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🚨 Open Enrollment Season is Here! 🚨 Even as someone who dives deep into the details of insurance, I occasionally have to pause and double-check how certain treatments will be billed. If you’ve ever felt overwhelmed by your health plan options, you’re not alone! During open enrollment, understanding your plan can make all the difference in avoiding those unexpected surprise bills. Here are my top tips to navigate your insurance like a pro: ✔️ Know your plan inside and out. Understand what’s covered, your deductible, and your out-of-pocket maximum. These details are your first line of defense! 📞 Call your provider for clarity. Yes, it can be frustrating, but a quick call to confirm coverage details can save you from unpleasant surprises later. 🤔 Don’t just rely on the doctor’s office. While they may say something is covered, they don’t always have all the details about your specific plan. 🔑 Trust your insurer. When it comes to payment decisions, the insurer holds the final say—not the doctor’s office. Let’s face it: navigating health insurance in the U.S. isn’t always easy. But by taking these proactive steps, you can better understand your plan, avoid costly surprises, and set yourself up for financial peace of mind. 💡 Have questions about financial wellness during open enrollment? Let’s connect and chat! #OpenEnrollment #FinancialWellness #FinWell360 #AndrewLendnal #InsuranceTips #FinancialPlanning #Healthcare

🚀 **Open Enrollment is Here!** The countdown has begun! Open enrollment is just around the corner, and this is your golden opportunity to secure the health coverage you deserve. The choices can be overwhelming, but remember: you’re not alone in this journey. 🛡️ **Pre-existing Conditions? No Problem!** Worried about pre-existing conditions? Fear not! The marketplace ensures everyone has access to essential health benefits, regardless of their medical history. This is your chance to take control of your health without the fear of being turned away. 💰 **Tax Subsidies Await!** And let’s not forget about the tax subsidies that could significantly reduce your premiums. The financial relief might be just what you need to make health insurance more affordable. What if I told you that navigating these options can lead to substantial savings? 🤝 **I’m Here for You!** As your trusted insurance broker, I am committed to guiding you through the complexities of open enrollment. Whether you're exploring different plans or need assistance understanding your options, I'm just a message away! Don’t let this opportunity pass you by. Let's make sure you find the perfect coverage for you and your family! #OpenEnrollment #HealthInsurance #InsuranceBroker #Marketplace #AffordableCareAct

Want to make 2025 your highest-earning year yet? 💥 Aspire Insurance Solutions just got the inside track on Aetna, a CVS Health Company’s 2025 IFP Partners Program—and YOU can get in on it. Here’s how you can start January with more in your pocket and even more value for your clients: 1️⃣ Earn More with Every New Client For every new client you enroll in participating states, you’re stacking up credits. Yes, more clients mean more income. 2️⃣ Retention Pays—Literally Hold onto clients in key markets like Atlanta, Charlotte, and San Antonio, and you’ll score up to $50 per member just for keeping them around. 3️⃣ Extra Bonuses for Integrated Plans Offer medical plans that bundle dental and vision? You’ll earn an extra $10 for each member you enroll when you reach 10 or more integrated plan clients. Your clients get more, and so do you. 4️⃣ $200 Per Client in Florida Working in Fort Myers or Naples? Add $200 per member in these counties on top of everything else! Each enrollment here is pure bonus. 🚨 Deadlines to Remember: Applications open November 1 and close December 15 (December 31 for NJ). Keep clients enrolled through March 2025, and those rewards are yours. Aspire Insurance Solutions is here to support you in hitting new highs in 2025. This is the year you grow your business and your income. 🏆💰 Drop us a message for all the details. Let’s make it happen together! #openenrollment #partnerprogram #aetna #healthinsurance #businessgrowth

