Options For Over 65 Insurance

Options For Over 65 Insurance | JT Insurance ServicesAs the majority of Americans will be retiring around the age of 65, over 65 insurance is an important topic upon which to educate yourself. With changes in employee-sponsored health insurance due to retirement, Medicare may be a go-to option for some Americans. However, those who do not qualify for Medicare must seek private individual insurance. Some good news for over 65 insurance is that with recent changes in legislation, insurers cannot turn people away due to pre-existing conditions or age.

Click here to read the full article by Nancy Metcalf for Consumer Reports News.

Some Still Lack Coverage Under California Health Insurance Exchange

Some Still Lack Coverage Under California Health Insurance Exchange | JT Insurance ServicesDespite the many successes seen under the implementation of Obamacare, recent information shows that thousands of Americans are still awaiting coverage. Under the California Health Insurance Exchange, and comparable exchanges for other states, some consumers “picked a private health plan and paid their premiums only to learn recently that they aren’t insured.” While the number of consumers experiencing coverage issues seems to be quite minimal, this still leaves major concerns for those without coverage due to enrollment problems.

Click here to read the full article by Stephanie Armour for Wall Street Journal.

Federal Employees Rank Individual Health Insurance Highly

Federal Employees Rank Individual Health Insurance Highly | JT Insurance ServicesThe 2013 Federal Employee Benefits Survey showed that government employees have ranked their individual health insurance programs as one of the most important benefits to them. Retirement savings were also ranked highly, and employees have states that these programs “meet their needs and provide value for the money.”

Click here to read the full article by Eric Yoder for Washington Post.

Dodge Dental Dollar Dilemmas With a Dental Insurance Quote

Dodge Dental Dollar Dilemmas With a Dental Insurance Quote | JT Insurance ServicesThe American population spends millions of dollars every year on diet plans and gym memberships in an attempt to become healthier. The thing that they do not realize is that proper health begins in the mouth and what they really need to do is get a dental insurance quote.

The Surgeon General reports that untreated oral health conditions can potentially result in life-threatening diseases. Heart disease, diabetes, oral cancer, lung disease, and premature births are all conditions that may show their first symptoms in the mouth. These diseases result in the deaths of millions of Americans every single year.

Adults are not the only ones who suffer when they skip their dental visits. Children who do not receive proper dental care can suffer in their long-term development. Height and weight can both be affected by a lack of treatment and children can develop speech problems as well.

Visiting a dentist annually can help to prevent many of these afflictions or help to detect them early on. Your dentist will be able to assess your health condition at your check up and refer you to your regular physician for follow-up analysis. The only problem is that many people do not visit their dentists on a regular basis.

Dental coverage is not typically included in a standard health insurance policy. Some people are lucky enough to be covered by their employers, but others are not and they forego coverage due to the fear of not being able to afford the additional policy. Surprisingly, dental coverage can be quite affordable and a dental insurance quote is easy to get.

Price quotes can be obtained online and over the phone. Insurance brokers and agents can usually provide you with information on multiple dental options and assist you in selecting the one that is right for you. Getting a dental insurance quote and spending a little money now towards the health and well-being of you and your family can save you thousands of dollars in hospital bills in the future.

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Saving Money on Family Health Insurance

Saving Money on Family Health Insurance | JT Insurance ServicesDespite policy changes to make insurance more affordable, family health insurance can still be a financial hurdle for some to overcome. For this reason, finding ways to save on health insurance and support your family’s finances are incredibly valuable. If your policy has “a deductible of at least …$2,500 for families in 2014, you may be eligible to open a health savings account.” An HSA allows you to set aside tax-deductible funds to pay your out of pocket medical expenses or deductible fees. Similarly, keeping all receipts to get credits from your insurer or for HSA withdrawals.

Click here to read the full article by Kimberly Lankford for Chicago Tribune Business.

What You Should Consider When Looking For Affordable Health Insurance

What You Should Consider When Looking For Affordable Health Insurance | JT Insurance ServicesWith the recent changes to healthcare, you may be wondering what you need to consider when shopping online for an affordable health insurance plan. Healthcare is not free and you will need to consider the cost of healthcare in relation to the benefits you get under the plans you are interested in. It is important to understand the basics of healthcare so that you can make an informed and intelligent decision about which plan is best for you. Accordingly, you will want to understand what your specific needs are, what plans are available, what they offer you and what that plan means for your financial budget.

