Health Insurance Blog

Health Insurance

Heart Shaped Caramel Apple Cinnamon Rolls–with a dairy free option
February 12, 2016

Heart Shaped Caramel Apple Cinnamon Rolls–with a dairy free option

So basically I love my bread machine. A lot. But I had to figure out how to use it right. Whenever I made bread, it would turn out dry and crumbly.

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Question # 1 If I have a child in college out of state, which insurance carrier is best?
December 26, 2015

Question # 1 If I have a child in college out of state, which insurance carrier is best?

If I Have a Child in College Out of State, Which Insurance Carrier Would Be Best for Our Family Situation? Arches has a plus plan. This plan...

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Question # 3 Is one health insurance carrier better than another?
December 24, 2015

Question # 3 Is one health insurance carrier better than another?

Is one health insurance carrier better than another? Whether one carrier is better than another all depends on what your looking for in your...

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Question # 4 Do I want Select Health?
December 22, 2015

Question # 4 Do I want Select Health?

Do I want Select Health? That depends on what network of doctors and facilities you have. In the state of Utah we definitely have a dominant...

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Question # 5 Why would I take the Avenue H Route?
December 21, 2015

Question # 5 Why would I take the Avenue H Route?

Why would I take this route? Why wouldn’t I? (Avenue H) As an employer if you want to be able to provide your employee’s multiple options to choose...

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Question # 16 Can I talk to Tim?
December 4, 2015

Question # 16 Can I talk to Tim?

Tim Jackson is really a nice guy. It makes since that you would want to talk to him. We put this question in our forum some what as a joke but...

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Question # 7 What is Avenue H?
December 17, 2015

Question # 7 What is Avenue H?

What is Avenue H? Avenue H is an online health insurance marketplace for small business’s in Utah. With Avenue H the employee can pick...

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Question # 9 How long have you been around?
December 15, 2015

Question # 9 How long have you been around?

How long have you been around? Tim Jackson has been selling health insurance for about 10 years. When the Affordable Care Act came around, a lot...

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Question # 11 What are your business hours?
December 11, 2015

Question # 11 What are your business hours?

What Are Your Office Hours? When Are You Open? Our Office Hours are Monday thru Friday 9 AM to 5 PM. This is the best time to call us or stop by...

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Question # 12 Who’s Patrick?
December 10, 2015

Question # 12 Who’s Patrick?

Who’s Patrick? Hey! That’s me. I’m Patrick and here at HIS I am a Broker. That means I help families and small businesses navigate through the...

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Question # 13 Do you speak Spanish?
December 9, 2015

Question # 13 Do you speak Spanish?

Do you speak Spanish? We do! If you prefer to speak Spanish, we’ll make sure to set up an appointment for you to speak with one of our Spanish...

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Question # 15 Why do I need to use you as a middleman?
December 7, 2015

Question # 15 Why do I need to use you as a middleman?

Why do I need you as a middle man? Getting health insurance can be a complicated process. Going through the healthcare.gov application can be confus

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Question # 19 Do I need to come to your office or can we just talk over the phone?
December 1, 2015

Question # 19 Do I need to come to your office or can we just talk over the phone?

Do I Need to Come to the Office, Or, Can We Just Talk Over the Phone? Whether or not you come into the office or speak with an agent over the phone is

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Question #29 Do you provide HSA cards?
November 17, 2015

Question #29 Do you provide HSA cards?

Do you provide HSA cards or where should I go to get one? What happens if I use my HSA card for the wrong purchase? What if my HSA Card gets lost or s

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Question # 31 If I have a child serving an LDS church mission, do I still add them on my application?
November 13, 2015

Question # 31 If I have a child serving an LDS church mission, do I still add them on my application?

If I Have a Child Serving a Mission, Do I Still Add Them on My Application? You don’t have to, but it’s strongly recommended. The church has secondary

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Question # 32 What if I don’t get coverage?
November 12, 2015

Question # 32 What if I don’t get coverage?

