Many families are in search of affordable health insurance that will provide maternity or pregnancy benefits. Health carriers offer such plans, but they vary in the amount of coverage provided. Most insurers provide no benefits for at least three to nine months and at least one insurance company will not cover a pregnancy for 18 …
November 7, 2007
Category: Health Insurance
There are several strategies you can use to pass assets to the next generation while mitigating taxes. This article will focus on life insurance for wealth transfer as it’s one of the most efficient. Life policies immediately create a fully valued tax-free asset upon first premium receipt. Our clients ask about cost effective ways to …
August 29, 2007
Category: Life Insurance, Wealth Transfer
Currently there are only a few states allowing insurance companies to offer Medicare Supplements to those under the age of 65. Due to legislative changes, California, Georgia, Florida, Illinois, Missouri, Pennsylvania, Texas, and Tennessee are such states. Just like those reaching age 65, those who qualify for Medicare due to disability will have an open enrollment …
August 22, 2007
Category: Medicare Supplements
There are several resources available if you are looking to purchase individual or family health insurance plans online. Most of the major carriers offer online health insurance quoting links that independent agents can post on their personal websites. These links will describe all of the plan offerings in great detail and then allow you to …
August 6, 2007
Category: Health Insurance
One America/State Life offers this hypothetical case study. It details an innovative way to pay provide funds for long term care expenses while also creating a tax write-off under the Pension Protection Act. While many seniors own deferred annuity contracts, some are unsure what to do with underperforming or mature contracts. If you would like …
August 2, 2007
Category: Long Term Care Insurance
In an attempt to make health insurance and health savings accounts more attractive to consumers and businesses, Congress has revised HSA legislation in 2007. The new laws make HSA’s for individuals, families and businesses more beneficial which may likely increase the popularity of these plans. The intended result may be that more Americans purchase high …
January 22, 2007
Category: Health Insurance, Health Savings Accounts
The Internet has changed many industries for the better. Consumers want accurate and timely information at the touch of a button. The Internet is playing a major role in the insurance industry and in the process making more information are real time quotes available with the click of a mouse. Even better, consumers can enroll …
December 13, 2006
Category: Health Insurance
The most common question I am asked as an insurance broker is: “Who has the most affordable insurance plans?” My stock answer is: What benefits are you looking for? To which the customer might reply: “I want the best benefits I can purchase at the most affordable price.” We live in a county where consumers want the …
November 30, 2006
Category: Health Insurance, Health Savings Accounts
Yes, you should consider all of your options when turning age 65. However, if you have group insurance through work, you may be able to defer your Medicare and supplemental enrollments until retirement. Your group size matters here. When you enroll in Medicare Part B, consider secondary insurance too. You’ll want to supplement what Medicare …
November 10, 2006
Category: Medicare Supplements, Retirement Planning
As the race for Governor heats up in Ohio, there is some tough talk from both camps on the need to get Ohioans insured. In our mind, it is doubtful that health insurance will become mandatory or that our state government will subsidize plans anytime soon, but opening a dialogue on this important topic is …
October 20, 2006
Category: Health Insurance, Health Savings Accounts
You may need short term health insurance coverage in Ohio for any number or reasons. You might be between jobs, laid off, a recent college graduate, waiting for employer coverage to begin, outside of Open Enrollment, a seasonal employee or looking for a lower cost alternative to COBRA. We can help. There are several companies …
September 22, 2006
Category: Health Insurance
This is the official introduction of the Ohio Insurance Plan blog. This will be a place designed for consumers and insurance professionals to exchange information regarding trends in the industry. Enjoy and happy blogging!
-H.A.A. Staff
June 22, 2006
Category: General Insurance