Cornerstone Benefit Solutions

07/14/2025

Do you need a health insurance broker that can help you save money on health insurance and also help you navigate the complex world of healthcare? If so, reach out to me. I can help!

A new study found that commercial insurers pay hospitals more than twice what Medicare does, with prices varying depending on local market factors such as hospital concentration and insurer competition.

04/29/2025

Reach out to me if you need help, advice, or new solutions.

Trump has repeatedly threatened a 25% tariff on pharmaceutical imports.

04/09/2025

Navigating Changes in ACA Plans and Enrollment for 2025:

As your friendly insurance broker at Cornerstone Benefit Solutions, I’m here to help keep you up to date with the latest developments in the world of health insurance. Our agency offers suite of valuable benefits and we get to know our customers needs and budget and then work to find the right benefits and price.

Additionally, we also provide helpful information on the insurance industry and or benefits to help our customers navigate, plan, and make good decisions.

The Affordable Care Act (ACA) continues to be a key source of health coverage for many individuals and families — but the rules around it are shifting - again! The Trump Admin is implementing several changes for the 2025 coverage year, and understanding them is essential to making the right choice for your health and budget.

Here’s a quick, pithy rundown of the most important changes to ACA plans and enrollment for 2025:

1) Shortened Open Enrollment Period: Open Enrollment will now run from November 1 to December 15 — this is a shorter window than in previous years. This gives consumers just 45 days to review, compare, and enroll in a plan for 2025. It’s more important than ever to be proactive and get help early to avoid missing your opportunity.

2) Expansion of Short-Term Health Plans (STM): the administration is continuing to push short-term health plans as a more flexible, lower-cost alternative to traditional ACA plans. These STM plans are currently limited to a maximum of 4 months coverage and can be renewed for 1 additional month time. Currently, bills are being drafted to allow STM plans to provide coverage up to 36 months in some states, with renewal options of another 12 month. Be aware, though — these plans don’t cover pre-existing conditions and may exclude essential benefits.

3) Elimination of the Individual Mandate Penalty: As of 2025, there is no federal penalty for not having health insurance. While this gives people more freedom to opt out, it also means fewer healthy people are in the insurance pool, which can lead to rising premiums in some markets.

4) Enhancements to Health Reimbursement Arrangements (HRAs): Employers can now use HRAs to help employees buy individual health insurance on the open market. This gives small businesses more flexibility and can increase plan choices for employees — but it also means employees need to be more engaged in comparing and selecting plans.

4) Subsidy Formula Adjustments: Changes in how subsidies are calculated may affect affordability, especially for those earning within the federal poverty level. It’s critical to review your eligibility carefully this year, as even small changes in income can impact what you pay.

5) More State Flexibility via Waivers: States are being given greater authority to design their own ACA alternatives through Section 1332 waivers. Depending on where you live, this could mean different plan offerings, premium structures, or even new types of subsidies.

6) Supplemental benefits: Health Insurance deductibles, co-pays, out-of-pocket expenses continue to rise and supplemental benefits become more important as they pay cash benefits to fill in the gaps that health insurance doesn't cover. Sadly, many don't know the need and value of Supplemental benefits until a claim occurs and then they find out how non-medical expenses can mount and create a financial hardship. Health insurance, in general, covers medical expenses, but Supplemental Benefits pay CASH benefits to you so you don't have to worry about the bills, just get better!

Insurance and changes can feel overwhelming, but that’s why I’m here. At Cornerstone Benefit Solutions, we specialize in helping you navigate the shifting healthcare landscape with confidence. I take the time to understand your needs and walk you through the options step by step — no pressure, just helpful advice.

If you have questions, need advice about your current plan, or want help finding the better benefits, reach out to me. Let’s make sure you’re covered for 2025 — with a plan that works for you, your family, and your budget.

03/19/2025

𝗛𝗲𝗮𝗹𝘁𝗵-𝗦𝗵𝗮𝗿𝗲 𝘃𝘀 𝗛𝗲𝗮𝗹𝘁𝗵 𝗜𝗻𝘀𝘂𝗿𝗮𝗻𝗰𝗲.
What's the difference and which is right for you?

Health sharing plans are an alternative to traditional health insurance. See the pros and cons of these plans to help you make an informed decision.

03/17/2025

Healthcare is complicated—getting the right coverage shouldn’t be. If you want an experienced agent to provide expert advice, local support, and help you avoid pitfalls like in this article, reach out to me today. I have 32 years experience and can simply your life and improve your outcomes. It's your move.

Explore how claim denial reason codes in medical billing impact the revenue cycle and how providers can prevent them.

03/14/2025

At Cornerstone Benefit Solutions, 𝐰𝐞 𝐩𝐫𝐨𝐯𝐢𝐝𝐞 𝐦𝐞𝐚𝐧𝐢𝐧𝐠𝐟𝐮𝐥 𝐯𝐚𝐥𝐮𝐞 𝐚𝐧𝐝 𝐬𝐮𝐩𝐩𝐨𝐫𝐭 to our clients — offering the same to those needing benefits.

Whether it’s:

💸 𝐒𝐚𝐯𝐢𝐧𝐠 𝐌𝐨𝐧𝐞𝐲,
🛠️ 𝐒𝐨𝐥𝐯𝐢𝐧𝐠 𝐩𝐫𝐨𝐛𝐥𝐞𝐦𝐬,
❤️ 𝐏𝐫𝐨𝐯𝐢𝐝𝐢𝐧𝐠 𝐜𝐮𝐬𝐭𝐨𝐦𝐞𝐫 𝐬𝐞𝐫𝐯𝐢𝐜𝐞

👉 We are here for YOU!

