The Health Insurance Shoppe in Chicago

tag:blogger.com,1999:blog-8814533596309270502012-03-01T21:30:11.030-06:00The Health Insurance Shoppe in ChicagoThe Health Insurance Shoppe is Chicago's first storefront marketplace for individual, family and group health insurance coverage. You can walk in and shop for a comprehensive plan that fits your lifestyle, needs and budget. Health Insurance is the only product marketed with expertise (15 years) provided for free. We invite you to call or stop on by for further information.jordan wishnerhttps://profiles.google.com/108613804656465036638noreply@blogger.comBlogger1081100tag:blogger.com,1999:blog-881453359630927050.post-13779495105713089772012-02-23T12:25:00.000-06:002012-02-23T12:25:23.708-06:00Are you considering applying to BCBSIL?

If you are considering on applying for health insurance coverage with Blue Cross and Blue Shield of Illinois (BCBSIL), this is what you need to know... BCBSIL has a 12 month waiting period for pre-existing medical conditions; which are conditions that were consulted, diagnosed or treated (current prescriptions other than contraceptives) within the 12 months prior to application the waiting

jordan wishnerhttps://profiles.google.com/108613804656465036638noreply@blogger.com0tag:blogger.com,1999:blog-881453359630927050.post-31191258871854292882012-02-18T14:13:00.002-06:002012-02-18T14:13:23.128-06:00Prescription Drug Coverage Options

Understanding how carriers cover outpatient prescription drugs can be confusing and will be much different coverage if you are used to employer benefits. Carriers all have different prescription benefits, with one common element; the network of providers (pharmacies). All plans are a Preferred Provider Organization (PPO), providing you access (no referral required) to pharmacies that are

jordan wishnerhttps://profiles.google.com/108613804656465036638noreply@blogger.com1tag:blogger.com,1999:blog-881453359630927050.post-23823019909695052122012-02-18T13:55:00.000-06:002012-02-18T13:55:04.595-06:00Why work with The Health Insurance Shoppe?

So...are you in the market for health insurance coverage? If so, you have come to the right place. At The Health Insurance Shoppe we solely market health insurance plans, whether it be individual, family, small group or Medicare. Instead of working with each health insurance carrier separately, you can contact the shoppe and search products between 6 major Illinois health insurance carriers,

jordan wishnerhttps://profiles.google.com/108613804656465036638noreply@blogger.com0tag:blogger.com,1999:blog-881453359630927050.post-48067695794987227122011-11-18T13:05:00.000-06:002011-11-18T13:05:56.124-06:00Living in Chicago and choosing a plan of Health Insurance

Choosing a plan of health insurance coverage can be very frustrating and confusing. That is why The Health Insurance Shoppe opened its doors in 2009. When you search your options in Chicago, online or through The Shoppe, you will be presented with about 6 carriers to choose from dependent on your search provider. The Shoppe markets 6 carriers for you to choose from. In Chicago, the 2 most

jordan wishnerhttps://profiles.google.com/108613804656465036638noreply@blogger.com0tag:blogger.com,1999:blog-881453359630927050.post-21477448328441875392011-10-25T12:46:00.000-05:002011-10-25T12:46:07.542-05:00Understanding Your Deductible

Specific to private plans of coverage Q: What is your plan deductible? A: The amount of money the insured must pay for the below expenses prior to the insurance carrier beginning to cost share, usually paying 80% of future expenses. Diagnostic Testing and Lab Work performed at a physicians office that is not related to preventative care, copay does not cover these expenses Prescription Drugs

jordan wishnerhttps://profiles.google.com/108613804656465036638noreply@blogger.com0tag:blogger.com,1999:blog-881453359630927050.post-17240454953974346852011-08-27T12:50:00.000-05:002011-08-27T12:50:31.857-05:00Top 3 Differences Between Carriers

Each carrier the shoppe represents has their own place in the market, behind monthly premiums. Below are the 3 key differences per carrier the shoppe represents. BCBSIL ER is offered at 3 coverage levels, dependent on plan to either cover the bill 100%, waive the deductible, requiring the insured to pay 20% or subject the bill toward the plan deductible (HSA plans) There are no prescription

jordan wishnerhttps://profiles.google.com/108613804656465036638noreply@blogger.com3tag:blogger.com,1999:blog-881453359630927050.post-57635510885504071762011-08-05T21:28:00.000-05:002011-08-05T21:28:35.719-05:00Contraceptive Coverage for Women, effective 8/1/2012

This week the U.S Department of Health and Humana Services (HHS) announced that new health insurance plans that are in compliance with The Affordable Care Act (ACA) must provide contraceptive coverage to females at 100% with no cost obligation. New health plans will need to include these services without cost sharing for insurance policies with plan years beginning on or after August 1, 2012.

jordan wishnerhttps://profiles.google.com/108613804656465036638noreply@blogger.com1tag:blogger.com,1999:blog-881453359630927050.post-71820573272171865112011-07-30T15:44:00.000-05:002011-07-30T15:44:56.458-05:00Maternity Coverage

For those unaware of maternity benefits and availability, let me explain. With employer provided coverage, also known as group health insurance, maternity is an immediate benefit without restrictions to waiting periods. There is no additional cost with limitations applying to infertility and fertilization. When it comes to private coverage for individuals and families options are scarce and

jordan wishnerhttps://profiles.google.com/108613804656465036638noreply@blogger.com0tag:blogger.com,1999:blog-881453359630927050.post-80176147582252258462011-06-22T18:11:00.000-05:002011-06-22T18:11:01.687-05:00NEW 2012 HSA Inflation Adjustments

Applicable to all that are currently enrolled in an HSA qualified plan. The Internal Revenue Service (IRS) recently announced the 2012 inflation adjustments for High Deductible Health Plans (HDHPs) and Health Savings Accounts (HSAs). These adjustments include maximum HSA contributions, minimum deductible amounts and maximum out-of-pocket limits. High Deductible Health Plans In 2012, an

jordan wishnerhttps://profiles.google.com/108613804656465036638noreply@blogger.com0tag:blogger.com,1999:blog-881453359630927050.post-23646709473742739602011-06-09T11:32:00.000-05:002011-06-09T11:32:19.319-05:00What is a DEDUCTIBLE?

