Allison & Associates Insurance-Medicare Advisor : Scott Allison

Allison & Associates Insurance-Medicare Advisor : Scott Allison Health Insurance Advisor

06/15/2026

A conversation I've been having with small business owners lately is whether a traditional group health plan is still the best option for their team.
For many employers, an ICHRA (Individual Coverage Health Reimbursement Arrangement) is proving to be a better fit.
Here's why:
• It gives you more control over your healthcare budget. You decide how much to contribute rather than being tied to annual group plan rate increases.
• Your employees get to choose the health plan that works best for them and their families instead of everyone being placed into the same plan.
• As your business grows and changes, your benefits strategy can grow with it.
• You can still offer a meaningful health benefit while reducing some of the complexity that often comes with managing a traditional group plan.
The biggest takeaway? An ICHRA creates flexibility for both the employer and the employee.
It's not the right solution for every company, but for many small businesses looking for a more predictable and personalized approach to healthcare benefits, it's worth exploring.
Have you looked at an ICHRA for your business yet? I'd be happy to help you determine whether it makes sense for your team.

06/11/2026

One question I get fairly often is:
"What's the difference between a Short-Term Medical plan and a Marketplace health plan?"
The answer is: they serve different purposes.

A Short-Term Medical (STM) plan is designed to provide temporary coverage when someone is in transition—maybe they're between jobs, waiting for employer benefits to start, recently graduated, or missed an enrollment period.
Because these plans are temporary, they typically have lower monthly premiums. However, it's important to understand that they don't offer the same level of coverage as a Marketplace plan.
Here are a few key differences...

-Marketplace (ACA) Plans:
Cover pre-existing conditions
Include essential health benefits like preventive care, maternity care, mental health services, and prescription drugs
Cannot deny coverage based on health history
May qualify for premium subsidies based on income

-Short-Term Medical Plans:
Often have lower monthly costs
Can require health questions during the application process
May exclude pre-existing conditions
Typically offer more limited benefits and are intended for temporary situations

Neither option is inherently "better"—it depends on your circumstances, health needs, and budget. The most important thing is understanding what you're buying before you enroll. A lower premium can be attractive, but knowing what is and isn't covered can make a huge difference when you actually need care.
If you're evaluating your options and aren't sure which type of plan makes the most sense, feel free to reach out. I'm always happy to help people understand their choices and make informed decisions.

06/08/2026

Did you miss the Open Enrollment for Health Insurance Marketplace coverage?
You may still be able to enroll if you experience a Qualifying Life Event (QLE) that triggers a Special Enrollment Period (SEP). Common qualifying events include getting married, having a baby, adopting a child, moving to a new area that offers different health plan options, losing qualifying health coverage such as employer-sponsored insurance, COBRA, Medicaid, or CHIP, gaining lawful presence or citizenship status, being released from incarceration, or experiencing certain changes in household income that affect eligibility for Marketplace savings.
In most cases, individuals have 60 days from the date of the qualifying event to enroll in a Marketplace health plan. Documentation may be required to verify eligibility for a Special Enrollment Period. If you've experienced a major life change, don't assume you have to wait until the next Open Enrollment Period—review your options and determine whether you qualify for coverage today.

Always an honor to be nominated!
06/07/2026

Always an honor to be nominated!

06/04/2026

One of the most common questions I hear is:

"If I enroll in a Medicare Advantage plan, do I still have Medicare?"

The answer is yes.

Many people think Medicare Advantage replaces Medicare, but that's not actually how it works. When you enroll in a Medicare Advantage plan, you're still in the Medicare program—you've simply chosen a different way to receive your Medicare benefits.

Here's what that means:

🔹 Medicare Part A helps cover hospital-related services, including inpatient stays, skilled nursing care, hospice, and certain home health services.

🔹 Medicare Part B helps cover doctor visits, outpatient care, preventive services, and many medically necessary healthcare services.

🔹 Medicare Advantage (Part C) combines your Part A and Part B benefits into a plan offered by a private insurance company that contracts with Medicare.

When you join a Medicare Advantage plan, the insurance company administers your Medicare benefits, but you still remain a Medicare beneficiary. You'll continue paying your Part B premium (and Part A premium if applicable), and your plan must provide coverage for all Medicare-covered services.

Many Medicare Advantage plans also include additional benefits that Original Medicare doesn't typically cover, such as prescription drug coverage, dental, vision, hearing, and wellness programs.

The most important thing I want people to understand is this: Medicare Advantage is not separate from Medicare—it is a different way to access your Medicare benefits.

Taking the time to understand how these pieces fit together can make the Medicare decision process much less overwhelming and help you choose coverage that best fits your healthcare needs and budget.

06/01/2026

One of the most common misconceptions I hear is that everyone must enroll in Medicare the moment they turn 65.
The reality is that many people continue working past age 65 and may have employer-sponsored health coverage that affects their Medicare enrollment decisions. Depending on the situation, delaying enrollment in certain parts of Medicare may be an option.
That's why I always encourage people to understand their specific circumstances before making any decisions. Factors such as employer size, current health coverage, and enrollment timelines can all play a role. Missing important deadlines could result in penalties or coverage gaps down the road.
My goal is to help educate and provide accurate information so individuals can make informed decisions about their healthcare coverage.
As always, Medicare compliance is important. Every situation is unique, and what works for one person may not be the right choice for another.

Lost your health insurance? You may qualify for a Special Enrollment Period and still have time to enroll in a new healt...
05/18/2026

Lost your health insurance? You may qualify for a Special Enrollment Period and still have time to enroll in a new health plan. You may also have access to Short Term Medical plans for temporary coverage while you transition between plans or jobs.

✔️ Explore ACA and Short Term Medical options
✔️ Compare plans, benefits, and costs
✔️ Get coverage that fits your current needs
✔️ Enroll before your deadline ends

Having coverage can help protect you from unexpected medical expenses and keep you connected to the care you need. Don’t wait — explore your options today.

05/13/2026

Why Long-Term Care Planning Matters More Than Ever
Most people spend years planning for retirement… but forget to plan for the possibility of needing long-term care. The reality is, long-term care can quickly become one of the biggest financial challenges families face.
- Nearly 70% of Americans age 65 and older will need some form of long-term care during their lifetime.
- Nursing home care now averages around $10,000 per month in many parts of the U.S.
And here’s the part many families don’t realize:
Approximately 62%–63% of nursing home residents rely on Medicaid to help cover the cost of care after exhausting much of their savings and assets.
Long-term care planning isn’t just about protecting money — it’s about protecting:
- Your retirement income
- Your spouse and family
- Your independence and choices
- The legacy you want to leave behind
Having a sound financial strategy today can help prevent difficult financial decisions tomorrow.

Blessed to be able to support Fellowship Missions on a beautiful day at Tippecanoe Golf Club!
05/11/2026

Blessed to be able to support Fellowship Missions on a beautiful day at Tippecanoe Golf Club!

Life is unpredictable—but protecting the people you love doesn’t have to be.Life insurance isn’t just a policy. It’s a p...
05/04/2026

Life is unpredictable—but protecting the people you love doesn’t have to be.

Life insurance isn’t just a policy. It’s a promise. A promise that your family can stay in their home, cover everyday expenses, and move forward—even if the unexpected happens.

It’s not about thinking the worst—it’s about planning for peace of mind. Whether it’s paying off debts, funding your kids’ education, or simply giving your loved ones financial stability, life insurance is one of the most important steps you can take today for tomorrow.

Because real love plans ahead. 💙

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301 W Van Buren Street
Columbia City, IN
46725

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