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Mike Longley, Fort Lauderdale, FL (2026)

11/29/2023

What is the difference between the types of health insurance networks?

A health insurance network largely refers to the area or radius of coverage a health plan offers (where you can receive services) and the cost of the policy.

For example, HMOs (Health Management Organizations) usually offer a limited network of doctors and hospitals within your city or county of residence and are the types of health insurance plans usually offered through The Marketplace or your employer.

Preferred Provider Organizations, also known as PPOs, typically offer the largest networks of providers, especially if you select a PPO on a nationwide network. Meaning you have access to almost any hospital, doctor, or provider within the United States. These types of plans are usually private but you could save hundreds of dollars if you don’t have any major health conditions.

Figuring out the best type of health insurance plan for us can be tricky, but a list of your essential needs and budget can be very helpful when narrowing down options.

Whether you are looking for an individual or self-employed health plan, a family health plan, or health insurance options for your small business, I can point you in the right direction.

Contact me to schedule a free consultation!

11/20/2023

The cost of living is increasing, and so are health insurance costs.

Regardless of where you get your health insurance from, chances are you will be paying more out of pocket this year, and that is not even taking into consideration adding family members onto your policy.

Before renewing or selecting a new plan, make sure it meets your most basic health needs and those of your family, as the scope of coverage can change yearly.

You might find that keeping your employer coverage is the best choice because it covers any preexisting conditions you or your family members might have or that a health plan through The Marketplace, better known as Obamacare, is your best choice financially.

But what happens when health insurance costs are prohibitive through an employer, and everyone in your plan is relatively healthy? Or what happens when you don't qualify for tax credits through The Marketplace because you make a bit more than "you should" and feel frustrated for paying for a plan you barely use?

For that, you have private health insurance.

If you do not have any major preexisting conditions, you may qualify for private health insurance plans and save up to 40% or more on your monthly premiums.

If you are looking for flexibility, traveling often, self-employed, or a small business owner, a private plan with a nationwide provider network could be just what you need.

DM me to schedule a free consultation!

11/02/2023

OPEN ENROLLMENT IS NOW!!

If your employment insurance premiums are through the roof or your letter of increase left you running for the hills, it might be time to look into a private health option.

There is a misconception that private health plan costs are prohibitive, but that is often not the case. Private health plans are ideal for travel nurses, locum tenens, real estate agents, small businesses, or anyone looking for plans that can be customized to fit their needs.

If you are relatively healthy and would like a plan that offers flexibility, an extensive network of doctors, and does not take income into consideration to calculate rates, contact me!

I have almost ten years of experience helping others navigate the health insurance selection process and can point you in the right direction.

10/30/2023

Open enrollment is here, along with the stress of choosing a decent health plan among hundreds of options.😨

But how do you know which is the best plan for you? Well, it all depends on your personal circumstances and needs.

When you are ready to jump into the health insurance arena, take the following factors into consideration:

Cost: Health insurance premiums can vary widely, so it is essential to compare plans to find one that fits your non-negotiable needs and budget. 💵

(Make a list of the type of specialists you need, procedures, and medications--the copays and deductibles you must satisfy for each.)

Coverage: Make sure the plans you are looking at cover the services you need, such as doctor visits, any particular specialists, procedures, hospital stays, and medications. ☔

(Even if you decide to renew your old insurance, make sure your doctors and medications are still covered, as provider contracts are renewed yearly.)

Network: Consider the network of doctors, hospitals, and pharmacies that are covered by the plan.

Based on your needs, do you benefit more from an HMO, EPO, or nationwide PPO network? You want to ensure you can easily access the care you need, whether traveling often throughout the country or your home state. 🚗 ✈️

⚠️ ALWAYS look at your max out-of-pocket; this is the most you will have to pay out of pocket in a year should you have any significant medical expenses or emergencies.

If you need guidance in finding health insurance that is not based on your income or tied to any employer, reach out for a complimentary consultation!

09/29/2023

If you are self-employed, it is essential to get health insurance. A health insurance plan is a way to protect yourself and your family from long-lasting financial hardships if you get sick or injured.