Knowing what a plan deductible means, was the first thing that I had to understand when I began marketing health insurance plans. A deductible is the key element in every health insurance plan, other than HMOs. When prospects come in or call the shoppe for service and are currently covered through COBRA or private coverage, 99% are unaware what their plan deductible is...even if they are paying

jordan wishnerhttps://profiles.google.com/108613804656465036638noreply@blogger.com01900 W Belmont Ave, Chicago, IL 60657, USA41.9396647 -87.676087541.9356742 -87.68338299999999 41.9436552 -87.668792tag:blogger.com,1999:blog-881453359630927050.post-13681742636401099192011-06-01T17:39:00.001-05:002011-06-01T17:40:45.382-05:00Domestic Partnership Update

Implementation Update: Illinois Religious Freedom Protection and Civil Union Act Beginning today, June 1, 2011, the Illinois Religious Freedom Protection and Civil Union Act (PA 96-1513) takes effect. In light of this non-insurance law being passed on Jan. 31, 2011. All carriers that offer private individual plans are currently working out details with the state to make sure they comply when

jordan wishnerhttps://profiles.google.com/108613804656465036638noreply@blogger.com0tag:blogger.com,1999:blog-881453359630927050.post-15291017076400461452011-05-31T10:39:00.000-05:002011-05-31T10:39:39.737-05:00Boomer's and Medicare cont...(MED Supp)

Welcome back...I hope everyone had a nice Memorial Day weekend :) Following up to the prior blog on Medicare Parts (Part A, Part B and Part D), this email will go over Medicare Supplement plans that pay for expenses Medicare leaves a beneficiary to pay. As stated prior, Medicare leaves the following for a beneficiary to pay: Part A : $1,162 deductible for days 1-60 in the hospital then moving

jordan wishnerhttps://profiles.google.com/108613804656465036638noreply@blogger.com0tag:blogger.com,1999:blog-881453359630927050.post-65143624358187624652011-05-28T14:42:00.001-05:002011-05-28T14:43:32.135-05:00Boomer's and Medicare

Do you know much about Medicare? Are you turning 65 soon? Medicare can be difficult to understand and The Health Insurance Shoppe is here to help. The only part of Medicare that is free is Part A, which is either entitled to a beneficiary at age 65 or requires a premium if the beneficiary has not paid Social Security Taxes. Part A covers hospital services and leaves the beneficiary to pay up

jordan wishnerhttps://profiles.google.com/108613804656465036638noreply@blogger.com0tag:blogger.com,1999:blog-881453359630927050.post-12174225420076503242011-05-22T15:23:00.001-05:002011-05-22T15:23:54.819-05:00Vail

Enjoy :-)

jordan wishnerhttps://profiles.google.com/108613804656465036638noreply@blogger.com0tag:blogger.com,1999:blog-881453359630927050.post-30298915675889906072011-05-20T15:22:00.000-05:002011-05-20T15:22:54.591-05:00Emergency Room Coverage

This blog will detail ER coverage amongst the 6 carriers marketed. Emergency Services are covered with all plans and are considered a plan deductible expense unless noted otherwise. Blue Cross and Blue Shield of Illinois (BCBSIL) is the only carrier that offers 100% coverage (you owe nothing) at the ER or waives the plan deductible, requiring the insured to pay 20% of the bill towards the

jordan wishnerhttps://profiles.google.com/108613804656465036638noreply@blogger.com0tag:blogger.com,1999:blog-881453359630927050.post-17632734813096502922011-05-20T15:08:00.000-05:002011-05-20T15:08:50.283-05:00The Importance of The Shoppe

When it comes to choosing a health insurance plan you have 2 choices to make, choosing a benefit package and an Insurance Carrier. All premiums that are presented by the carrier are subject to change at time of application based on the following factors: height and weight smoking status was their prior coverage in the past without a break greater than 63 days some carriers have different rating

jordan wishnerhttps://profiles.google.com/108613804656465036638noreply@blogger.com0tag:blogger.com,1999:blog-881453359630927050.post-14329317026560820502011-05-18T17:24:00.000-05:002011-05-18T17:24:09.790-05:00Blue Cross's 2 most popular plans

BCBSIL announced their 2 plans that are sold the most in Illinois...For those that are clients about 95% are in the HSA plan! Sales Tip: Most Popular Individual Under 65 Plans The most popular Under 65 health plans sold in 2010 were BlueEdgeSM HSA and SelectBlue AdvantageSM. The two products that had the highest percent change in sales from 2009 to 2010 were BlueEdge HSA and BlueChoiceSM Value.

jordan wishnerhttps://profiles.google.com/108613804656465036638noreply@blogger.com0tag:blogger.com,1999:blog-881453359630927050.post-38076337349459252832011-04-25T08:58:00.000-05:002011-04-25T08:58:02.106-05:00Negotiated/Contracted Rate..what does this mean?

In paying a premium to the insurance carrier, whether the lowest or the highest...one benefit that is universal is having access to the provider network of your health insurance carrier. When services are rendered through a provider that is considered "in-network" the insured is not responsible to pay the retail cost of services. The provider has a contract with each insurance carrier that they

jordan wishnerhttps://profiles.google.com/108613804656465036638noreply@blogger.com0tag:blogger.com,1999:blog-881453359630927050.post-78335207479860623042011-04-16T11:41:00.002-05:002011-04-16T11:41:49.653-05:00Legislative Update

Special Legislative Update Health care spending addressed in long-term deficit reduction plansIn a speech Wednesday, President Barack Obama unveiled his deficit reduction plan, which included several measures that seek to address health care spending. According to a White House fact sheet, the President's plan will build on policies put in place by the Affordable Care Act (ACA) and would save an

jordan wishnerhttps://profiles.google.com/108613804656465036638noreply@blogger.com0tag:blogger.com,1999:blog-881453359630927050.post-78527970066518144982011-03-11T13:33:00.001-06:002011-03-11T13:33:36.628-06:00friday afternoon

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jordan wishnerhttps://profiles.google.com/108613804656465036638noreply@blogger.com0tag:blogger.com,1999:blog-881453359630927050.post-58616682388622924802011-03-05T14:32:00.002-06:002011-03-05T14:32:33.676-06:00Preventative Care Benefits under Reform

Under the Affordable Care Act, you and your family may be eligible for some important preventive services—which can help you avoid illness and improve your health—at no additional cost to you.What This Means for YouIf your plan is subject to these new requirements, you would not have to pay a copayment, co-insuranceor deductible to receive preventive health services, such as recommended

jordan wishnerhttps://profiles.google.com/108613804656465036638noreply@blogger.com0tag:blogger.com,1999:blog-881453359630927050.post-4581198837407072282011-03-05T14:27:00.000-06:002011-03-05T14:27:51.453-06:00What Does Having a "Grandfathered" plan mean under reform?

