People, in as little as 16 minutes, have experienced nothing less than total relief. Do nothing more than a specific sequence of 8 simple, pain-relieving movements.
If you’re covered in a group health plan based on your employment or your spouse’s employment…and you’re Medicare-eligible…you need to watch this video. More detail located at our blog: https://bit.ly/employerinsurance
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Medicare Mindset LLC is an independent insurance agency specializing in Medicare Health Insurance planning. We offer guidance, strategies, and insurance enrollment help from start to finish. Our approach to Medicare insurance planning will simplify things so you are well-informed and confident in your choices.
Medicare Mindset, LLC
866.656.4020 office
info@medicaremindset.com Video Rating: / 5
https://www.bcbsnd.com/tips-and-insights
Health insurance can be complex. At Blue Cross Blue Shield of North Dakota, our customer service staff wants to simplify and help you better understand your health insurance. Follow our Health Insurance 101 videos to learn more.
What is Coinsurance? http://youtu.be/-3GnN3PvCk0
What is a Deductible? http://youtu.be/K-5ep3bjXaQ
What is a Copayment? http://youtu.be/3qZ9Hh76vbc
BCBSND Twitter: https://twitter.com/BCBSND
BCBSND Facebook: https://www.facebook.com/bcbsnd Video Rating: / 5
Get not just a health insurance but a complete healthcare insurance with ManipalCigna ProHealth Prime
#ItsJustBetter – Ek Baar Lo Accha Lo
Link – https://www.manipalcigna.com/quick-quote/prohealth-insurance?campaign=DEFCMP03&medium=PRANJALKAMRA&source=REFERRAL_ODC
Health insurance for retirees under age 65 can be a challenge. Here are four options if you need health insurance for early retirement.
Link to find a health insurance agent: https://nahu.org/looking-for-an-agent/find-an-agent
► Announcing THE RETIREMENT ADVENTURE CLUB!
https://retirement-adventure-club.mn.co/
We’ve launched an online membership designed to help you plan for retirement and connect with others who are asking the same retirement questions you’re asking right now.
The Club will feature access to RightCapital financial planning software, a growing library of financial planning checklists, online courses, and regular access to me and the team during live-streamed office hours calls.
To learn more, visit our website:
https://www.pranawealth.com/
— About Patrick King CFP® —
Patrick King is a fee-only financial advisor in Atlanta and the Founder of Prana Wealth. Over his career, Patrick has helped CEOs, all-star athletes, Grammy-winning artists, and many others build their wealth, retire sooner, and create a legacy. Patrick enjoys yoga, mountain biking, golf, travel photography, and Clemson football.
Let’s connect:
LinkedIn – PatrickBKing
Facebook – @pranawealth
Instagram – @pranawealth
Twitter – @PranaWealth
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DISCLAIMER: This is a publication of Prana Wealth Management LLC. All opinions of the authors expressed herein are as of the date of publication and are subject to change. Any information presented herein is not an offer to buy or sell, nor a solicitation to buy or sell any securities or products mentioned. Any investment, tax, legal, or estate planning or information is to be considered general in nature and is not intended as personalized financial planning advice. Always consult a financial, legal, or tax professional regarding your specific situation. Different investments have varying degrees of risk and there is no assurance that they will be suitable for a particular person’s portfolio. Past performance is not indicative of future results. Prana Wealth Management LLC is a registered investment adviser in the state of Georgia and other states where it is excluded or exempted from registration requirements. Registration as an investment adviser does not constitute an endorsement from securities regulators. Prana Wealth Management LLC receives compensation from YouTube for the presence of advertising before, after, and during this video content. Prana Wealth Management LLC does not control the content or presence of any advertisements. The presence of any advertisement does not constitute an endorsement of the ad, company, entity, or product by Prana Wealth Mangement LLC.
