Are you considering getting Lasik eye surgery? Is your fear of no insurance coverage for such a procedure holding you back? You don’t need to wonder anymore; vision insurance allows for some flexibility when it comes to unique situations that make Lasik necessary.
Here are a few key questions to consider as you decide whether or not to get Lasik, and what vision insurance covers.
How much does Lasik eye surgery cost?
Lasik eye procedures typically costs $2,200 per eye or $4,400 for both eyes. Here is a better breakdown of the expected pricing. You have several different options to choose from, depending on what type of Lasik procedure you require.
When would Lasik be medically necessary?
You are considered eligible for Lasik by most insurance companies if you are having eye trouble following an injury or operation. If you are unable to wear glasses or contacts, this also may qualify you for Lasik.
Are there other ways to pay for Lasik?
Vision Insurance plans cover extra expenses other than glasses or contacts or eye exams. If medically necessary, you could get a Lasik procedure covered by insurance. Speak with your eye doctor for more details on what may be available for you. Educating yourself on what vision insurance does and doesn’t cover may help you plan ahead for a Lasik, how you qualify, and how to access the procedures you need.
Flu season is back in full swing for Fall of 2022. Are you ready for it? Cool weather is rushing in, holiday festivities are ramping up, and that means more get togethers, more contact with others, and lack of social distancing. So, how are you going to avoid catching the flu?
What is CDC’s recommendation for getting a flu vaccine?
The CDC recommends getting the flu vaccine at least once a year for everyone six months and up! If you are a senior, a new type of flu vaccine exists called the adjuvanted flu vaccine you should consider researching.
When is the best time to get my flu vaccine?
Doctors recommend September and October as the best time to get vaccinated. October should be the latest you get vaccinated. People older than 65 should not get vaccinated earlier than September, in August or July. In special cases, some children ought to get vaccinated twice for better protection against the flu.
Moreover, if you are pregnant, you should look into flu vaccines earlier since generally, your baby will not be able to get vaccinated in the first few months of life.
Is it safe to get a COVID-19 vaccine and a flu vaccine at the same time?
If you are eligible to receive both vaccines, you may be able to during the same visit. However, it is generally recommended that you get the COVID-19 vaccine as soon as possible. When October comes around, you can then receive the flu vaccine.
When will flu season hit its peak?
The flu season tends to hit its peak in February, so experts recommend that you get ahead of that peak and get your flu vaccine in the fall, in September or October, so your body has time to build up its immune system against this virus.
https://healthedly.com/wp-content/uploads/2022/08/Healthedly-Blog.png9001366healthedly23https://healthedly.com/wp-content/uploads/2023/09/healthedly_logo_website_Updated-300x62.pnghealthedly232022-11-28 10:10:212022-11-28 10:10:22Are you ready for the 2022-2023 Flu Season?
You just turned 62. You’ve heard about Social Security, but you don’t know enough about it yet. If you keep reading you will discover the reality of social security and be able to determine when to start taking advantage of these benefits.
How much will the checks be?
The sooner you sign up for Social Security, the smaller the checks you receive will be. Every year you wait to sign up, that check gets larger. The latest you can wait to sign up is when you turn 70 years old. Why is this the case? The government has decided on an average human life expectancy. So, regardless of when you sign up between the ages of 62 to 70, the amount of lifetime benefits generally stays the same from person to person. So, don’t base your decision on the check size, but on your family situation, your finances, or your medical needs.
What are your retirement assets?
The first and foremost important thing to do is to evaluate your current situation, and any other retirement assets that may come into play. Remember that this decision is a personal one. Generally, if you can, it is recommended to wait as long as possible after you turn 62 to start taking social security benefits.
You will need to sign up for Medicare by age 65, and social security benefits can help pay for Medicare coverage. So, if you are planning to retire by age 65 and thus end employment-sponsored coverage, you will need to ensure you have the assets required to sustain Medicare payments.
What is right for you?
You will need to assess your situation, your assets, and your needs, to make an educated decision for when you wish to start taking social security.
If you are a senior citizen with questions about health coverage, Healthedly is here to help. You can call us at 855-522-2201 to get a free quote and learn more about what you are eligible for.
https://healthedly.com/wp-content/uploads/2022/09/Healthedly-Blog-1.png9001366healthedly23https://healthedly.com/wp-content/uploads/2023/09/healthedly_logo_website_Updated-300x62.pnghealthedly232022-11-23 13:38:002022-11-28 10:26:11When should you start taking Social Security?
If you are a hearing aid user, you will be happy to hear that they just became available without a prescription! Even better, you can purchase a set for prices as low as $199 over the counter. Gone are the days of waiting for a prescription to improve your hearing capabilities or replace broken aids.
So, what does this mean for you exactly?
Before, we could only access hearing aids with a prescription from an auditory specialist. Generally, these devices cost thousands of dollars, even with a prescription. But now companies like Walmart promise to sell these audio-enhancing devices for prices as low as $199.
