ACA Marketplace Application Process

By on March 15 2014 | Heathcare Reform, Individual Insurance | Leave a comment

The ACA (Afordable Care Act) health insurance is all over the media as are the ads for When individuals and family’s are looking for health insurance,  you can get information from many sites on-line. The government site has good information but you can only get a plan here if you are eligible for a subsidy […]

How to Access the “Marketplace” for Health Insurance

By on October 21 2013 | Heathcare Reform | Leave a comment

You might be interested in a story I  heard on NPR radio about “the relevance of insurance brokers” and the new marketplace. Also, on a related note, you may also want to check out following link “for profit online brokers gear up to sell ObamaCare“. We think it is really important to have a real agent or broker […]

Diabetes and Diabesity | What We Can Do About Them

By on July 17 2013 | Individual Insurance | Leave a comment

Diabetes  or Diabetes Melitus, which is the full name of the disease that people have some chance to control by how they live and eat.  There are three major types of diabetes melitus (DM). Type I DM  This is the type where you body does not make insulin and so the person has to take […]

Health Zone, a New Section in the Houston Chronicle

By on October 30 2012 | Health Insurance, Individual Insurance | 1 Comment

The Houston, Texas newspaper, The Chronicle has a new section on Sundays, devoted to health news.  On line it is Healthzone. This should be a resource, for health news, for people living in the Houston area. I found the new section as “section K” in my morning paper a couple  Sundays ago. Here is a […]

Health Insurance Deductibles

By on September 22 2011 | Health Insurance Glossary | Leave a comment

The deductible in a health Insurance policy is a defined dollar amount during the benefit period – usually a year – that the insured person pays before the insurance company starts to make payments for covered medical services. Plans may have both per individual and family deductibles. Some plans may have separate deductibles for specific […]

BMI & Personal Weight

By on July 28 2011 | Health Insurance Glossary | Leave a comment

What is BMI (Body Mass Index)? How is it calculated and what use is it to me and Insurance companies? BMI is a number based on a person’s weight and height that provides a way to estimate the effect of weight on health. The higher the BMI, the greater the risk of diseases such as […]

Agent – Broker | Glossary of Insurance Terms

By on July 19 2011 | Health Insurance Glossary | Leave a comment

I am picking up on my Glossary of term topic and am going to the beginning of the alphabet for this. I will talk of the title of Insurance Agent and Broker. An agent – a licensed individual who represents several insurance companies and sells their products. There are also agents that sell for and […]

Health Insurance Small Business Tax Credit

By on December 16 2010 | Heathcare Reform | Leave a comment

The Small Business Tax Credit from the Health Care Reform Bill was signed into law on 3/23/2010. So how does the small employer health care tax credit work?  As with most tax issues there is no short answer.  In this post  I will provide information and resources to help you and your tax professional navigate […]

Deductibles | Co-Pays | Out of Pocket Maximums

By on December 14 2010 | Health Insurance | Leave a comment

Most people look at health insurance first by the deductible on the plan. For example, my plan has a $1,000 deductible. But what does this really mean and is there more to this? In short this is a good starting place for a PPO or even a new HSA type plan, but there is a […]

Health Insurance Terms | Deductible

By on July 1 2010 | Health Insurance Glossary | Leave a comment

On a regular basis I will work to define terms and concepts used in the field of Insurance that could be of help to people trying to provide risk protection. By risk protection for people, I am speaking of Health, Life, Disability and other coverage of insurance. I will start with the basic terms needed […]

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