IHC Specialty Benefits

11/24/2022

09/20/2022

What is the maximum out-of-pocket for the ACA 2023?

"For 2023, your out-of-pocket maximum can be no more than $9,100 for an individual plan and $18,200 for a family plan before marketplace subsidies. These numbers have been revised up for 2023, they were slightly lower, $8,700 and $17,400 respectively in 2022."

Whether you have $9,100 in savings or not, ask yourselves the following questions:

- How long did I save for my $9,100?
- Do I have to spend my $9,100 to pay for medical bills?
- Isn't that the cost of an awesome family vacation?
- Acapulco, Maui, Jamaica?
- Do I need to call Fernando ASAP?

Ancillary products are the answer. Accident and/or Hospital plans that could be less than $55 bucks. Protect your savings with a strategy, not with your fingers crossed!

832-266-9060.

09/14/2022

Uninsured people:

In 2020, 31.6 million (9.7%) people of all ages were uninsured at the time of the interview. This includes 31.2 million (11.5%) people under age 65. Among children, 3.7 million (5.0%) were uninsured, and among working- age adults, 27.5 million (13.9%) were uninsured.

https://www.cdc.gov/nchs/data/nhsr/nhsr169.pdf

09/12/2022

57% of Americans have less than $1000 in their savings account.

Use this link to determine how much accident insurance you can afford.

https://quote.ihcmarketplace.com/Agent/0900746/GetQuote?product=GapHealthInsurance

Don't get caught footing the bill because you didn't have health insurance.

Find yourself an accident plan that can keep your bank account from drying up.

Luck favors the prepared!

09/12/2022

57% of Americans have less than $1000 in their savings account.

Use this link to determine how much you can afford.

https://quote.ihcmarketplace.com/Agent/0900746/GetQuote?product=GapHealthInsurance

Don't get caught footing the bill because you didn't have health insurance.

Find yourself an accident plan that can keep your bank account from drying up.

Luck favors the prepared!

09/10/2022

Open enrollment is coming. There will be tons of agents looking to "close" the sale. Find someone you know and trust to point you in the right direction. Let's keep things simple.

Have a great weekend! Go Texans!

09/08/2022

Today is the best day ever. I have a wonderful family and all the important things are in place. If you feel the same way, great! If you have doubts, talk to someone that can help change it. God Bless.

09/02/2022

Company benefits that don't perform well is one of the biggest reasons employees are unhappy and leave. How can your business grow if you can't keep your employees? Let's figure it out together!




832.266.9060

08/31/2022

Starting a max cash whole life policy is a great way to pay for your daughter's future wedding. Make your money work for you! You'll be amazed how a small monthly investment can grow into a massive return. Life insurance can be used for all types of goals.



www.gardeniains.com

08/26/2022

It’s real simple, Supplemental and Life Insurance really boils down to buying dollars for pennies. Whether you encounter an accident or something life changing, not having the money is really going to impact the healing process in a negative way for you and your loved ones.
It’s embarrassing to ask your friends or family for a loan, and you don’t want to max out your credit card; that is to say you have enough of a limit to begin with. So let me ask you, do you choose a positive outlook and a quick recovery or a very stressful and uncertain outlook with a slow recovery? Whether you think something is going to happen or not is irrelevant. We can’t change the outside, we can only change ourselves. If you think it’s expensive now, wait till you get the bill for regret!

If you want to know how to be prepared. 832-266-9060

Send a message to learn more

08/16/2022

Stay well everyone. Have a great day!

08/15/2022

There are 100 million people out there that wish they did things differently and most had health insurance. Has this happened to you?

I help keep individuals, family's and businesses from falling into financial ruin.

So what does that look like and what can I do to avoid the pitfalls?

It makes all the difference in the world when you don't have to put medical bills on a high interest credit card.

It makes all the difference in the world when you don't have to dip into your hard earned savings to pay for expensive medical bills.

It makes all the difference in the world when you get out in front of the problem and you are prepared for anything that may come your way.

Because you don't need insurance now doesn't mean you won't need it later. And the second you do need insurance, 9 times out of 10. It's too late!

Pay now or pay later. The decision is entirely up to you!

Fernando Montoya - 832.266.9060

https://khn.org/news/article/diagnosis-debt-investigation-100-million-americans-hidden-medical-debt/