Videos
Life Insurance for Moms: Protecting Your Family’s Future
May is still an excellent time to honor and appreciate the incredible women in our lives. From working moms and single moms to caregivers, stay-at-home moms, and grandmothers. These women play vital roles in our families and communities. One way to show our love and...
The Pharmacy Benefit Managers (PBMs) Unveiled: Your Guide to Understanding Prescription Drug Costs
Navigating the healthcare system can sometimes feel like solving a puzzle, especially when figuring out who sets the price of your medications. One key part of this puzzle involves Pharmacy Benefit Managers, also known as PBMs. They have a big but often overlooked...
Navigating Uncertainty: Blue Shield vs. Providence Negotiation Standoff
In the ever-evolving healthcare landscape, negotiations between insurance carriers and healthcare systems are critical for ensuring patients have access to the care they need and premiums they can afford. However, recent events have highlighted the challenges and...
Why you should consider Long-Term Care Insurance in 2024?
Although the American population is aging rapidly, Long-Term Care (LTC) insurance is held by only about 1 in 30 Americans and approximately 7% of adults over the age of 50. Studies show that someone turning 65 today has almost a 70% chance of needing some type of...
Why Life Insurance for Women Matters The Most?
International Women's Day was recently observed on March 8th. Women make up the 51% of the entire United States population and 56% of the US labor force. Despite their significant representation in government, women still face challenges about the wage gap; hence...
Federal Poverty Level (FPL) for 2024
The Federal Poverty Level ( FPL) is a benchmark to assess individuals' and families' income levels relative to the federal poverty threshold. In California, health insurance premiums frequently adapt positively based on income in relation to the FPL. Individuals or...
Special Enrollment Period 2024
Starting February 1, 2024, the Annual Open Enrollment Period ends and the Special Enrollment Period begins. During the Special Enrollment Period from February 1st to October 31st, 2024, anyone seeking to enroll in or change their existing health insurance must have...
Optum and Providence bid farewell to Anthem’s Individual Health Insurance
Optum and St. Joseph Providence Health will terminate their health maintenance organization (HMO) agreements with Anthem Blue Cross effective January 1, 2024. As a result, Optum and Providence Health will no longer be part of the Anthem Blue Cross Commercial Pathway...
Medicare Open Enrollment 2024: What You Need to Know
The Annual Open Enrollment Period (AEP), which runs between 🗓️October 15 and December 7, 2023, for renewals in 2024, is in full swing. CMS requires all agents to record any phone calls. Therefore, after you fill out the required Scope of Appointment (SOA), please...
Small Businesses: Get Ahead with the 2024 Special Enrollment Period
Every year, small businesses have a special window to start a small group health insurance policy with small group health insurance carriers with relaxed underwriting. This period is known as a Special Enrollment Period and starts on November 15th through December...