Benefit Specialists LLC

Benefit Specialists LLC Specializing in Employee Benefits Solutions!

05/06/2024

Medicare does necessarily cover all your medical needs (hearing aids are one such example). When creating your policy, we help you understand the extent of your Medicare coverage, and if there any affordable alternatives.

05/03/2024

When you're selecting your new personal health insurance plan, you might see the phrase "Co-insurance." When co-insurance kicks in, it means that a percentage of the costs are covered. For example, 20% co-insurance means you pay 20% and the insurance company pays the other 80%.

05/01/2024

Unlike individual insurance plans, group health insurance cannot be canceled because of illness. “Guaranteed renewal” means that all of your employees are protected and will have access to their health insurance benefits when they need them.

04/29/2024

Singer and songwriter Pete Seeger said, “Any darn fool can make something complex; it takes a genius to make something simple.” We don’t claim to be geniuses, but we can explain the intricacies of Medicare in simple terms that are easy to comprehend.

04/26/2024

Have you been hesitant to look for a new health insurance policy because you don’t understand all the terminology used to describe different plans? Rest assured that we’re always available to help clarify anything that may not be clear to you.

04/24/2024

When it comes down to it, you pay for group health insurance in two ways. This includes the monthly premium that comes out of your paycheck each month and also the share of costs you pay out of your own pocket when you receive care (in the form of deductibles, coinsurance, and copays).

04/22/2024

Medicare Advantage more closely resembles insurance plans available to those who aren’t retired and who are covered by more extensive health care programs. For example, many offer fee for service plans that offer the maximum flexibility in choosing doctors and care facilities.

04/19/2024

To provide your employees with the best options available, it can help to offer them a choice of several different health insurance plans, such as fee-for-service plans, HMO plans, and PPO plans.

04/17/2024

Did you know that people without health insurance have a statistically greater risk of dying? This is because people without coverage tend to put off regular check-ups that could catch life-threatening illnesses early.

04/15/2024

Did you know that nearly 50 million Americans are enrolled in Medicare? This means that many seniors get some or all of the health care coverage they need from the program. The Affordable Care Act ensures that Medicare is protected until at least the year 2029.

04/12/2024

Federal law requires that insurers offer preventive care such as mammograms, colonoscopies, and screening for prostate cancer without charging a co-pay. However, access to that type of care is more difficult for people without health insurance.

04/10/2024

So what happens when you have Medicare and then you buy a Medigap policy as well? Basically, Medicare pays its share for covered healthcare costs and then your Medigap policy jumps in and pays its share.

Address

Columbia, MO
65202

Opening Hours

Monday 8:30am - 5:30pm
Tuesday 8:30am - 5:30pm
Wednesday 8:30am - 5:30pm
Thursday 8:30am - 5:30pm
Friday 8:30am - 5:30pm

Telephone

+15734466133

Website

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