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You are the patient, not the customer

Healthcare is personal. When we start seeing the doctor, it is about us, or what is inside of us. These are things we do not go telling the public. Over time we build this relationship with the doctor. There is a comfort zone when it comes to our doctors. The unfortunate thing is, this relationship is one-sided. You are only a good relationship, as long...

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Why is Obamacare Still Here?

Since its inception, the Affordable Care Act has taken its share of hits. Multiple trips to the Supreme Court, not for profit Co-ops failing, for-profit insurance carriers leaving the marketplace, attempts to repeal the law in bits an pieces, and it is still here! Some counties when the rates are filed in the coming months will find that they have no insura...

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Health insurance as an open credit card

Unfortunately, many see health insurance as an open credit card. People demand things that they think should be covered and have access to whichever provider they so choose. Requiring to go to the most expensive hospital system because someone else is paying the bill would be entirely different if it came out of your pocket. The truth is, it does cost you ...

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Overusing your health insurance

When reviewing health plans and evaluating cost, keep in mind health insurance wasn't designed to cover every penny related to health care. Everything under the sun on an open credit card is nice, but not when you are paying the bill. But you are. The purpose of insurance is to cover sudden very expensive losses. It's about making you whole again and not...

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Non-Obamacare Short Term Health Plans On The Rise

American’s are looking for lower cost alternatives when it comes to their healthcare needs. Those who do not need a huge demand for medical services to be covered have other options. Even those with some medical requirements on a monthly or quarterly basis are ok with little less coverage if they are saving enough on premiums. The good news is alter...

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Health Insurance: The race against the clock

There is still time for Congress to pick up the pieces of changing the healthcare system to help stabilize it. The fate of the Affordable Care Act is yet to be determined. In the meantime, people wait while paying extremely high premiums and have mountains of out-of-pocket bills on the kitchen table. Where is the affordability of the Affordable Care Act? ...

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Advisor TV: S6:E4 BUTCH ZEMAR, BENEFITS ADVISOR,

Employers are feeling it every day that health insurance premiums are skyrocketing out of control. They are duplicating their efforts and finding out as they move along they have pitfalls that are eating up their bottom line. Employers have options dealing with healthcare for their employees. Staying ahead of the trend will help save them money and time wh...

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Health care billing issues: Sudden and Expensive

Photo credits: creditcards.com Insurance is designed for sudden expensive exposure that most of us cannot afford. If you look at those words again: sudden and expensive. It does not spell out the predictable and affordable. For years though, we had someone with the bigger purse paying the bills. Most of us had very little to pay out-of-pocket for any of...

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Aetna- CVS Merger a Win for Consumers

On December 3, 2017 it was announced that CVS pharmacy would purchase Aetna for an estimated $69 billion. This could become a move that changes the way healthcare is delivered in the United States. First, let me say that we must distinguish the difference between health insurance and health care. The two are often used synonymously. Health care is the tr...

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Trump Changes Healthcare with Executive Order

Last week President Trump signed an executive order on health care, to cause momentum to change with the Affordable Care Act. Taking this action increases healthcare choices for millions of Americans. Having alternatives to Obamacare plans will help make things more affordable. How does that impact you? Let’s review the changes. The order directs ...

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Video: strategize and save money on health insurance in 2018

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Video: What to do for 2018 health insurance plans

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Exchange Plans Wait to Price 2018 Policies

It could be an another cold day in Chicago, as we wait to see what the Trump Administration decides to do with the healthcare subsidies. A glimmer of hope for some of those receiving subsidies. The insurance companies are fearing for the worst. Brace for impact! Health insurance companies must soon decide if they will participate in Affordable Care Act (AC...

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Why Allowing Health Insurance Sales Across State Lines Won’t Help

Why Allowing Health Insurance Sales Across State Lines Won’t Help By Peter Orszag | March 7, 2017 Why Allowing Health Insurance Sales Across State Lines Won’t Help The effort to replace Obamacare faces increasing challenges, the more it is subjected to the harsh light of scrutiny. A good example is the proposal, apparently central to the Re...

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Small employers still have a chance to save money

Photo credit: clipartfest.com The Affordable Care Act, also known as Obamacare, has confused many people lately. The massive increases for January 1st, 2017, has left many in a pickle. Employers are scrambling to find a solution, yet at a cost that could be as much as double their mortgage. This increase produces a financial strain on their family. The p...

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Video: Small Businesses Paying More for Health Insurance in 2017

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