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It’s just as important to use your health insurance when you’re well, not just when you’re sick! How to find a doctor, get free wellness checkups, understand costs and covered services, and more. Video Rating: / 5
Shopping for health insurance is much easier when you know what questions to ask. Independence Blue Cross can help you figure out what type of plan you want, how to find a balance of cost and coverage, and what other benefits you should consider.
Shop and compare HMO health plans from Independence Blue Cross by visiting http://www.ibx4you.com
To learn more about Independence Blue Cross and all of our health plans and services, visit https://www.ibx.com
Connect With Independence Blue Cross!
For insurance information and member access → http://www.ibx.com
For our blog with health and wellness resources and insurance tips → https://insights.ibx.com/
Facebook → https://www.fb.com/ibx
Twitter → https://twitter.com/IBX
LinkedIn → https://www.linkedin.com/company/independence-blue-cross/ Video Rating: / 5
When I consider purchasing an individual health insurance plan for myself or my family, do I have any financial obligations beyond the monthly premium and annual deductible?
Answers: It depends on the plan, but some plans have the following cost-sharing elements that you should be aware of.
Co-Payments: Some plans include a co-payment, which is typically a specific flat fee you pay for each medical service, such as for an office visit. After the co-payment is made, the insurance company typically pays the remainder of the covered medical charges.
Deductibles: Some plans include a deductible, which typically refers to the amount of money you must pay each year before your health insurance plan starts to pay for covered medical expenses.
Coinsurance: Some plans include coinsurance. Coinsurance is a cost sharing requirement that makes you responsible for paying a certain percentage of any costs. The insurance company pays the remaining percentage of the covered medical expenses after your insurance deductible is met.
Out-of-pocket limit: Some plans include an out-of-pocket limit. Typically, the out-of-pocket limit is the maximum amount you will pay out of your own pocket for covered medical expenses in a given year. The out-of-pocket limit typically includes deductibles and coinsurance. But, out-of-pocket limits don’t typically apply to co-payments.
Lifetime maximum: Most plans include a lifetime maximum. Typically the lifetime maximum is the amount your insurance plan will pay for covered medical expenses in the course of your lifetime.
Exclusions & Limitations: Most health insurance carriers disclose exclusions & limitations of their plans. It is always a good idea to know what benefits are limited and which services are excluded on your plan. You will be obligated to pay for 100% of services that are excluded on your policy.
Beginning September 23, 2010, the Patient Protection and Affordable Care Act (health care reform) begins to phase out annual dollar limits. Starting on September 23, 2012, annual limits on health insurance plans must be at least million. By 2014 no new health insurance plan will be permitted to have an annual dollar limit on most covered benefits.
Some health insurance plans purchased before March 23, 2010 have what is called “grandfathered status.” Health Insurance Plans with Grandfathered status are exempt from several changes required by health care reform including this phase out of annual limits on health coverage.
If you purchased your health insurance policy after March 23, 2010 and you’re due for a routine preventive care screening like a mammogram or colonoscopy, you may be able to receive that preventive care screening without making a co-payment. You can talk to your insurer or your licensed eHealthInsurance agent if you need help determining whether or not you qualify for a screening without a co-payment.
There are five important changes that occurred with individual and family health insurance policies on September 23, 2010.
Those changes are:
1. Added protection from rate increases: Insurance companies will need to publically disclose any rate increases and provide justification before raising your monthly premiums.
2. Added protection from having insurance canceled: An insurance company cannot cancel your policy except in cases of intentional misrepresentations or fraud.
3. Coverage for preventive care: Certain recommended preventive services, immunizations, and screenings will be covered with no cost sharing requirement.
4. No lifetime maximums on health coverage: No lifetime limits on the dollar value of those health benefits deemed to be essential by the Department of Health and Human Services.
5. No pre-existing condition exclusions for children: If you have children under the age of 19 with pre-existing medical conditions, their application for health insurance cannot be declined due to a pre-existing medical condition. In some states a child may need to wait for the state’s open-enrollment period before their application will be approved.
