General Archives - Healthedly Insurance Services

Affordable Small-Group Health Options

General, Group Insurance Plans, Small Business

Small business owners are always looking for ways to cut costs and save money. One area where many small business owners struggle is with providing health insurance for their employees. The cost of health insurance can be prohibitively expensive for small businesses. However, it’s an important benefit that helps attract and retain employees. In this blog post, we will explore some affordable small-group health insurance options. These options can help small business owners provide this important benefit to their employees without breaking the bank. From government-subsidized options to alternative insurance models, there are a variety of options available for small businesses looking to provide health insurance at a reasonable cost. So, if you’re a small business owner looking for ways to offer health insurance to your employees without overspending, read on to learn more about the options available to you.

What is small-group business insurance?

Small-group business insurance refers to insurance policies specifically designed for small businesses. Small businesses usually have fewer than 50 employees. These policies typically include coverage for things like property damage, liability, and workers’ compensation. Some small group business insurance policies may also include coverage for things like a business interruption. This can help a business recover from lost income if forced to close due to a covered event. Additionally, many small group business insurance policies can be customized to meet the specific needs of a particular business. For example, a policy can offer coverage for specific types of equipment. Or, it can provide extra protection against certain types of risks. Overall, small group business insurance can provide peace of mind and financial protection for small business owners. Thus, this helps them to secure their businesses and protect their assets in case of unexpected events.

How does small-group health insurance work?

Small group health insurance works by providing a way for small businesses to purchase health insurance coverage for their employees. The employer typically purchases small-group health insurance policies. The employer then offers the coverage to their employees as a benefit. Moreover, the employer usually pays a portion of the premium and the employee pays the remaining portion. This is either through payroll deductions or direct payments.

The insurance company then provides coverage for the employees, which includes things like doctor’s visits, hospital stays, and prescription drugs. The specific coverage and benefits provided by a small group health insurance policy will depend on the policy itself. It will also depend on the insurance company offering it.

However, most policies will include coverage for basic medical needs like doctor’s visits, prescription drugs, and hospital stays. Additionally, many small-group health insurance policies can be customized to meet the specific needs of a particular business. This can include coverage for specific types of medical treatments or extra protection for certain types of risks.

Affordable small business health insurance plans

Affordable small business health insurance plans are insurance policies that are specifically designed for small businesses. These plans also offer coverage for the health care needs of their employees at a reasonable cost. There are a variety of options available for small businesses looking to provide health insurance at an affordable price. Some affordable small business health insurance plans include government-subsidized options.

For example, the small Business Health Options Program (SHOP) marketplace helps small businesses purchase health insurance. Other options include alternative insurance models, such as health-sharing plans. These plans are a cost-effective alternative to traditional health insurance. They allow small businesses and their employees to share in the cost of healthcare. Additionally, many insurance providers offer customizable plans that cater to small businesses needs and budgets.

There are a variety of options available for small businesses looking to provide health insurance to their employees without overspending. It’s important for small business owners to research and compare different options. This way, it is possible to find the one that best fits their needs and budget.

How can a business get small-group health insurance?

A business can get small-group health insurance by working with an insurance broker or agent. Or, by visiting a health insurance marketplace, or directly contacting an insurance company.

Working with an insurance broker or agent can be a good option for small businesses. They can help find and compare different insurance options based on the needs and budget of the business.

A health insurance marketplace, such as the Small Business Health Options Program (SHOP) is another option. The marketplace allows small businesses to purchase health insurance coverage for their employees. It also offers the benefit of government subsidies to those who qualify.

A business can also directly contact insurance companies and request quotes for small-group health insurance plans. It is important to compare different plans and options. This will help in the search to find the one that best fits the needs and budget of the business. Some states also have their own health insurance marketplaces that small businesses can explore.

The business ought to ensure that the plans they are considering comply with the Affordable Care Act (ACA) requirements. It also ought to ensure that the insurance company is licensed to sell insurance in the state where the business operates.

Do you need small-group health insurance?

Small-group health insurance is an essential benefit that small businesses can offer to their employees. It helps attract and retain employees. It also provides peace of mind and financial protection in case of unexpected health events. However, the cost of health insurance can be prohibitively expensive for small businesses. Fortunately, there are a variety of affordable small-group health insurance options available, and that’s where Healthedly comes in!

Healthedly agents can answer your questions regarding small-group health insurance plans you may be eligible for! So what are you waiting for? Give us a call at 855-522-2201.

