London Meyers- Health Advisor

London Meyers- Health Advisor Health Care Coverage that fits your needs.

Insurance Terms to Know- Waiting PeriodA waiting period is the amount of time an insured must wait before some or all of...
03/10/2020

Insurance Terms to Know- Waiting Period

A waiting period is the amount of time an insured must wait before some or all of their coverage comes into effect. The insured may not receive benefits for claims filed during the waiting period. Waiting periods may also be known as elimination periods and qualifying periods.

For insurance, a waiting period is the amount of time an insured must wait before some or all of their coverage comes into effect.

Health Insurance Terms to Know- RiderBenefit Riders: This term may be used to describe ancillary products purchased in c...
03/09/2020

Health Insurance Terms to Know- Rider

Benefit Riders: This term may be used to describe ancillary products purchased in conjunction with a medical insurance plan.

Get definitions for common health insurance expressions and terms for a better understanding of medical insurance terminology.

03/05/2020

Health Insurance Terms to Know- Short Term Insurance Policy

Short term health insurance is a type of health plan that can provide you with temporary medical coverage when you are between health plans, outside enrollment periods, and need some coverage in case of an emergency. However, to get the most out of a short term health plan, you need to understand how they work, what they cost, and what they cover.

Short term health insurance coverage varies greatly depending on the plan and the insurance company you buy from. These types of plans are not required to comply with Affordable Care Act (ACA) guidelines. ACA plans are required to provide certain levels of coverage—called minimum essential coverage. Short term health plans are not required to meet the same standards.

Short term medical insurance typically provides some level of coverage for: preventive care, doctor visits, urgent care, and emergency care. There may also be coverage for prescriptions. Some plans also offer cost savings for seeing in-network providers. Make sure to read the “exclusions and limitations” information before buying any plan. This will tell you what’s covered and not covered by a certain plan.

Short term health insurance provides temporary medical coverage when you are in between plans. Learn more about short term health plans to decide if it’s right for you.

Health Insurance Terms to Understand- PremiumThe amount you pay for your health insurance every month. In addition to yo...
03/04/2020

Health Insurance Terms to Understand- Premium

The amount you pay for your health insurance every month. In addition to your premium, you usually have to pay other costs for your health care, including a deductible, copayments, and coinsurance. If you have a Marketplace health plan, you may be able to lower your costs with a premium tax credit.

When shopping for a plan, keep in mind that the plan with the lowest monthly premium may not be the best match for you. If you need much health care, a plan with a slightly higher premium but a lower deductible may save you a lot of money.

After you enroll in a plan, you must pay your first premium directly to the insurance company

Learn about premiums by reviewing the definition in the HealthCare.gov Glossary.

Health Insurance Terms to Understand- DeductiblesThe amount you pay for covered health care services before your insuran...
03/03/2020

Health Insurance Terms to Understand- Deductibles

The amount you pay for covered health care services before your insurance plan starts to pay. With a $2,000 deductible, for example, you pay the first $2,000 of covered services yourself.

After you pay your deductible, you usually pay only a copayment or coinsurance for covered services. Your insurance company pays the rest.

-Many plans pay for certain services, like a checkup or disease management programs, before you've met your deductible. Check your plan details.

-All Marketplace health plans pay the full cost of certain preventive benefits even before you meet your deductible.
Some plans have separate deductibles for certain services, like prescription drugs.

-Family plans often have both an individual deductible, which applies to each person, and a family deductible, which applies to all family members.

-Generally, plans with lower monthly premiums have higher deductibles. Plans with higher monthly premiums usually have lower deductibles.

Learn about deductibles by reviewing the definition in the HealthCare.gov Glossary.

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1201 N Watson Road Ste 210
Arlington, TX
76006

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