The Affordable Care Act exempts most plans that existed on March 23, 2010--the day the law was enacted--from some of the law’s consumer protections. This will preserve consumers’ rights to keep the coverage they already had before health reform.What This Means for YouIf you have health coverage from a plan that existed on March 23, 2010--and that has covered at least one person continuously from

jordan wishnerhttps://profiles.google.com/108613804656465036638noreply@blogger.com1tag:blogger.com,1999:blog-881453359630927050.post-14761176846220630252011-03-05T14:20:00.000-06:002011-03-05T14:20:04.620-06:00Insurance Protection for Children

Under the Affordable Care Act, health plans cannot limit or deny benefits or deny coverage for a child younger than age 19 simply because the child has a “pre-existing condition”—that is, a health problem that developed before the child applied to join the plan.What This Means for YouUntil now, plans could refuse to accept anyone because of a pre-existing health condition, or they could limit

jordan wishnerhttps://profiles.google.com/108613804656465036638noreply@blogger.com0tag:blogger.com,1999:blog-881453359630927050.post-7620852762668179472011-03-05T14:18:00.000-06:002011-03-05T14:18:30.742-06:00Appealing a decline in coverage

Your Benefit Appeal Rights Under the Affordable Care ActIf your health plan was created after March 23, 2010, the Affordable Care Act ensures your right to appeal, or to ask that your plan reconsider its decision to deny payment for a service or treatment. New rules, now in effect, govern how your plan itself must handle your initial appeal. If your plan upholds its decision after its internal

jordan wishnerhttps://profiles.google.com/108613804656465036638noreply@blogger.com0tag:blogger.com,1999:blog-881453359630927050.post-53419559444797304272011-03-01T15:49:00.000-06:002011-03-01T15:49:34.561-06:00Which Carrier to Apply for Coverage With?

All carriers will have a benefit that stands out amongst others. When looking for plans that are the most competitive in premium, one carrier will stand out in Cook County, Blue Cross and Blue Shield of Illinois (BCBSIL). Hands down, when comparing quotes, BCBSIL will be the lower priced plan 90% of the time. Does this mean that you should apply to BCBSIL? Unfortunately not. With BCBSIL, all

jordan wishnerhttps://profiles.google.com/108613804656465036638noreply@blogger.com0tag:blogger.com,1999:blog-881453359630927050.post-26702079404555826602011-02-28T10:51:00.000-06:002011-02-28T10:51:28.293-06:00Do you know how a copay works for office visits?

Do you have an office visit copay? If so...with new healthcare reform, this copay is only applicable for office visits other than preventative care which is covered at 100% by your insurance carrier. A copy is only to cover the cost of consultation..any and all additional lab work or diagnostic testing falls under a deductible expense. So, for primary care when you are an established patient,

jordan wishnerhttps://profiles.google.com/108613804656465036638noreply@blogger.com0tag:blogger.com,1999:blog-881453359630927050.post-53072532822999096352011-02-25T11:06:00.000-06:002011-02-25T11:06:26.105-06:00New Preventative Care Benefits

For those who have had a health insurance policy issued later than 3/23/2010, effective 1/1/2011 your preventative care benefits are covered at 100% by your insurance company with no annual maximums. Please click the below link for a list of services that the department of Health and Humana Services (HHS) deem covered. http://bit.ly/9twrh5 Now, as of late...clients of the shoppe have been

jordan wishnerhttps://profiles.google.com/108613804656465036638noreply@blogger.com0tag:blogger.com,1999:blog-881453359630927050.post-57192321089293950422011-01-31T12:40:00.000-06:002011-01-31T12:40:58.255-06:00Mental Health Benefits

Mental Health benefits are different amongst each carrier in the private market and are a cutback in benefits compared to employer provided coverage. If you currently are covered through your employer, Mental Health benefits are covered the same as any other illness. So...if your plan has a copay for office visits (out-patient medical services), than any therapy is covered under the copay...as

jordan wishnerhttps://profiles.google.com/108613804656465036638noreply@blogger.com0tag:blogger.com,1999:blog-881453359630927050.post-14717547246288393342011-01-24T14:40:00.000-06:002011-01-24T14:40:57.131-06:00Office Visit Copay or Not???

Having trouble choosing a plan of coverage? Do the plans that you can afford not have office visit copays? Are they limited? No matter which plan you choose the #1 benefit every member of each carrier receives is that they have access to the provider network. When you seek service at a "in-network" provider you are subject to the negotiated rate of service, not retail..prior to the plan

jordan wishnerhttps://profiles.google.com/108613804656465036638noreply@blogger.com0tag:blogger.com,1999:blog-881453359630927050.post-56435799958148320122011-01-21T10:35:00.000-06:002011-01-21T10:35:00.386-06:00HumanaOne Introduces New Plans Effective 1/22

HumanaOne will begin to offer new plans with more deductible options beginning 1/22/2011. I have placed links to their new materials on the right side of my blog for your review. These new plans will have more deductible offerings, plus condition specific exclusion riders. What does that mean? For applicants who apply to Blue Cross and Blue Shield of Illinois (BCBSIL) and receive an exclusion

jordan wishnerhttps://profiles.google.com/108613804656465036638noreply@blogger.com0tag:blogger.com,1999:blog-881453359630927050.post-83269162388625594882010-12-26T14:49:00.000-06:002010-12-26T14:49:45.278-06:00Considering Dental Insurance?

As of late many of the insurance carriers that I represent now offer a stand-alone dental plan, not only available with your current health insurance plan. Before selecting this optional benefit, it is important to understand how dental insurance works. Does your dentist accept the plans terms of service and is he considered to be a "In-Network" or "Out-of-Network" provider. If your dentist

jordan wishnerhttps://profiles.google.com/108613804656465036638noreply@blogger.com0tag:blogger.com,1999:blog-881453359630927050.post-52906020965450958442010-12-26T13:33:00.000-06:002010-12-26T13:33:09.786-06:00Maternity Coverage in Illinois

Happy Holidays and Merry Christmas! I hope that the readers of my postings, which are few, had a great holiday weekend :) As of the past month there have been quite a few inquiries on obtaining maternity coverage in the private market. Unfortunately, there is only one private health insurance carrier that offers an optional Maternity benefit, Blue Cross and Blue Shield of Illinois (BCBSIL).

jordan wishnerhttps://profiles.google.com/108613804656465036638noreply@blogger.com0tag:blogger.com,1999:blog-881453359630927050.post-48726496510134233642010-12-09T16:53:00.000-06:002010-12-09T16:53:50.088-06:00BCBSIL has updated their effective date guidelines

Effective 12/1/2010, Blue Cross and Blue Shield of Illinois (BCBSIL) has new effective date guidelines. You can now request an effective date 2 weeks out from the date you submit your application. If a decision has not been made within the 2 weeks, your effective date will be on approval, but can not be the 29th, 30th or 31st of the month. Please contact the shoppe with any questions. -The

jordan wishnerhttps://profiles.google.com/108613804656465036638noreply@blogger.com0tag:blogger.com,1999:blog-881453359630927050.post-5846579145914595922010-11-16T16:27:00.000-06:002010-11-16T16:27:16.125-06:00Recent Visit to the Emergency Room

Well...not so recent as I am late in keeping up with updating our BLOG. Back in August I had cut my finger with a knife when I was packing up my apartment. There was no to much pain but a whole lot of bleeding. After 20 min of continuous bleeding I decide to visit the Emergency Room (ER) as it was during the middle of the night. Living in the Gold Coast I chose to visit St. Joseph's which is

jordan wishnerhttps://profiles.google.com/108613804656465036638noreply@blogger.com0tag:blogger.com,1999:blog-881453359630927050.post-72456403721894738092010-11-04T15:59:00.001-05:002010-11-04T15:59:48.282-05:00sliw afternoon and vail kills time at the shoppe

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jordan wishnerhttps://profiles.google.com/108613804656465036638noreply@blogger.com0tag:blogger.com,1999:blog-881453359630927050.post-90153993403390983822010-11-02T21:21:00.000-05:002010-11-02T21:21:10.037-05:00What does having a low deductible mean?

