How to find an independent insurance agent. It's now always what you think!

How to Find a Good, Independent Insurance Agent

You might think that working with an experienced, independent agent is your best option when shopping for insurance.  Whether it’s life insurance or Medicare insurance, an independent agent should shop the market for you and help you find the best coverage.  However, there are some important items to consider when looking for an independent health, Medicare or life insurance agent.

Incentives to Place Business with Certain Carriers

It’s not surprising that insurance companies provide agents with incentive for selling their products.  

Best Dental and Vision Insurance Plan We Have Found

Best Dental and Vision Insurance Plan We Have Found

This article is intended for people who do not have access to an employer-sponsored (or group) plan. We offer group dental plans, but this article is geared towards individuals and families who need to purchase their own coverage.

I’m always on the lookout for the best plans available. Occasionally, I see a new plan marketed with “great benefits” or “no waiting periods for major dental work

Individual Health Insurance in Georgia 2017 - Blue Cross Blue Shield and Other Carriers

Health Insurance in 2017 – Blue Cross Blue Shield and Other Carriers

I’m writing this post in late August 2016.  By now, most people are aware of the big news – that Aetna decided to pull out of 11 states in 2017.  Some experts are saying this is the unraveling of Obamacare.  Regardless of the what the future holds, we now have a much different and more challenging health insurance landscape.

Aetna currently offers plans off the Exchange in Georgia.  They also offer plans through their subsidiary –

Clark Howard’s Misleading Commentary On The Health Insurance Marketplace

Clark Howard's Misleading Commentary On The Health Insurance Marketplace

I was listening to the radio today and I heard Clark Howard opine about what’s going on in the personal health insurance market. He was responding to the big news about Aetna and how they decided to withdraw from most of the states where they participate in the Marketplace. He went on to explain the reason why this is happening and I was surprised to hear some half-truths. Clark is usually better informed on issues like this.

Medicare Advantage Provider Networks


For most people accustomed to group or personal plans in the “under age 65” market, dealing with provider networks is an ongoing concern.  PPO or POS or HMO?  This concern is no different for those shopping for a Medicare Advantage plan.  These plans are “network driven”.

For people who do not want to worry about provider network restrictions (and don’t mind paying more premium dollars), then a Medicare Supplement (Medigap) plan is the preferable choice. 

Accident Insurance – A Smart Way to Supplement High Deductible Plans

Accident Insurance, also referred to as Accident/Injury Insurance, is designed to pay money directly to the policyholder in the event of an accident or injury. The coverage will pay for out-of-pocket costs incurred as a result of an injury: urgent care, emergency treatment, exams and x-rays, hospitalization and other expenses related to the injury. The coverage can also pay for items not covered by insurance, such as travel and other incidentals.

Accident plans work well for active families with high-deductible major medical plans.

Finding The Best Dental Plan

dental insurance

Finding a good personal dental plan can be as painful as a root canal! If you do a search online, you will encounter dozens of websites that promote numerous dental plans – and it’s difficult to know which plans are good and which ones are not. Most people get confused and decide to go with a carrier with whom they are familiar – but that can be a big mistake. The best carriers for health insurance sometimes offer very weak dental insurance plans.

High Deductible Health Plans / Tools You Can Use

The trend towards higher deductible health plans has been forced upon us. With extremely high rate increases, employers and individuals have turned towards high deductible health plans as a way to mitigate costs.

I read an article today in Consumer Reports that provides statistics to show this trend is growing rapidly. However, the real take-away is at the bottom of the article in the “What You Should Do” section. This section references two helpful websites that allow consumers to compare prices for healthcare.

Harken Health: A New Insurance Carrier in Atlanta

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It’s mid-November and this is a super busy time during Open Enrollment.  Normally, I wouldn’t take the time to write a blog post, but I need to answer some questions about Harken Health.  This is my attempt to offer a review of sorts — a fair assessment of this new carrier.
Harken Health is an independently operated affiliate of United Healthcare.  Currently, they are offering coverage on the Exchange (the Marketplace) and off the Exchange in Chicago and Atlanta. 

Over age 64? Don’t Get Caught in the Plan F Death Spiral


Don't get caught in the Medicare Death spiral _ doctor holding sign

The Most Popular Plan      Over half of all people who enroll in a Medicare Supplement plan (Medigap) select Plan F.  Plan F is the most comprehensive plan available and covers almost all out-of -pocket medical costs not covered by Medicare Part A and Part B.  Medigap plans are standardized, so a Plan F with United Healthcare is (as required by Federal law) identical to Plan F with Blue Cross Blue Shield,