Individual / ACA Marketplace Plans 1. Premiums Are Rising Sharply Insurers in many states are proposing increases in ACA marketplace premiums of 10–27% for 2026. Some preliminary data show a median premium increase around 18% nationwide. 2. Out-of-Pocket Maximums & Deductibles Increasing With healthcare costs and inflation, government rules are pushing up the limits: what you pay in deductibles, copays, and the most you’ll ever pay in a year is going up. For many ACA-compliant plans, the maximum out-of-pocket is moving significantly higher in 2026. 3. Subsidies (Premium Tax Credits) Might Shrink Enhanced premium tax credits that have helped many people afford marketplace plans are set to expire at the end of 2025 unless extended by Congress. When they expire, many people will see their net premiums (what you pay after subsidies) increase—possibly by a large margin. 4. Eligibility Rules and Participation Changes There may also be changes in who qualifies for what levels of help, and how much. Household income, size, and even your recent medical needs could affect the cost and availability of plans more than before. Medicare 1. Part B & Part D Premiums and Cost Sharing Are Increasing Medicare Part B monthly premiums and Part D premiums are projected to go up in 2026. For example, the base beneficiary premium for Part D is expected to increase about 6%, while Part B premium increases are more significant. 2. Out-of-Pocket Drug Caps Go Up The maximum out-of-pocket cost for prescription drugs under Medicare Part D will increase: from $2,000 in 2025 to $2,100 in 2026. 3. Medicare Prescription Payment Plan (MPPP) Changes The MPPP, which helps you spread prescription drug costs across the year rather than paying full cost at the counter every time, will auto-renew unless you opt out. Also, plan sponsors must process opt-outs within three days. 4. Updates to Medicare Advantage (MA), Part D, Dual-Eligible Plans (D-SNPs), and Star Ratings CMS’s 2026 final rule introduces nuanced changes in how plans are rated, how prescription drug benefits are structured, and enhancements/modifications for Dual Eligible Special Needs Plans. Why These Changes Matter for You These are not just abstract policy shifts — they can affect your wallet, your coverage, your access to care, and how much protection you really have. Here’s why reviewing your coverage matters: • Costs Could Go Up Significantly With premiums, out-of-pocket maximums, and deductibles rising, what seemed affordable last year may look very different in 2026. If you rely on subsidies for ACA plans, those shrinking could be a big hit. • Your Health Situation May Have Changed If your health needs have changed (new medications, more frequent doctor visits, upcoming surgeries, etc.), the plan you had before may no longer serve you well. A plan that seemed adequate might now expose you to large costs. • Benefit Designs Differ Widely Even within Medicare Advantage, Part D, and ACA plans, plan features vary: prescription drug formularies, preferred providers, prior-authorization rules, network coverage, and perks are not uniform. A review helps you match plan features to your actual needs (doctors you use, medications, specialists, etc.). • Avoid Gaps, Surprises, & Administrative Issues Auto-renewals or changes might happen that you miss. For instance, with MPPP auto-renewing, you might stay in a plan whose new cost structure works less well for you. Provider directories may change. If you don’t check, you could discover after the fact that your usual doctor isn’t in-network. • Opportunity to Optimize With change comes opportunity. You may find a cheaper plan, more subsidy, or better coverage that suits your situation. You might re-evaluate whether a high-deductible plan with HSA works, or perhaps a more robust Part D plan is worth the premium. A consult helps you see those trade-offs and make an informed decision. What to Ask / Look at During Your Consult or Review When you sit down to review, whether with a licensed agent, broker, or counselor, here are items you’ll want to cover: Projected total costs: premiums + deductibles + drug costs + copays + out-of-pocket maximums Changes to subsidies / tax-credits for ACA plans Plan networks: are your doctors / hospitals included? Drug formularies: are your prescription drugs covered? Are there shifts in prior authorization? Extra benefits (vision, dental, hearing, wellness perks) and trade-offs for those extras Whether your Medicare Advantage plan or Original Medicare plus a supplement better serves you, given new MA changes Timing: open enrollment periods, deadlines, required paperwork for subsidies, verification of income, etc. Conclusion: Why You Should Act Now Given all the changes ahead in 2026, waiting to review can leave you exposed: to cost increases you didn’t anticipate, to being “locked in” to a plan that no longer fits, or missing out on new benefits. Booking a consult / review now gives you lead time to: Understand what changes will hit you Adjust your budget or savings to cover increases Shop smartly and compare alternatives before open enrollment ends Make sure paperwork is in order so you don’t lose subsidies or coverage Give us a call at 706-257-5073 to schedule your 2026 consult now!