February 1, 2023

Everything You Need to Know About Special Enrollment Periods (SEP)

General

Special enrollment periods (SEP) are a crucial aspect of the health insurance landscape, allowing individuals to enroll in a health plan outside of the regular open enrollment period.

These periods are designed to provide consumers with greater flexibility and help them secure coverage when they need it most. Here is everything you need to know about special enrollment periods.

What is a special enrollment period?

A special enrollment period (SEP) is a time frame during which individuals can enroll in a health plan outside of the regular open enrollment period. These periods are typically triggered by certain life events, such as losing health coverage, getting married, or having a baby.

When can you enroll during a special enrollment period?

SEP’s are typically available for a limited time after a qualifying life event, such as 60 days after losing health coverage. It is important to note that the length of time for the SEP may vary depending on the event.

What are the qualifying life events for a special enrollment period?

The most common qualifying life events that trigger a special enrollment period include:

Losing health coverage
Getting married
Having a baby
Adopting a child
Gaining citizenship or legal status
Moving to a new area
Leaving prison

It’s important to note that not all events qualify for a special enrollment period.

Where can you enroll during a special enrollment period?

During a special enrollment period, individuals can enroll in a health plan through the Health Insurance Marketplace or directly through an insurance company. In some states, Medicaid and the Children’s Health Insurance Program (CHIP) also have special enrollment periods.

What happens if you miss the special enrollment period?

If you miss the special enrollment period, you will have to wait until the next open enrollment period to enroll in a health plan. Additionally, if you don’t have health coverage, you may have to pay a penalty when you file your taxes.

How to enroll during a special enrollment period?

To enroll in a health plan during a special enrollment period, you will need to provide documentation of your qualifying life event. This documentation may include marriage certificates, birth certificates, or documentation of a loss of coverage. You can enroll in a health plan through the Health Insurance Marketplace or directly through an insurance company.

It’s important to be aware of special enrollment periods and how they can affect your health coverage. If you experience a qualifying life event, be sure to take advantage of a special enrollment period to secure coverage.

Don’t hesitate to reach out to a Healthedly health insurance agent or broker for help understanding your options and enrolling in a plan during this period.

Are you looking for a health insurance plan that is customized to your needs? Healthedly agents await your call and your questions. Give us a call at 855-522-2201!

January 30, 2023

What do Americans think of the current U.S. healthcare system?

General, Health, Individual and Family

There is a wide range of opinions on the current U.S. healthcare system. Some people believe that the health system in the U.S. is the best in the world. After all, our health system provides high-quality care to those who can afford it. However, others believe that the healthcare system is in need of significant reform. It is too expensive, complex, and unfair. Surveys have consistently shown that the cost of healthcare is a major concern for many Americans. A significant percentage of the population supports the idea of universal healthcare, where a single-payer system covers everyone. While many people oppose the idea of universal healthcare, most believe it would be too expensive. Meanwhile, others value the freedom to choose their own providers and plans.

There are a number of reasons why some Americans do not prefer the current U.S. healthcare system.

Some common concerns include:

High cost:

The cost of healthcare in the U.S. often gets cited as a major problem. Many Americans struggle to afford the high cost of insurance premiums, deductibles, and copays. Due to this, folks may be unable to access the care they need because of the cost.

Lack of access to healthcare:

Despite being the world’s wealthiest country, the U.S. has a high rate of uninsured citizens. Hence, many people still cannot enjoy access to affordable healthcare.

Complexity:

The U.S. healthcare system often gets criticized for its excessive complexity. The wide range of insurance plans, providers, and regulations that can be difficult for people to navigate.

Limited choices:

In some parts of the U.S., there may be a limited number of providers or insurance plans available. This can limit people’s options and make it difficult to find the care they need.

Shortage of primary care doctors:

Another concern? There is a shortage of primary care doctors in the U.S., which can make it difficult for people to access routine health services.

High administrative costs:

Last but not least, the U.S. health system struggles chronically with having high administrative costs. Unfortunately, this tends to drive up the overall cost of medical care.

Lack of transparency:

Some people may feel that the health system is not transparent enough, with prices for procedures and treatments often being unclear or hard to obtain.

Are you looking for more affordable health insurance? Healthedly’s mission is to connect people with an affordable health insurance plan. Whether you are an individual or a family, our agents will do everything possible to ensure you are set up with health coverage, regardless of income or employment.

Get started today with Healthedly, chat with an agent, we will send you a free quote for a health insurance plan that works for you!

