Blog - Page 6 of 8 - Selected Benefits

I just saw an article on my health insurance carrier no longer offering plans. What can I do?

First of all, don't panic. Many of the health insurance carriers have recently announced that they will no longer be offering policies on the Marketplace in 2017. That's ok because only about 1/3 of our clients even have a Marketplace plan. Just about all of the carriers will be offering just as many options off the Marketplace; also called "Off-Exchange". Odds are that if you purchased your plan on the Marketplace, also known as the, Federal Exchange, you are currently receiving a federal subsidy to help pay some of your monthly premium. If your carrier decides to discontinue Marketplace plans for 2017, you have numerous options.

I just saw an article on my health insurance carrier no longer offering plans. What can I do?Steve Wendlandt2016-08-21T11:07:01-05:00

(Part 1) Why is my employer group insurance so expensive for my family?

I can barely afford it. Is there anything I can do? We work with quite a few teachers, police officers, fireman, etc and this is a very common question. One would think that with such a large group of people, rates would be cheaper, but that's not the case especially if [...]

(Part 1) Why is my employer group insurance so expensive for my family?Steve Wendlandt2016-08-08T10:59:47-05:00

Preparation Tips for Medicare Supplement coverage when nearing age 65

Just a few simple steps and you're there. Know that you can enroll in Medicare Parts A and B within 3 months before your 65th birthday month and 3 months after. Once that is complete, its time to consider a Medicare Supplement plan to fill in the gaps of the [...]

Preparation Tips for Medicare Supplement coverage when nearing age 65Steve Wendlandt2016-08-07T17:35:56-05:00

I have a family member who is sick and needs treatment now. What are their options?

There are plenty of options for your situation, but the private insurance market is probably not one of them. Health insurance markets are, by design, constructed so that the monthly premiums that the younger, healthy people pay will go toward the expenses of those who contract illnesses or have accidents. [...]

I have a family member who is sick and needs treatment now. What are their options?Steve Wendlandt2016-07-29T16:18:54-05:00

Since I’m self-employed, is there a better way to purchase disability coverage?

It seems so expensive. You're correct. The overwhelming majority of both accident and sickness disability policies are purchased through the workplace at a very reasonable rate for the insured. In fact, if you are self-employed, be prepared to pay about twice as much for comparable coverage if you do not [...]

Since I’m self-employed, is there a better way to purchase disability coverage?Steve Wendlandt2016-07-29T16:17:08-05:00

Part 2 – What other type(s) of coverage should I think about when purchasing Texas health insurance?

Accidental Injury Plans: These supplemental policies will pay for all expenses related to any covered accidental injury after a $100 deductible up to the face amount of the policy. Our most popular accident plan is from HYPERLINK "http://www.nacdbenefits.com/?Agent=5bhtM2N9Z25R9do2WCwJ" NACD and is available in a $2,500, $5,000, $7,500 and $10,000 benefit [...]

Part 2 – What other type(s) of coverage should I think about when purchasing Texas health insurance?Steve Wendlandt2016-07-29T15:27:00-05:00

Part 1 – What other type(s) of coverage should I think about when purchasing Texas health insurance?

We have several options that will compliment your health care coverage; all of which are designed to reduce risk. Dental Plans: Dental plans are available in two basic forms 1) Those that have free preventive care and normally a waiting period of at least 6 months for basic/major services. Once [...]

Part 1 – What other type(s) of coverage should I think about when purchasing Texas health insurance?Steve Wendlandt2016-07-29T15:25:55-05:00

Why should I purchase traditional health insurance?

When I have found several limited benefit plans that cost less and appear to have no deductibles? Limited benefit plans have become increasingly common on the individual market and may seem appealing to those who feel that a high deductible is cost-prohibitive. Before turning to such a plan, however, there [...]

Why should I purchase traditional health insurance?Steve Wendlandt2016-07-29T15:24:45-05:00

Does my policy cover lab work and x-rays?

Most HYPERLINK "http://selectedben.wpengine.com/Health-Insurance-for-Family.html" Texas health insurance policies do include routine lab work as part of your preventive care. For example, women over the age of 16 will receive and annual, routine pap smear and women over the age of 35 will receive a routine, annual mammogram. Men age 50 and [...]

Does my policy cover lab work and x-rays?Steve Wendlandt2016-07-29T15:23:35-05:00

What is a Pre-existing Condition and How Will it Affect my Individual Insurance Policy?

Selected Benefits, we deal with this question on a daily basis and the answer is quite simple. A pre-existing condition is defined as any medical condition for which you have been diagnosed or treated within 12 months of the effective date of your policy. An example of a pre-existing condition [...]

What is a Pre-existing Condition and How Will it Affect my Individual Insurance Policy?Steve Wendlandt2016-07-29T15:22:15-05:00

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