Some benefits of having health insurance as a self-employed person are peace of mind, financial protection, and access to quality care.

If you are self-employed, a real estate agent, travel healthcare professional, consultant, or contractor, I encourage you to get health insurance. It is an essential investment in your health, peace of mind, and financial future.

Please share with your family, friends, or anyone who could benefit from a health plan with an extensive network of doctors and hospitals available nationwide.

I look forward to helping you choose the best health insurance benefits for you, your family and your small business.

- Mike

09/08/2023

Research from Penn State College of Medicine reports that eating a lot of fat can make it harder for your brain to tell you when you're full because fat can damage cells in the brain called astrocytes that help control hunger.

When these cells are damaged, the signaling pathway between your brain and your gut is disrupted, and you might not feel full even after eating a lot.

Understanding the brain’s role and the complex mechanisms that lead to overeating, a behavior that can lead to weight gain and obesity, could help develop therapies to treat it.

Obesity is a global public health concern because it is associated with an increased risk of cardiovascular diseases and type 2 diabetes.

Eating a healthy diet with plenty of fruits, vegetables, and whole grains can help protect your brain from the damage caused by fat.

Ref: Neuroscience News & The Journal of Physiology

08/02/2023

I'm in the business of helping people gain peace of mind every day.

07/03/2023

Are you a travel nurse or a healthcare professional looking for private health insurance with nationwide coverage?

Look no further than PPO Network health plans! With access to a network of providers across the country, you can have peace of mind no matter where your career takes you.

Having private health insurance eliminates the need to change insurance plans every time you switch agencies or go on extended vacations, and best of all, you can wave goodbye to those annoying lapses in coverage!

DM to schedule a complimentary consultation!

- Mike Longley

06/22/2023

The best health insurance for independent contractors and self-employed individuals depends on a number of factors, including your budget, your health needs, and your location. However, some of the most popular options for 1099 contractors include PPO Networks.

PPOs or Preferred Provider Organizations are an excellent option for self-employed individuals because they offer more flexibility than other types of plans, such as HMOs and EPOs.

As a self-employed individual, you might often travel for work and may not be able to find a doctor or specialist in your network when traveling outside of your coverage area. With a PPO, you can see almost any doctor or specialist in its extensive nationwide network.

PPOs are also a good option for self-employed individuals because they are generally more affordable than other types of plans. The premiums for PPOs are typically lower than the premiums for HMOs, and the out-of-pocket costs are also lower.

Want to learn more about PPO plans? Drop a comment or send me a DM

— Mike Longley

06/13/2023

Tips for managing your health insurance deductibles:

👉 Make sure you understand your health insurance plan's coverage.
👉 Consider using a health savings account (HSA).
👉 Shop around for health insurance plans —compare your options. The assistance of a health insurance advisor can make the process a lot easier.
👉 Take advantage of preventive care, which is usually covered at 100%.

ℹ️ If you have a high deductible, consider paying for your medical expenses out of pocket and then submitting a claim to your insurance company. This can help you save money on your premiums in the long run.

06/06/2023

New research shows that a popular bean could be "comparable" to a statin in slashing cholesterol.

Packed with a variety of vitamins and minerals, soybeans have been linked to a lower risk of cardiovascular problems like heart disease and stroke.

Research published in the journal Antioxidants found that consuming soy flour rich in the protein B-conglycinin has the potential to reduce "bad" cholesterol levels and other lipid levels by as much as 70%.

(💡Think tofu, soymilk, soybean flour, and many other products derived from the soybean -- it's crucial to note the soybean variety and their protein levels offer different benefits.)

Soy can also lower the risk of metabolic diseases such as fatty liver disease and atherosclerosis, which is the hardening and narrowing of your arteries caused by cholesterol build-up.

The author of the study Elvira de Mejia said: "The digested soybeans' peptides were able to reduce lipid accumulation by 50% to 70%, and that's very important. That was comparable to a statin, which reduced it by 60%."

Source: MDPI, Antioxidant Journal

Mike Longley

11/29/2023

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