What if I don’t get coverage? What will my penalty be? When will I have to pay that? If you go more than 60 days out of the year without health insu

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Question #33 What is Obamacare?
November 11, 2015

Question #33 What is Obamacare?

What is Obamacare? The aim of Obamacare, or the Affordable Care Act, is to provide individuals and families with health insurance who otherwise would

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Question # 35 Why do I have to verify my citizenship?
November 9, 2015

Question # 35 Why do I have to verify my citizenship?

Why do I have to verify my citizenship? When you apply for insurance through the health insurance marketplace you may receive a letter from them askin

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Question # 36 Why can’t healthcare.gov backdate my policy?
November 6, 2015

Question # 36 Why can’t healthcare.gov backdate my policy?

Why can’t healthcare.gov back date my policy? Only your carrier and not healthcare.gov can backdate your policy. You can submit your request and your

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Question # 38 Why do I have to verify my income?
November 4, 2015

Question # 38 Why do I have to verify my income?

Why Do I Have to Verify My Income? When you submit your application on healthcare.gov, it will ask you to submit documents to verify your income. This

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Question # 39 Where do I go to create a healthcare.gov account?
November 3, 2015

Question # 39 Where do I go to create a healthcare.gov account?

Where do I go to create a healthcare.gov account? To create at healthcare.gov account go to www.healthcare.gov then click on “Log in” on the top rig

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Question # 40 I hate Obama, why would I choose his health insurance program?
November 2, 2015

Question # 40 I hate Obama, why would I choose his health insurance program?

I hate Obama, why would I choose his insurance? Do I need to go through Obamacare? Even if you hate Obama, understand that Obamacare is simply a nick

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Question # 45 I thought Obamacare was supposed to lower my health insurance cost. Why didn’t it work for me?
October 26, 2015

Question # 45 I thought Obamacare was supposed to lower my health insurance cost. Why didn’t it work for me?

I thought Obamacare was suppose to lower my health insurance cost? Why didn’t it work for me? Remember when you were in grade school and your teacher

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Question #46 Why does the Marketplace Suck?
October 25, 2015

Question #46 Why does the Marketplace Suck?

Why does the marketplace suck? Could the marketplace get any worse? There are plenty of ways to answer the first part to this question, but to answer

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Question # 49 What day do I have to sign up?
October 25, 2015

Question # 49 What day do I have to sign up?

What day do I have to sign up for Health Insurance to get a 1st of the month effective date? This depends on your situation. If you are a consumer t

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Question #48 What if my income goes up after I qualify for a subsidy?
October 24, 2015

Question #48 What if my income goes up after I qualify for a subsidy?

What if My Income Goes Up After I Qualify for a Subsidy? And What Do I Need to Do to Get My Subsidy Back? If your income goes up during the year but y

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Question # 50 Why is there Open Enrollment?
October 24, 2015

Question # 50 Why is there Open Enrollment?

Now that health insurance has changed with the Affordable Care Act and Obamacare, one thing that has drastically changed is that you cannot purchase h

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Question # 57 What is happening with the medicaid expansion?
October 21, 2015

Question # 57 What is happening with the medicaid expansion?

What is happening with medicaid expansion? WHO KNOWS?! This is a big deal in Utah that keeps getting pushed to the back of the line. Next week House a

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Question # 56 What is the difference between Medicare and Medicaid?
October 21, 2015

Question # 56 What is the difference between Medicare and Medicaid?

People often ask us the question what is the difference between Medicaid and Medicare? So instead of going through a lot of detail of when the plan w

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Question #55 What is CHIP?
October 21, 2015

Question #55 What is CHIP?

What is CHIP? CHIP stands for Children’s Health Insurance Program. CHIP provides Low-Cost Insurance for Children. This Health Insurance Program covers

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Question # 54 How do I apply for Medicaid?
October 20, 2015

Question # 54 How do I apply for Medicaid?

How do I apply for Medicaid? You can apply for Medicaid either by going directly to your Medicaid agency or you can fill out a Marketplace applicatio

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Question # 52 When is Open Enrollment?
October 20, 2015

Question # 52 When is Open Enrollment?

