It’s hard to believe that summer is winding down and before we know it, the craziness of Open Enrollment will begin. Here at Health Insurance Shop, we have been assisting Individuals from Fort Wayne, New Haven, Auburn, Angola, Kendallville, Ossian, Decatur, Columbia City, Huntington (and areas in between) enroll in Marketplace health insurance coverage. This upcoming Open Enrollment will be no exception!
It is our opinion that despite the renewal Marketplace policy holders will receive from their carrier – it is important to meet with us and review the plan changes and new options available for the next year. The process is fairly simple and generally runs pretty smoothly. To ensure that Individuals enrolling from Fort Wayne, Kendallville, Auburn, New Haven, Decatur and all areas in between are enrolled properly, here are a few pointers…
Income reported is HOUSEHOLD Modified Adjusted Gross Income (MAGI). This includes income from a spouse and/or working children that you claim as a tax dependent. You do have to estimate income for the year that you are applying for coverage.
The affordability test for available group health coverage is based upon the SINGLE rate (employee only). If what the employer charges for SINGLE coverage only is less than 9.86% of your MAGI, the group plan is considered affordable and no person in your household will qualify for the Advanced Premium Tax Credit (APTC).
Changes to your application can be made throughout the year. Failure to report changes in household size, household income, etc., could result in you owing the IRS for APTC that you received and should not have.
Sound confusing? It can be… Let us help take the confusion away. Give us a call now to schedule your Open Enrollment appointment for a date between November 1 and December 15th. (260) 484-7010
When the Affordable Care Act (ACA) was passed in 2013 and effective January 1, 2014, the ability to buy health insurance was reduced to one (1) annual Open Enrollment. For 2019, that Open Enrollment period will be November 1st through December 15th. If you wait until December 16th to buy a health insurance plan – you may be out of luck.
For individuals living in Fort Wayne, New Haven, Decatur, Huntington, Columbia City, Auburn, and all surrounding areas – you may qualify for a Special Enrollment Period outside of the annual Open Enrollment. How does this work?
Special Enrollment Periods are generally triggered by a life-changing event. Examples are: Loss of employer-sponsored coverage; marriage; birth of a child; moving into a new state. When these life-changing events occur, Individuals have a limited period of time to apply for coverage, and that amount of time varies depending upon the type of coverage you would be enrolling in (Group or Individual Marketplace).
Health Insurance Shop is here to help residents of Fort Wayne, New Haven, Angola, Decatur, Auburn, Kendallville, Huntington, Columbia City, and all surrounding cities and towns get enrolled in the coverage you need in order to avoid a “gap”.
Call us today if you think you qualify for Special Enrollment! Our number is: (260) 484-7010.
Did you know that an Insurance Broker is an agent, but an Insurance Agent is not always an Insurance Broker? Confused? Let me explain the difference, and why people residing in Fort Wayne, New Haven, Kendallville, Auburn, Angola, Decatur, Huntington and surrounding areas might choose one over the other.
Indiana statute requires that any person involved in the sales/solicitation of an insurance product be licensed to do so. Once licensed, we have the opportunity to decide if we want to be an Agent or a Broker. But what is the difference?
Agents are generally individuals who work exclusively for one insurance carrier. Agents generally work for that insurance carrier to sell/service only that carrier’s products.
Brokers, on the other hand, are also agents, but contract with multiple insurance carriers. Since there is no exclusivity, a Broker actually works for the client and simply represent the insurance carriers they contract with.
For those individuals buying insurance in Fort Wayne, Auburn, Angola, Decatur, Bluffton, Huntington, Kendallville, and surrounding areas in NE Indiana, here at Health Insurance Shop, we believe it is to your advantage to work with an insurance professional that works for YOU and can provide options across many carriers available in Indiana.
Health Insurance Shop is your one-stop for all of your health insurance needs. Give us a call today at (260) 484-7010 to find out what your options are.
Dental Insurance is something that most people associate with benefits offered through an employer, and many people are not aware that they can buy Dental Insurance on an individual basis.
Individual Dental Insurance options generally include coverage for routine exams and cleanings; basic services like fillings and restorations; and major services like crowns and root canals. Plans and coverage will vary by carrier, so it is important to do a thorough review before selecting your dental plan.