Un derstanding the 4 Key Components of a Health Insurance Policy Health insurance can feel overwhelming—full of terms, numbers, and fine print that don’t always make sense at first glance. But when you break it down, most health insurance policies are built around four main cost-sharing components: deductible, co-pay, coinsurance, and maximum out-of-pocket (MOOP). Understanding these four pieces is essential, because they determine not only how much you pay when you use medical services, but also how quickly your plan begins to share costs with you. Let’s walk through each in simple, everyday language so you can feel more confident about how your policy works. 1. Deductible: Your Upfront Responsibility The deductible is the amount you pay out of pocket before your insurance company begins covering certain services. Think of it like the entrance fee you must pay before your insurance kicks in for many covered benefits. For example, if your deductible is $2,000, you are responsible for the first $2,000 of eligible medical expenses each year. After you reach that amount, your insurance will begin to share the cost of your care, usually through coinsurance or co-pays. A few important points about deductibles: Not all services apply. Many plans allow you to see your primary care doctor, receive preventive screenings, or get generic prescriptions without paying toward your deductible first. Preventive care (like annual check-ups or vaccines) is almost always covered at no cost under the Affordable Care Act. Family deductibles work differently. If you have a family plan, there is usually both an individual deductible and a family deductible. Once one person meets their individual deductible, the plan starts helping with their costs. Once the total family deductible is met, coverage expands for everyone in the household. High vs. low deductibles. Plans with higher deductibles usually come with lower monthly premiums. Plans with lower deductibles often have higher premiums. The right balance depends on your expected healthcare usage. In short, your deductible is the foundation of your plan. Until you meet it, you’re largely paying medical costs yourself. 2. Co-Pay: A Flat Fee at the Time of Service A co-pay (short for “copayment”) is a fixed amount you pay when receiving certain medical services, such as visiting your doctor, filling a prescription, or going to urgent care. For example: $25 to see your primary care doctor. $50 for a specialist visit. $15 for a generic prescription. The key thing to know is that co-pays are predictable. Whether your doctor charges $150 or $250 for the visit, you still pay the same flat fee. A few notes about co-pays: Co-pays are due at the time of service, making them one of the most visible costs of health insurance. They may or may not count toward your deductible, depending on your plan. Always check your policy details. Many people appreciate co-pays because they provide certainty—you know exactly what you’ll owe for certain services. In everyday terms, co-pays are like the set cover charge at the doctor’s office: you pay your fixed share, and insurance covers the rest right away. 3. Coinsurance: Sharing Costs with Your Insurance Company While a co-pay is a flat fee, coinsurance is a percentage of the bill that you pay once your deductible has been met. This means your costs will vary depending on the price of the service. For example, let’s say your plan includes 20% coinsurance: You have already met your deductible. You need an MRI that costs $1,000. Your share is 20% = $200, and insurance pays the remaining $800. Coinsurance can apply to hospital stays, imaging, outpatient procedures, or other higher-cost services. It ensures that you and your insurer both share responsibility for expenses after your deductible is met. A few key points: Coinsurance only kicks in after the deductible has been satisfied. The percentage varies by plan—commonly 10%, 20%, or 30%. If you haven’t met your deductible yet, you pay the full cost of the service. Coinsurance is like splitting the bill with your insurance company—you both cover part of the cost, but the insurer usually pays the larger share. 4. Maximum Out-of-Pocket (MOOP): Your Safety Net The maximum out-of-pocket (MOOP) is the most you will have to pay for covered services in a plan year. Once you reach this amount, your insurance company pays 100% of covered expenses for the rest of the year. Here’s how it works: Your deductible, co-pays, and coinsurance all count toward this maximum. Premiums (your monthly payments) do not count toward it. Once you hit the MOOP, you are fully protected from additional covered medical costs for the remainder of the plan year. For example: Your plan has a $6,500 MOOP. Over the year, you pay $2,000 to meet your deductible, $1,500 in coinsurance, and $3,000 in co-pays. That totals $6,500, meaning you’ve reached your maximum out-of-pocket. From that point forward, your insurance pays 100% of all covered services until the new plan year begins. This is the ultimate financial protection built into every health insurance policy. It ensures that no matter how high your medical costs go, there’s a ceiling on what you’ll owe. Putting It All Together Understanding these four components—deductible, co-pay, coinsurance, and maximum out-of-pocket—gives you a clearer picture of how your policy works in real life. Let’s consider an example: You have a plan with a $2,000 deductible, 20% coinsurance, $25 co-pay for office visits, and a $6,500 MOOP. You go to your doctor for a sick visit → $25 co-pay. Later, you need blood work costing $300. Since you haven’t met your deductible yet, you pay the full $300. After meeting your $2,000 deductible through several services, you need an MRI costing $1,000. Now, instead of paying the full amount, you pay 20% = $200, and insurance covers the rest. Over the course of the year, once your combined payments hit $6,500, your insurer takes over and pays 100% of covered costs. Final Thoughts Health insurance can be intimidating but breaking it into these four pieces makes it easier to understand. Deductible: what you pay first. Co-pay: flat fee for certain visits or prescriptions. Coinsurance: percentage of costs after your deductible. Maximum Out-of-Pocket: the cap that protects you from runaway expenses. With this framework, you can compare plans more confidently, understand your true potential costs, and make choices that fit your healthcare needs and budget.