Dr. Frank Lin of John Hopkins University predicts that the hearing aid industry may need a few years to establish itself and sort out. But rest assured that before long, more and more retailers will make hearing aids available in stores near you. Lin also believes that prices will lower even more significantly in the next few years.
Over-the-counter aids will cost less mostly due to the fact that they will not be specifically tuned and fitted by an audiologist. However, manufacturers will make it possible for users to tune the aids for themselves thanks to phone apps and software.
Sony has announced OTC hearing aids manufactured at a South African-based company called hearX, which also creates Lexie devices.
Bose also plans to collaborate with hearX to develop Lexie hearing devices. Bose will partner with retailers such as Walgreens, Walmart, and Best Buy to develop hearing aids with hearX’s Lexie devices.
So, there will be no shortage of options to choose from, as the over-the-counter hearing aids market expands and grows.
About 37 million Americans struggle with their hearing. However, only 1 in 4 Americans who need these auditory-enhancing devices are able to access hearing aids.
This push to make hearing aids available over the counter will be huge in allowing new demographics of Americans access to better hearing.
https://healthedly.com/wp-content/uploads/2022/08/Healthedly-Blog.png9001366healthedly23https://healthedly.com/wp-content/uploads/2023/09/healthedly_logo_website_Updated-300x62.pnghealthedly232022-11-22 13:15:342022-11-22 13:15:39Hearing aids now available without a prescription!
Entrepreneurs often find that running their own businesses can make getting good health coverage difficult. You may face high deductibles and high monthly premiums on your health insurance plan options. Insurance companies don’t make it easy to get health insurance for solo entrepreneurs–anyone who is outside of a traditional employer group health insurance plan can feel left out in the cold.
Fortunately, there are resources available for solopreneurs who run small businesses. There are health insurance marketplaces, such as Healthcare.gov, which are designed to help people who do not get health insurance from their employer but through the federal government and the Affordable Care Act. The problem is: sometimes they’re not all that affordable.
So how do entrepreneurs get health insurance? These are the insurance companies that we believe are leading the way in helping solopreneurs, and we can help you find an affordable health insurance plan for you.
Blue Cross and Blue Shield
Blue Cross and Blue Shield stands out because it has one of the largest provider networks in the country, operating in all 50 states and the District of Columbia. The company has a good reputation for being ethical, and they are working to improve the quality of their care.
Not all states have the same coverages so you will want to do some digging into what Blue Cross and Blue Shield offers in your area. But they can truly be the answer to your problems if you’re a solopreneur looking for health insurance.
UnitedHealthcare
UnitedHealthcare is another very large provider network, and another health insurance company that operates in all 50 states. They also make the application process very easy so you can apply online and find out your monthly insurance premiums without ever having to talk to a sales representative.
With coverage everywhere, they’re one of the easiest to work with, no matter where your business takes you. Whether you’re traveling across state lines to close deals and make sales, or whether you’re visiting a supplier in another state, you will always know that UnitedHealthcare is accepted in that state.
Kaiser Permanente
A smaller insurance company which only operates out of eight states, they are good because they have oriented their business model around preventive care and full-body wellness. They routinely get good customer satisfaction reviews.
Kaiser Permanente is smaller, but is gaining traction as one of the best small business and solopreneur health insurers. They have a good reputation that is based on years of good outcomes. If they’re in your area, they’re well worth checking out.
Conclusion
There are likely always going to be one or two cons when you’re looking at a health insurance plan, so we encourage you to work with a team that puts your best interest into a plan recommendation. Contact us here at Healthedly!
https://healthedly.com/wp-content/uploads/2022/09/Healthedly-Blog-1.png9001366healthedly23https://healthedly.com/wp-content/uploads/2023/09/healthedly_logo_website_Updated-300x62.pnghealthedly232022-11-20 08:57:182023-01-05 12:01:51What is the Best Health Insurance for Entrepreneurs?
Running a small business is hard, and navigating getting your employees health insurance can really be a hassle. Especially if you don’t have experience or a trusted advisor. With that in mind, we’ve crunched the numbers. We’ve come up with the best group health insurance plans for small businesses.
We want to make sure you have as many health insurance options as you can get. You should know the plan options and the health benefits available to you. We also want you to know how to provide your small business’s number of employees health care that will be good for them.
#1. UnitedHealth care
Why Get It: Coverage in all 50 states, largest health insurance provider in USA
When it comes to the best small business health insurance plans, everyone trusts UnitedHealth care. That’s why they’re the largest health insurance provider in the United States. They have coverage options in all 50 states. This makes them even more attractive if you’re a business that operates remotely but wants to have a single health insurance plan.
They have a national network of doctors and hospitals, making them one of the most accessible insurance organizations. On top of this, UnitedHealth care is moving hard into the digital realm with consultations over computers and mobile. Hence, this lowers costs for the insured.