Here at Health Insurance Shop, we offer multiple carrier options for Dental Insurance for individuals and families residing in Fort Wayne, New Haven, Columbia City, Kendallville, Auburn, Angola, Decatur, Huntington, and all other areas in Northeast Indiana.
Life Insurance is one of those things that most people dread talking about, because no one really wants to think about life coming to an end for ourselves, family, or friends. But, the reality is that it does and it will. We simply just do not know when.
Despite the grim nature of the conversation, everyone in Fort Wayne, New Haven, Auburn, Kendallville, Angola, Decatur, and all of the little “burbs” in between, should consider having the discussion about Life Insurance sooner than later. Although many employers provide a Term Life insurance benefit for their employees – most do not provide a benefit amount that will exceed the cost for funeral and burial expenses. Too often, young families struggle to support themselves with the lose of a parent/spouse and the income that parent/spouse brought into the home because they did not prepare for the “what if”.
At Health Insurance Shop, we work with clients young and old to ensure that the livelihood of families have an opportunity to stay intact in the event that a breadwinner should pass away. With the diverse Life Insurance options that are available today, it is important to sit down with a qualified agent to determine what is best for you and your families needs. Whether it’s Term Life, Whole Life, Universal Life, or a combination of Life and Annuity options – our staff can help you with your insurance planning.
One of the most difficult challenges that life throws our way is medical emergencies. Most of the other unforeseen threats are still worth combating with a faint chance of overcoming them and we have, quite often, triumphed over these too. But when it comes to medical concerns, it often becomes extremely difficult to fight these out. Apart from the mental struggle and physical pain, it is also about the huge financial loos that is faced with. We, at Health Insurance Shop Inc., can help. We have a wide range of health insurance programs, right from the Medicare plans, group health insurance, dental and vision insurance to the individual health insurance and other short-term major medical insurance programs. We have catered to several businesses and individuals for their effective insurance programs and have developed a strong client base in areas like Angola IN, Auburn IN, Bluffton IN, Fort Wayne IN, Huntington IN, and Kendallville IN.
Here, we have enlisted a few common ways in which
hiring a company for individual health insurance can be beneficial for you.
Take a look.
Simple medicines have also become so expensive these
days that it becomes extremely difficult to pay for these with your savings.
That is why if you have an insurance coverage for this, life will become
Any sort of medical tests or surgeries are quite an
expensive matter. In order to combat with these increasing expenses, it is
always better to get these financed by your insurance rather than draining your
Next, if you have a medical insurance policy, you will
always be at peace that no matter what kind of a health emergency you are
subjected to, the health insurance has got your back. It is an additional
mental support and hope.
So, if you think we can be the right choice for you,
quickly contact us today.
Are you the proud owner of a business? You must be working hard on its further growth and expansion, thinking about newer strategies and promotional ideas. But you are forgetting one of the most important aspects of being a business owner. And that is your resources. You have been able to build this big empire because of your resources, i.e. the people working for you. You have to, at all times, take care of the employees working for you. It is their contribution along with your leadership which has translated into your great revenues. One of the interests that you must take care of when it comes to your employees is health insurance. Medications and medical procedures have become very costly over the last few years and a coverage in this regard will be a little respite for them. And this will also grant you tax benefits for your business. We, at Health Insurance Shop Inc., can be a good choice for your group health insurance, the most popular choice for employee health insurance. We are known for client-oriented approach and reasonable premium rates. So, if you are from areas such as Angola IN, Auburn IN, Bluffton IN, Fort Wayne IN, Huntington IN, or Kendallville IN, then you can resort to us without hesitation.
Here, we have enlisted a few crucial things to check
about the group health insurance. Take a look.
You will be able to retain old employees and attract
new ones only when their interests and needs with respect to their health is
covered effectively. So, you must check the coverage options and see if all the
required medical expenses are properly covered or not.
While providing group health insurance is crucial for
your tax savings, you have to also make sure it does not drain all your
business capital. So, you need to check the premium quotes in advance and know
if it is feasible for your pockets.
After checking these essentials, if you think we can
be the right choice for you, get in touch with us now.