September is recognized as Blood Cancer Awareness Month, a time when individuals, families, organizations, and communities come together to shine a light on a disease that affects so many lives. At Crawford Benefits, this cause is especially close to our hearts. We know firsthand how important awareness and education can be, and this September we are showing our support by turning things a little orange, the color that symbolizes blood cancer awareness. Wearing or displaying orange may seem small, but it is a powerful reminder of the ongoing fight against leukemia, lymphoma, myeloma, and other blood cancers. By dedicating a month to this cause, we hope to encourage early detection, raise critical support for patients and their families, and inspire action within our community. Blood cancers are unique because they affect the very lifeline of the body, the blood, bone marrow, and lymphatic system. Unlike many other cancers that form solid tumors, blood cancers circulate through the body, making them harder to detect in their early stages. That is why awareness is so vital. When people understand what symptoms to watch for and when to speak up, lives can be saved. Some of the most common signs of blood cancers include persistent fatigue or weakness, frequent infections, unexplained weight loss, easy bruising or bleeding, and swollen lymph nodes. Unfortunately, these symptoms can often be mistaken for other, less serious conditions, which can delay diagnosis. The more we talk about these warning signs, the better chance people have at recognizing when something might be wrong and getting help as early as possible. For many families, a blood cancer diagnosis can be overwhelming. It often brings uncertainty, countless medical appointments, and emotional and financial strain. Yet, in the midst of this challenge, stories of resilience, community support, and groundbreaking medical advances provide hope. Treatments such as bone marrow transplants, chemotherapy, immunotherapy, and CAR T-cell therapy are improving outcomes for patients every day. Continued progress in research is possible because of awareness months like this one, which raise funding and spark conversations that keep blood cancer in the spotlight. At Crawford Benefits, our commitment goes beyond simply acknowledging Blood Cancer Awareness Month. We want to encourage real action. One of the simplest yet most impactful ways to get involved is to donate blood. Cancer patients often rely on blood transfusions as part of their treatment, and every donation truly makes a difference. Another powerful step is to register as a bone marrow donor. Many patients with blood cancer depend on bone marrow or stem cell transplants to survive, but finding a matching donor can be difficult. By joining the registry, you could one day give someone the gift of life. Supporting research organizations and patient advocacy groups is also a meaningful way to contribute. Donations help fund groundbreaking studies, provide patient services, and support families during some of the most difficult times in their lives. Even if financial giving is not possible, simply sharing information with friends and family helps spread awareness. Wearing orange, posting about Blood Cancer Awareness Month on social media, or participating in a local fundraising event are small actions that create a ripple effect of education and support. As we reflect on this month, it is important to remember that awareness is not just about statistics or facts, it is about people. It is about honoring those who have lost their lives, supporting those currently in the fight, and standing with caregivers who give so much of themselves. It is also about building hope for the future, where better treatments and maybe even cures become a reality. Awareness months like this remind us that we are not powerless in the face of cancer. Each of us has something to contribute, whether it is time, resources, or simply compassion. We encourage everyone to take a moment this September to learn more about blood cancers and what you can do to help. Check in on loved ones, talk about the signs and symptoms, and look for ways to get involved. Together, as a community, we can raise our voices for a cause that matters deeply to so many. When we unite under the color orange, we send a message of strength, resilience, and unwavering support to those impacted by blood cancer. This September, let us remember that awareness leads to action, and action leads to hope. By donating blood, registering as a bone marrow donor, supporting organizations, and sharing information, we all have the power to make a difference. We stand with the blood cancer community this month and every month, and we invite you to join us in spreading awareness and fostering change. Together, we can turn compassion into action and bring hope to those who need it most.

