When a person is first approaching the subject of health insurance, all the different terminology can make their head spin. In this article, we’ll help you grasp the differences between EPOs, PPOs, and HMOs. An EPO is an exclusive provider organization. This is a health insurance plan that offers a local network of doctors and […]
Navigating Health Insurance: What Are EPOs, PPOs, and HMOs? Read More »
What is the ACA? It’s the Affordable Care Act, implemented in 2010. It is widely known as Obamacare and is sometimes referred to as the Marketplace. Why do we have the ACA? This law was passed to protect consumers from insurance companies driving up patient costs or restricting their care, especially for preexisting conditions and
What Are Obamacare and the ACA, and Can They Work for You? Read More »
If you are going to apply for health insurance under the Affordable Care Act implemented in 2010, one of the most important pieces of data you need to have for that application is your taxable income for the current year. Determining the implications of taxable income is more of an art than a science because
What Is Taxable Income and How Does It Affect Health Insurance Under the ACA? Read More »
Unfortunately, acquiring health insurance has become a very confusing subject. It might even be as confusing as taxes—maybe more so in some situations. Each year, it seems more laws affect an individual, family, or business trying to obtain health insurance for the first time or when they are trying to get better insurance. When a
What You Should Know When Looking for Individual Health Insurance Read More »
After having an appointment with our Dan Jung to discuss his personal health coverage, local radio host Paul Cook decided that more people needed to hear what Dan has to say about Health Insurance. We couldn’t agree more! You can listen to the episode here:
A question I hear often is: ‘Why do you charge a fee? I could go to another Missouri insurance broker or an insurance provider that signs me up for less – even nothing!’. Our answer is simple: our fee means we work for you, and not anyone else. There’s an old saying first said about
Why Do We Charge a Fee for Enrollment? Read More »
Are you enrolled in a Medicare plan and want to change it? Not sure if you can enroll in a Health Insurance Marketplace plan through the Affordable Care Act for the first time? Wanting to change your health insurance coverage? This Flow chart can help you know if you can do it now. We made
When can you change or enroll your Health Plan? (Medicare or Marketplace) Read More »
Should I be covered until I’m 70? 80? What about 90? This is a common question I get asked, and to be truthful, there is not a single answer that is right for everyone. In general, especially for “men” (because of life expectancy) I like to TARGET having and paying insurance to extend to age
How Old Should I Be Before I Let My Life Insurance Policy Lapse? Read More »
In your 20s and 30s, estate planning might not be among your top priorities. After all, if you have kids, are building your career, and/or already feel like you have more responsibilities than you can handle, it can be difficult to imagine adding one more thing to your plate. Nonetheless, estate planning is essential, and
Why Young Adults Should Tackle Estate Planning (and How to Do It) Read More »
Let’s get down to it. ‘MEWA’, or the ‘Multiple Employer Welfare Arrangement’ is our most recommended health plan for a Small Business in Missouri. If your small business has 2-50 employees, this health insurance plan is almost always the best for you (with a few exceptions which I will cover below). I haven’t seen lower
The Insurance Plan 95% of Small Business Should Have Right Now Read More »
Do you need help enrolling in health, dental, vision, life or other insurance plans? If you live in Missouri or Illinois, contact us for a free consultation.
Call (314) 582-9540 or use the Book a Free Consultation form on this page to get your questions answered by a St. Louis health insurance consultant.
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