Open Enrollment is less than two weeks away. Open Enrollment for 2016 begins on November 1, 2015-January 31, 2016

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Question # 59 Does my health insurance plan include dental and vision?
October 20, 2015

Question # 59 Does my health insurance plan include dental and vision?

Most of the time, Dental and Vision Insurance come separately from your health insurance plan. Although you can enroll in a plan that includes these

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Question # 60 When does my Health Insurance Coverage Renew?
October 19, 2015

Question # 60 When does my Health Insurance Coverage Renew?

When does my coverage renew? Am I locked into a year contract? Why does my premium go up every year? Coverage renews at the beginning of the year, Ja

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Question #61 Do I need to change insurance plans if I move for the Summer?
October 16, 2015

Question #61 Do I need to change insurance plans if I move for the Summer?

Sometimes during the summer or during the year, people move, and it might be from across town or to a new city or possibly to a new state.

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Question # 62 If I move, am I still covered by my Health Insurance Plan?
October 15, 2015

Question # 62 If I move, am I still covered by my Health Insurance Plan?

If I move am I still covered by my health insurance plan? Yes, you will remain covered if you move, however you may want to review your coverage. Most

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Question # 63 What kind of health care is covered by my health insurance?
October 15, 2015

Question # 63 What kind of health care is covered by my health insurance?

What Different Types of Health Care Are There? And What kind of health care is covered by your plan? There are several different types of health car

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Question # 64 How do I pick a health insurance plan?
October 14, 2015

Question # 64 How do I pick a health insurance plan?

How do I know what plan is best for me? Choosing the plan that is best for you can be hard. There are different factors to look at such as: High or

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Question # 65 Am I covered out of the country?
October 14, 2015

Question # 65 Am I covered out of the country?

Am I covered out of the country? Most individual and group plans (insurance through the company you work for) do not offer benefits out of the country

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Question #66 What is an Agent of Record “AOR” and why do I need to sign one?
October 13, 2015

Question #66 What is an Agent of Record “AOR” and why do I need to sign one?

Occasionally, we ask our clients to sign a letter that states their name and their policy number and that they would like us to be their “Agent of Rec

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Question # 67 My doctor overcharged me. Who should I call to have this fixed?
October 13, 2015

Question # 67 My doctor overcharged me. Who should I call to have this fixed?

When it comes to Health Insurance Claims, and doctor’s visits, it’s very common to have a mistake in your billing. I don’t think I can count how many

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Question # 68 Why did my Health Insurance Premium go up? I didn’t change plans.
October 12, 2015

Question # 68 Why did my Health Insurance Premium go up? I didn’t change plans.

Why did my Health Insurance Premium go up? I didn’t change plans. Every year health insurance premiums automatically go up in price. Every.

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Question # 69 What happens if I pay my premium late?
October 9, 2015

Question # 69 What happens if I pay my premium late?

What happens if I pay my premium late? Can I reinstate my plan if I forgot to pay last month but I still want insurance? Do I get a special en

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Question # 70 How do I set up automatic payments for my Health Insurance Bill?
October 9, 2015

Question # 70 How do I set up automatic payments for my Health Insurance Bill?

Can I set up automatic payments for my Health Insurance premium? Can I Set Up Automatic Withdrawal to Pay My Insurance Bill? Once your first month’s p

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Question # 73 What is a short term policy?
October 7, 2015

Question # 73 What is a short term policy?

Occasionally, we help clients find short-term policies. What a short-term policy is, is a plan that literally has a short term. The maximum amount o

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Question # 75 What is covered under preventative care?
October 7, 2015

Question # 75 What is covered under preventative care?

Preventative Care is a medical treatment, procedure or doctor’s visit that you receive to prevent yourself from undergoing a serious illness or to cat

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Question #76 What is an Out of Pocket Max?
October 2, 2015

Question #76 What is an Out of Pocket Max?