📣 Here are a few common questions you might have before Open Enrollment: ⭐️ What plans are available to me this year? Each year, health insurance plans and offerings can change. Understanding which plans are available based on your income, location, health and needs is a key question. ⭐️ What are the key deadlines for Open Enrollment? Missing the enrollment window could leave you without coverage. Make sure to mark important dates for when Open Enrollment starts and ends, along with any other key deadlines for plan changes. ⭐️ Am I eligible for subsidies or tax credits? Depending on your income and family size, you might qualify for financial assistance, such as premium tax credits, to lower your costs. It’s important to find out what support you may be eligible for. ⭐️ What’s the difference between marketplace plans, private plans and employer-provided insurance? If you’re comparing options, you might want to know how marketplace (Obamacare) plans, private plans, compare to those offered through your employer, considering coverage, cost, and flexibility. ⭐️ How do I choose the best plan for my situation? Factors like premiums, out-of-pocket costs, network coverage, and specific healthcare needs should be considered when selecting a plan that fits your situation. These are some key questions to consider as you prepare for Open Enrollment. If you need more personalized guidance, feel free to reach out! #openenrollment #beprepared #askquestions #healthcare #letmehelpyou #protectyourfinances #stayoffgoogle #dontputyourinfoonline #individual #famililes #selfemployed #smallbusiness #dental #vision #criticalillness #accidentcoverage #advisorfirst #iwalkbesideyou #topratedcustomerservice

→ Open Enrollment Do's & Don'ts ← Do's: 1. Do Review Your Coverage Options – Take the time to understand available plans and see if your current coverage still meets your needs. 2. Do Ask Questions – If something isn’t clear, ask! It’s essential to know what each plan offers so you can make an informed choice. 3. Do Compare Networks – Ensure that your preferred doctors and specialists are in-network to avoid unexpected costs. 4. Do Consider Future Needs – Think ahead to any health needs you anticipate for the next year and ensure your plan covers them. Don’ts: 1. Don’t Procrastinate – Waiting until the last minute can lead to rushed decisions or missing deadlines. 2. Don’t Overlook Hidden Costs – Be mindful of deductibles, copays, and coinsurance to understand the full cost of each plan. 3. Don’t Assume Your Doctors Are Covered – Just because a doctor was covered in a previous plan year doesn’t mean they’ll remain in-network. 4. Don’t Hesitate to Reach Out – Insurance can be complex! Rely on your agent to explain options and help you pick the best plan for you. Kelsey Chenault 📱979.595.7370 📧 chenaultkelsey@gmail.com 🔗 https://lnkd.in/gJF7w9gy

"Explain advanced premium tax credits to me like I'm 5 years old" 👦 This is a quote from a financial advisor partner of Move Health Partners requesting a refresher on how APTCs work. APTCs can be a superpower that helps to unlock early retirement for your clients that are hanging onto their jobs for no other reason than health insurance. 👨🏻💻 👩🏽💻Advisors: Take three minutes and check this video out. Every day, I blow an advisor's mind by sharing that advanced premium tax credits do in fact exist and that an advisor has quite a bit of control in helping their clients to reduce health insurance premiums in early retirement. ❓ If you want to go deeper than this video covers or have a specific client question - reach out and connect! Our team is federally certified to assist with the implementation of advanced premium tax credits on the ACA marketplace and we do it every day. Move Health Partners exists to make health coverage simple & clear. We are the premier healthcare insurance planning firm utilized by forward-thinking advisors and their clients across the country to solve unique healthcare planning needs. #Healthcareplanning #Medicareplanning #Movehealthpartners #partnerships #financialplanning

62% of clients surveyed recently said they were "terrified of what healthcare costs will do to their retirement plans" Advisors, how are you addressing this concern? I wake up everyday energized & motivated about the important work that we do at Move Health Partners alongside forward-thinking advisors. The reason I feel so passionately is because our mission isn't complete. Every day, there are clients that sit across from their advisor and share their valid concerns about having to navigate healthcare insurance decisions on their own and most advisors aren't equipped to assist effectively. Our mission is to make health coverage simple & clear. - For clients who are "terrified of healthcare costs in retirement" - For the person who has dreamed of starting a business, but losing their W2 health benefits has held them back - For the person nearing 65 who is inundated with phone calls, junk mail & a mixed bag of "correct" information about Medicare We believe that solving these problems starts by empowering forward-thinking advisors with a trusted & knowledgable resource to educate, empower & partner on their client's healthcare planning needs. ^ That's what keeps me up at night. If your clients are concerned about healthcare costs in retirement, you should be too. ✌️ have a great weekend - it's a hot one in the Midwest 🥵 __________________________________ Move Health exists to make health coverage simple & clear - we're the premier healthcare insurance planning firm utilized by forward-thinking advisors and their clients across the country. #healthcareplanning #medicareplanning #financialplanning #partnerships #healthcareeducation

