You’re aware of how important it is to have health insurance. So when you get a cancellation letter (sometimes called a “non-renewal” notice) from your insurance company, it’s understandable if you panic. However, that doesn’t need to be the case. Read on to see what you can do in this situation:

See if the letter was sent in error

It’s possible that your cancellation letter was sent by mistake. In general, under the Affordable Care Act, your insurer can’t cancel your policy, except under specific circumstances.

Know that you have time

It is rare indeed that an insurer sends a cancellation letter and revokes your coverage the next day. Typically, these letters will state exactly when your coverage ends (anywhere from 30 to 180 days from the date on the letter). That gives you enough time to choose new coverage so that you don’t have any gaps.

Check if a new plan is offered

If your plan is being cancelled because the insurer is no longer offering it to the public, that insurer may help you choose a new one. Often, cancellation letters are accompanied by a suggestion regarding the most comparable plan the insurer does offer. It’s up to you whether you want to join this plan or not.

In the event of receiving an insurance cancellation letter or non-renewal notice, don’t panic. Turn to an expert who can help you navigate the health insurance world and you’ll sleep a little easier. (303) 663-9991

On the national healthcare exchange, Gold plans usually cost more, but are they worth it? See what Gold – and the other metal categories – have to offer.

Bronze

If your biggest concern is low monthly premiums, the Bronze category is your best bet. They’re perfect for protecting yourself in the event of a major illness or injury. However, their deductibles (the amount you pay before your insurance begins to pay) can be thousands of dollars a year. This means you’ll most likely pay the full cost of routine care on your own.

Silver

If you can afford a monthly premium above what Bronze has to offer, consider a Silver plan. They offer all the benefits of Bronze, and their deductibles are typically lower as well. This means you’ll pay less for routine care than you would under Bronze.

Gold

Gold plans have the highest premiums; however, they also have the lowest costs when you actually need care. Like Silver, their deductibles are low, and could be a good choice if you plan to use a lot of medical care within a given year.

If you’re having trouble choosing a metal category, talk to a health insurance broker today for sound advice.

Do you need health insurance coverage but you’re unable to get it through your employer? Don’t panic. There are other options for you, which are best discussed with a health insurance broker.

Knowledge

If you have trouble understanding health insurance terms like “premium” and “deductible,” you’re not alone. These terms are confusing to many people. Luckily, your broker can explain them clearly.

Experience

A licensed broker knows the ins and outs of the insurance plan that’s best for you. They can help you pick the right plan by explaining the benefits of each, including how they might affect you in any given year.

Fast support

Once you get a health insurance plan through a broker, they’re your designated go-to person if you need help. Any time you want assistance filing claims, or have questions about coverage, eligibility, payments and other issues, your broker is there. This is often a much faster way to get questions answered than spending hours on the phone, or trying to navigate a health insurance company’s website.

Talk to a broker today

Talking to a broker before purchasing health insurance coverage can give you peace of mind. You’ll know you got the right plan and you’ll fully understand its costs. Get in touch with a broker today.

You do your best to keep yourself healthy – and keep your health insurance costs as low as possible. Well, it turns out that your insurance company may want exactly the same thing! That’s why many of them offer “wellness programs,” which are often collections of incentives to help you feeling your best.

Health and fitness

Many insurances offer wellness plan benefits through the workplace, although individual plans can offer them directly to enrollees as well. These benefits often take the form of discounts on premiums and gym memberships. They may even include cash rewards.

Who benefits from wellness programs?

Both the enrollee and the insurance company can benefit from wellness programs. Typically, the company pays out less in coverage because the enrollee needs fewer services. The enrollee benefits because their health is so good, fewer services are necessary. Wellness programs can be especially helpful to those looking for diabetes management, smoking cessation support, weight-loss programs and preventative screenings.

Does your health insurance offer a wellness plan?

If you’re not sure whether or not your health insurance benefits include a wellness plan, talk to your insurance company. If you’re trying to decide between different insurance plans, contact a broker who can tell you about the possible wellness plans offered by each.

Whether it be how they read their news or how they work, Millennials do things their own way. And the way they maintain their health is no exception.

According to a recent report, Millennials are increasingly finding new and innovative ways to support healthy lifestyles. They are the “health hack” generation, using technology to track their health and wellness. They know the importance of preventative care and spend nearly a quarter of their disposable income on health and wellness. They’re also more inclined to splurge on healthier food and clothing products.

According to the report, 79% of millennials say they believe the digital world has made it easier to keep track of and learn about healthy living and health care. Furthermore, a full three-quarters feel it’s important for brands to embrace wellness as an integral part of their core mission.

When it comes to health care, Millennials also are twice as likely to challenge the cost of their medical care than the general population. In fact, nearly one-fifth of those ages 25 to 34 said they’ve asked for a discount on medical care, compared with just 8 percent of the general population!

Just like every other age group, though, Millennials are struggling with the rising cost of health care. Are you looking for affordable health care coverage? We can help find a plan that fits you and your lifestyle.