At Crawford Benefits, we believe that small, thoughtful choices can make a big difference for the environment. Every decision we make in our daily lives and in our office has an impact, and by choosing healthier, more sustainable practices, we can help protect our planet for generations to come. With World Environmental Health Day taking place on September 25, it is the perfect time to reflect on how our choices affect the environment and what simple steps we can take to reduce our carbon footprint. Lowering your carbon footprint may sound like a big task, but it really comes down to making small, consistent changes that add up over time. Many of the things we do in our office are simple, affordable, and easy to replicate at home or in other workplaces. One of the first things we decided to change was our use of paper products. Instead of stocking paper towels, we use cloth towels that can be washed and reused. This not only reduces waste but also saves money in the long run. Switching to reusable cloths eliminates the constant need to buy paper products that are used once and thrown away. Cleaning is another area where we have made improvements. Many traditional cleaners contain harsh chemicals that are not only bad for the environment but can also affect our health. In our office, we choose simple, non-toxic cleaning products that are just as effective without the harmful side effects. By choosing safer cleaners, we reduce the amount of toxins released into the air and water supply. To further improve the air quality in our space, we use an ozone machine regularly, which helps clean and neutralize airborne contaminants and eliminate odors. We also use air purifiers in our office. Clean air creates a healthier environment for everyone in the office and contributes to a more sustainable workplace overall. Food storage and packaging are other areas where small changes can have a big impact. Instead of relying on single-use containers, plastic wrap, or disposable baggies, we use Tupperware and reusable storage bags. This change may seem small, but when you think about how often people pack lunches, store leftovers, or organize snacks, the amount of plastic waste adds up quickly. By reusing containers, we cut down on the need for disposable plastics, which are some of the biggest contributors to pollution in oceans and landfills. Reusable products are also sturdier and more reliable, making them a smarter choice for daily life. The great thing about all of these adjustments is how practical and attainable they are. You do not need to make drastic changes overnight to make a difference. Simply replacing paper towels with cloth, choosing a reusable baggie over a plastic one, or swapping one toxic cleaner for a non-toxic alternative are easy ways to get started. These little steps add up, and when more people make them, the collective impact is enormous. September 25 is World Environmental Health Day, which serves as a reminder of how closely connected human health and environmental health are. The quality of the air we breathe, the water we drink, and the products we use every day all play a role in our overall well-being. By choosing to live more sustainably, we are not only protecting the planet but also taking care of our own health. Cleaner air, fewer toxins, and less waste all contribute to healthier communities. It is also important to remember that sustainability is not about perfection. No one can eliminate their carbon footprint entirely, but everyone can take steps to reduce it. Whether it is biking instead of driving for short trips, turning off lights when you leave a room, reducing food waste, or bringing reusable bags to the grocery store, every action makes a difference. The key is to be mindful of your choices and to look for areas where you can swap out a disposable habit for a reusable one. At Crawford Benefits, we take pride in the steps we have already put in place in our office, but we also know there is always room to improve. Environmental health is an ongoing commitment, and World Environmental Health Day gives us the opportunity to reflect on what we are doing and what more we can achieve. We encourage everyone to look at their daily routines and see where they can make simple, sustainable swaps. In the end, the goal is not just to reduce our carbon footprint but to create a healthier, more resilient future for everyone. By making small, consistent choices, we protect the environment, safeguard our health, and set an example for others to follow. This September, as World Environmental Health Day approaches, we invite you to join us in making changes that matter. Whether at home, at work, or in your community, each choice adds up to a cleaner, healthier planet. Together, we can turn small actions into lasting change.