In today's fast-paced world, financial wellness is no longer just a luxury; it’s a necessity. At Gambrell Financial, we understand that navigating healthcare costs can be overwhelming, especially with the unpredictability of high deductibles. Our mission is to empower you with knowledge and offer solutions that not only lighten your financial burden but also promote peace of mind. Introducing our Zero Deductible Health Insurance Plans – tailored for individuals and families who seek affordable healthcare options without the stress of unexpected out-of-pocket expenses. Imagine being able to access medical services knowing your financial responsibility is minimized. With over 27 years of experience in the industry, we have fine-tuned our offerings to suit the diverse needs of our clients across multiple states. But why stop at healthcare? Gambrell Financial aims to be your trusted partner in achieving holistic financial health. Our robust suite of insurance options, from supplemental plans to term life insurance, is designed to create a protective shield for you and your loved ones. Additionally, our no-cost advisory services ensure you make informed decisions without any pressure or hidden fees. We invite you to delve deeper into our resources, including downloadable reports and educational materials that equip you with the insights needed to make confident financial choices. Explore how our unique approach can transform your financial landscape today. Don’t let uncertainty dictate your health or finances. Join us in maximizing your financial health and step into a world where clarity and support pave the way for your peace of mind. Click to learn more and take the first step towards securing a brighter financial future with Gambrell Financial. #FinancialHealth #InsuranceSolutions #GambrellFinancial Click Link to get started (Do It Yourself) Or go to the website click link to contact me! https://lnkd.in/eSiAcRNV

🚀 It’s Open Enrollment season! 🚀 Choosing your benefits can feel like navigating a foreign language, especially when it comes to health insurance. But mastering it can save you serious money! 💰 Let’s clear up two commonly misunderstood terms: 🔍 Deductible: The amount you pay out-of-pocket before your insurance kicks in. Each plan has a different deductible amount. 💸 Out-of-Pocket Maximum: This is the most you’ll pay for covered services in a year. Once you hit this cap, your insurance takes care of the rest! 🙌 When choosing a plan, you’ll often have to balance your monthly premium against your potential healthcare needs. A lower deductible plan = higher monthly premium, so you have to do the tricky math of predicting how often you’ll need medical care next year. 🩺🤔 ⚠️ Pro tip: If you’re eyeing a High Deductible Health Plan (HDHP) just to take advantage of a Health Savings Account (HSA), pause and consider your anticipated medical expenses. HSAs are amazing, but only if an HDHP is truly the right fit for your situation. Your health comes first! 🛡️ Remember, Open Enrollment is your chance to reassess and make sure your plan aligns with your needs. Don’t let this window slip by without doing your research! 🔎📆 #OpenEnrollment #FinancialWellness #FinWell360 #AndrewLendnal #HealthInsurance101 #HSA #EmployeeBenefits #PersonalFinance

Open Enrollment is coming – Are You Ready? Open Enrollment is just around the corner! 🌟 Whether you’re choosing a plan for yourself, your family, or your small business, now’s the time to make sure your coverage fits your needs. During #OpenEnrollment, individuals can enroll in or make changes to their #healthinsurance plans. It’s the only time of year (outside of qualifying life events) when you can: *Sign Up for New Coverage: If you don’t have health insurance, Open Enrollment is the time to get covered for the upcoming year. *Change Your Existing Plan: You can switch to a different health insurance plan, whether it’s choosing a new insurer or selecting a plan that better fits your needs. *Update Personal or Family Information: If you’ve had changes in your household (e.g., marriage, birth of a child), you can adjust your plan accordingly. *Review Premiums and Benefits: This is a good time to compare options, assess premiums, deductibles, and coverage networks to ensure your plan still works for you. It’s crucial to act during this window because, outside of Open Enrollment, you can only change your plan if you experience a qualifying life event (like a job change, marriage, or the birth of a child). ✅ At Matson & Kellogg, we’re here to help you navigate your options and find the right coverage at the right price. Don’t wait—get ahead of the curve and start planning today! Reach out to our expert advisors for personalized assistance. 🗓️💼 #InsuranceMadeEasy #HealthcareCoverage #MatsonAndKellogg