The spring and summer are approaching and a lot of traveling will be happening. Whether you are traveling overseas on exchange programs, project work, assignments, or leisure, having a comprehensive travel insurance plan is critical to your personal well being and peace of mind. We can help you with any traveling insurance needs. It never hurts to have the extra insurance. Contact us at 702.258.1995 to find out how you can get travel insurance.
Life Insurance is not for you. It's for those who you love most.
You may be planning to buy life insurance later in your life. But remember, you may not be able to buy it when you need it most!
Most Americans Are Missing a Las Vegas Life Insurance Safety Net. You need life insurance when the unexpected happens to pay the mortgage, debts, college and child expenses, replace lost income, and to maintain your family’s lifestyle, but most Americans put it off.
Looking at recent statistics, 30% of U.S. households have no life insurance protection, and only 44% have individual life insurance. Among households with children under 18, 7 in 10 would be in financial trouble if a primary wage-earner died today. 25 % of U.S. households rely only on group life insurance purchased through work, but this can be lost with unemployment or work hour reduction, and most are underinsured in these policies.
Contact us at 702.258.1995 to find out how you can get life insurance.
Phone Scam Prevention Tips
Over the years there has been more and more scammers. Here are a few tips and tricks to protect yourself from scams and online threats. Many scammers rely on a simple phone call to unsuspecting victims. There are many ways to protect yourself and your family from robocalls and phone scammers.
- Register all phones, including cell phones and landlines with the national Do Not Call registry. There are two options:
- Register by phone at 1(888)-328-1222. You must call from the number you are registering. You can call from both cell phones and landlines.
- Register online at donotcall.gov. You can register up to 3 numbers per time with 1 email address. You have to respond to a confirmation email for each number registered.
- Download an app to help you block robocalls. There are two options:
- Download your cell phone service provider’s call blocker app, which typically is paid for monthly.
- Download a third-party call blocker app. Install it on your cell phone.
- Most have a 7 day free trial and then a small monthly subscription fee.
- One free option is an app called “Hiya”, available in the iTunes and Android app stores. This app will show you the true caller ID for unsaved contacts to screen unwanted calls.
- If you have an iOS phone use this link: https://itunes.apple.com/us/app/hiya-caller-id-spam-blocker/id986999874
- If you have an android phone use this link: https://play.google.com/store/apps/details?id=com.webascender.callerid&hl=en_US
Be proactive with unknown calls to your number and use a service (paid or free) to reduce the number of unwanted calls and scam calls you receive on your phone.
I hope this little bit of information was helpful and useful. Protect yourself and your family from robocalls and scammers.
WORKING OWNERS & SOLE PROPRIETORS INSURANCE
Did you know that even though open enrollment is over there is a new option until Feb 28th, 2019 for individuals that are working owners and sole proprietors?
Read on to find out more, we can help get you started in one of these plans.
Through the Sole Prop membership, you now have access to the following:
- A large group Association Health Plan, specifically designed to meet the health insurance needs of local Realtors and Working Owners.
- Choice of four uniquely designed health insurance plans: One HMO, one EPO, and two HSA PPO plans.
- The EPO and HSA PPO plans include in-network access to the UnitedHealthcare Choice Plus provider network outside the state of Nevada. This is huge, as there are no individual plans available that provide in-network provider access outside of Nevada.
- Vision and dental coverage available.
- 18-month rate guarantee. The four plans and rates are locked until 7/1/20.
- Free wellness programs included in all 4 plans.
- Who can enroll: Working owners, sole proprietors and 1099 employees (and their dependents) with an active business that has been established in Clark County, NV for more than six months. These working owners/sole proprietors/1099s must work and reside in Clark County, NV.
- When can you enroll: The initial enrollment period for these plans runs through February 28th, 2019. Coverage begins the first of the month following receipt of your completed application. After this initial enrollment period, the next open enrollment period for these plans will be held June 1st, 2019 through June 30th, 2019. This open enrollment period in June 2019 will allow you to add dependents not previously enrolled, change plans, add dental/vision coverage not previously selected, etc.
Contact us at 702.258.1995 to get more information or to get enrolled.
