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THE LATEST IN THE WORLD OF INSURANCE

Open Enrollment 2019

10/3/2018

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​Open Enrollment for Individuals starts ​
November 1, 2018 & ends December 15, 2018.

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​Here are a few things you will need to have prepared for our phone call:

  • 2019 estimated household income. Make sure to include every person that is on your tax return.​
  • Married? As a reminder, you must file a joint tax return with your spouse.
  • Does your employer or your spouse's employer offer group health insurance? If so, what is the cost for the employee only coverage?
  • Have you filed your 2017 tax return? Your 2017 taxes MUST have been filed to qualify for a tax credit in 2019.
  • ​Does your income fall between 138% and 400% of the FPL (below) according to your tax size household?
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HERE ARE THE OPTIONS THIS YEAR

MARKETPLACE (ACA) PLANS

  • Pre-existing conditions covered
  • Guaranteed Issue (No underwriting required)
  • Tax Credits available for those who qualify

HEALTH CARE MINISTRY SHARING PLANS

  • Substantial cost savings (40%-60%)
  • Alternative to traditional insurance - these are NOT insurance plans

ACCIDENT/CRITICAL ILLNESS GAP PLANS

  • Bridge the gap in the high deductible plans

SHORT TERM PLANS

  • Substantial cost savings (40%-60%)
  • Scaled down coverage without all of the ACA requirements (maternity, preventative, etc.)
  • Great for those who are super healthy and not concerned with covering pre-existing conditions

HUSBAND/WIFE GROUP PLANS

  • Pre-existing conditions covered
  • Guaranteed Issue (No underwriting required)
  • More cost effective than Individual plans
  • Affordable PPO network options available

WARNING:

DO NOT GO TO HEALTHCARE.GOV ALONE

Health Insurance is so complicated and confusing. If done wrong, it WILL mess you up for the rest of the year. Please let our team of professionals help guide you to the best option for you and your family at NO ADDITIONAL COST to you.
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Reasons to use an independent agent

8/22/2018

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1. KNOWLEDGE

When you require legal advice, you contact a lawyer, and when a health issue arises, you visit your doctor, so when you need assistance with your insurance coverage, you need to use an industry expert. In addition to having many years of experience in the industry, independent insurance agents work with many different insurance companies and are knowledgeable about their individual strengths. Although one insurance company may provide unmatched claims service, another may offer more competitive rates. Based on what is most important to you, an independent agent will find the best match for you.
  • We write 1,000’s of policies each year and know the quickest way to get in and out of the system.
  • We know the insurance lingo – we are the experts.
  • We know which plans are best within each company.
  • We do the research and leg work for you.  We study the plans each year BEFORE talking to you.
  • We know the Louisiana insurance market.  The MarketPlace does not, nor are they licensed insurance agents.

2. CUSTOMER SERVICE

If you have coverage questions or worse, need help with a claim, would you rather reach an automated recording or an actual person when you call? More and more companies have switched to automated systems, often making it difficult and time consuming to reach the right person. However, at many independent insurance agencies, an actual person will still greet and assist you.
  • We make sure you get the benefits you need.
  • We want a long-term relationship with you.
  • We are there to assist you all year long.  You have one point of contact and one person to help you solve any issues that may arise.

3. PERSONAL SHOPPERS

Working with an independent insurance agent can be compared to having a personal shopper. Similar to the way in which a real estate agent sorts through properties to help you find your ideal home, an insurance agent reviews many different insurance companies’ rates and coverage options to help you secure policies that best suit your needs. You may believe that this comes at an additional cost to you, but independent agents do not add extra charges to insurance companies’ rates. So you can choose to work with an independent agent, who will handle your coverage needs, assist you with claims and answer any questions you may have, from billing issues to coverage concerns, always advocating on your behalf, at no additional cost to you.

4. UNDERSTANDING

Independent insurance agents understand that insurance can seem complicated and confusing, especially when you don’t deal with it on a daily basis. For this reason, your insurance agent will work to ensure that you fully understand your coverage, from what is and is not included, to the deductibles, coinsurance and copayments. After you purchase your policies, an independent agent’s work isn’t over – instead, we are available year-round to help answer your questions, update your policy and make coverage recommendations.

5. REPUTATION

Reputation plays a crucial role in finding a company you can trust, and many independent agencies take pride in the years, if not decades, they have spent serving their local communities. Not only can a company’s many years of service speak to its well-established reputation in the community, but it can also help you feel confident about its financial stability. Although there are many different ways to obtain insurance, would you rather obtain a quote from a startup Internet-based insurance provider that advertised on television, or call a local agent who your friends, co-workers and neighbors could recommend?

6. PROTECTION & PEACE OF MIND

Above all, working with an independent insurance agent will provide you with peace of mind, knowing that when you save money on your insurance, it won’t come at the expense of comprehensive coverage. When it comes to protecting your home, family, business and other invaluable assets, relying on an independent agent you can trust is a great place to start.
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  • Home
  • About
    • Meet the Team
    • TESTIMONIALS
  • Open Enrollment
  • Our Services
    • Individual & Family Insurance Quotes
    • Group Insurance
    • Short Term Insurance
    • Medi-Share Christian Ministry Sharing
    • Dental Insurance
    • Vision Insurance
    • Medicare Supplements
    • Travel Medical Insurance
    • Term Life Insurance
    • Medical Tourism
    • Long Term Care
    • Accident Insurance
    • Critical Illness Insurance
    • Hospital Recovery Insurance
    • Pet Insurance
  • News
  • Contact
  • FAQ