Jackson

APRIL 28, 2024

This article outlines the top five mistakes property investors make with insurance and provides practical tips on avoiding them, ensuring your investments are adequately protected. However, in the event of a claim, this can lead to substantial out-of-pocket expenses due to insufficient coverage limits.

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LexisNexis

NOVEMBER 5, 2024

But state lawmakers haven’t backed down, vowing instead to continue fighting to protect “ children from the harms of social media.” John James (R-MI) has proposed age gating by app stores in HR 6149 , the Protecting Kids on Social Media Act, which is languishing in Congress. Meta sold Louisiana Rep. Meanwhile, U.S.

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Freeway Insurance

DECEMBER 24, 2024

However, reviewing your home insurance policy on a regular basis is essential if you want to fully protect your property. The Importance of Regular Policy Checkups When you first set up your insurance plan, you secure a certain amount of protection based on the current value of your house and any risks associated with your property.

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Smart Insurance Agents

SEPTEMBER 2, 2024

Eligibility for ACA Marketplace coverage allows green card holders to access premium tax credits and subsidies , significantly lowering premium and out-of-pocket expenses, thus facilitating affordable health insurance. Here, green card holders can choose from a range of plans designed to fit different budgets and medical needs.

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