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How to get a PPO!

If you’ve been trying to get insurance during the Open Enrollment, which ends December 15th, you have probably noticed you can’t get a PPO or Preferred Provider Organizations.  PPOs are only offered in the Small and Large Group markets.  The reason why is a topic for a future blog.  This topic is about how to get Read more about How to get a PPO![…]

Another Healthcare Law that Sounds Good but does No Good

In 1986, Congress enacted the Emergency Medical Treatment and Labor Act or EMTALA.  In 1994 they revised the Act to include the “prudent layperson” definition as a standard for evaluating whether a patient has an emergency condition.  Boiled down, it says if you think it is an emergency, then it is to be classified as Read more about Another Healthcare Law that Sounds Good but does No Good[…]

What is an “Oscar”?

There is a new entrant into Travis County for insurance.  It is called, Oscar.  Those of you looking for health insurance are very limited in your choices.  For years, Blue Cross Blue Shield has really been the only viable choice.  Now that Oscar has emerged, Blue Cross Blue Shield has some competition.  Let me briefly explain Read more about What is an “Oscar”?[…]

Are you ready?

Open enrollment for individual and family insurance for 2018 begins on November 1, 2017, and runs through December 15, 2017.  After that date, you will no longer be able to get insurance without any questions being asked. It costs nothing to use a broker or agent.  Don’t just by the cheapest insurance.  It could cost Read more about Are you ready?[…]

Did you lie about having health insurance on your tax form?

You don’t have to answer that, but on April 15, 2016, when you file your 2015 taxes, the IRS will know if you had a QHP or Qualified Health Plan or not. Insurance Carriers are now supposed to collect your Social Security number and report it to the IRS has having health insurance.  They have Read more about Did you lie about having health insurance on your tax form?[…]

What Most People Don’t Know About Deductibles

In addition to selling insurance I work with Providers helping them understand all the new regulations and how the Affordable Care Act will affect them. Recently I spoke with a Medical Biller about provider charges, the incredibly high deductibles patients must meet for their insurance plan and what Payer consider to be an allowable service. Read more about What Most People Don’t Know About Deductibles[…]