Category: Health Insurance

Individual and Group Health Care 2018

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TN health insurance 2018

Hang in there folks, there is a light at the end of the tunnel! Forgive my analogy, but the wrinkly suit that is the Affordable Care Act (ACA) is beginning to see evidence of some pressing and dry cleaning, especially in Knoxville and surrounding areas. We have all been subject to the “ups and downs” of the past 3 ½ years of Legislation and the enactment thereof-be you on an…

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Open Enrollment…What?

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Pill and Money

Every year I have the opportunity and pleasure to re-certify for Medicare with each of our Insurance Companies servicing Medicare. For most seniors, this is time to scramble and find the best plan for their current situation and needs.  The governing body responsible for this oversight is the Center for Medicare and Medicaid Services.  CMS also determines the Open Enrollment dates for Medicare Advantage plans and now, Affordable Care Act…

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Spring Into Vegetables

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Vegetables

This winter I have been guilty of eating heavy foods, more beef and some pork.  I noticed  my belt was a little tighter and so was my shirt collar. I also noticed I was more sluggish and my energy level had dropped.  Conversely, last spring, summer and fall, I was eating mainly plant proteins(nuts, beans) and whey protein for breakfast and dinner; Every day for lunch, I was eating home…

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Are You Subsidizing Health Care Subsidy?

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Washington DC

As an insurance agent, specifically for this blog, health insurance; I am inundated with information regarding health care costs and questioned about the tax and cost implications thereof. From a statistical perspective, or in the insurance world, actuarial statistics- the increase in health care costs are directly influenced by the increase in risk.  In other words, the fact that people are no longer underwritten for health care policies for certain…

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Affordable Care Act-Not Obamacare

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Doctor Greeting Patient

I was privileged enough to watch about 15 minutes of the State of The Union address the other night.  Political affiliation, or not, I could not help but notice the dynamics of the whole room of “representatives”.   I know crowd psychology as a musician, and I understand how masses of people are moved or swayed because of an initial response to a particular agenda, idea or emotion.  This was very…

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Keep Your Loved Ones Closer

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Pills

My grandmother passed away recently and I have had time to ponder her life and the eventual circumstances that led to her(early in my opinion)passing. Ruth was a very active woman.  Whether it be her children, grandchildren, husband or the church, my grandmother never stopped and was always on the go.  She was a cook and a fantastic artisan.  In my younger days, she would bake a cake for my…

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Is Your Doctor in Your Network?

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Medical Equipment

Getting a call from a debt collector is not a phone call anyone likes to take. The presumption is that this debt is owed, therefore you must pay.  This includes doctor and hospital bills.  These debts can affect your credit score and possibly affect  your ability to buy anything on credit. Occasionally, doctors office billing departments may bill an office visit or procedure incorrectly, OR you may have gone to…

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What The Heck is a Formulary?

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pharmacy

What the heck IS a Formulary? Chances are, if you see a doctor for an existing condition, you are prescribed some type of medication(s). Pharmaceutical Companies work in-hand with Doctors to market their products(medications).  The pharmaceutical representatives market their medications to the doctors, generally via direct sales, and inform the doctors of the medications features and benefits, product use and side-effects. They will typically deliver sample medications to the doctors…

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Knoxville Health Insurance Update

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Medical Forms

Hey Knoxville, we have good news!  Open enrollment for January 1, 2014 effective dates for Affordable Care Act and Health Care Reform plans has been extended from December 15, 2013 to December 23, 2013.  So, what does this mean?  It means pre-existing conditions will be accepted on any new Health Insurance policy, beginning January 1, 2014.  If you have any questions, please feel free to contact Tim Spencer at John…

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Phone Scam

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photo credit: CileSuns92 Last week we had a client call about a voicemail they received concerning their Health Insurance Company. Although the message left said they were calling from their health insurance, the caller ID stated something different. The message gave them a phone number (also different from the caller ID) to call back with their own person identification code. Instead of calling the number, they called the number on the back of their health…

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