Becoming a parent changes everything. Once a child enters your life, their safety and future become your highest priority. You prepare their meals, schedule their checkups, save for school, and teach them right from wrong. Still, one of the most important forms of protection often gets overlooked: life insurance.  Life insurance can provide vital security for your children and spouse in the event of an unexpected tragedy. It is not just about covering financial losses. It is about ensuring your loved ones have the support they need to keep moving forward. This guide explains why life insurance is essential for parents, how it supports long-term goals, and what type of policy may fit your family best.

As backpacks are packed, lunchboxes are labeled, and school bells start ringing, it’s officially back-to-school season. Whether your child is starting kindergarten or heading into their final year, this time of year is full of excitement, fresh routines, and a few new germs making their rounds. With the return to classrooms, cafeterias, and crowded hallways, it’s a great time to review some simple health and hygiene habits to help keep your family safe and well all year long.

Big changes are coming in 2026 for people who use Healthcare.gov or a state-based health insurance exchange. These updates will impact eligibility, premium assistance, and how you stay enrolled. If you rely on the Marketplace for affordable coverage, here’s what you need to know and how to prepare.

Planning for the future means more than just thinking about retirement savings or where you’d like to live in your golden years. One of the most impactful and thoughtful things you can do for the people you love is to prepare for the moment you’re no longer with them. That’s where life insurance steps in, not just as a safety net, but as a powerful tool in estate planning and ensuring your family is protected financially.

A straightforward guide to understanding the types of life insurance, how they work, and how to choose the right coverage for your needs. Life insurance is one of the most important tools available for financial planning, yet it’s often misunderstood. While it can feel complex, at its core, life insurance is simply a way to provide security and peace of mind for your loved ones. When you pass away, a life insurance policy can help your family manage final expenses, ongoing bills, or long-term goals without being financially overwhelmed. In this post, we’ll explain the different types of life insurance, how they work, and how to determine which one fits your needs.

Vision care often falls to the bottom of the priority list, especially for individuals without noticeable changes in their eyesight. However, routine eye exams are a key part of preventive healthcare—and their benefits extend well beyond correcting vision. Regular visits to an optometrist or ophthalmologist can help detect broader health issues, protect against vision loss, and contribute to your overall well-being. What Happens During a Comprehensive Eye Exam? A routine eye exam is more than just reading an eye chart. It typically includes: Visual acuity testing (how well you see at various distances) Eye muscle and alignment tests A refraction assessment to determine prescription needs Examination of the retina and optic nerve (often using dilation) Screening for eye conditions such as glaucoma, macular degeneration, or cataracts Depending on your health history, your provider may also check for signs of systemic conditions like diabetes or high blood pressure. Why Eye Exams Matter—Even with Good Vision Many eye diseases develop slowly and without symptoms. By the time vision changes occur, damage may already be significant. A comprehensive eye exam can reveal early warning signs of: Diabetic retinopathy Hypertension Glaucoma High cholesterol Neurological concerns such as increased intracranial pressure or stroke risk In some cases, an eye exam may be the first indication of an undiagnosed medical issue. How Often Should You Have an Exam? The American Optometric Association offers the following general guidance: Adults aged 18–60: Every one to two years Adults aged 61 and older: Annually Children: First eye exam at 6–12 months, then periodically as recommended Individuals with health risks (e.g., diabetes, a family history of eye disease): More frequent exams may be required Vision Insurance vs. Medical Insurance It’s important to understand that vision insurance typically covers routine eye exams and benefits for lenses, frames, or contacts. Medical insurance, on the other hand, may cover eye care only when related to a medical condition or emergency. Protecting Your Eye Health Whether you need corrective lenses or not, annual eye exams help safeguard your vision and overall health. Consider scheduling a routine exam this year—and encourage others in your family to do the same.

