Healthy Perspectives: Health Insurance Blog

Trying to work through the complexities of health insurance by yourself can be quite daunting. Working with a health insurance broker can remove the confusion and simplify the process, removing a lot of stress and uncertainty from your shoulders. A benefits broker is an independent adviser who does not administer health insurance plans themselves. Brokers (or agents) provide advice about which health insurance plan will fit your specific needs. If you buy a plan through a broker or directly from the insurance company, the rate will remain the same. What are the Different Roles when Talking about Health Insurance? When …

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Finding the right insurance that works for your individual needs can be confusing and time-consuming. Insurance companies will all have their best sales pitch at the ready to entice you in. It can be useful to consult an insurance benefits broker to determine exactly what you need to navigate the process. No one health insurance plan fits all, and it’s vital that you end up with a relevant, effective, and suitable plan for you. When looking to buy insurance, there are several things to consider, starting with when you can sign up for the insurance. Open Enrollment – Individual and …

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If you have decided to find an agent to help you with your insurance, it’s essential to find one you feel comfortable working with. The best place to start is by asking questions. Some key questions to help you find the right health insurance agent and plan for you are: What Does a Health Insurance Agent Do? Although you may already be clear about an agent’s role, it’s an excellent question to ask. The agent can explain exactly what their role involves, how they can help you, and the ongoing support they provide. Being clear about what a benefit broker …

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When you choose a broker, you are selecting an expert health insurance guide. To assess whether a specific health insurance broker is the right fit for your needs, you should consider: Cost: Brokers in most cases do not charge you and receive their compensation from the insurance company. Your health benefits broker should be able to provide you with all the support and resources you need at no extra cost. Brokers cannot charge you more for insurance plans as the price of health insurance is set by the state’s Division of Insurance. Convenience:  A broker is there to assist you …

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The Affordable Care Act (ACA), sometimes called Obamacare, requires that every Coloradan carries health insurance or has minimum essential coverage. However, the current penalty for not having health insurance is zero. And while you must indicate your health coverage status on your tax return, you still won’t have to pay anything for not having coverage. Various states across the U.S. have different rules regarding health insurance. Some have even passed exclusive laws regarding health plans, but fortunately, Colorado has none. If you’re interested in health coverage, experts from DesignTM Health have prepared an in-depth guide detailing the available options. Read …

Does Colorado Mandate Residents to Carry Health Insurance? Read More »

Starting a business can be a long and tedious process. However, finding the right insurance coverage for your organization makes the process even more challenging. As a business owner, providing health insurance for your employees is a brilliant way to attract and retain the best talents. Insurance health benefits for employees also help boost their morale, shape positive company culture, and increase productivity. When seeking health insurance for your business, you need to consult with a professional insurance expert to advise you on the best coverage. At DesignTM Health, we have been assisting our clients in finding the most suitable …

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