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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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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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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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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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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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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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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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...
Read MoreHow 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...
Read MoreWhat 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...
Read MoreWho’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...
Read MoreDo 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...
Read MoreWhy 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
Read MoreDo 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
Read MoreDo 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
Read MoreIf 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
Read MoreWhat 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
Read MoreWhat is Obamacare? The aim of Obamacare, or the Affordable Care Act, is to provide individuals and families with health insurance who otherwise would
Read MoreWhy 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
Read MoreWhy 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
Read MoreWhy 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
Read MoreWhere 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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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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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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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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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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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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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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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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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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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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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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Open Enrollment is less than two weeks away. Open Enrollment for 2016 begins on November 1, 2015-January 31, 2016
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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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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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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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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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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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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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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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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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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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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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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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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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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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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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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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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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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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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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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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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
Read MoreTim Jackson, President of The Health Insurance Specialists created a video telling you where to start when it comes to Health Insurance. Watch his vi
Read MoreOn 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..
Read MorePrivate Health Insurance has to do with purchasing your insurance coverage directly from a carrier (Humama, Select Health, Altius etc.) instead of...
Read MoreNeed 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
Read MoreLast year was a whirlwind of frustration and confusion with the health insurance marketplace. Healthcare.gov was a struggle from start to finish with
Read MoreUnder 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
Read MoreIs the ACA Unconstitutional? Steven Hotze seems to think so. Steve who runs a health service corporation in his native state of Texas filled a...
Read MoreOpen Enrollment starts on November 15th and many of our clients are concerned about what will happen to their current health insurance policy for the
Read MoreWhen 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
Read MoreHealth 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
Read MoreBefore 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...
Read MoreI 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
Read MoreWhat 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
Read MoreThe 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)...
Read MoreAn 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
Read MoreEvery 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
Read MoreThe Affordable Care Act was a legislation to change the administration of health coverage in the United States. It was designed to decrease the number
Read MoreThat’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
Read MoreAn 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...
Read MoreIf 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...
Read MoreThe 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
Read MoreRecently, my brother asked me about using the Healthcare.gov website to sign up for health insurance, which sparked a discussion about what the Market
Read More(COBRA) stands for Consolidated Omnibus Budget Reconciliation Act of 1985. It was a requirement that added health care continuation to group plans. Th
Read MoreEveryone has heard of the difficulties of the HealthCare.Gov website. The Health Insurance Specialists take pride in knowing the ends and outs of...
Read MoreObamacare 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...
Read MoreWikipedia defines a subsidy as “a form of financial or in kind support extended to an economic sector(or institution, business, or individual)...
Read MoreHealth 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...
Read MoreSo 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...
Read MoreWhat 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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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..
Read MoreWe’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...
Read MoreAre 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...
Read MoreLast week I promised you recipes for my cookies and carrot cake. So here they are: Oatmeal Chocolate Chip Cookie Bars
Read MoreI 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....
Read MoreBeing 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
Read MoreHaving 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...
Read MoreSome 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..
Read MoreAt 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...
Read MoreOpen enrollment for Individual Health Plans is coming up: November 15th through February 15th. As we are aware, every year our Health Insurance...
Read MoreWe 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...
Read MoreReduced Cost Plans If you’ve applied for individual coverage through the healthcare.gov marketplace hopefully you understand how tax subsidy’s work..
Read MoreOf course no one likes getting a ridiculously large bill from their doctor. Especially when this bill was unexpected. Here are a couple things...
Read MoreYou 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...
Read MoreThe 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..
Read MoreMy 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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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
Read MoreThis is a very crazy time for the health insurance industry. We are experiencing a lot of calls and questions regarding the Affordable Care Act.
Read MoreHere 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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We assists small groups and individuals in providing and understanding health insurance plans. We have built our business on helping property & casualty agents and financial advisers consult with their clients to have clear health care coverage for their clients.
Unlike big insurance agencies, we don't sell your information to high pressure insurance agents. Your information is just to connect with Tim.
