HealthMarkets - Sandra Hoy

02/20/2021

If you're a surviving spouse or estate executor for someone who died in 2020 follow IRS rules to file a final income tax return, take RMDs and more.

02/18/2021

A new Open Enrollment Period for those under age 65. Call or text me for assistance.
678-848-8872

The CMS on Monday opened a special enrollment period for Affordable Care Act coverage to help millions of Americans who lost their health insurance and employer-based coverage during the pandemic. Uninsured Americans can sign up via HealthCare.gov or through their states' own insurance marketplace p...

02/11/2021

Does your financial advisor offer insurance products as part of your
your portfolio to minimize risk? Need money for your reirement?This article
offers good insight to how insurance can be beneficial.

Insurance products need not be "one size fits all."

01/25/2021

What’s Behind a Healthy Smile – Why Everyone Needs Dental Insurance
​Many people take a bright, white smile for granted. Healthy teeth aren't just important for aesthetic reasons, though. In fact, your oral health can reveal quite a lot about your overall health, and it's important to know what it's saying. Getting regular dental exams, along with brushing and flossing daily, are the best ways to do this, but seeing a dentist twice a year can be expensive. That's where dental insurance comes in.​

An Unhealthy Mouth Can Indicate Bad Health

Without a good oral health care regimen and at least biannual dental exams, bacteria in your mouth can get out of control, causing tooth decay and gingivitis, a type of gum disease. Over time, the situation can worsen and cause periodontitis, a more severe gum disease, which can even play a role in heart disease. And, because your mouth acts as a window into what's going on in the rest of your body, it can help detect the early signs of systemic diseases like AIDS or diabetes. In fact, according to the Academy of General Dentistry, more than 90 percent of systemic diseases have symptoms that are initially present in your mouth.

Bad Teeth Cause Pain

While it may sound a bit obvious, neglecting your dental health can result in more than just ugly teeth – unhealthy teeth can cause extreme pain, especially as cavities form and gum recession occurs from worsening gum disease. Unfortunately, the longer you let an unhealthy mouth go without proper dental care, the worse it becomes, and the more costly it is. That's why it's essential to address any issues early on.

How Dental Insurance Helps

Just like eating healthy food, exercising regularly, and getting an annual physical are good ways to stay healthy, so is having dental insurance. One benefit of having dental insurance is that it often provides coverage for preventive care. This makes it much easier to keep your teeth healthy and prevent issues like gum disease from occurring or becoming more severe if already present. While dental insurance requires an initial investment, having healthy teeth as a result of seeing the dentist regularly, even if you end up needing major dental work in the process, is much cheaper with insurance than what you'd pay out of pocket without it.

It's important to remind your clients of the role their dental health plays in relation to their overall health. This is especially true considering the price of not having insurance – teeth that are not only unhealthy, but that could also be causing other health issues. Consider this: according to the Surgeon General, 164 million work hours are lost each year because of dental problems, and treating issues before they become too painful or out of control can result in more productive employees.

Looking for ways to keep your family healthy? Eating good food, exercising regularly and scheduling annual exams with the doctor are a good way to start. Buying dental insurance and using your dental benefits is another. Twice annual dental visits keep both your teeth and body healthy. Studies tell....

01/03/2021

It's a New Yar so whyy not start with a clean house.

You probably know at least one person whose home is always clean, neat, and well organized. If you are that person, hats off to you! Anyway, people with perpetually clean homes generally abide by the same unspoken rules. These are six things people with super clean homes would never dream of doing!....

12/30/2020

This may affect you if you ave cancer.

The lawsuit also points the finger at the School Board of Pinellas County for applying Aetna's policy, alleging it sacrifices the interests of policyholders.

12/11/2020

Saving money in this time of the pandemic has never been more important to many people.
If you are 65 years or older, have both Part A and Part B of Medicare, you may qualify for an Advantage plan that offers
many benefits you won't get in a Medicare Supplement plan. One of those benefits is prescription drug coverage
at no additional cost. But that's not all. Call me to see if you qualify for a plan with Zero monthly premium and
prescription coverage - 678-848-8872.

Medicare beneficiaries are drawn to Medicare Advantage plans with prescription coverage and coronavirus benefits can also be a draw.

08/10/2020

CMS is lowering premiums for individual health insurance market and group health insurance market on the Affordable Care Act exchange.

08/05/2020

Stay tuned for more information!

The CMS has said it will allow health insurance providers to offer temporary premium reductions for individuals with coverage in the individual and small group markets to ensure continued coverage amid the COVID-19 pandemic. The policy will be in effect until the end of this year.

07/22/2020

Going to the beach? How about the pool? Here are some reminders.

Coronavirus disease 2019 (COVID-19) is a virus (more specifically, a coronavirus) identified as the cause of an outbreak of respiratory illness first detected in Wuhan, China.

05/09/2020

Grandchildren are precious! As much as we want to hug and squeeze them we need to protect ourselves from them and protect them from us during this time. Remember to shelter in place if you can.

I received my Bachelor of Social Work in Michigan and spent several years working with drug addicts and alcoholics and their families. Seeking a more positive working environment, I moved to financial services. I learned the ins and outs of the stock market as an Operations Manager and Broker. I lea...