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My Broker’s Advice About My Discontinued Policy

In August of 2012, my health insurance company, Anthem, sent me a letter telling me that my policy had been discontinued. Naturally, I panicked. I need health insurance, and this was the only plan I could afford. Later, they sent a letter telling me they were raising the premium cost. What to do? Here’s what my insurance broker advised. After several unsuccessful attempts to find affordable health insurance, I went to see an insurance broker. This brilliant woman found me a plan that was comprehensive and that had a premium that was low enough for me to afford. If I … Continue reading →

Pennsylvania Will have a Federal Insurance Exchange

The Governor of Pennsylvania, Tom Corbett, has announced that Pennsylvania will have a health insurance exchange that is run by the federal government. Republican Party of Pennsylvania Chairman Rob Gleason has released a statement that applauds the governor’s decision. The Affordable Care Act requires all states to have a health insurance exchange. There were three options about how that exchange would be run. One option was to have a state-based health insurance exchange. The deadline for that option has now passed. Another option is to have an exchange that is run as a partnership between the state and the federal … Continue reading →

Top Reasons to Use an Insurance Broker

Have you ever used an insurance broker? There are so many good reasons to do so! Using an insurance broker to find a good, affordable, health insurance plan is a great idea. Here are the top reasons to go ahead and seek out the assistance of an insurance broker. Insurance brokers are experts. They know more about the current and upcoming laws, rules, and regulations that affect health insurance than you will. An insurance broker can tell you if the health insurance policy you are considering buying will not be considered to be a sufficient plan in 2014. They can … Continue reading →

When Should You Review Your Insurance Policies?

The insurance policy that you bought, several years ago, might not be adequate today. If your life has changed, then so have your insurance needs. State Farm has some advice about five critical times to review your insurance. Reviewing your insurance policies may sound boring and tedious. This is probably why many people avoid it. Keep in mind that if your life has changed then your current insurance policies might be inadequate. In some cases, reviewing your policies can reveal that you are paying for more coverage than you need. You might find a way to save some money. State … Continue reading →

Advice From My Insurance Broker About My Discontinued Plan

I got a letter from my insurance company that informed me that my health insurance plan had been discontinued. The first thing I did was contact my insurance broker to find out what advice she would have about what I should do. She had some good suggestions. At this moment, it is difficult for me to think of a situation more frustrating than having my health insurance company send me a letter telling me that they have decided to “discontinue” my health plan a few months after selling it to me. It is making me feel as though being able … Continue reading →

Anthem is Discontinuing My Health Insurance Policy

Anthem Blue Cross has decided that they are going to “discontinue” the health insurance policy that they sold me about four months ago. There is absolutely nothing I can do about it. I feel like the company lied to me, and I also feel like this is a form of “bait and switch”. Those of you who have been following my blogging here on the Families.com Insurance blog already know about how hard I’ve struggled to find health affordable health insurance coverage. In 2009, I lost my job as a teachers aide, which meant that I lost my insurance coverage … Continue reading →

Just the Facts – About the Health Insurance Tax

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Many people have concerns about the health insurance tax. How will you be able to pay for it? Will everyone have to pay it? There is a lot of misinformation out there. Here are just the facts about the health insurance tax. This week, the Supreme Court upheld the Affordable Care Act, or ACA. It also upheld the individual mandate, the most controversial portion of the ACA. The individual mandate requires every American to have health insurance coverage in 2014. Those who choose not to buy health insurance will have to pay what the Supreme Court has officially defined as … Continue reading →

A New Way to Find Insurance

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Soon, you might be looking for a new insurance policy in places that you never have before. The number of domain names has been expanded. Several new ones have been designed for use by insurance companies. This might give you some brand new options for the next time you are looking for insurance coverage. Where do you go when you are trying to find an insurance plan? Some people get health insurance from their employer, and have no need to look elsewhere. The rest of us might look for health insurance with the insurer that we have a homeowners policy … Continue reading →

Self-Employed Can Deduct Health Insurance Premiums

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I am self-employed, and I recently found an affordable health insurance plan. Today, my husband was looking around on the internet, and he found some very interesting information. It turns out that people who are self-employed can include their premiums as a tax deduction. This is excellent news! The easiest way to find health insurance coverage is to be fortunate enough to have a job that comes with a health insurance benefit. Once a worker qualifies for their company’s health insurance plan they are assured of being approved for it. People who are self-employed have to put in a lot … Continue reading →

Lack of Insurance Makes Permanent Patients

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What happens when a person who has no health insurance coverage ends up in a hospital with a serious illness? For some, it means that they become permanent patients of the hospital. They end up living there, and the hospital gets stuck paying for all of their medical bills. Part of the problem is connected to dysfunctions in the health care system. There are a lot of Americans who lack health insurance coverage. Until very recently, I was among that group. I used to say that I needed health insurance “in case I get hit by a bus and end … Continue reading →