What is the out of pocket max? What happens when I reach the max? Do I have to do anything?An out of pocket max is the most amount of money you will h

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Question #95 Can I go to any doctor?
August 17, 2015

Question #95 Can I go to any doctor?

Here is a 3 in 1 combo question for today: Can I go to any doctor? How do I find out if my doctor is on my plan? Is there any out of network coverage

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Question #96 How long do I have to sign up after I lose coverage?
August 17, 2015

Question #96 How long do I have to sign up after I lose coverage?

Some of you might be wondering how long you have to sign up for insurance after you lose coverage? That’s a great question and a very important one...

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Question #97 What if I’m Offered a Group Plan? Do I Have to Cancel My Coverage?
August 14, 2015

Question #97 What if I’m Offered a Group Plan? Do I Have to Cancel My Coverage?

Here is our 4th Question in our Top 100 Questions about Health Insurance. “What if I’m Offered a Group Plan? Do I Have to Cancel My Coverage?” The sim

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Question #98 How do I cancel my policy?
August 14, 2015

Question #98 How do I cancel my policy?

Cancelling your health insurance policy can be a bit of a hassle… But here are some tips to help you get started. As always, we are happy to help wh

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Question #99 Why Does Health Insurance Cost So much?
August 11, 2015

Question #99 Why Does Health Insurance Cost So much?

Why does insurance cost so much? As a health insurance broker this is a question I hear multiple times a day. The simple answer believe it or not is

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Question #100 Where do I start when it comes to Health Insurance?
August 8, 2015

Question #100 Where do I start when it comes to Health Insurance?

Tim Jackson, President of The Health Insurance Specialists created a video telling you where to start when it comes to Health Insurance. Watch his vi

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Three Things Obamacare Did Not Fix
April 1, 2015

Three Things Obamacare Did Not Fix

On March 23rd, 2010, Congress passed the Affordable Care Act in hopes of fixing our health insurance and health care problem. Well, it’s no surprise..

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The 3 Top Reasons You Need to Look Into Private Health Insurance
March 12, 2015

The 3 Top Reasons You Need to Look Into Private Health Insurance

Private Health Insurance has to do with purchasing your insurance coverage directly from a carrier (Humama, Select Health, Altius etc.) instead of...

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The End of Open Enrollment
February 13, 2015

The End of Open Enrollment

Need Health Insurance? Use a Specialist. The End Is Near. Have you signed up for 2015 health insurance yet? Well if you haven’t you won’t be able to

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Patrick’s Thoughts on Open Enrollment
January 7, 2015

Patrick’s Thoughts on Open Enrollment

Last year was a whirlwind of frustration and confusion with the health insurance marketplace. Healthcare.gov was a struggle from start to finish with

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Breast Pump Coverage Issues
November 13, 2014

Breast Pump Coverage Issues

Under the Affordable Care Act, health plans are required to cover the cost of breast pumps for women who need them for medical reasons or because they

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Is the ACA Unconstitutional?
November 11, 2014

Is the ACA Unconstitutional?

Is the ACA Unconstitutional? Steven Hotze seems to think so. Steve who runs a health service corporation in his native state of Texas filled a...

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You can view Arches Plans NOW!!
November 10, 2014

You can view Arches Plans NOW!!

Open Enrollment starts on November 15th and many of our clients are concerned about what will happen to their current health insurance policy for the

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What is a Tier?
November 6, 2014

What is a Tier?

When looking for a plan through the health insurance marketplace you will notice the plans fall not only into categories of providers but of “tiers” a

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The Affordable Care Act Raises Premium Rates.
November 5, 2014

The Affordable Care Act Raises Premium Rates.

Health insurance premiums both before the Affordable Care Act was put into place and afterwards were compared in a recent study. It was found that th

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What The Affordable Care Act Means For Women
December 3, 2014

What The Affordable Care Act Means For Women

Before the ACA was passed being a women was considered a preexisting condition. Before the law was signed women paid 68% more for out-of-pocket...

