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How do I show proof of health insurance?

[su_box title=”To sum it up…” style=”default”] When signed up for coverage, insurers assign an account number,and this is proof of insurance The insurers routinely issue an identification card for subscribers, and this is proof of insurance The identification card and account number have limitations, and proof of insurance is not proof of coverage Proof of […]

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How to Check if Your Health Insurance Is Active

[su_box title=”To sum it up…” style=”default”] It is absolutely vital that you know whether your policy is active or not You can figure out if your policy is active or not by calling, checking your policy documents, or by visiting your insurance company’s website This can save you thousands in out-of-pocket medical expenses [/su_box] Health […]

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How do you get a life and health insurance license?

[su_box title=”To sum it up…” style=”default”] Every state in America has its own requirements that must be met before a license will be approved to sell either health or life insurance. Each respective legislative body will set its own minimum requirements and standard There is a common thread to most licensing requirements, irrespective of the […]

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How do health insurance agents make money?

[su_box title=”To sum it up…” style=”default”] Insurance agents primarily make money from commissions Commissions are collected from premiums before going to the insurer Commissions are often paid for the duration of the membership Agents sell for the insurer, brokers buy for the customer Agents receive base commissions, contingent commissions or other payments Agents are often […]

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What is a health insurance license?

[su_box title=”To sum it up…” style=”default”] Licensing for health insurance is regulated by each state in America, with minimum requirements being set by respective legislative bodies While specific requirements may vary by state, general requirements across all jurisdictions include a certain level of education, passing an exam, and a successful background check and clearance Maintaining a […]

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What is a guaranteed issue health insurance plan?

[su_box title=”To sum it up…” style=”default”] A guaranteed issue health insurance plan has no right of refusal by the offeror Guaranteed issue plans do not use medical underwriting Guaranteed issue plans include applicants within initial eligibility periods Medicare Supplement is an important guaranteed issue plan [/su_box] Guaranteed issue health plans favor the consumer. The offeror […]

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How to Read Your Health Insurance Policy

[su_box title=”To sum it up…” style=”default”] The key phrases to determine a consumer’s out of pocket liability under an insurance policy are: premiums, deductibles, co-insurance, co-pay, and non-covered services When disputing a claim with the insurance company or a healthcare provider, you should look at the policy rather than the outline or summary of benefits […]

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What is a health insurance network?

[su_box title=”To sum it up…” style=”default”] Health insurance networks are your health plan provider’s network of doctors, hospitals, and other healthcare providers Health care networks include in-network, out-of-network and preferred networks Health Maintenance Organizations (HMOs) and private insurers have their own network of health care providers Health insurance companies contract with a network of providers […]

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Is long-term healthcare insurance tax deductible?

[su_box title=”To sum it up…” style=”default”] Long-term healthcare insurance is tax-deductible as a medical expense Premiums, costs, and expenses are deductible for self, spouse, and dependents Self-employed persons get the deduction directly The IRS limits the amount of the deduction based on age The deduction must be for qualified long-term insurance coverage [/su_box] The deduction […]

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