January 3, 2023

The Importance of Vision Checks for Children

General, Health, Individual and Family, Vision

Are you wondering if you should invest in an eye checkup for your kids? You may be wondering, why spend the money if generally, children’s eyesight hasn’t begun to decline yet. But you may be surprised by the numerous benefits of getting your children in to see an eye doctor.

Children’s eyes are still developing

Eye checks for children are important because children’s eyes are still developing and can be easily damaged if not properly cared for. Regular vision checks can help identify potential problems early on, allowing for timely treatment and preventing long-term loss of eyesight.

Preventing vision problems

Untreated vision problems in children potentially leads to a number of negative effects, including difficulty with schoolwork, decreased ability to participate in sports and other activities, and social and emotional difficulties. Children who struggle with vision problems may have trouble seeing the board at school, playing with friends, or reading, which can impact their overall development and well-being.

In addition, some eye problems, such as amblyopia (lazy eye) or strabismus (crossed eyes) can only be effectively treated if caught early. By having regular vision checks, parents ensure that their child’s eyes are developing properly and that any potential problems are detected and treated promptly.

Overall, regular vision checks for children are important for ensuring healthy ocular development and preventing long-term vision problems.

Looking for vision insurance but unsure of where to begin? Our agents here at Healthedly are ready and waiting to answer any of your questions and help you get started!

December 29, 2022

Are You Enrolling in the Right Health Plan?

General, Health Resources, Individual and Family, Short Term, Special Enrollment Period

How to know for sure that you are enrolled in the right health plan

There are a few key factors to consider when deciding whether to enroll in an ACA (Affordable Care Act) plan or a short-term health plan.

First and foremost, it’s important to understand the differences between the two types of plans. ACA plans, also known as “Obamacare” plans, provide comprehensive coverage for a wide range of medical services. This includes preventative care, hospitalization, and prescription drugs. These plans must meet certain requirements set by the federal government, such as covering pre-existing conditions. They also offer a minimum level of coverage.

On the other hand, short-term medical plans provide temporary coverage for unexpected medical expenses. These plans typically have lower premiums and offer more flexibility than ACA plans. However, they provide much less comprehensive coverage. Short-term plans typically exclude coverage for pre-existing conditions. They may not cover certain types of care, such as maternity or mental health services.

What are your health and medical needs?

One major factor to consider when deciding between an ACA plan and a short-term medical plan? Your current health and medical needs. For example, you have a chronic condition or expect to need a lot of medical care in the near future. An ACA plan is likely to be a better choice because of its comprehensive coverage. On the other hand, if you’re healthy and just want some protection against unexpected medical expenses, a short-term plan may be a good option.

Another important factor to consider is your budget. ACA plans can be more expensive than short-term plans, if you don’t qualify for subsidies to help lower your premiums. If you’re on a tight budget and need to save money on your health insurance, a short-term plan is a good option. However, keep in mind that you’ll likely end up paying more out of pocket for medical care if you have a short-term plan. These plans provide less comprehensive coverage.

Think long-term vs short-term when it comes to your health plan

It’s also important to think about the long-term implications of your decision. ACA plans seem more stable and predictable than short-term plans. They provide continuous coverage and can’t be canceled for reasons like getting sick or making a claim. If you’re looking for a long-term solution for your health insurance needs, an ACA plan may be a better choice.

Whether you choose an ACA plan or a short-term medical plan will depend on your individual circumstances and needs. ACA plans provide comprehensive coverage, but can be more expensive. Short-term plans are less expensive, but provide less comprehensive coverage.

Ultimately, the right choice for you will depend on your health, budget, and long-term needs. Healthedly offers a variety of plans, from

Look no further than Healthedly for all your answers about health insurance and coverage. Start getting enrolled today, grab a free quote, and chat with a Healthedly agent. We are here to help you get the right healthcare coverage.

December 22, 2022

Colon Cancer and the Importance of Early Screenings

General, Health, Health Resources, Self-care

Why you need an early screening for colon cancer

Colon cancer is a type of cancer that affects the colon, the large intestine. The colon is part of the body’s digestive system, and its primary function is to absorb water and nutrients from food and to eliminate waste. Colon cancer occurs when healthy cells in the colon develop mutations in their DNA, leading them to grow and divide rapidly. These abnormal cells form a tumor, and if doctors do not detect the tumor and treat it, this cancer can spread to other parts of the body.

