Medicare: Your Essential Guide

Wendy Lopez

Understanding Medicare is crucial for making informed decisions about your healthcare coverage. Whether you choose Original Medicare or Medicare Advantage (Part C), knowing the basics empowers you to select the plan that best suits your needs. Original Medicare comprises Part A and Part B, covering hospital stays, doctor visits, and other essential services. Supplemental plans like Medicare Part D for prescription drugs and Medigap for additional coverage can enhance your benefits and reduce out-of-pocket expenses. Alternatively, Medicare Advantage plans offer a comprehensive alternative, bundling Parts A, B, and often D into a single package. These plans may extend coverage to dental, vision, and other services, providing a more holistic approach… Read More

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Healthcare Update: Cigna’s Negotiations with Orlando Health

Wendy Lopez

Cigna Healthcare Medicare is currently in negotiations with Orlando Health in Florida. The outcome of these talks will determine if Orlando Health remains in the Cigna network. If an agreement isn’t reached, Orlando Health will exit the network on March 1, 2024. Customers will receive letters soon, detailing the change and their new assigned Primary Care Provider (PCP). For inquiries or to choose a different in-network PCP, affected customers can call Cigna Healthcare Medicare at 1-800-668-3813. The company reassures customers that their team is ready to assist, and any updates will be communicated promptly. As a reminder, you can search the online provider directory to find the most recent provider… Read More

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Important Updates: Plan Changes for 2024

Wendy Lopez

As we transition into 2024, it’s crucial for you to be aware of recent changes in your healthcare coverage. If you were auto-renewed for Plan Year 2024 after being enrolled in the Marketplace for Plan Year 2023, read on for key information. Auto-Reenrollment: Clients not actively selecting a Plan Year 2024 plan by December 15, 2023, were auto-renewed with coverage effective from January 1, 2024. This info was visible on HealthCare.gov and partner sites starting December 16, 2023. Exploring Options: Consider exploring other coverage options or adjusting your Plan Year 2024 selection. Changing plans or enrolling between December 16, 2023, and January 16, 2024, ensures an effective date of February… Read More

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Small Business, Big Benefits: Health Coverage for All

Wendy Lopez

In the United States, the landscape of healthcare is a complex one, with various options available to individuals and families. One of the most significant sources of health coverage for Americans is employer-provided coverage. This type of coverage is a health plan, or a selection of health plans and other benefits, purchased by an employer and offered to eligible employees and their dependents. It’s a system that plays a crucial role in ensuring that millions of hardworking individuals and their families have access to quality healthcare. Affordable Access to Care The primary advantage of employer-provided coverage is its affordability. Employees’ contributions to their health coverage are tax-free, which means that… Read More

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Navigating Health Insurance for “gig” Economy Entrepreneurs

Wendy Lopez

For self-employed individuals or today’s gig workers, obtaining health insurance can be a bit different compared to traditional employer-sponsored plans. Empower yourself with a range of valuable choices to explore! Take a moment to peruse the document below, where you’ll find a comprehensive list of options available to you. We’re committed to providing exceptional support, so please don’t hesitate to reach out to our dedicated Total Benefit Solutions health insurance specialists at (215)-355-2121. We’re here to answer any questions or address any concerns you may have.

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