June 29, 2023
What is Surprise Billing?
Have you ever gotten a bill that you weren't expecting? When you get provider care from outside your network, you might receive one. Learn more here.
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Have you ever gotten a bill that you weren't expecting? When you get provider care from outside your network, you might receive one. Learn more here.
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Travel insurance comes in handy when you're out of the country for a period of time and have medical emergencies. Take the extra step to stay safe.
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Accident insurance covers costs of accidental injuries. At a low cost per month, it can be a great benefit to help you save money.
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Taking the time to meet with your health insurance agent during open enrollment will benefit you all year round. We're here to assist you!
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Telehealth allows for meeting with a healthcare provider virtually. Find how you can utilize this new resource to protect your health.
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What does Short Term insurance cover? Who qualifies for it and why would it be a better choice than other insurance?
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Being diagnosed diabetes comes with medical expenditures. Learn about a plan that makes it affordable to fit your needs.
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What kind of information is needed when applying for health insurance?
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Why would Medicaid not be a good choice of insurance? What other affordable options are there?
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A Health Share Plan is a method of “sharing” medical expenses across a group of people and is not considered “insurance” in the traditional sense.
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How did the price of healthcare get so high?
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Do you know how does your income affects your insurance premium? Learn how to estimate your Adjusted Gross Income and why it's important.
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What to Know About the Unwinding of the Medicaid Continuous Enrollment Provision
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Find out more about Open Enrollment and Special Enrollment Periods and how they can best serve you and your loved ones.
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As your child goes off to college, a lot of times, the question, “Should we buy the health insurance that they offer at the school?” comes up.
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Below are the Federal Poverty Level Guidelines (FPL) used to determine cost assistance for 2021 health coverage under ObamaCare.
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You told us your yearly household income on your application. The documents you submit to the Marketplace to confirm your income must show a yearly...
Read MoreDocuments to confirm your immigration status - Documents to confirm your U.S. citizenship
Read MoreWhat is Coinsurance? Coinsurance can be described as “your share of the costs of a health care service.”
Read MoreDeductible is the first part of your insurance that you pay out of your own pocket before health insurance kicks in.
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Here at the Health Insurance Specialists we are sincerely concerned about the health and safety of our clients.
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Why is the Marketplace asking me to send in more information? Did I do something wrong? Why didn’t the Marketplace ask for documents last year?
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What is a Qualifying Life Event? Once Open Enrollment is over, you may qualify for a Special Enrollment Period if you’ve had a qualifying life event.
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Health Insurance has many options. A lot of these plans are less than awesome. But we can help you find the plan that is awesome for you.
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Most of us have seen this coming for years. It’s unfortunate but true, health insurance premiums are increasing on average in the state of Utah by 30%
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In our industry, this happens all the time. People pay tons of money for health insurance coverage, and then come to find out that the plan they have
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Health Insurance may seem boring. It’s honestly one of the stupidest things you have to deal with.
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It’s back to school time again. While some parents may be excited to ship their children off to school, others are worried about the on sight sickness
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Sometimes, I feel like people have no clue what our company does. This is sad because our company is freaking awesome.
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We’ve all made mistakes. Big ones. Little ones.
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We are so excited to have our Suicide Prevention Pancake Breakfast tomorrow morning. At our office parking lot.
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We have some awesome news. We are now members of AGC or the Association of General Contractors.
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Here at the Health Insurance Specialists, we try very hard to make boring things interesting.
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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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Maybe you’ve heard. Maybe you haven’t. Maybe you are wondering: Did Aetna extend the payment deadline for health insurance premiums that start on Feb.
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Doctor Networks Uncovered Your key to understanding how Doctor Networks work and how to make them work for you.
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So now that Open Enrollment for 2016 has come to a close, there are probably a dozen different questions running though your mind.
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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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If I Have a Child in College Out of State, Which Insurance Carrier Would Be Best for Our Family Situation?
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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.
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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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Why would I take this route? Why wouldn’t I? (Avenue H)
Read MoreCan I Sign Up Through Avenue H as an Individual?
Read MoreWhat 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
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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...
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 MoreHow much do you cost? Is there a consultation fee?
Read MoreHow Do You Guys Make Money?
Read MoreWhat makes you guys different from anyone else I could work with?
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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Can I Expect the Same Price For My Health Insurance and Subsidy Next Year If My Income Doesn’t Change?
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Do I qualify for a subsidy? How do I know how much? What is a tax subsidy?
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How do I send in documents to the marketplace?
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What are qualifying events? How long do I have after a qualifying event to sign up for coverage?
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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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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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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 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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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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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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Open Enrollment is less than two weeks away. Open Enrollment for 2016 begins on November 1, 2015-January 31, 2016
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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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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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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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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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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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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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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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Wondering if your Health Insurance Plan is Grandfathered?
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simple answer is: Yes, your work can reimburse your...
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How do I change my insurance if I’m not happy with it? Can I do that immediately or do I have to wait until open enrollment?
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I don’t understand my bill, what do I do?
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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.
At our agency, we take your privacy seriously. Unlike big insurance agencies that sell your information to high-pressure agents, we only use it to connect with you personally. This way, we can ensure that you get a plan that's tailored specially for you.
