Holt Health Insurance

01/15/2026

Yes, I am trying to retire but I got to take care of my peeps. If you have a BlueCross Blue Shield BlueAdvantage plan, please be aware that the dental network has changed. You may have received a letter from BCBS, like Jerry & I did, that said your dentist is no longer in network. What are you to do? Here are my suggestions:
1) Call your dentist. Ours is working on getting approved for the new network but it may take up to 30 days. If you have work scheduled, try to reschedule until the situation is resolved.
2) If your dentist is not going to contract with the new network and you need a new dentist, look up dentists who are in network by going to bcbst.com. Click on "Find Care." Put in your zip code and use network "Dental M 2026." VERY IMPORTANT. Don't use BlueAdvantage network.
3) If you want to switch your plan so you can stay with your dentist, you may be able to use the Medicare Advantage Open Enrollment period. This is a last resort since Medicare Advantage options are not as great as they were a few years ago. Buying a separate dental policy may be easier.
You are welcome. Your retired health insurance agent.

Send a message to learn more

06/17/2025

What do health insurance agents do when it is not open enrollment? Enjoy this little peak into my world.

The health insurance business is very cyclical. We have open enrollment in the fall and then we have ROY, rest of year. Our business is a lot like that of an income tax accountant. We are either working hard or we are ha...

10/09/2023

It is open enrollment time of year. This year the buzz is about Cigna being out-of-network with HCA/TriStar. Let's clarify this situation a bit. Big insurance companies like Cigna have multiple networks. They have a network for their employer customers. They have a Medicare Advantage network and they have a marketplace network for their individual and family coverage. HCA/TriStar will still be in-network with employer plans and Cigna's Medicare Advantage plans. ...
HCA/TriStar will be out-of-network on Cigna's marketplace network called "Cigna Connect." This is not great news if you have one of these plans and live in the neighborhood of a TriStar hospital but you will still have great hospitals in-network with Ascension St Thomas and Vanderbilt. If you are having a life-threatening emergency, always go to the closest hospital regardless of network status....
In most cases, this situation only applies to the hospital itself and not providers who happen to have an office in the hospital building. A good practice is to always check your providers prior to scheduling an appointment by using the insurance company's app or online lookup tool.

06/22/2023

And so it begins...the recent Inflation Recovery Act gave the government power to negotiate drug prices targeted at lowering Medicare/Medicaid costs. Changes to Part D drug coverage are slated to begin in 2025 including an out-of-pocket cap on medications at $2000 per year. Many drugs taken by seniors are priced in the $500 to $1500 per month range. Many of these drugs are advertised heavily on TV. Keep an eye on this. The drug companies are not going to give up their multi-BILLION dollar profit per year without a fight. ..
This will effect all Americans either through the price they pay at the pharmacy, the price of health insurance premiums or the taxes they pay to the IRS. Someone pays to support these profits and a big chunk is paid by the federal government, i.e. taxpayers.

The lawsuits are the opening salvo in a historic and potentially decisive battle over Medicare's efforts to bring rising drug prices under control.

02/20/2023

Heart disease is not just something that happens to men. Heart disease in women has different symptoms than in men and is sometimes ignored. I will be wearing red for my mother-in-law who sought treatment for chest pains and was sent home to die later the same day.

01/27/2023

CMS has recognized me as a member of the Marketplace Circle of Champions for 2023 after helping more than 20 consumers enroll in Marketplace coverage. As a , I’m excited to help consumers find and access quality health coverage. Thanks for your support during this year's open enrollment! If you did not enroll, you still can if you qualify for a special enrollment period such as loss of coverage or low income status. Find more info at my website -- holthealthinsurance.com.

10/22/2022

New standardized plans coming for next year. Current expanded premium tax credits will continue. Don’t miss your opportunity to sign up!

09/25/2022

You usually only have 63 days to make a change during your special enrollment period. If you need help, just ask.

Check your eligibility

08/09/2022

Change is hard, isn't it? Well, we have a big one coming October 1. All agents who sell Medicare Advantage and Medicare Part D drug plans will be required to record and store all marketing phone calls. Thanks, Joe Namath, and all those "call and check your zip code" ads! So, to be compliant, I have a new phone system and a new phone number. You can still call my cell phone if you just want to chat about the weather or my grandkids but, if you ask about Medicare products, I will have to call you back on the recorded line and read a disclaimer. It's going to be fine. Just be patient and understanding as I learn a new way of doing things.

03/16/2022

Finally. Whew. Soon, you will be able to apply in person for your Medicare Part B. This should be make it much easier for those who prefer not to apply online or those who have a difficult case.

Social Security had delayed a return to offering routine in-person services due to the rapid rise of the Omicron COVID-19 variant.

03/15/2022

Be very skeptical of people calling to enroll you in a Medicare supplement months prior to your Medicare effective date. According to the Centers for Medicare and Medicaid Services (CMS), "The best time to buy a Medigap policy is during your Medigap Open Enrollment Period. This period lasts for 6 months and begins on the first day of the month in which you're both 65 or older and enrolled in Medicare Part B." People calling you are usually from out-of-state and are using fear tactics to get you enrollment. They will withdraw your first month's premium immediately along with an enrollment fee many months PRIOR to you being enrolled in Medicare Part B. ALWAYS work with someone you trust not a stranger on the telephone or TV. If someone tells you to make a decision today or risk losing your chance to enroll, hang up immediately and report them to Medicare. In Tennessee, it is against the law for an agent to charge you a fee. Taking advantage of people really makes me angry. Don't do business with scam artists! Ask your investment broker, banker, or car insurance agent who they would recommend for Medicare advise.