When referencing a low deductible it is in the line of $500 or $1,000. These are most likely found when coverage is being provided through your employer. Having a low deductible only means that you are paying a lower amount prior to your insurance carrier paying a percentage (coinsurance) in which you pay your percentage share towards the plans out-of-pocket expense limit in addition to your

jordan wishnerhttps://profiles.google.com/108613804656465036638noreply@blogger.com2tag:blogger.com,1999:blog-881453359630927050.post-33895942904306875812010-10-14T19:57:00.001-05:002010-10-14T19:57:57.723-05:00Late night at the shoppe with vail

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jordan wishnerhttps://profiles.google.com/108613804656465036638noreply@blogger.com0tag:blogger.com,1999:blog-881453359630927050.post-33985056544456666472010-10-11T11:14:00.001-05:002010-10-11T11:14:02.337-05:00Check out The Shoppe on ABCs LiveWell HD

Please make sure to check out The Shoppe on ABCs LiveWell HD http://bit.ly/livewellhd Thanks for all your support!

jordan wishnerhttps://profiles.google.com/108613804656465036638noreply@blogger.com0tag:blogger.com,1999:blog-881453359630927050.post-39176291677095399632010-10-08T18:13:00.001-05:002010-10-08T18:13:47.630-05:00vail

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jordan wishnerhttps://profiles.google.com/108613804656465036638noreply@blogger.com0tag:blogger.com,1999:blog-881453359630927050.post-82566825684754277932010-10-04T22:19:00.001-05:002010-10-04T22:19:14.010-05:00how your health insurance works

Benefits aside, every plan of coverage no matter the insurance carrier has one common factor; a network of providers. Providers are considered to be physicians, hospitals, facilities and labs. Each health insurance carrier provides one or up two networks to choose to participate in, with the larger network costing more in monthly premium. Providers that are within your plans network

jordan wishnerhttps://profiles.google.com/108613804656465036638noreply@blogger.com0tag:blogger.com,1999:blog-881453359630927050.post-65680214526948837872010-09-16T14:07:00.000-05:002010-09-16T14:07:21.830-05:00Applying to IPXP

It has come to out attention that many Illinois residents who are applying for the new state health insurance plan are submitting application without the required documents. In order to qualify for coverage you must have been denied health insurance by a private health insurance carrier within the past 9 months, was offered private coverage (not accepted) that contained an exclusion rider on

jordan wishnerhttps://profiles.google.com/108613804656465036638noreply@blogger.com0tag:blogger.com,1999:blog-881453359630927050.post-79370507373094224492010-09-16T13:59:00.000-05:002010-09-16T13:59:41.535-05:00Mandatory Preventative Care Benefits

Effective for all major medical health insurance policies sold after 9/23/2010, preventative care services that fall under HHS guidelines are now covered at 100% by health insurance carriers. Please follow this link to learn more on what services are now covered at no cost to the insured: http://bit.ly/PrevCare_Benefits For more info please call The Shoppe! Sincerely, The Shoppe

jordan wishnerhttps://profiles.google.com/108613804656465036638noreply@blogger.com0tag:blogger.com,1999:blog-881453359630927050.post-10031224816691145802010-08-20T15:04:00.000-05:002010-08-20T15:04:32.861-05:00Illinois guaranteed health insurance plan for pre-existing conditions

Effective Today!! Illinois will start taking applications for health insurance coverage for individuals who meet the below eligibility requirements: Must be a state resident Must have been uninsured for at least 6 months; and Have a pre-existing medical condition. For more info on the plan please visit http://bit.ly/new_state_plan A few simple facts on the plan:$2,000 annual deductible You then

jordan wishnerhttps://profiles.google.com/108613804656465036638noreply@blogger.com0tag:blogger.com,1999:blog-881453359630927050.post-58174618931477831912010-08-10T16:44:00.000-05:002010-08-10T16:44:09.286-05:00Prescription Drug Coverage with Health Insurance

If you are looking to purchase health insurance coverage and are currently taking prescription medications (Rx), then this blog will explain how the most competitive carriers The Health Insurance Shoppe represents will cover your prescription medication. If you are currently insured (privately) than this will help explain your current prescriptions benefits. Before I go into explaining how each

jordan wishnerhttps://profiles.google.com/108613804656465036638noreply@blogger.com0tag:blogger.com,1999:blog-881453359630927050.post-17590218644395978842010-08-04T09:52:00.000-05:002010-08-04T09:52:50.296-05:00Dental Insurance

The Shoppe has been receiving a lot of inquiries in the past couple of months on stand-alone dental insurance. Stand-alone is coverage that does not need to be purchased at time of acquiring a health insurance plan. Plan can range from $14-$38/month (for single coverage) and range from HMO to PPO plans of coverage. What does Dental Insurance cover? Dental insurance will cover your

jordan wishnerhttps://profiles.google.com/108613804656465036638noreply@blogger.com0tag:blogger.com,1999:blog-881453359630927050.post-6907490848857789182010-07-31T15:57:00.000-05:002010-07-31T15:57:33.445-05:00How to use your HSA

Well...I have to admit that it has been a slow month in posts from The Shoppe. Sorry about that. The Shoppe has been extremely business placing customers in appropriate health insurance plans. For the final post of the month I would like to discuss how to use your Health Savings Account (HSA) once you have opened one up. The First Method The main concept of electing an HSA qualifying plan of

jordan wishnerhttps://profiles.google.com/108613804656465036638noreply@blogger.com0tag:blogger.com,1999:blog-881453359630927050.post-14842417176090582372010-07-20T11:46:00.000-05:002010-07-20T11:46:06.875-05:00The Shoppe will be closed on 7/24

Sorry for any inconvenience, but The Shoppe will be closed this Saturday. We will return on 7/26. Enjoy your weekend!

jordan wishnerhttps://profiles.google.com/108613804656465036638noreply@blogger.com0tag:blogger.com,1999:blog-881453359630927050.post-86745328890066415702010-07-20T11:32:00.000-05:002010-07-20T11:32:17.935-05:00Blue Cross announces new child only policy