For young adults, aging off a parent’s health insurance plan can be a challenging transition. This life event usually happens when you turn 26, which is the age when you can no longer be covered under your parents’ plan, according to the Affordable Care Act (ACA). However, this shift doesn’t have to be a stressful one if you’re prepared and informed about your options. When Do You Age Off Your Parent’s Health Insurance? Under the ACA, young adults can remain on their parent’s health insurance plan until the age of 26. Once you reach this age, you will need to secure your own health insurance coverage. The exact date you age off your parent’s plan depends on your birthday and your parent's insurance renewal period. For many, this happens on their birthday or at the end of the month in which they turn 26. What Are Your Options After Aging Off? Once you age off your parent’s health plan, you’ll need to find new coverage. Here are some options: 1. Marketplace Insurance: You may be eligible for a plan through the healthcare marketplace. If you’re under 30, you can also consider a Catastrophic Plan, which provides low premiums but high deductibles for young, healthy individuals. 2. Employer-Sponsored Insurance: If you have a job that offers health benefits, you may be able to enroll in your employer’s plan. Open enrollment periods for employer plans may vary, so it’s important to check when you can apply. Typically, aging off a parent’s plan would create a qualifying event to enroll in the employer coverage. 3. Medicaid: If you’re on a limited income, you may qualify for Medicaid, which offers free or low-cost coverage depending on your state. 4. Parents’ Plan through COBRA: In some cases, you may be able to extend coverage under your parent’s plan via COBRA. However, this can be expensive, as you would need to pay the full premium yourself. What Should You Consider When Choosing a New Plan? • Affordability: Compare the cost of monthly premiums, deductibles, and copays. A plan that seems affordable in terms of premium costs might have high out-of-pocket expenses rendering using the plan when needed unaffordable. • Coverage: Make sure the new plan offers coverage for the services you need, such as prescriptions, preventive care, mental health services, and emergency care. All ACA plans will offer these benefits, but if you are looking at short term or some other type of plan, these basic services may be omitted. • Networks: Check if your preferred doctors and healthcare providers are included in the plan's network. Take Action Start preparing ahead of time. Don’t wait until the last minute to explore your options. If you’re aging off a parent’s plan, consider starting your search for coverage at least 60 days before you lose your existing plan. This will give you plenty of time to review different options and choose the best plan for your needs. We recommend using a qualified agent who represents multiple options to ensure you get the best product and price for your needs.