Colon Cancer Screening

The importance of early screening for colon cancer cannot be overstated. Every year, at least 100,000 people in the US recieve the chilling diagnosis of colon cancer. When this type of cancer gets detected in its early stages, it can often be treated successfully, and the chances of survival are much higher. Screening tests, such as a colonoscopy, can help doctors find colon cancer at an early stage when it is most treatable.

Some people are at a higher risk of developing this disease. Risk factors for this type of cancer include a family history of this cancer, a personal history of inflammatory bowel disease, or being over the age of 50. People with any of these risk factors should talk to their doctor about getting screened for this cancer.

Treatment

If cancerous cells are detected, treatment will depend on the stage of the cancer and the individual’s overall health. Treatment options may include surgery to remove the cancerous growth or chemotherapy to kill cancer cells. Experts also recommend radiation therapy to shrink the tumor. In some cases, your doctor will use combination of these treatments.

One of the biggest challenges with this type of cancer? It often does not cause any noticeable symptoms in its early stages. This is why screening is so important. Signs may be altered bowel movements (diarrhea or constipation), blood in stool, abdominal discomfort, and unexplained weight decrease. If you have any of these symptoms, it is important to talk to your doctor right away.

In conclusion, cancer of the colon is a serious disease that can be deadly if not detected and treated early. Early screening is crucial for detecting colon cancer at an early stage, when it is most treatable. If you are at high risk for colon cancer, talk to your doctor about getting screened. And if you experience any symptoms of a cancerous colon, don’t delay in seeking medical help.

If you are looking for the right health insurance provider, Healthedly is here to help. Our agents are dedicated to ensuring you find the best fit, so don’t hesitate to give us a call at 855-522-2201.

December 21, 2022

Are You on Top of Your Diabetes Care?

General, Health Resources, Self-care

If you have diabetes, it’s important to monitor your blood sugar levels and manage your condition to avoid complications. One way to stay on top of your diabetes care is by following a healthy eating plan. This means eating a balanced diet that includes a variety of fruits, vegetables, whole grains, and lean proteins. It’s also important to limit your intake of sugary foods and drinks.

Another way to manage your diabetes is by being physically active. Aim for at least 150 minutes of moderate-intensity exercise each week, or 75 minutes of vigorous-intensity exercise. This can help lower your blood sugar levels and improve your overall health.

In addition to healthy eating and exercise, it’s important to take any medications prescribed by your doctor as directed. This may include insulin or other medications to help control your blood sugar levels. It’s also a good idea to check your blood sugar levels regularly, as recommended by your doctor.

It’s important to see your doctor regularly for check-ups and to discuss any changes in your condition. This can help your doctor identify any potential problems early on and adjust your treatment plan if necessary.

It’s also important to monitor for any complications of diabetes, such as nerve damage, kidney damage, or eye problems. If you notice any changes in your vision, or if you have tingling or numbness in your feet, be sure to let your doctor know.

Managing your diabetes can be challenging, but it’s important for your overall health. By following a healthy eating plan, being physically active, taking your medications as directed, and regularly checking your blood sugar levels, you can help manage your condition and avoid complications. Talk to your doctor about the best ways to stay on top of your diabetes care.

Are you ready to enroll in a health insurance plan? Here at Healthedly, we’ve got you covered! Get started today with enrollment and a free quote from our team at Healthedly.

December 20, 2022

Packing For a Cruise: What You Need to Bring

General, Travel Medical

Are you planning a cruise next year or in a few months? Cruises offer a fantastic way of seeing a part of the world by luxury liner, whether you want to explore a tropical paradise or see the Northern Lights. Cruise ships are an encapsulated metropolis, but you should still remember the motto “Always Prepared”. Cruise ships sometimes don’t dock for weeks at a time, so you will want to avoid the stress of needing an essential item but having to wait to get on dry land.

So, what do you need to pack for your next cruise? What should you add to your packing list? These are the essentials you will need for your next cruise.

Everyday outfits

Start with figuring out everyday outfits to wear daily on the trip. Choose a pair of your favorite shorts, skirt, or leggings to wear. Then find two or three tops that you can cycle through. Don’t forget comfy shoes, slippers, and sandals. Cruise ships tend to make stops at various tourist attractions along the way. Some of these locations include a place to hike or explore. Make sure you take along some good walking shoes for an excursion on land. If you are going on a Caribbean cruise, you will want a good swimsuit, hat, and other beachwear. For an Alaskan cruise, make sure to pack layers, like a couple of sweaters or a jacket and gloves.