On Friday, July 16, 2010, Blue Cross ad Blue Shield of Illinois filed a new policy called Blue Pathway to provide coverage for children age 1 through 18 when the child is the primary insured (commonly called “child-only” policy) with the Illinois Department of Insurance (DOI). This new coverage option responds to an Interim Final Rule that was issued by the Department of Health and Human

jordan wishnerhttps://profiles.google.com/108613804656465036638noreply@blogger.com0tag:blogger.com,1999:blog-881453359630927050.post-30088626826891074712010-07-09T16:02:00.002-05:002010-07-09T16:02:48.311-05:00WE WILL BE CLOSED ON SATURDAY 7/10 FOR BURGERFEST

ATTENTION: We will be closed this Saturday and will have a tent at the Roscoe Village Burgerfest, starting one block west of The Shoppe. Please make sure to stop by and visit! Sorry for any inconvenience:-( -The Shoppe

jordan wishnerhttps://profiles.google.com/108613804656465036638noreply@blogger.com0tag:blogger.com,1999:blog-881453359630927050.post-80124624763519288292010-07-01T11:20:00.000-05:002010-07-01T11:20:36.864-05:00New Government Health Care website

Today, the U.S. Government has launched a new website, www.healthcare.gov From this portal you will be able to find the following: Health Insurance Carriers in your location How health insurance carriers treat medical conditions Information on hospital care and quality Information on how the new health care bill impacts you Information on small business tax-credits Please feel free to contact

jordan wishnerhttps://profiles.google.com/108613804656465036638noreply@blogger.com0tag:blogger.com,1999:blog-881453359630927050.post-15809046337766121622010-06-23T12:13:00.001-05:002010-06-23T12:18:22.818-05:00Illinois State Health Insurance Plan not starting till late summer

With the new health care reform, states were to have set up high-risk health insurance pools for individuals with pre-existing conditions that could not get coverage in the private market. This pool was to be in effect on 6/1/2010, but Illinois has yet to establish. Individual's eligible for coverage must have gone without health insurance for the past 6 months in order to apply. Currently,

jordan wishnerhttps://profiles.google.com/108613804656465036638noreply@blogger.com1tag:blogger.com,1999:blog-881453359630927050.post-38962154854435184392010-06-18T15:12:00.001-05:002010-06-18T15:12:31.840-05:00Make sure you know what Hospitals are covered with your health insurance

Be careful when applying for new health insurance coverage in the private market. The #1 mistake people can make is going to a hospital or doctor that is not in their health insurance plans network of providers. Click to see a list of hospitals covered by major health insurance companies in Chicago...http://bit.ly/NetComp Even though your plan may be a Preferred Provider Organization (PPO),

jordan wishnerhttps://profiles.google.com/108613804656465036638noreply@blogger.com0tag:blogger.com,1999:blog-881453359630927050.post-18788346838434983412010-06-15T12:52:00.000-05:002010-06-15T12:52:46.478-05:00How to cut your costs with HSAs

Are you looking to cut your health insurance premium cost's. Look no further than moving to an HSA compatible plan. The below link will take you to a comparison of 3 plans of health insurance coverage from Blue Cross and Blue Shield of Illinois for a 35 year old male living in Chicago. http://bit.ly/bWHWFo The comparison will show 2 traditional plans of coverage that have office visit

jordan wishnerhttps://profiles.google.com/108613804656465036638noreply@blogger.com0tag:blogger.com,1999:blog-881453359630927050.post-32051752629392189972010-06-11T12:12:00.000-05:002010-06-11T12:12:14.729-05:00Let's talk about Health Savings Accounts (HSA)

What is an HSA? An HSA (Health Savings Account) is a government regulated savings account where you can contribute money, tax-free, to pay for your medical expenditures, such as your deductible, prescriptions drugs, dental, vision and so on... Any unused funds in the account for the year, roll over to the next year. Your money in the account will earn interest that is tax-deferred. In order

jordan wishnerhttps://profiles.google.com/108613804656465036638noreply@blogger.com0tag:blogger.com,1999:blog-881453359630927050.post-78916818281916228502010-06-11T12:05:00.002-05:002010-06-11T12:05:35.412-05:00What does a copay cover?

Office visit copays cover the cost of your visit to either a specialist or non-specialist physician. Usually, a plan will have a copay from $20-$50. When paid, your copayment does not apply to your plans deductible or out-of-pocket expense limit. Your copay will only covers the cost of what the physician charges for that particular office visit. If you receive any immunizations or vaccines at

jordan wishnerhttps://profiles.google.com/108613804656465036638noreply@blogger.com0tag:blogger.com,1999:blog-881453359630927050.post-75057116326529838462010-06-08T14:43:00.000-05:002010-06-08T14:43:28.358-05:00Faced with COBRA??

You may not know...but for someone who has been terminated from employment after 6/1/2010 they are not eligible for COBRA subsidy and will be responsible for the whole cost. If you are now faced with the high cost of COBRA, here are some options: 1. If you have medical conditions that make you ineligible for health insurance in the private market you can pursue ICHIP. The Illinois

jordan wishnerhttps://profiles.google.com/108613804656465036638noreply@blogger.com0tag:blogger.com,1999:blog-881453359630927050.post-35029126855202967932010-06-04T10:34:00.000-05:002010-06-04T10:34:09.574-05:00Reviews from the shoppes clients..

The Health Insurance Shoppe allows current and past clients to write a review about their experience on YELP. We currently have a total of 6 reviews but only 3 are being shown on YELP, while the other 3 are being filtered since the reviewers are not active on YELP. Below are our 6 reviews from our clients...enjoy :-) Jason B. Chicago, IL 11/3/2009 The Health Insurance Shoppe was a pleasure

jordan wishnerhttps://profiles.google.com/108613804656465036638noreply@blogger.com0tag:blogger.com,1999:blog-881453359630927050.post-66657294124254683482010-06-02T16:40:00.000-05:002010-06-02T16:40:26.032-05:00Health Insurance 101

If you are in the search for a health insurance plan, Health Insurance 101 can be a great tool to help understand the following: Difference between insurance carriers HSAs Glossary of commonly used terms The link below will direct you to Health Insurance 101 http://bit.ly/9WblP1 Thanks, -The Shoppe

jordan wishnerhttps://profiles.google.com/108613804656465036638noreply@blogger.com1tag:blogger.com,1999:blog-881453359630927050.post-92066459713973774452010-06-02T14:47:00.001-05:002010-06-02T14:48:40.754-05:00#1 benefit to why HSA compatible plans are the plan to choose

Whether you are looking for health insurance coverage or are currently insured, the below link will take you to an illustration that will show how much one is to pay for a $10,000 hospital bill from 5 plans provided by BCBSIL. HSA Plan Exposure Comparison All 6 plans presented cover an annual physical and annual OB/GYN visit (mammogram and pap smear) under a $20 or $30 copay, even the HSA plan.