The Basics of Selecting Group Health Insurance: Small Businesses Edition A business is only as strong as all of its employees. That is why small business owner should use these four tips when selecting appropriate group health insurance: Don’t settle for less Everyone wants to get the deal, the best “bang for their buck” or the largest discount available. When purchasing group health insurance, small business owners will want to play conservative and lean towards inexpensive plans. However, choosing any product solely on low cost may not be in the buyer’s best interest from a quality and customer service standpoint. Small business owners must take into account factors beyond price when selecting group health insurance for all of their employees. Cover all your bases Most individuals will not boast about their medical bills with joy. For this reason, a business owner must consider their employees and their needs. The type of plan and monthly premium to deductible ratio are vital components. Choosing between an HMO, PPO, or EPO can impact the savings of a company’s employees when dealing with medical expenses. Another deciding factor is the age-old debate of higher premium/lower deductible vs lower premium/higher deductible debate. Identifying the right plan can be the difference between spending minimal cash to maintain health or completely crushing a family’s monthly budget. Don’t just accept the terms and conditions, read them! Like any contract, there will be fine print and group insurance is no exception. Some insurance providers install cap limits on types of insurances they cover and some carriers will exclude specific conditions like maternity, etc. Small business owner want to ensure that all text be reviewed before finalizing the deal. Fully reviewing the overlooked details can also be of incredibly importance for a company if their employees live in various states …
I thought “robo call” season was over with the election for now! Welcome to open enrollment “robo call” season! We’ve personally received several calls and opted-in to hear what they’re offering. Be aware and cautious! We heard several “stretches of the truth,” to put it nicely. They tried selling us a plan through an “association” with a $100 fee attached, the plans didn’t comply with the Health Care Reform, had limited benefits, and when we asked to check out there website and email us details they said they didn’t have a website and wouldn’t email us quotes until we actually bought the insurance. Not a way to do business. We searched the internet for these “insurance agents” and found that they had 1000’s of complaints, multiple lawsuits, and even the Attorney General, in a handful of states, has gotten involved. Here’s how the call went down: The man on the line said he was calling from the “National Health Enrollment Center” and he wanted us to buy a short-term health plan, available from up to 37 different insurance companies for “around” $300 per month. A “Cadillac Plan” he called it, because it was “just so good.” What he was actually offering as our broker dug deeper and persistently asked questions was a bridge plan, with month-to month coverage. Our broker then asked for something in writing to overlook via email before he signed up, with an exact amount and what he was paying for. “Obamacare prohibits me from sending you anything in writing,” he stated. This is untrue. If an agent refuses to send you information or carefully go over a plan and make sure you understand exactly what you are getting, run. “Well, what about a website so I can look at it online?” The “agent” on the phone …
Need Health Insurance? Qualifying Events can Help! April and May are beautiful months for new life, butterflies, trees and flowers. However, it is not the ideal season for enrolling in health insurance. This year, November 1st is the beginning of “Open Enrollment”, a timeframe for individuals to freely shop and select a health insurance plan. Spanning over a three-month period, Open Enrollment comes along once every year with no exceptions. However, what if you’re in need of insurance now? You may be in luck as there are special circumstances, known as “qualifying life events,” that may allow you to sign up for coverage outside of Open Enrollment. Be sure to mark your calendar this year as Open Enrollment will last from November 1st to December 15th. Whether you’ve had a career change, become a parent or relocated to a new state/country, one or more of the various qualifying circumstances may apply to you. Life happens and considers these qualifying life events for gaining health coverage: Qualifying Event Definition Suggested Documentation Loss of Employer Loss of employment, due to termination, reduction in hour or coverage no longer offered – Termination letter from employer – Current and previous pay stubs supporting reduced hours – Letter from employer stating no longer paying for insurance – COCC (Certificate of Creditable Coverage) – Renewal Letter No Longer a dependent Loss of employer or individual coverage because no longer eligible for coverage Carrier letter that documents loss of coverage, i.e. – dependent age maximum reached Change in Family Status Loss of coverage due to divorce, death, etc. Copy of divorce decree, death certificate, etc. Marriage Addition of new dependent as a result of marriage Marriage License or Domestic Partner certificate Birth, Adoption or Placement of Adoption Addition of new dependent as a result …
Everything You Need to Know About Open Enrollment What is open enrollment? Open enrollment is the period during which you can freely sign up for or change health insurance plans on the Affordable Care Act marketplace. After the open enrollment period ends, you’ll have to have a qualifying event in order to sign up or change plans. What is a qualifying event? A qualifying event allows you and your family to sign up for health insurance outside of open enrollment period if you experience certain qualifying life events. These events include marriage, childbirth, and other major happenings. What are the dates for the 2019 Open Enrollment Period? For 2019 coverage, open enrollment will run from November 1, 2018, to December 15, 2018 What is changing in the HealthCare marketplace? The Affordable Care Act still remains law. That being said, actions are being taken to dismantle it. This week, the Trump Administration issued new rules that 1) allow small businesses and individuals who are self-employed to buy association health plans and 2) allow association plans to sell insurance across state lines. What does this mean? It means that more people could have access to these plans – plans that are exempt from the ACA’s key provisions such as the inclusion of the 10 essential health benefits. Ambulatory patient services (outpatient services) Emergency services Hospitalization Maternity and newborn care Mental health and substance use disorder services, including behavioral health treatment Prescription drugs Rehabilitative and habilitative services (those that help patients acquire, maintain, or improve skills necessary for daily functioning) and devices Laboratory services Preventive and wellness services and chronic disease management Pediatric services, including oral and vision care Who is eligible to enroll? Anyone can shop for plans on the marketplace. Certain families are eligible for subsidies to lower the cost of health …
We are now renting out offices at affordable rates to small businesses in the Summerlin area of Las Vegas, NV.