As 2025 begins, it’s time to focus on improving health and well-being. Here are some simple yet impactful resolutions to make this year healthier: 1. Prioritize Preventive Care Schedule check-ups, screenings, and vaccinations early to catch potential health concerns before they escalate. 2. Move Daily Stay active with activities you enjoy, like walking, yoga, or dancing. Aim for 30 minutes of moderate exercise most days. 3. Eat Nutrient-Rich Foods Add colorful fruits, vegetables, lean proteins, and whole grains to your diet. Small swaps, like choosing water over sugary drinks, can make a difference. 4. Care for Your Mental Health Dedicate time to reduce stress with meditation, journaling, or time in nature. Seek professional support if needed. 5. Improve Sleep Habits Commit to consistent bedtimes, relaxing routines, and minimizing screens before bed. Aim for 7-9 hours of sleep nightly. 6. Strengthen Connections Nurture relationships with friends and family through meaningful interactions. Social ties boost happiness and health. 7. Set Realistic Goals Break big goals into smaller, achievable steps and celebrate progress. 8. Stay Hydrated Drink at least 8 cups of water daily. Enhance it with a slice of lemon or cucumber for flavor. 9. Limit Screen Time Take breaks, create screen-free zones, and replace digital activities with offline ones. 10. Give Back Volunteering or helping others enhances your sense of purpose and well-being. The Bottom Line Focus on small, sustainable changes for lasting health benefits. Here’s to a happy, healthy, and fulfilling 2025

In today’s digital age, managing your health insurance has never been easier—and creating a profile on your health insurance carrier’s portal is the key to unlocking this convenience. Whether you’re new to a plan or have been with the same carrier for years, setting up an online account can save you time, reduce stress, and provide quick access to critical information. Here’s why having a portal profile is a must for every policyholder. 1. 24/7 Access to Your Plan Details Once you create a profile, you can log in anytime to view your plan’s coverage details, including deductibles, copayments, and out-of-pocket maximums. This eliminates the need to sift through paperwork or wait for customer service during business hours. 2. Easily Access ID Cards Misplaced your health insurance ID card? No worries. Most carrier portals allow you to download digital versions of your ID cards instantly. This is especially helpful during doctor visits, pharmacy runs, or when managing a family member’s care. 3. Track Your Claims and Benefits Understanding what’s been paid, what’s pending, and what you owe is essential. With a portal profile, you can monitor your claims in real time and review your Explanation of Benefits (EOB) statements without waiting for mail delivery. This transparency helps you stay on top of your healthcare finances. 4. Find In-Network Providers Looking for a doctor, specialist, or facility within your plan’s network? Carrier portals often feature search tools that allow you to locate in-network providers quickly. Staying in-network ensures you maximize your benefits and minimize out-of-pocket costs. 5. Manage Prescriptions Many portals include tools to review your prescription drug coverage, locate preferred pharmacies, and even refill medications. If your plan uses mail-order pharmacy services, you can manage and track deliveries right from your portal account. 6. Receive Important Notifications Carriers often send critical updates and reminders through their portals, such as policy changes, claims updates, or renewal notices. Creating a profile ensures you don’t miss out on timely information that could affect your coverage or healthcare decisions. 7. Save Time on Customer Support Need to update your address, change coverage details, or check on a claim? Instead of waiting on hold with customer service, you can make many changes and inquiries directly through your portal. This self-service option saves you valuable time and simplifies plan management. 8. Stay Organized Your health insurance portal acts as a central hub for all your healthcare information. From claims history to medical expenses, having everything organized in one place makes it easier to track spending and plan for future healthcare needs. Take Charge of Your Health Insurance Creating a profile in your health insurance carrier portal empowers you to take control of your healthcare experience. With easy access to your plan details, claims, ID cards, and more, you’ll save time, reduce stress, and make the most of your benefits. If you haven’t already, take a moment to register today—your future self will thank you!

Separating Fact from Fiction

Your Guide to Convenient Care

Beware of Scams

Bad Air Quality = Higher Heath Insurance Costs

What should you do?

