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Whats Cheaper? Buying plans on my own or buying COBRA insurance.

If you have been laid off or fired from your job, the amount of details you may be considering can be overwhelming. It can be difficult to figure out where to start, but health insurance should certainly be something you consider fixing right away. Typically, you’ll expire out of your employer sponsored coverage at the end of the month or billing period for that coverage. Your employer is legally obligated to give you the option of continuing on with your existing plan at your own cost for up to 18 months after you leave your job. Shortly after leaving, you should ...

I was laid off from my job and I lost my benefits. What are my options?

Finding out that you no longer have health insurance as a result of being laid off can be a confusing and frustrating experience. If you have relied on health insurance coverage through your employer in the past, you will lost it at some point after being fired, getting laid off, or voluntarily leaving your position. When this coverage ends tends to depend on your job, as some employers will keep your coverage through the end of the month or a different period if stipulated in your employment contract. The Affordable Care Act does not change your health insurance if you ...

How long does it take to get the health insurance? When can we start?

At the close of March 2014, the open enrollment period ended for obtaining health insurance. This doesn’t mean, however, that you have no options to get covered. If you qualify for Medicaid or have someone who needs coverage under the Children’s Health Insurance Program, you may sign up for these services at any time year-round. If you meet the minimum qualifications, you’re eligible to sign up right away to being receiving those benefits. Outside of the typical enrollment period, you may qualify for special enrollment if you meet any of the following criteria regarding qualifying life events: Divorce or marriage Adopting a child Having ...

Can a pregnant person get health insurance under the new law?

One of the most common questions surrounding health insurance under the Affordable Care Act is whether there are certain circumstances or conditions that might prohibit a person from being able to get the health insurance he or she needs. There are numerous ways that women benefit from new coverage requirements under the new law, and maternity care is one of those benefits. In the individual insurance market prior to the Affordable Care Act, maternity care was routinely excluded for one reason or another. Before the Affordable Care Act went into place, just over 10 % of plans provided access to these ...

What’s the difference between HMO and PPO Plans?

Shopping around for health insurance is always a bit intimidating for first time buyers. There is so much important information to know and so many different kinds of plans with different benefits, when looking at all of the information floating around cyber space, it can become a bit overwhelming. If you are self-employed or working your first full-time job with benefits, open enrollment for your company's insurance plan can feel super stressful. After all, you don't have time to wade through a sea of websites to figure out which plan is best for you and your budget. Besides that, there are ...

What Is Professional Liability Insurance and Do I Need It?

Running a business is not for the faint of heart. There are mountains of risk involved, which is why entrepreneurs always tend to be the brave and the bold of society. Successful business owners experiment with new ideas, knowing full well that failure is a possible outcome, and it could cost them a lot financially, yet they march on into the unknown. While taking chances is simply a part of life for business owners, there are certain kinds of risk that should be avoided if possible, which is where professional liability insurance comes in handy. If you are new to owning ...

What Is Personal Umbrella Insurance and Do I Need It?

There are lots of different insurance policies out on the market, and each one provides a unique type of protection to help offset some sort of risk. You more than likely have auto and homeowners insurance, which are common types of coverage, but you might be new to personal umbrella insurance, without a clue in the world as to what it is. You can rest assured it has nothing to do with protecting you from the next torrential downpour you experience while out for a stroll in a rain storm. Basically, personal umbrella insurance is designed to go above the current ...

Preparing for a Life Insurance Medical Exam

When you apply for a life insurance policy you may have to participate in a brief medical exam performed by your doctor or a medical professional chosen by the insurance company to document the current state of your health. One of the many reasons for the exam is to make sure there are no hidden problems with your health that you were unaware of or forgot to mention on the application. These kind of conditions or issues could affect your eligibility for certain life insurance plans or directly impact the cost of your coverage. There are a few things you can ...

Obamacare Facts for Small Business Owners

Ever since the controversial Affordable Care Act, also know as “Obamacare,” was passed by Congress in 2010, it has caused massive confusion for small business owners across the country. Politicians on both sides of the matter have made things a bit more complicated, giving answers that do not really clear up the concerns that many business owners have. If you own your own company, you might be wondering how this legislation is going to impact you and your staff.  Here are a few answers to some common questions that business owners have about Obamacare that will hopefully clear up some of ...

Is the Affordable Care Act unaffordable? An Agents View

With so much information about the Affordable Care Act (ACA) flooding airwaves, news print, and online media, it is hard to sift through all of the rhetoric and find the facts. What's worse is that the majority of individuals weighing in on the topic are politicians, reporters, and pundits. The best way to find out the truth about the ACA is to either read it, or talk to insurance professionals who are experts in the field and who understand the inner workings of the legislation. In order to better equip consumers such as yourself with the information needed to make informed ...