More often than not people do not what sort of health insurance policy they need. The policies can be very confusing to understand in full. Lack of understanding can cause you to end up with a policy that doesn’t cover all your health needs. To not get stuck in this all you need is the service of a health insurance broker whose sole job is to make sure you get what you need. We, at Health Insurance Shop, offer you the expert services of our brokers. Our brokers are not only experts in the field but they are people who believe in extending a personal hand to all our customers. We build relationships with our customers by gaining their trust and respect. We have been in business in Angola IN, Auburn IN, Bluffton IN, Fort Wayne IN, Huntington IN and Kendallville IN since 1981. We believe diseases do not rest which is why we are open all year round.
Below we have put down 3
points which will tell you why you need to hire a broker before getting a
policy. Take a look.
To Get Rid of Confusion
The first point to address
is to understand the various policies that different agencies offer. A broker will
not only help you understand the different policies but will also prevent you
from being waylaid by agencies.
To Get Assistance in Picking the Correct Policy
A broker has only one job:
to get you a policy that best caters to all your health needs. It is often
difficult for us to compare the policies of different firms all by ourselves. A
health insurance broker will help you do this with ease.
A Time Saving
Way of Choosing
The headache of choosing the
correct policy is formidable. A health insurance broker will save you time and
trouble by short listing the policies that will be the best and most cost
effective for you.
If you feel you need the
expert services of a health insurance broker, look no further and call us at
Are you looking for a health insurance policy? Is your job taking up your time as a result of which you are unable to select one for yourself? Worry not, for we, at Health Insurance Shop, have the simple solution for you. All you need to do is hire the services of a health insurance agent. We are the go-to agency for health insurance in the industry. Our offices in Angola, Auburn, Bluffton, Fort Wayne and Huntington provide the best health insurance that our customers need, tailored to their requirements. Our agents take it upon themselves to assess the health conditions of our customers so that our policy is able to give them the best possible care. Not only do our expert agent’s help our customers understand the different policies but also help them pick the correct one.
Listed below are 3 points
that you must remember while hiring the services of a health insurance agent.
Dedication and Quality of Service
Be sure to pick an agent who
is dedicated to his or her job. This will ensure that you get the best in the
market. A dedicated agent will want to maintain quality in the service he or
she provides and will hence do a thorough market survey to get you the policy
most suited to your needs.
Communication Skills of the Agent
Being an agent means meeting
people and conversing with them. Your agent must be someone with whom who can
communicate properly, without any bias. Your agent must understand what you
require and this can only happen if you are able to converse.
With a Personal Touch
Just as you agent needs to
be a thorough-bred professional, he or she also needs to have a personal touch.
Only the perfect blend of the two can help you choose the correct policy for
yourself and your family.
So, if you feel you need the
assistance of a health insurance agent, contact us as soon as possible.
Do you want to protect yourself against all kinds of risks and challenges one is likely to face in life? Well, it is not always possible to do so because there are certain things in life which are beyond our control. For instance, you never know when you will be plagued with a disease or face a disorder in your body. And apart from the physical discomfort, these diseases also dig a huge hole in your pocket as the treatment procedure is extremely expensive. The only thing you can do in such a scenario is opt for the right insurance policy to cover your health expenses. A good personal health insurance can cover the medication, surgical procedures, and other expenses related to your health. We, at Health Insurance Shop Inc., can be the right choice for you. We bring you a wide range of health insurance programs which can protect you from such risks. We are committed to providing our clients with the protection they are seeking and therefore, offer a high-quality coverage at great premiums. So, if you are from areas such as Angola IN, Auburn IN, Bluffton IN, Fort Wayne IN, Huntington IN, or Kendallville IN, you can rely on us.
Here, we have put together a few ways in which you can find the right health insurance. Take a look.
Consider Multiple Options
First of all, you should make sure that you consider a number of options while choosing the right health insurance policy. Always check with multiple companies offering such policies, compare their coverage details, and then take the decision.
Check the Reviews
You should check the customer reviews and feedback of the people who have purchased the insurance policy before deciding on one. If the experience has been good and beneficial, then you can opt for this.
And if you think we can offer you the right coverage, you should contact us today.