jordan wishnerhttps://profiles.google.com/108613804656465036638noreply@blogger.com0tag:blogger.com,1999:blog-881453359630927050.post-12859417172845340212010-05-28T09:26:00.000-05:002010-05-28T09:26:21.738-05:00For Clients and prospects on Medicare

CMS mailing to Medicare Beneficiaries: "Medicare and the New Health Law - What it Means for You"Beginning Thursday, May 27, Medicare beneficiaries across the country should begin receiving a copy of the brochure “Medicare and the New Health Law – What it Means for You." The mailing from the Centers of Medicare and Medicaid Services (CMS) outlines key provisions of the Affordable Care Act for

jordan wishnerhttps://profiles.google.com/108613804656465036638noreply@blogger.com0tag:blogger.com,1999:blog-881453359630927050.post-73037542887606021652010-05-27T17:49:00.000-05:002010-05-27T17:49:41.743-05:00Aetna starting to add dependents before new Health Bill begins on 9/23/2010

If you currently are insured with Aetna or know someone insured with Aetna...please share :- If you have a dependent child between 19-26 years of age, that is not a full-time college student, Aetna is beginning to add children back on to your coverage prior to the mandate that takes effect on September 23rd, 2010. Please call the shoppe to learn more about this immediate benefit. Thanks, -The

jordan wishnerhttps://profiles.google.com/108613804656465036638noreply@blogger.com0tag:blogger.com,1999:blog-881453359630927050.post-57762608709067796132010-05-22T13:52:00.000-05:002010-05-22T13:52:09.975-05:00NEW Cash for Cancer plan from Humana

The Health Insurance Shoppe has a new product to offer to accompany the purchase of a health insurance plan. Humana has introduced there Cash for Cancer plan for a limited time in Chicago. You can click the title of the this blog for a benefit highlight of the plan. The Cash for Cancer is a plan that will give the insured a cash payout from $10,000 - $50,000 in increments of ten when the

jordan wishnerhttps://profiles.google.com/108613804656465036638noreply@blogger.com0tag:blogger.com,1999:blog-881453359630927050.post-32247887359294417082010-05-13T13:53:00.000-05:002010-05-13T13:53:08.425-05:00Are you a small business owner

Please share this to any small business owners that you know! Effective 1/1/2010 small businesses with 25 or less employees with an average salary of $50,000 or less can receive a dollar-for-dollar 35% tax credit on the employers 50% share of premium currently being paid. Effective 1/1/2010 small businesses with 10or less employees with an average salary of $25,000 or less can receive a

jordan wishnerhttps://profiles.google.com/108613804656465036638noreply@blogger.com0tag:blogger.com,1999:blog-881453359630927050.post-31305254626169690472010-05-12T15:35:00.002-05:002010-05-12T15:35:12.696-05:00Our Purpose at The Shoppe

At The Health Insurance Shoppe our goal is to educate the consumer on their current or future health insurance benefits to make sure they are receiving the best possible benefit at the lowest possible price. What do we mean? We want to address consumers that currently do not have a HSA (Health Savings Account) qualifying plan.The Health Insurance Shoppe is a large advocate of HSA compatible

jordan wishnerhttps://profiles.google.com/108613804656465036638noreply@blogger.com0tag:blogger.com,1999:blog-881453359630927050.post-84763941368300109372010-05-11T16:46:00.000-05:002010-05-11T16:46:04.346-05:00Why HSAs plans are the way to go...w/o the actual HSA

What is an HSA compatible plan and why do I need one? First, when The Health Insurance Shoppe recommends an HSA compatible plan, we are recommending the actual health plan design more so than the actual Health Savings Account (HSA) that you have an option of opening. Traditional plan designs have 5 common elements: Plan Deductible The amount of money the insured must spend before the

jordan wishnerhttps://profiles.google.com/108613804656465036638noreply@blogger.com0tag:blogger.com,1999:blog-881453359630927050.post-91557245786759130972010-05-10T16:59:00.000-05:002010-05-10T16:59:52.387-05:00If you have recently applied for health insurance...beware

If you have applied for health insurance coverage with an effective date after 3/23/2010 and before 9/23/2010 than this blog may be important to how your plan is effected with the new health care bill. Right now, as everyone knows from media, a child less than 19 years of age can not be declined coverage or have any exclusions on pre-existing medical conditions. This law is to take effect on 9/

jordan wishnerhttps://profiles.google.com/108613804656465036638noreply@blogger.com0tag:blogger.com,1999:blog-881453359630927050.post-36829792942978374422010-04-25T12:18:00.000-05:002010-04-25T12:18:28.761-05:00A special thanks to our client's!

The Health Insurance Shoppe would like to say "Thank You" to our current clients. I hope that we have met your health insurance needs and at the same time, provided great service. Without you, It would not be possible for the shoppe to continue it's efforts in educating consumers on their health care choices, and in how to go about choosing a plan. If you would like to help us out further, a

jordan wishnerhttps://profiles.google.com/108613804656465036638noreply@blogger.com0tag:blogger.com,1999:blog-881453359630927050.post-49227014424868356352010-04-19T12:33:00.000-05:002010-04-19T12:33:14.904-05:00Currently on COBRA?

Are you currently paying COBRA premiums? Were you laid off, and are currently receiving subsidy? Did you leave your past employment voluntary and have elected COBRA? If you answered yes, than you should definitely call or stop by the shoppe and learn about your options. There are cheaper options available for coverage than your current COBRA costs, even when you are receiving 65% subsidy.

jordan wishnerhttps://profiles.google.com/108613804656465036638noreply@blogger.com0tag:blogger.com,1999:blog-881453359630927050.post-32961943029305992572010-04-12T14:40:00.000-05:002010-04-12T14:40:28.484-05:00FAQ's on small business tax-credit

Please click on the below link for information regarding the small employer tax-credit that is effective back dating to 1/1/2010. http://www.irs.gov/newsroom/article/0,,id=220839,00.html Call the shoppe with any questions! -The Shoppe

jordan wishnerhttps://profiles.google.com/108613804656465036638noreply@blogger.com0tag:blogger.com,1999:blog-881453359630927050.post-41345189367664551672010-04-12T13:45:00.000-05:002010-04-12T13:45:27.943-05:00How the small business tax-credit works

Do you own a small business? Are you currently offering health insurance benefits? Do you not offer health insurance benefits and are considering? Well...the below link will help you determine how much of a tax-credit you will begin receiving immediately. http://www.irs.gov/newsroom/article/0,,id=220809,00.html?portlet=6 Call the shoppe with questions! -the Shoppe

jordan wishnerhttps://profiles.google.com/108613804656465036638noreply@blogger.com0tag:blogger.com,1999:blog-881453359630927050.post-24288209338140143222010-03-27T11:27:00.000-05:002010-03-27T11:27:02.174-05:00How the bill relates to someone with a pre-ex medical condition