03/13/2025

🚨 Tired of Overpaying for Insurance with No Support? 🚨

With 32 years of experience in the health insurance industry, I’ve helped hundreds of individuals just like you find affordable, comprehensive coverage that works for their needs and budget. 🏆

🔑 Why Choose Us?

🏅 Over 3 decades experience navigating the insurance market
💬 Friendly support—no confusing jargon, just clear answers
📉 Save money—skip the ACA & internet agents / hassles
🏥 Nationwide coverage—PPO network of providers

We simplify your life, reduce your stress, and provide benefit solutions you can count on. We provide the details and advice you need to make an informed decision.

Got questions? ✅ I’m always here to help.
👉 Click below or schedule your FREE consultation today!

03/10/2025

Tired of Expensive Health Insurance?

You're Not Alone— there is a Smarter, More Affordable Option!

Over 1.7 million people have switched to health share plans — it’s been a game-changer.

✅ Lower monthly costs
✅ Enroll anytime of the year
✅ Great for those who need benefits
✅ Freedom to choose your own doctors
✅ Access to a nationwide PPO network for peace of mind
✅ A real sense of community instead of corporate red tape

With a health share plan, you're not just throwing money at a big insurance company. You’re part of a group of people helping each other cover real medical expenses—often for a fraction of the cost. It’s simple, it’s transparent, and it actually makes sense.

If you’re tired of overpaying for healthcare, it’s time to look at your options. I’d love to help you understand how a health share plan works—and let you determine if it’s the right fit for you or your family.

📩 Message me today or drop a comment below—let’s chat! You deserve better.

03/05/2025

Experience Matters When Searching For Health Insurance!

After 32 years in the industry, I’ve noticed too many people are:

• Paying too much for too little
• Frustrated & confused by plan options
• Unsure on how to find right carrier & plan
• Struggling to find a professional they can trust
• Disappointed in customer support they receive

👉 Does any of this sound familiar?
👉 Looking for an experienced pro you can trust?

I know finding the right health insurance, price, and broker isn’t easy; however, if you want someone that is experienced, truly understands the market, and someone that cares enough to get to know you and your needs, then you reach out to me.

I can help.

Here are just 3 of the many challenges people face when trying to find the right health insurance and what I can do to help:

1) Too Many Choices, Endless Frustration:

There are so many plans out there, each with different networks, deductibles, co-pays, and fine print. It’s no wonder people feel overwhelmed!

✅ Tired of one-size-fits-all health insurance?

👉 How I can help:

I take the time to get to know YOU — your needs, your doctors, prescriptions, budget, and lifestyle. Then, I shop the market on your behalf to find the "RIGHT" benefits — not just any plan, but the one that fits you.

📋 You'll get a customized proposal with clear, easy-to-understand options that align with your needs and your budget.

✅ Simply put, we do the work, simplify the complex, reduce your stress, and create the outcome you desire.

2) Balancing Coverage with Affordability:

Healthcare is expensive, and no one wants to overpay for coverage they don’t need—or worse, choose a plan that leaves them exposed to high out-of-pocket costs.

👉 How I can help:

I have access to many carriers and benefits and know where to look for cost-effective solutions. Whether it’s customizing a plan or exploring alternative options, I work to make sure you get the most for your money.

3) What Happens After You Enroll?

Have you ever tried calling a big insurance company with questions or need to file a claim? Well, too often people get long hold times, confusing answers, and passed around from one department to another—it’s so frustrating!

👉 How I can help:

My job doesn’t end once you pick a plan. I’m here year-round 📆 to help with claims, policy changes, and any questions that come up. You’ll always have access to me, someone who actually knows and cares about you. I will always work to make sure your plan works for you.

Why Work With An Experienced Broker?

At the end of the day, picking health insurance isn’t just about checking a box—it is about making sure you and your family have the coverage you need, at a price that you can afford. Additionally, it is essential to have a relationship with a broker that offers ongoing support when you need it most - at claim time!

If you are feeling unsure about your healthcare options, let’s talk!

✅ You don’t have to figure this out alone. I’m here to help.

• No pressure, no sales pitch
• Just real solutions that fit your life and budget

Health insurance should be more than a piece of paper, it should provide you peace of mind - and I’ll make sure it does.

Reach out if you'd like advice, new ideas, or help.

💬 Or, if you are ready for a health insurance experience that puts YOU first, send me a message — let's talk!

09/19/2024

This article is worth the 3 min it takes to read it - impactful and beneficial. As they say, what you drink and eat matters!

What you drink, and how much you drink, can affect your kidney function. Learn how coffee and other drinks affect your kidneys — in both good and bad ways.

09/12/2024

🚨 Confused About Health Insurance? We’ve Got You Covered! 🚨

With so many options, costs, and fine print, navigating health insurance can feel overwhelming. 🤯 But it doesn’t have to be!

👉 Do you need affordable health benefits?
👉 Confused about plan options — HMO, PPO, or HDHP?
👉 Not sure how to balance premiums and out-of-pocket costs?
👉 Need help finding the right coverage that fits your needs?

At Cornerstone Benefit Solutions, we are carrier-neutral and client focused - which means we focus on what’s best for YOU. We’ve been helping people like you make smart, confident decisions for over 32 years now.

💡 Have questions or need personalized advice? Let’s chat!
📞 Call (706) 289-1198 or Message us so we can help.

We’ll make health insurance simple and clear — just the way it should be!

01/10/2024

Find out how we can make your journey to better benefits easier and save you money too. Contact us today!