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Why do all health insurance plans have a deductible?

[su_box title=”To sum it up…” style=”default”] Deductibles are a consumer’s initial out-of-pocket expense Deductibles lower insurance premiums Deductibles help to reduce the number of frivolous claims filed by consumers Deductibles help reduce the cost of health care [/su_box] Health insurance is one of the most complicated products that an individual will ever purchase. It is […]

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What happens to my health insurance when changing jobs?

[su_box title=”To sum it up…” style=”default”] The importance of continued health insurance coverage between jobs. How HIPAA laws help you transfer your health insurance coverage from one employer to the next. A description of COBRA and how it helps you to avoid a lapse in your health insurance coverage. How short-term health insurance policies may […]

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What does “out-of-pocket expense” mean in health insurance?

[su_box title=”To sum it up…” style=”default”] Out-of-pocket maximums reduce health insurance premiums Deductibles are the amount of money that policyholders pay before their health insurance company begins paying for healthcare costs Copayments and Coinsurance are out-of-pocket expenses that are paid after the deductible has been met High-deductible health plans are a way for consumers to […]

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Where do I go when I don’t have health insurance?

[su_box title=”To sum it up…” style=”default”] During open enrollment, those without insurance should go to healthcare.gov to get coverage After open enrollment, those without insurance should try to qualify for a special enrollment period Without health insurance, those that qualify may get coverage through Medicare, Medicaid, or the CHIP for minors. Without health insurance, individuals […]

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When is open enrollment for health insurance for federal employees?

[su_box title=”To sum it up…” style=”default”] The federal health insurance open enrollment is the open season Open season runs from early November through early December The open season begins on the Monday of the second full work week in November Open season ends on Monday of the second full workweek in December [/su_box] Open season […]

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Why do employers pay for health care?

[su_box title=”To sum it up…” style=”default”] While employers probably all want to see their employees happy and healthy, the real reason that they offer health care benefits is because it is in their financial best interest Offering health care benefits is a way for employers to attract the top talent in terms of recruiting because […]

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