Effective 7/1/2010: Children under the age of 19 can not be declined coverage for a pre-existing medical condition when applying for private health insurance such as BCBSIL, Humana and Aetna When between 19-26 years of age a "dependent" will be allowed to join their parent's plan of health insurance If the parents can not afford the premium for the addition of their dependent, than coverage can

jordan wishnerhttps://profiles.google.com/108613804656465036638noreply@blogger.com0tag:blogger.com,1999:blog-881453359630927050.post-61027759060305790972010-03-25T12:40:00.002-05:002010-03-25T12:40:22.686-05:00FPL percentage calculator

Please click on the below link to determine your FPL percentage: http://www.safetyweb.org/resources/misc/fplcalc.asp -The Shoppe

jordan wishnerhttps://profiles.google.com/108613804656465036638noreply@blogger.com0tag:blogger.com,1999:blog-881453359630927050.post-7959621657387190792010-03-25T12:21:00.000-05:002010-03-25T12:21:27.148-05:00Are you a small business owner with less than 25 employees?

Are you a small business owner with less than 25 employees? Well...here is what you can begin to see if you currently offer health insurance coverage or are thinking on offering coverage in the near term: Beginning in 2010-2013 Employers with 25 or less employees with an average annual income of $50K amongst their employees will begin to receive a 35% tax credit on their 50% minimum

jordan wishnerhttps://profiles.google.com/108613804656465036638noreply@blogger.com0tag:blogger.com,1999:blog-881453359630927050.post-47299602471752093602010-03-23T19:01:00.000-05:002010-03-23T19:01:04.358-05:00What the bill means for someone who can't afford coverage currently

If you are currently want health insurance coverage and are unable to afford health insurance right now, you may be able to qualify for Medicaid. In 2014, Medicaid will be expanded on a larger income index scale. For now, the qualifying limits for Medicaid are: -Income not exceeding 133% or more of FPL -$14,404 or lower for individuals -$29,326 or lower for a family of four In 2014 you can see

jordan wishnerhttps://profiles.google.com/108613804656465036638noreply@blogger.com0tag:blogger.com,1999:blog-881453359630927050.post-70730933064544872762010-03-23T17:52:00.000-05:002010-03-23T17:52:09.371-05:00Mandate in having to have health insurance coverage

In 2014, it will be mandated that every American be required to carry health insurance coverage. When 2014 comes around and you are not currently covered by insurance...this is what will one will incur if they choose not to be covered: Under the legislation, most Americans would have to have insurance by 2014 or pay a penalty. The penalty would start at $95, or up to 1 percent of income,

jordan wishnerhttps://profiles.google.com/108613804656465036638noreply@blogger.com0tag:blogger.com,1999:blog-881453359630927050.post-7949115181611821262010-03-22T16:16:00.000-05:002010-03-22T16:16:17.744-05:00Blue Cross and Blue Shield of Illinois eligibility on common medical conditions

Please click on the below link to view how Blue Cross and Blue Shield of Illinois will treat common medical conditions at time of application. http://docs.google.com/fileview?id=0B4K7vlwJ6AOqOTI0ZWQ4OWMtY2YwOS00NzBiLWI5MDYtMDEyN2Y0NjgyMzll&hl=en Please call the shoppe with any questions! -The Shoppe

jordan wishnerhttps://profiles.google.com/108613804656465036638noreply@blogger.com0tag:blogger.com,1999:blog-881453359630927050.post-13610787346838892532010-03-22T11:16:00.000-05:002010-03-22T11:16:24.457-05:00What last night means for local readers...

Well the Democrat's could not be any more excited about what happened last night. Not one Republican voted for the House Bill. Still...the bill must go through the Senate where changes can be made. As of now, what you will notice in the near future of 2010 after the Bill is enacted is: A dependent child can be covered up until the age of 26, no matter what their current education status is. (

jordan wishnerhttps://profiles.google.com/108613804656465036638noreply@blogger.com0tag:blogger.com,1999:blog-881453359630927050.post-23601063098424811142010-03-18T18:07:00.000-05:002010-03-18T18:07:44.986-05:00Your taxes must be filed by the 15th of April. Were you able to take a $3,050 or $6,150 deduction for your 2009 Medical Expenses?

For those of you with your own private individual or family major medical health insurance, this blog is for you! Do you currently take prescription medications for daily or monthly treatment? Do you currently take a brand name birth control prescription medication (YAZ)? Do you currently have anxiety or depression and take maintenance medications? Do you currently have Asthma that requires

jordan wishnerhttps://profiles.google.com/108613804656465036638noreply@blogger.com0tag:blogger.com,1999:blog-881453359630927050.post-18028222896768254112010-03-18T14:37:00.000-05:002010-03-18T14:37:27.884-05:00Comparison of benefits on a small business consisting of 12 employees

Are you paying a high amount for health insurance coverage for your employees? If you have 12 or less full time employees please read below about the benefits of an HSA or HRA. When quoting a new business of 12 employees with Humana in the city of Chicago, below are the rates for two types of coverage: Humana Traditional Humana HSA Monthly

jordan wishnerhttps://profiles.google.com/108613804656465036638noreply@blogger.com0tag:blogger.com,1999:blog-881453359630927050.post-14982045090441677442010-03-17T14:52:00.000-05:002010-03-17T14:52:06.476-05:00How to solve the high cost of small group health insurance!

Are your health insurance premiums for your small business getting to costly? Are you waiting for the government to reform health care and lower your cost? Why wait...you can begin saving substantially now with HSA qualified high deductible health plans. How much can you save? 15-60% off your current costs Is there a reduction in benefits? No, but you can see an increase in benefits If

jordan wishnerhttps://profiles.google.com/108613804656465036638noreply@blogger.com0tag:blogger.com,1999:blog-881453359630927050.post-63471945741022568212010-03-17T14:21:00.000-05:002010-03-17T14:21:41.973-05:00What is Preventative Care / Wellness Care?

Preventative Care and Wellness Care are the same. For males: this will be your annual physical and any preventative lab work or diagnostic tests that are done on the same day in relation to your physical For males of an older age, this would include a PSA or a colorectal exam. For females: this will be your annual physical, annual OB/GYN visit that includes your mammogram and pap smear.

jordan wishnerhttps://profiles.google.com/108613804656465036638noreply@blogger.com0tag:blogger.com,1999:blog-881453359630927050.post-11317304740221137392010-03-15T14:23:00.000-05:002010-03-15T14:23:10.298-05:00Prescription Drug Coverage with Health Insurance

Do you currently take prescription medication and are without health insurance? If so, here is how prescription drug coverage is offered through various Illinois health insurance carriers. Blue Cross and Blue Shield of Illinois only offers a $10 copay for generics on 3 of their plans offered. Brand and Preferred Brand name drugs will be paid at a percentage by the insured, usually 35-50%. All

jordan wishnerhttps://profiles.google.com/108613804656465036638noreply@blogger.com0tag:blogger.com,1999:blog-881453359630927050.post-15810842300307227292010-03-15T10:02:00.000-05:002010-03-15T10:02:14.332-05:00Just laid off? Looking for a quick fix for your COBRA cost's?