Making informed decisions about your eye care coverage can be intimidating but is crucial, and understanding your coverage types is key. Within a medical plan, vision coverage is often bundled with general healthcare services. While this typically includes essential eye care, it's essential to recognize that additional coverage options might be necessary. Services such as floaters, vision loss, cataracts, and macular degeneration may be covered under your medical plan. Standalone vision plans offer extensive protection tailored explicitly for eye care. From routine check-ups to the procurement of glasses or contacts, these plans are designed to cater to your specific vision requirements with flexibility and customization. There are instances where opting for a standalone vision plan is an advantage, particularly when specific vision needs demand frequent updates to eyewear or contact lenses. The extended coverage and flexibility of a vision plan can prove beneficial in such scenarios. While a medical plan may encompass some vision benefits, it's imperative to assess the advantages of dual coverage.  Understanding the limitations and extent of coverage is crucial in making an informed decision regarding your eye care needs. Vision benefits integrated into a medical plan often offer essential eye care services alongside broader healthcare coverage. However, the scope of these benefits may vary, and it's essential to review your plan's summary of benefits for clarity. In many cases, the vision benefits included in a medical plan may be limited, potentially leaving gaps in comprehensive vision care coverage. Understanding the scope of your vision benefits is crucial for maintaining overall wellness and ensuring you receive optimal advantages from your insurance plan. It's essential to assess your unique vision care needs. Take time to explore available options, compare benefits and restrictions, and arrange a consultation to select the plan that best fits your requirements. For more information, please use the link below to watch a video that better breaks down this topic. https://www.youtube.com/watch?v=Jp3f_cSoP4I

Benefits of Private Life Insurance

In the ever-evolving landscape of healthcare, where costs seem to soar higher with each passing year, the quest for cost-effective solutions can feel like an uphill battle. But what if I told you that one of the most powerful tools for curbing healthcare expenses might be hiding in plain sight—in the aisles of your local grocery store? Yes, you read that right: fruits and vegetables, those colorful, nutrient-packed staples of a healthy diet, could hold the key to not only vibrant health but also lower annual healthcare costs. Let's delve into this intriguing connection. Prevention is the Best Medicine We've all heard the adage "an ounce of prevention is worth a pound of cure," and when it comes to healthcare costs, truer words were never spoken. Research consistently shows that a diet rich in fruits and vegetables can significantly reduce the risk of chronic diseases such as heart disease, stroke, diabetes, and certain types of cancer. By fortifying our bodies with the vitamins, minerals, and antioxidants found abundantly in produce, we create a formidable defense against illness—a defense that can ultimately translate to fewer doctor's visits, fewer prescriptions, and fewer medical procedures. A Pound of Produce, a Penny Saved But the benefits of fruits and vegetables extend beyond prevention; they also offer tangible savings when it comes to managing existing health conditions. Consider this: obesity-related conditions like diabetes and hypertension account for a substantial portion of healthcare spending worldwide. Yet, by maintaining a healthy weight through a diet rich in fruits and vegetables, individuals can potentially mitigate the need for costly medications, surgeries, and hospitalizations. In essence, every apple, every carrot, every leafy green consumed is not just nourishing the body but also lightening the financial burden of healthcare expenses. Putting Theory into Practice So, how can we harness the power of produce to lower our annual healthcare costs? It begins with a simple yet profound shift in mindset: viewing food not just as fuel for the body but as medicine for the soul. By prioritizing fruits and vegetables in our daily diets—whether through crunchy salads, vibrant smoothies, or hearty vegetable stews—we can take proactive steps towards better health and financial well-being. Moreover, investing in education and accessibility initiatives that promote fruit and vegetable consumption can yield dividends for entire communities. From school gardens to farmers' markets to nutrition education programs, there are myriad avenues through which we can empower individuals to make healthier choices and reap the rewards of reduced healthcare costs. A Brighter, Healthier Future In a world where healthcare expenses can sometimes feel overwhelming, the notion that something as simple as eating more fruits and vegetables could make a meaningful difference is both empowering and inspiring. So, let's embrace the abundance of nature's bounty, one delicious bite at a time, and savor the sweet taste of both health and financial savings. As we embark on this journey towards a brighter, healthier future, let's remember that the power to lower our annual healthcare costs lies not in expensive treatments or pharmaceutical interventions but in the humble fruits and vegetables that grace our tables each day. Here's to a world where good health is within reach for all, and where the path to wellness is as simple as reaching for an apple or slicing up a cucumber.

📣 Important News: 2024 Medicare Changes 🏥

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The New Law

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Short term medical insurance is health coverage designed to cover individuals for a pre-determined length of time, from 1 to 36 months.

When can I join, switch, or drop a plan?