Monthly Archives: February 2016

Aetna to Acquire Humana in $37 Billion Deal

​Two major health insurance companies are moving forward in merger talks. Hartford, CT-based Aetna and Louisville, KY-based Humana began the merger talks back in July of 2015. According to businesswire.com, Aetna seeks to acquire Humana’s growing Medicare Advantage business. Another article from Forbes states that one and three people in the United States purchase additional coverage through a Medicare Advantage plan. The […]

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“No-Cost” Preventative Services Explained

The health plan selection conversation is progressing as usual. An agent has a potential client on the phone, and at this point, the agent has recorded the vital details needed to purchase health insurance through the healthcare.gov portal. The next step is to generate a quote for a potential client, and BAM! The cheapest quote […]

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​How Do I Apply for Health Insurance Through the Marketplace?

​How Do I Apply for Health Insurance Through the Marketplace? So, you’ve heard about the new Affordable Care Act law—otherwise known as “Obamacare”—and you know that you will get penalized in your 2016 tax returns if you do not have health insurance. You might have never purchased health insurance before; thus, you don’t know the […]

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​Prior Authorizations: A Lesser Known Inconvenience of Health Plans

​Prior Authorizations: A Lesser Known Inconvenience of Health Plans It was mid-January, and I had recently purchased a new health insurance plan. Back in December, I switched insurance carriers from Blue Cross Blue Shield of Tennessee to United Healthcare, for the United Healthcare plan offered more attractive benefits for less money. I was quite satisfied with Blue Cross’ […]

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The Advantages of Bronze Health Plans

​The Advantages of Bronze and Silver Health Plans Formerly, I worked as an advertising salesman for a large cable television company. This was an excellent experience, for I learned to see sales as a needs-fulfillment business. I learned that there is always someone in need of a particular product and service. On the first day […]

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A Typical Conversation Post-Open Enrollment

​A Typical Conversation Post-Open Enrollment The conversation remains the same. A potential client will call in, and one of the agents at American Exchanges answers the phone. The prospective client initiates the conversation: Prospective Client: “Um, I’m calling about health insurance.” The agent, with his breadth of knowledge of the health insurance business, does not hesitate, […]

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