No matter the type of health insurance plan, the vast majority use a network of contracted providers that must accept the insurance company’s pre-determined negotiated rate as payment in full. This is true whether an individual is covered through an employer group health plan or a Medicare supplement policy. An exception to the rule is […]
There are a number of factors that will impact health insurance premiums in the individual and small group markets in 2023. One of the main drivers of increased premium cost-share to the policyholder will be the possible end to enhanced subsidies on Affordable Care Act (ACA) exchange plans. COVID-19 came with a cost as well, […]
Let’s assume that you are considering purchasing an individual disability income insurance policy and are also considering several different riders to add to the policy. The number one thing to think about is inflation. For the past decade we have not had to deal with inflation like we are experiencing today. Often referred to as […]