#2. Blue Cross and Blue Shield
Why Get It: Coverage specialized to your area through local health insurance agencies
Blue Cross and Blue Shield is an interesting one, because they work through 36 different local health insurance companies. This makes them more tied to specific geographic areas and leads to a more targeted view of business. Like United HealthCare, Blue Cross and Blue Shield are available in all 50 states, and it is the most popular plan on this list: one in three Americans is covered under the Blue Cross and Blue Shield (BCBS) Association.
#3. Humana
Why Get It: Specializes in small business healthcare
Humana is a very large health insurance company, and is on this list because they make a concerted effort to offer health insurance to small businesses. Some of the perks of Humana Small Business include in-network preventive care, 100% covered by all Humana group plans. They also offer telehealth visits, and the Humana Pharmacy
#4. Aetna
Why Get It: High-deductible plans with tax advantaged savings options
Aetna is a long-standing pillar in the health insurance community, and they offer something very attractive to small business owners: high-deductible health insurance plans with tax-advantaged savings options.
Known especially for their good customer service–something that’s hard to find in an insurance company–their large provider network of more than 700,000 providers gives you access to every kind of care you need.
The downside is that Aetna is not available in every state, and you usually can’t get a quote without an Aetna sales rep walking you through the options.
Choose the best Small Business Health Insurance for you
If none of the above are the right fit, no worries, we have other options for small business health insurance. Now is the time to get to know plan options for your employees.
https://healthedly.com/wp-content/uploads/2021/03/Healthedly-Blog.png9001366healthedly23https://healthedly.com/wp-content/uploads/2023/09/healthedly_logo_website_Updated-300x62.pnghealthedly232022-11-18 05:58:362023-01-04 14:46:08Best Health Insurance for Small Business Owners
You’ve probably heard of life insurance by now. But if you are reading this, you are probably hoping to learn more about life insurance, what it all means, what you need to know before you enroll for a life insurance policy. You may have questions like, why do I need this type of insurance? What does this type of insurance cover?
What is it?
Life insurance is a type of policy that pays out a set sum of money either immediately after a person dies or a short period after that person’s death. This money usually goes to the spouse and/or children of the deceased individual. So, life insurance is essentially coverage for those left behind following the death of the policy holder.
What is the difference between permanent and term life insurance?
Permanent life insurance is coverage that remains in place until the policy holder passes away. Meanwhile, term insurance only covers you for a certain period of time, like 10 to 20 years. Term policy rates tend to be lower than those of permanent rates, so most people choose term policies instead. Permanent policies can grow, however, with a savings component known as a “cash value” of the policy that can increase over time.
How much coverage do I need?
Typically, it is recommended that you get a policy that is at least six to ten times your job salary. So if you are making $50,000 per year at your job, you would take out a policy of at least $500,000. This policy would need to last at least 15 to 20 years.
How much does life insurance cost?
These policies typically cost $26-$55 a month. This is the average rate for these types of policies. However, this cost usually varies depending on the type of coverage you need–whether it is term or permanent, and the amount you opt in for.
Are you looking for ahealth coverage policy but you have no idea where to start? Look no further than Healthedly! Reach out here or call us at 855-522-2201.
Everything you need to about Open Enrollment this year
Open Enrollment period, the most wonderful time of the year, is upon us. This period usually happens at the same time of every year, from November to January, and gives people the opportunity to find the right coverage that fits their individual needs, financial situation, and employer network.
Here is everything you need to know about open enrollment for 2023 and finding the right health insurance coverage.
When is Open Enrollment?
November 1, 2022 marks the day Open Enrollment begins this year. Starting November 1, you can enroll or re-enroll in health coverage for 2023, or even change that insurance plan.
Dec 15, 2022 is the last day you can enroll or change up your plan for any coverage set to start on January 1, 2023.
2023 coverage becomes effective on January 1, 2023 for anyone who enrolled by December 15.
February 1, 2023 is the day that health coverage begins for those who enrolled between December 16, 2022 and January 15, 2023.
What do you need for Open Enrollment?
Make sure you have all the information necessary to enroll, as well as information for your dependents if applicable. Ensure you have all your IDs on hand as well as your employer and income information. Also, you may get savings on health coverage.
What is the ACA?
The Affordable Care Act, or Obamacare, makes health insurance accessible to individuals and families who otherwise couldn’t obtain insurance. You can talk with an agent TODAY at 855-522-2201 about what you are eligible for and the kind of healthcare coverage you can access.
Open Enrollment Period is here, and if you aren’t sure where to even start with health insurance, what you qualify for, or the insurance quote you might be eligible for, then you need to know that Healthedly is here to help! Our agents are ready to help you find the best coverage for your individual needs, so don’t hesitate to get started TODAY!
https://healthedly.com/wp-content/uploads/2022/08/Healthedly-Blog.png9001366healthedly23https://healthedly.com/wp-content/uploads/2023/09/healthedly_logo_website_Updated-300x62.pnghealthedly232022-11-01 14:36:252022-11-02 14:53:29What you need to know about Open Enrollment Period