It is important to have a working knowledge of healthcare insurance when shopping for affordable health insurance online. You should understand the fee schedules for the plans you are interested in, and pay particular attention to the deductibles, copayments, coinsurance, and the provider network. Generally speaking, if you are paying more in copayments and deductibles, you are paying less for insurance premiums. Another important consideration is the provider network.  Unfortunately, the current healthcare system does allow you the freedom to visit any doctor you would like, unless you want to cover the cost of treatment yourself or pay a higher deductible. Because of this, you will want to review the list of doctors your insurance company includes in its network, especially if you have special needs that cannot be treated by just any doctor.

Generally speaking, there are three types of plans available: healthcare maintenance organizations (HMO), preferred provider organizations (PPO), and point-of-service plans (POS). You will have lower costs with HMOs, but you must stay with a primary care physician within your specific network. PPOs do not require you to select a primary care physician and allow you to choose out of network doctors for a higher fee. A POS plan is a combination of HMOs and PPOs. POS plans allow you to choose an in network primary care physician, and allow you to go out of network and see specialists with a referral from your primary care physician.

You will want to review the plans you are interested in and understand which benefits they offer, and which benefits they do not offer. By understanding this, you can maximize your cost to benefit potential and get the most for your money with an affordable health insurance plan. Make sure to be aware of any changes to coverage if you are switching providers, know what special needs you might have and which physicians are in your network, and balance the cost of the plans with your medical needs.

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Tips When Purchasing Life Insurance

Tips When Purchasing Life Insurance | JT Insurance ServicesWhen considering purchasing
life insurance, there are many aspects to weigh in regards to the type of plan you are seeking. Primarily, it is incredibly important to understand your options and be educated in regards to the varieties of policies available to you. Setting coverage priorities, purchasing your plan early, insuring both parents, and consulting an insurance agent are also other recommended steps to take in the process of looking at life insurance.

Click here to read the full article for Richmond Times Dispatch.

Life Insurance Decisions Require Careful Consideration

Life Insurance Decisions Require Careful Consideration | JT Insurance ServicesWhen taking it upon yourself to consider valuable investments, one of the most important and worthwhile considerations may be that of
life insurance. Beyond just deciding whether or not you want life insurance, choices between permanent  and term life insurance may seem daunting. While permanent insurance provides coverage for your entire lifetime, term insurance lasts for a specified period of time. Discussing your options with an insurance agent and doing research will help you to choose what is the best option for you.

Click here to read the full article by Tim Sullivan for the Columbia Daily Tribune.

What Types of Health Insurance Are There?

What Types of Health Insurance Are There? | JT Insurance ServicesThe world of health insurance can seem confusing and daunting. If you are looking for the best plan to protect your health, you might be wondering, “What types of health insurance are there?” There are some key distinctions you should know before you pick a plan.

One of the most common types of insurance is a Fee-for-Service policy, or an indemnity plan. As the name suggests, your fee-for-service insurance company will pay the fees for the medical services that you seek after you submit reimbursement forms. These plans are great if you need flexibility because they allow for a great deal of freedom when selecting the healthcare provider that best suits your medical needs.

As you are investigating what types of health insurance are there, you may find yourself familiar with the acronym “HMO,” but unsure of what it stands for. “HMO” refers to “Health Maintenance Organizations.” If you choose this type of plan, you will have access to a network of specific doctors that provide healthcare for members of your HMO, including someone who will become your primary care physician. HMOs are a very affordable option. You can pay a monthly fee to your HMO that can cover the cost of medical services so that you only have to worry about your co-pay upfront.

Another type of health insurance plan is the “PPO,” or the “Preferred Provider Organization” plan. With a PPO plan, you can get your favorite doctor on a list of preferred providers, making your treatment with him or her eligible for coverage. Even if your doctor is not on your PPO’s list, you can still seek treatment with him or her and have the cost partially covered.

Now you have answered the “What types of health insurance are there?” question! As you continue to learn more about your healthcare options, be sure to remember that all insurance policies require you to pay premiums, co-pays, and deductibles. With that in mind, you can move forward and select the best plan for you.

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7.8 Million Under 26 Insured Under Affordable Care Act

7.8 Million Under 26 Insured Under Affordable Care Act | JT Insurance ServicesAuthors of a report from the Commonwealth Fund credits the Affordable Care Act and Obama’s healthcare reforms with 20 million enrollments as of the first of May. An estimated 7.8 million of that are people under 26, many of whom are covered as dependents on their parents’ plans. Moreover, for expansion to remain stable, the report encourages that healthcare costs will need to remain low.

Click here to read the full article by Alexandra Sifferlin for TIME.