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5 things about health insurance you only know if you have a broker (Like ME!)

You can’t just get individual health insurance any ‘ol time you want. You MUST enroll during Open Enrollment (which starts in November for coverage beginning in January). ORRRRR you can get a new plan if you have a Qualifying Life Event (QLE) that happened within the last 60 days. A QLE is something like involuntary… Continue reading 5 things about health insurance you only know if you have a broker (Like ME!)

The Insurance Mom’s Quip. #7

Life can only be understood backwards, but it must always be lived forwards. (Thanks Mr. Kierkegaard!)

The Insurance Mom’s Quip. #6

“Expecting the world to treat you fairly because you are a good person is a little like expecting the bull not to attack you because you are a vegetarian.” (Thank you Dennis Wholey)

The Insurance Mom’s Quip. #5

Never buy insurance for something you can reasonably afford to pay for yourself.

Surprise! Not any more.

Good news for consumers of medical care. On 1/1/22 the feds are rolling out a new law which will ban surprise medical bills – the ones you get when you least expect them – for situations where you have no control over who is taking care of your owies.   Like… if you go to an emergency… Continue reading Surprise! Not any more.

The Insurance Mom’s Quip. #4

The last thing you want to hear is your Insurance Mom saying “I told you so.” So I’m telling you!

The Insurance Mom’s Quip. #3

When you think everything is someone else’s fault, you will suffer a lot. (Wisdom from the Dalai Lama!)

The Insurance Mom’s Quip. #2

If health care was affordable, we wouldn’t need health insurance. Just so’s ya know.

The Insurance Mom’s Quip. #1

To IGNORE the facts does not CHANGE the facts. I’m just sayin’.

PPO, HMO, or EPO? What’s in a name?!

What’s with the alphabet soup? What’s it all mean? How will it inform your choices? Understanding the differences is essential to understanding health insurance. HMO (Health Maintenance Organization) Say your toe hurts and you’re on an HMO.  Where do you go first, the podiatrist? WRONG! With an HMO, you must get prior approval and referral to a… Continue reading PPO, HMO, or EPO? What’s in a name?!