Ryan Kennelly
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What is a waiting period for dental insurance?
A waiting period is a set amount of time you must wait before some of your dental coverage is effective. If you’re shopping for dental insurance, you’ve probably noticed that some dental insura...
Why do some dental insurance plans have no waiting periods?
If you need dental coverage benefits right away, look for dental insurance with no waiting periods like DHMO plans. Dental insurance can help you be prepared for any dental emergencies that arise...
Group Health Insurance Coverage Basics
Buying insurance for your small business (group coverage) has different rules than buying just for yourself or your family (individual coverage). Below, we outline the basics behind group coverage....
Will HealthCare.gov automatically update premium tax credits on behalf of current enrollees?
If existing ACA marketplace policyholders don’t take any action, they’ll still receive the additional benefit as part of their premium tax credit when filing their federal income tax return next ye...
When will the 2021 Biden extra tax credits be available on HealthCare.gov?
Increased premium tax credits based on the lower income contribution percentage along with expanding tax credit access to consumers with household incomes above 400%, are available through a certif...
I’m unhappy with my Medicare Advantage Plan. Can I change it?
Yes you can, if you’re unhappy with your Medicare Advantage or Part C plan you can change during the Open Enrollment period from January 1st – March 31st each year. If you decide to switch Medicare...
Health Insurance for K-1 Visa. F-1 Visa, B1B2 Visa, J-1 Visa, and other nonimmigrant visitors visas
Having a Health Insurance while traveling is more important than ever. Especially when travelling to countries like USA, UK, and Canada where the cost of healthcare services is expensive and in m...
2021 American Rescue Plan Lowers Obamacare Premiums Immediately
For this year and next, the stimulus bill boosts subsidies for nearly all those buying their own coverage, making insurance free for more people and giving higher-income people discounts for the fi...
What is the Difference Between Composite Rates vs Age-Rated Rates?
Insurance companies have two methods for determining premiums: Age-rated rating and composite rating. In Age-rated rating, premiums are based on each member's individual risk level that include fac...
Medicare SEP for Moving: What You Need to Know
If you’re a Medicare beneficiary who’s recently moved, your coverage could be impacted. Fortunately, there is a Special Election Period (SEP) that addresses moving. So you can feel free to move abo...