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“OnlyHealthInsurance believes that Medicare Supplement insurance is, in part, the best approach for creating a comprehensive healthcare package.”
Phil Dougherty, President, OHI
Medicare Supplement Enrollment Rules
Another Medicare Part D annual open enrollment season, when changes can be made to prescription drug plans, has now come and gone. Unless certain life events occur, changes to drug plans must now wait till the next open enrollment later this year (October 15 –...
Keeping your health plan current.
A belated Happy New Year! Now that your health insurance is in place for another year, I hope it provides you the peace of mind you were looking for and that you’ll have little need of it. What’s important now is to keep your plan active. A plan termination due to an...
Best ways to check if your providers participate in the network for “off-exchange”, non-CoveredCA plans.
Ensuring your “must have” providers are in your health plan’s network is not as easy as it should be. Some PPO carriers have gone to narrower networks (namely Anthem Blue Cross, Blue Shield and CIGNA) so it’s important to check provider participation. Although...
Medicare’s Part B Increase in 2016
The recently adopted balanced budget legislation included a last minute gift to 30% of Medicare beneficiaries. It was more of a gesture than a gift, because it didn’t eliminate a Medicare Part B increase for 2016 entirely, but reduced the amount significantly. All...
Annual Open Enrollment
The annual open enrollment period is upon us when you can evaluate plans in the new insurance marketplace and replace your existing policy if you so choose. Like in previous years there will be mandated changes to standard plan benefits for the next plan year. These...
Medicare Part D Special Edition
Well, it’s that time of year, again! Open Enrollment for Medicare Prescription Drug Plans (Part D) starts October 15 and runs through December 7, 2015. This is the period when you can enroll in a plan for the first time or change your plan for the 2016 calendar year....
Open Enrollment starts November 1!
The annual health insurance open enrollment period is fast approaching! This is the time when individuals and families already enrolled in ACA-compliant coverage can review their health insurance and make a plan change, and when those without coverage can enroll as...
Dental Insurance – Is it worth it?
If you are like the millions of Americans who don’t have dental insurance provided by an employer, you may wonder why there aren’t more “reasonable” insurance products available in the individual market. There is no shortage of individual dental plans; all medical...
Mergers & Acquisitions
Last month the Supreme Court ruled the ACA law (Obamacare) did not misstep in providing subsidies to residents of states with no state-run exchange (see June 29 blog entry, “Supreme Court decides to keep ACA subsidy”). A defeat could have led to a dismantling of the...
Preventive Care for Healthy Living
We know the growing importance of preventive care services as we age. Although slow to come around, Medicare has expanded its preventive care, including a Welcome to Medicarephysical exam within the first year of enrollment. You can read about Medicare’s preventive...
Testimonials
“Wow! Talk about fast and easy! Made an appointment with Phil through his website; he called me at the exact time of our appointment, was friendly, knowledgeable, and professional. He explained the coverage to me and from start to the finish of receiving an email with my policy info…. 20 minutes!!! I may just travel abroad more often now! Thanks Phil!
“I’d like to give Phil more than 5 stars for his incredible customer service and knowledge. Because he was on the ball and watching out for me (unasked), he saved me from going into a health plan that was not right for me. He called me out of the blue to confirm that the changes I made to my healthcare plan were what I wanted. I had misunderstood the differences (no thanks to Blue Shield rep) and Phil saved the day. Thank goodness he is my broker. He should be yours too.
“I was searching for weeks for affordable health care and Phil Dougherty and his team got me covered right away! My family was considered high risk and he took care of us from beginning to end. He was always available by phone to talk and did all the paperwork for us. He was a godsend during the many changes happening in healthcare! I highly recommend Phil for helping you find the best health care for you and your family. “