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Karla Flores

Insurance RX

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Mental Health and Multiple Sclerosis

June 14, 2023 By Insurance Experts

If you have multiple sclerosis (MS), you may look completely fine to your loved ones and colleagues. But there are many things behind the scenes that MS patients are dealing with.

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Filed Under: Health Insurance

Do Copays Count Toward Deductibles? Here’s How Health Plans Work

June 8, 2023 By Insurance Experts

When it comes to all the different terms in health insurance most people are confused. Read this list of the most common terms and what they mean. If you have questions give me a call I’d love to help!

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Filed Under: Health Insurance

How Medical Expense Deductions Can Lower Your Tax Bill

May 31, 2023 By Insurance Experts

With the tax season upon us, many people are looking for deductions. One category of expenses that could lead to tax savings is healthcare. The average spending per person on healthcare expenses was $12,914 in 2021, up 2.7% year over year.

The IRS allows deductions for many medical procedures and items. However, there is an income limitation. You also have to itemize your deductions to qualify. Thus, many people may not be able to claim medical expense deductions, since itemized deductions typically don’t exceed the standard deduction. The 2017 Tax Cuts and Jobs Act nearly doubled the standard deduction for all tax filers.

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Filed Under: Health Insurance

How to save money on health insurance

May 24, 2023 By Insurance Experts

An estimated 112 million Americans are struggling to pay for health care, according to the West Health-Gallup Healthcare Affordability Index and Healthcare Value Index, reported in 2022. These metrics were developed after the rate of Americans reporting skipping health care due to cost had tripled the year before. 

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Filed Under: Health Insurance

Two Executive Agencies Take Positive Steps to Keep Health Data Private

May 17, 2023 By Insurance Experts

It’s never been easier to interact with your doctor. There’s rarely a need to place actual phone calls to your doctor’s office only to be met with hold music – most everything is now online. You can get your prescription medicines mailed directly to your door without stepping foot in a pharmacy. Even mundane interactions like setting up appointments, accessing test results, and communicating directly with the doctor are easier today thanks to smartphone apps and online patient portals. This improved access and flexibility empowers people to be more active players in their health care and achieve better health outcomes.

But, as we continue to embrace and utilize these digital health to

 

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Filed Under: Health Insurance

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Are you unhappy with your health insurance premium? Are your employers paid health insurance premiums too expensive? Are you self-employed and looking for affordable health insurance? Are you in a job transition and don’t where to go for health insurance? Are you working in a corporate job just for the health insurance benefits? If you answered “yes” to any of these, I can help you.

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