Let’s face it, navigating the world of health care insurance can be challenging. Throw in the changes brought about by the Affordable Care Act (also known as Obamacare) or the switch to Medicare for older adults and it can almost seem overwhelming. That’s why you need a partner like Benefit Concepts, Inc. “We’re an agency […]
Have you seen the new video from the “100 Years of Beauty” team? It portrays a couple in their 20s, one month prior to marriage. And with prosthetics, costuming and makeup, the makers show the couple what they will potentially look like as they progress into their 50s, 70s, and 90s. You might want to get […]
Over the next few months we’ll be going in depth discussing life insurance and how it can work for you & your families to create wealth, plan for retirement, build a college fund, and leave a legacy. There are two major types of life insurance – term life and whole life. These types have different […]
Uh oh. Flu season is in full blast here in Southwestern Ohio and this year is expected to be worse than usual because the flu vaccine isn’t providing good coverage for the predominant H3N2 influenza strain that is now circulating. Why does the flu vaccine’s efficacy vary from year to year? As you may know, […]
Love it or hate it, there’s no denying that the Affordable Care Act (ACA, a.k.a. “Obamacare”) did much to address the drastic need for better preventative medical care in the United States. Under the ACA, all health insurance plans — even those one would buy off-exchange — must fully cover certain preventative care measures without […]
I get a lot of calls from self-employed people that simply have no idea how to start finding the right health insurance. They might call with questions about what they can do after losing employer-subsidized coverage, about how to extend their COBRA coverage, or about how to buy a policy after having shopped around on […]
As a health insurance agent, I naturally meet a lot of people who work in the health care field and I hear some pretty crazy stories about patients. This is especially true of the stories I hear from friends and acquaintances who work in the emergency room about their patients — from the 15-year-old boy […]
If you signed up for subsidized health coverage through a state or federally-administered exchange last year, you should refresh your application now. Americans who qualified for Affordable Care Act (a.k.a. “Obamacare”) subsidies on their exchange-based policies last year but do not refresh their applications now could lose out on bigger subsidies next year, or could […]
As you’re probably already aware, the deadline to add or switch Medicare Advantage or Medicare Part D plans is December 7th. What you may not know is that even if you are satisfied with your current coverage, there are a number of things you should be doing now to ensure that you won’t be stuck […]
The Patient Protection Affordable Care Act (commonly referred to as Obamacare) did a lot to reform healthcare. The biggest way in which the health insurance industry was impacted was on pricing – how premiums were to be calculated and how much money the insurer had to spend on claims. Refresher course – the premium is […]
