Navigating Health Insurance During Pregnancy: What You Need to Know Pregnancy is a life-changing event, and ensuring you have proper health insurance coverage is crucial for both you and your baby’s well-being. If you’ve just discovered you’re pregnant and are concerned about securing health insurance, don’t worry – there are options available to you.  Understanding Your Health Insurance Options Special Enrollment Period (SEP) for Existing Plans If you’re already insured through your employer or the Health Insurance Marketplace, becoming pregnant qualifies as a “life event,” which allow ..read more

Unraveling Preventative Care: What’s Covered and Why It Matters Preventative care is an essential aspect of maintaining good health and detecting potential health issues early on. By understanding what services are covered under preventative care, you can take full advantage of your health insurance plan and protect your well-being. In this comprehensive guide, we’ll explore the ins and outs of preventative care, including what’s covered, its benefits, and how it can save you money in the long run. What is Preventative Care? Preventative care, also known as preventive care, refers to medical ..read more

CHIP and Medicaid: Understanding the Differences Navigating the world of health insurance can be a daunting task, especially when it comes to understanding the various government programs available. Two such programs, CHIP (Children’s Health Insurance Program) and Medicaid, often cause confusion. Many people wonder, “Is CHIP and Medicaid the same thing?” In this blog post, Sean the Insurance Guy will help clarify the differences between these two programs and guide you in determining which one may be best for your family. What is Medicaid? Medicaid is a state and federal program designed ..read more

ER vs. Urgent Care: A Comprehensive Guide to Making the Right Choice for Your Healthcare Needs It might be difficult to decide between an emergency room and urgent care when a medical problem arises. We’ll go through the main differences between an ER and an urgent care facility in this blog to help you choose which is appropriate for your medical condition ER vs. Urgent Care: Important Differences Emergency rooms are equipped to treat life-threatening problems, stroke symptoms, serious injuries, and other urgent circumstances.Facilities for urgent care treat non-life-threatening medical co ..read more

Pre-Existing Conditions Explained : Make Knowledgeable Insurance Decisions What is a preexisting condition? Understanding Pre-Existing Conditions: A Must-Know for Informed Insurance Decisions Pre-existing conditions are a crucial subject in the insurance world. Making informed decisions regarding your insurance requirements involves an awareness of the consequences of pre-existing conditions for Americans seeking health insurance coverage. The Impact of Pre-Existing Conditions on Your Insurance Coverage: What You Need to Know A pre-existing condition is a sickness that a person had before s ..read more

Navigating the Healthcare Maze: Choosing Between Cheaper Premiums and Lower Medical Bills The cost of healthcare is a significant concern for millions and millions of individuals and families across the world. Navigating the healthcare maze can be quite overwhelming, with the main dilemma often boiling down to deciding between cheaper insurance premiums and lower medical bills. In this blog, we will explore the pros and cons of each option, providing you with information that can help you make informed decisions about your healthcare coverage. Lowering Your Healthcare Costs: Pros and Cons ..read more

Influenza A – When to See a Doc? This 2022 Cold and Flu season really kicked off with a bang! Some of the worst viruses in a while seem to be making their way around the general population. When it comes to colds and the flu, it can be really hard to decipher what type of virus you are suffering from, and when your symptoms warrant a visit to your doctor. In some cases, your symptoms may definitely warrant a visit, but you may be to afraid to go to the doctor because either you don’t have health insurance, or you don’t have an insurance coverage that will cover the visit you need, or you hav ..read more

Is It Flu or Covid? There is no question this 2022/2023 Cold and Flu season is a doozy. There are a range of harsh viruses going around, and it can be hard to decipher which virus you are experiencing, and when a visit to the doc is necessary. The hardest part is many of the viruses circulating share the same symptoms. There are a few key differences sometimes, but you must also note that not everyone will experience symptoms the same or even the same symptoms at all. Viruses and individual immune systems are tricky like that. Flu vs. Covid 19 The Flu (influenza) and Covid-19 are two dif ..read more

What Exactly is Supplemental Insurance? You have basic health insurance, so why would you need supplemental insurance? Great Question, and I have an answer for you.  Surprise – Your son just got stung by a bee, and turns out he’s allergic to bees, and an unexpected ambulance ride and hospital visit just happened. You’re not even close to reaching your deductible.. So now what? That’s where supplemental insurance can help.  Or.. Surprise! Your daughter is struggling to see the chalkboard at school and may need glasses. But wait, your insurance doesn’t include vision! Supplemental In ..read more

Health Insurance for the Self Employed Self employed and wondering where to start with health insurance? That’s where Sean the Insurance Guy comes in!  A lot of people assume private insurance is too expensive. There’s a misconception that corporate insurance is a better benefit than self employment with private insurance. This is not always the case. Often you can actually find the opposite – private insurance can be cheaper than company or corporate insurance. Do I Really need Health Insurance if I’m Self Employed? YES.  If you don’t have health insurance – you and your family ..read more