Here is a good general knowledge article about the options you have if you decide to leave your job and your employer insurance plan. Contact your IHC agent as soon as possible to discuss the specifics as they relate to your situation. You have options!
Nothing Beats Keeping Your Real Teeth
Did you know mouth guards save tens of thousands of teeth every year? When it comes to sports, wearing one is part of the uniform. Basketball pro Stephen Curry tends to push his mouth guard out almost every time there’s a break in the game. But one the action starts, it’s back in place.
And for good reason…
Mouth guards actually improve performance. They prevent teeth from clenching which fatigues jaw muscles. They absorb the force of contact and decrease the possibility of teeth getting chipped, broken and lost completely. Knowing they’re protected allows athletes to better focus on the game.
And they’re not just for contact sports. Even non-contact activities – like gymnastics, ice skating and skiing cause falls. When jaws come together, the teeth hit each other and the resulting damage is permanent. Think of a mouth guard as an “airbag” around your teeth. Protecting those ‘pearly whites’ avoids procedures like root canals and implants. Better yet, you’re able to show off your best smile!
You Don’t Have to Wait…. for open enrollment, that is
Myth 1 – You can only get a health insurance policy during open enrollment which is Nov 1st – December 15th.
Many people don’t realize that there are numerous options outside of the Affordable Care Act (a.k.a. Obama Care) that they can enroll in 365 days a year. That means that if you are between jobs, getting a divorce, leaving a corporate job to start your own business or have just moved into a new state, you can have health insurance effective immediately.
From short term plans to a permanent plan with a rate lock on your monthly premium, there are many options available that will fit your needs and budget.
Are you concerned about what these options will cost? Most of these options are a fraction of the cost of an unsubsidized Affordable Care Act/Obama Care plan.
To receive your best return on your premium dollar spent, one should speak with a health insurance broker that specializes in Individual health insurance.
Medical Debt
A recent study showed that 9% of US adults owe a medical debt of $250 or more. That’s 23 million people! New rules about reporting medical debt are going into effect. Read this article to know your rights and responsibilities.
Ask These 10 Questions to Find Out How Much Your Healthcare Will Cost
Healthcare costs vary based on a number of factors. Median out-of-pocket spending on health care ranged from $360 per year in Hawaii to $1,500 per year in Nebraska, according to a 2019 report from The Commonwealth Fund. While some costs are set, such as the premium price for your health plan, others can be planned or negotiated if you know the right questions to ask. Read the full article…
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