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My Simple Wish
October 30, 2014

My Simple Wish

I can’t wait for open enrollment. This year open enrollment is more than the thrill of helping consumers with their health insurance needs or finding

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Qualifying Events
October 29, 2014

Qualifying Events

What do you do if you need coverage outside of open enrollment? There are some qualifying events that could make it possible for you to get insurance

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Your Children’s Future Benefits
October 24, 2014

Your Children’s Future Benefits

The Affordable Care Act is now in full swing as we wrap up our first year of new regulations. A hot topic has been the decline (and future decline)...

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What is an Insurance Carrier?
October 21, 2014

What is an Insurance Carrier?

An insurance carrier is not the same as an insurance agent. An insurance carrier is the company which holds your insurance policy. It is the company

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What do I need to know about renewing a policy?
October 17, 2014

What do I need to know about renewing a policy?

Every year your health insurance policy will renew. You have the option to keep it or start shopping around for a new one. Generally your policy will

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What is the FFM?
October 16, 2014

What is the FFM?

The Affordable Care Act was a legislation to change the administration of health coverage in the United States. It was designed to decrease the number

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One Month Until Open Enrollment
October 15, 2014

One Month Until Open Enrollment

That’s right. Open Enrollment begins exactly ONE MONTH from today (November 15, 2014). We know, we know, you can finally pick a plan now, or look in

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More info about an AOR
October 14, 2014

More info about an AOR

An AOR stands for Agent of Record. The Agent of Record is a document that insurance brokers and agents ask their clients to sign to make sure that...

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How do I find out if my doctor is in network with my insurance carrier?
October 13, 2014

How do I find out if my doctor is in network with my insurance carrier?

If you have a doctor and you want to make sure that your insurance carrier covers that doctor, you can go onto the carriers’ website. You will see...

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What is an AOR?
October 10, 2014

What is an AOR?

The acronym AOR stands for agent of record. It is a document an agent would have a potential client sign to give the agent access to his or her health

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Who can sign up through The Marketplace?
October 9, 2014

Who can sign up through The Marketplace?

Recently, my brother asked me about using the Healthcare.gov website to sign up for health insurance, which sparked a discussion about what the Market

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What is COBRA?
October 7, 2014

What is COBRA?

(COBRA) stands for Consolidated Omnibus Budget Reconciliation Act of 1985. It was a requirement that added health care continuation to group plans. Th

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What Do I Need to Do to Fill Out My ACA Application?
October 6, 2014

What Do I Need to Do to Fill Out My ACA Application?

Everyone has heard of the difficulties of the HealthCare.Gov website. The Health Insurance Specialists take pride in knowing the ends and outs of...

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What happens when I should have been on Medicaid?
October 1, 2014

What happens when I should have been on Medicaid?

Obamacare is so new and we always get the question what happens if… Today I want to address what happens if when I signed up for my health...

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What is a Tax Subsidy?
September 29, 2014

What is a Tax Subsidy?

Wikipedia defines a subsidy as “a form of financial or in kind support extended to an economic sector(or institution, business, or individual)...

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When should I schedule an appointment to talk with The Health Insurance Specialists?
September 25, 2014

When should I schedule an appointment to talk with The Health Insurance Specialists?

Health Insurance can be frustrating and confusing, but here at the Health Insurance Specialists, we know all the in’s and out’s and how to find the...

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Medicaid: What is it, and is it worth it?
September 25, 2014

Medicaid: What is it, and is it worth it?

So the question comes up as we’re working with people in the marketplace if they should take Medicaid or take a plan on the marketplace. With some...

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What is CHIP?
September 22, 2014

What is CHIP?

What is CHIP? CHIP is an acronym for Children’s Health Insurance program, what is a state run health insurance plan for children. Similar to medicaid

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Federal Poverty Limit, Do you qualify?
September 17, 2014

Federal Poverty Limit, Do you qualify?

If you’ve called our office before, you have probably heard of the Federal Poverty Line. But what the heck is that? And how do I know what I would..

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A Healthy Mindset
September 9, 2014

A Healthy Mindset

We’ve been talking a lot about wellness the last few weeks. This is a topic that is always on my mind. Whether it’s when I look in the mirror and...

