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What is a Pre-Existing Condition?

Generally speaking, most health insurance plans now provide coverage for preexisting conditions. That was one of the major features of Obamacare. There are still some plans though, that continue to have preexisting condition exclusions in their policies. One year Short…

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“What About The Other 99 Letters I Sent”

  Last week I sent letters to 100 business owners informing them of a new small group health insurance option available in TN and 1 person responded. I ran her a quote for Aetna’s “level funded” option for groups in…

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When Smart People Make Dumb Decisions

Some people I meet will trust me to the level of simply asking “what should I do.” They listen to my recommendations without suspicion and rely on my judgement. I always tell folks what I would do if I were…

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Secrecy in Healthcare Pricing

The reason why it’s impossible to get control of the cost of healthcare, is because there is no transparency in healthcare pricing. We as consumers literally have no idea what we are spending when we consume healthcare services. I’ll give…

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Losing your Blue Cross Group plan in Tennessee

Blue Cross Blue Shield of TN is discontinuing all “grandmothered” group plans in Tennessee in 2017. This means that if you had continued your group plan for your small business in TN over the last few years with BCBS, you…

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High Deductible vs. Low Deductible

A low deductible is better than a higher one, right? That would be true if both plans cost the same. It’s also true if your employer is paying 100% of your premium. But what if you are paying your premium…

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