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A dental visit can cost you, but a delay can hurt your teeth and budget even more

By Janice NeumannDecember 2, 2017 When I was in my 30s and a dentist told me I needed a few crowns, I decided to skip the expensive devices because of my meager paycheck. Besides, my teeth weren’t hurting. Years later, I am paying the price in pain and costlier dental work. One of the damaged teeth …

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How technology is transforming the voluntary benefits industry

Technology is the key to measuring the efficacy of a benefits program—communicating effectively, ease of enrollment and administration. By Peter Marcia | December 07, 2018 at 10:22 AM More and more benefits managers rely on voluntary benefits to fill important insurance gaps and provide essential services due to cuts in traditional benefits programs. While the benefits department can create an …

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5 trends every broker needs to know about in 2019

Innovation in the insurance industry is no longer restricted or falls upon the carriers. In fact, there are a lot of things brokers can and are doing to optimize sales, automate their processes, and serve their clients better. The Marketplace Marketplace models have taken over. One can only expect to see marketplace-focused platforms to continue. …

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The Who and the Why on short – term health insurance.

Who’s buying short-term health insurance, and why? By Anna Gorman, Kaiser Health News | November 21, 2018 at 10:41 AM To some insurance brokers and consumers, short-term insurance plans are an enticing, low-cost alternative for healthy people. Supporters of the nation’s health law condemn them. A few states, including California and New York, have banned them. Other states limit them. …

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How Short Term Medical Benefits from ACA Waivers

Five Products that could benefit from new ACA waivers The Trump administration wants states to consider more options when they try to improve their individual major medical insurance markets. The Centers for Medicare and Medicaid Services is asking states to think about creating new subsidy programs for specific groups of consumers, personal health accounts, state subsidy programs and help …

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Key Insurance Terminology Definitions made simple.

Key Insurance Terminology Definitions Quick and simple resources for a busy enrollment period from Premium The monthly fee charged to keep your policy active. Co-pay A flat rate you’ll pay for a specific service such as a doctor’s visit or prescription benefit. Coinsurance An additional patient expense. It is over the deductible that is included …

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Attention: Do you have clients with less then 100 employee participation on Ancillary plans?

The official report regarding the proposed HRA changes for small businesses is below. It is great news for agents that have clients with a employee participation of less then 100. WASHINGTON, Oct. 24 — The Small Business and Entrepreneurship Council issued the following news release: On October 23, the Department of Labor issued a proposed rule on health reimbursement accounts (HRAs) that provides more …

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Scientists STUNNED as first-of-its-kind study reveals strong link between fluoridated water and ADHD

Sunday, October 21, 2018 by: Vicki Batts There are many reasons to oppose fluoridated water. Not only is it a form of government-dictated mass medication, research has consistently shown that fluoride consumption has a host of ill effects on human health. Recent research has once again confirmed that fluoride is a neurotoxin — with developing fetuses …

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