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Supplements
August 28, 2014

Supplements

Are They Really Necessary? When you get into the health and fitness world, it seems that every time you turn around, there’s a new company trying...

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Just a Spoonful of Sugar
August 25, 2014

Just a Spoonful of Sugar

Last week I promised you recipes for my cookies and carrot cake. So here they are: Oatmeal Chocolate Chip Cookie Bars

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I Don’t want to look like Arnold
August 20, 2014

I Don’t want to look like Arnold

I don’t want to look like Arnold This is a thing that comes up a lot of times when we talk to people about the importance of lifting weights....

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Making time to stay in shape.
August 16, 2014

Making time to stay in shape.

Being a part of the working class means staying busy to keep up with the rest of the world. Having a full time job, trying to build your career, means

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What is gluten?
August 15, 2014

What is gluten?

Having to be gluten free is becoming more common and therefore more people are aware of it. Even though people may have heard about it they may not...

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The Pro’s and Con’s of being on a Gluten Free Diet
August 29, 2014

The Pro’s and Con’s of being on a Gluten Free Diet

Some people have to be on a gluten free diet because of having celiac’s or gluten intolerance. Some people go on a gluten free diet for other health..

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Less Doctor Visits, Less Stress, Less Health Insurance = Cheaper Premium
August 29, 2014

Less Doctor Visits, Less Stress, Less Health Insurance = Cheaper Premium

At the health insurance specialists, we are freaks. We all take our health very seriously. For the most part we all have work out routines and...

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Individual Health Insurance Rates for 2015
August 28, 2014

Individual Health Insurance Rates for 2015

Open enrollment for Individual Health Plans is coming up: November 15th through February 15th. As we are aware, every year our Health Insurance...

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Adding healthy food to your diet
August 11, 2014

Adding healthy food to your diet

We are beginning a 3 week wellness series with tips we’ve found to stay fit and happy, and therefore avoid unnecessary trips to the doctor running...

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I’ve heard the term ‘Reduced Cost Plan’ with the Affordable Care Act. What does that mean?
July 8, 2014

I’ve heard the term ‘Reduced Cost Plan’ with the Affordable Care Act. What does that mean?

Reduced Cost Plans If you’ve applied for individual coverage through the healthcare.gov marketplace hopefully you understand how tax subsidy’s work..

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Is My Doctor in My Health Insurance Network?
July 7, 2014

Is My Doctor in My Health Insurance Network?

Of course no one likes getting a ridiculously large bill from their doctor. Especially when this bill was unexpected. Here are a couple things...

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When Does My Health Insurance Start?
June 26, 2014

When Does My Health Insurance Start?

You need to have your application completed by the 15th to have a plan start on the 1st of the next month. Remember outside of open enrollment you...

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Did You Miss Open Enrollment? What’s a Qualifying Event?
June 25, 2014

Did You Miss Open Enrollment? What’s a Qualifying Event?

The Affordable Care Act was passed to decrease the number of uninsured persons in the United States. In an effort to create a sense of urgency among..

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My Favorite Part about the Affordable Care Act – a Maternity Perspective
June 24, 2014

My Favorite Part about the Affordable Care Act – a Maternity Perspective

My husband and I decided to have a baby about 9 months ago. We couldn’t be more excited as our due date approaches. Of course this can be a huge...

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What is the Marketplace and should I send them the requested Documents?
June 23, 2014

What is the Marketplace and should I send them the requested Documents?

You may have received a letter from The Marketplace… Many of our clients have asked about who the Marketplace is and if they should send in important

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My Email Agreement
April 4, 2014

My Email Agreement

This is a very crazy time for the health insurance industry. We are experiencing a lot of calls and questions regarding the Affordable Care Act.

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Healthcare.gov Affordable Care Act Instructions
December 4, 2013

Healthcare.gov Affordable Care Act Instructions

Here are some instructions on signing up with the Affordable Care Act: 1. Go to www.healthcare.gov 2. Click on the “log in” button and create an...

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