Staying Active

You will want to stay active on board, to work off all those mimosas and all-you-can-eat brunches. Add your favorite activewear outfit to your suitcase so you can take advantage of the ship’s fitness facilities. Be sure to grab an extra sweater or jacket; if you are on an Alaskan cruise, you may want to go hiking and explore the beautiful northwest. It can get chilly that close to the Arctic circle!

Evening outfits

There are a number of cruise lines with relaxed rules around evening wear onboard a cruise ship. However, many of the luxury lines stipulate a more formal dress code in the evening. When planning your wardrobe, be sure to pick out a few business casual outfits, and even a couple of formal looks to wear on the ship at night.

Essentials

If you take a prescription medication, be sure to bring along more than enough for the cruise. It’s always best to have more than you need just in case and divide them into separate containers, in case you lose one. This way, you will not lose all of your medication if you happen to misplace a container.

Of course, grab all your toiletries and essential items you will need for a trip. Travel experts recommend taking along a first aid kit as well.

Are you planning on taking a relaxing cruise in the near future? If so, you should definitely look into travel insurance policies to protect yourself while globetrotting. If you want to get a free quote and chat with an agent about your options, give the team here at Healthedly a call.

December 19, 2022

Can Your Vision Affect Your Long-Term Mental Health?

General, Health, Self-care, Vision

Have you ever wondered if there is a correlation between your vision and your mental health?

Believe it or not, evidence exists that suggests that your eyesight can have an impact on your long-term mental health. For example, studies have shown that people with poor vision are at an increased risk of developing depression, anxiety, and other mental health conditions.

Poor vision can lead to decreased ability to participate in hobbies:

Poor eye health can limit an individual’s ability to participate in activities that they enjoy such as reading, watching television, or even driving a car. This can lead to feelings of isolation, frustration, and even low self-esteem. This can contribute to the development of mental health issues.

Issues with vision result in becoming accident-prone:

Additionally, people with poor eyesight may be more likely to experience accidents or injuries, which can lead to mental health issues. A person with poor vision may be more likely to trip and fall, resulting in physical injuries and subsequently, emotional trauma. These kinds of experiences can trigger feelings of fear, anxiety, and even post-traumatic stress disorder (PTSD).

Eye strain increases fatigue and headaches:

Furthermore, eye strain can also have a negative impact on mental health. The eyes are closely connected to the brain, and the constant strain of trying to see can lead to headaches, fatigue, and even eye strain. These symptoms can be frustrating and can lead to feelings of irritability and stress, contributing to mental health issues.

It is important to note that not everyone with poor eyesight will develop mental health issues. However, if you are experiencing vision problems, it is important to address them and seek treatment if necessary. This can help to prevent any potential negative impacts on your mental health and overall well-being.

In conclusion, your eye health can have an impact on your long-term mental health. People with poor eyesight are at an increased risk of developing mental health issues such as depression, anxiety, and even PTSD. It is important to address any vision problems and seek eye care if necessary in order to maintain good mental and ocular health.

Vision insurance can cushion any hefty bills incurred by a visit to the eye doctor. Are you looking for a vision insurance plan but have no idea where to start? Agents at Healthedly are standing by to assist you with any questions or concerns you may have. Enroll now so you can get your vision checked as soon as possible.

December 15, 2022

How to Identify Early Signs of a Stroke

General, Health, Health Resources, Medicaid, Self-care

In the U.S. today, strokes cause the majority of health complications. Recognizing the early signs of a stroke could be key in preventing serious injuries or fatalities from occurring. It could mean the difference in life or death, or mitigating severe effects caused by strokes.

Early warning signs of a stroke can be subtle. But equipping yourself with knowledge of these tells is crucial to saving yourself or a loved one.

Keep an eye out for:

Intense migraines
Loss of vision or impaired vision in one or both of the eyes
Numbness in the facial muscles
Numbness or sudden weakness in a leg or arm
Slurring speech or brain fog
Comprehension impairment, difficulty understanding
Increased dizziness or difficulty with walking

Keep the FAST acronym in mind if you suspect the onset of a stroke:

F – Facial muscles drooping or numb

A – Arm weakness or impairment–inability to use an arm or lift it up

S – Slurred speech

T – Time to call 911 and get access to the necessary medical attention

Being able to identify the early signs of a stroke means you can seek medical attention earlier in such a scenario. If you or someone in your family is worried about health insurance coverage and want to learn your options, reach out to a Healthedly agent by calling 855-522-2201.

December 7, 2022