Were you just laid off? Currently looking for new employment with health insurance benefits? Stop by The Health Insurance Shoppe to learn about Humana's new Short Term Medical health insurance plans that can be purchased for up to one year, one a month-month payment basis. These plans are going to be the lowest cost available option for accident or illness coverage. These plans are not meant

jordan wishnerhttps://profiles.google.com/108613804656465036638noreply@blogger.com0tag:blogger.com,1999:blog-881453359630927050.post-62031535191956890822010-03-13T15:03:00.000-06:002010-03-13T15:03:53.539-06:00The Purpose of The Health Insurance Shoppe

At The Health Insurance Shoppe our goal is to educate the consumer on their current or future health insurance benefits to make sure they are receiving the best possible benefit at the lowest possible price. What do we mean? We want to address consumers that currently do not have a HSA (Health Savings Account) qualifying plan. The Health Insurance Shoppe is a large advocate of HSA compatible

jordan wishnerhttps://profiles.google.com/108613804656465036638noreply@blogger.com0tag:blogger.com,1999:blog-881453359630927050.post-40569091004959591042010-03-08T14:47:00.000-06:002010-03-08T14:47:58.711-06:00The breakdown of a typical health insurance plan design

For those with health insurance currently....Let the shoppe ask you a question. What is your deductible? If it took you longer than 10 seconds to come up with a "maybe" response or no response at all...then read below. Every plan of health insurance will have two key common components. A deductible(1) and out-of-pocket(2), which when combined, equal your true exposure to risk in a calendar

jordan wishnerhttps://profiles.google.com/108613804656465036638noreply@blogger.com0tag:blogger.com,1999:blog-881453359630927050.post-69984786048525128912010-03-08T12:22:00.000-06:002010-03-08T12:22:02.391-06:00Taking a deduction on your medical expenses for 2010

Were you able to deduct your 2009 medical expenses: deductibles out-of-pocket prescription drug costs dental vision contacts, frames contact solution Physical Therapy Therapy If you were not, learn how to for 2010 with a HSA qualified plan. Stop by the shoppe or call to learn how! -The Shoppe

jordan wishnerhttps://profiles.google.com/108613804656465036638noreply@blogger.com1tag:blogger.com,1999:blog-881453359630927050.post-53245734839982218152010-03-08T12:11:00.000-06:002010-03-08T12:11:12.428-06:00If you are waiting for the government to solve your health insurance costs, Don't!

Why wait until 2018 for the government to help in the cost of your health insurance. Start today with an HSA (Health Savings Account) qualified plan. These plans can significantly lower your total premium costs, 30-40%, and also lower your exposure on large claims, without a reduction in benefits. Stop by the shoppe today or call for more information! -The Shoppe

jordan wishnerhttps://profiles.google.com/108613804656465036638noreply@blogger.com0tag:blogger.com,1999:blog-881453359630927050.post-15710908981450479502010-03-06T15:19:00.000-06:002010-03-06T15:19:46.709-06:00Looking for dental insurance in Chicago...

The Health Insurance Shoppe has recently been receiving a lot of phone calls as of late on dental insurance. Dental Insurance can be a little tricky in obtaining in the individual and family market. Currently, only 1 insurance carrier out of the 6 we represent offers dental insurance by itself. All other insurance carriers offer the benefit when you apply for their major medical health

jordan wishnerhttps://profiles.google.com/108613804656465036638noreply@blogger.com0tag:blogger.com,1999:blog-881453359630927050.post-46532818236542046582010-03-04T16:00:00.000-06:002010-03-04T16:00:03.349-06:00NEW Humana Short Term Medical Plans

Humana has entered the Short Term insurance market within the past month month and is the only insurance carrier that does not ask the question if you have been "declined" for prior coverage. Until now, if you were, short term coverage could not have been offered. So....this means that anyone who has been declined coverage and is currently left uninsured...there is an option!! With Humana's

jordan wishnerhttps://profiles.google.com/108613804656465036638noreply@blogger.com0tag:blogger.com,1999:blog-881453359630927050.post-247568377063322702010-02-25T14:44:00.000-06:002010-02-25T14:44:29.865-06:00Health Care Summit and Medicare Advantage

For those who are watching or listening to todays health care summit, Medicare Advantage has taken up a good amount of time of the summit. What is Medicare Advantage, and should the public be against it? First, you need to know how Medicare works. Medicare is a plan of insurance that we have paid into since we ever began receiving wages. Medicare is a 2 part system (Part A and Part B). Once

jordan wishnerhttps://profiles.google.com/108613804656465036638noreply@blogger.com0tag:blogger.com,1999:blog-881453359630927050.post-51726817082942117182010-02-23T11:32:00.000-06:002010-02-23T11:32:54.663-06:00Dental Insurance...is it a benefit??

Yes and No! When looking for dental insurance in the individual or family market (not group health insurance) there are limited options. Other than Aetna, all carriers require that dental insurance be purchased with your health insurance policy or added on as an additional benefit to current policies without. The Health Insurance Shoppe only represents one stand-alone dental product and that

jordan wishnerhttps://profiles.google.com/108613804656465036638noreply@blogger.com0tag:blogger.com,1999:blog-881453359630927050.post-47463995476013105012010-02-22T13:26:00.000-06:002010-02-22T13:26:17.342-06:00Looking for affordable individual health insurance??

Beginning today for the young (19-35), Celtic is going to be the most affordable option without a reduction in benefits when comparing to Blue Cross and Blue Shield of Illinois, Aetna, Humana, UHC and Assurant. It's simple...The plan is called the Celtic Saver HSA and has the following deductibles with 100% coverage after: $1,500 $2,600 $5,000 Below are the prices for single males living in

jordan wishnerhttps://profiles.google.com/108613804656465036638noreply@blogger.com0tag:blogger.com,1999:blog-881453359630927050.post-74619181463707052622010-02-20T14:40:00.000-06:002010-02-20T14:40:51.435-06:00Why HSA compatible health insurance plans make sense!

Lets put the actual Health Savings Account (HSA) aside and talk about the basics of the actual health insurance plan. One word : SIMPLICITY The health plan consists of one deductible, that all your medical expenditures (even prescription drugs) apply towards. Once the deductible is met, the insurance carrier will begin paying 100% for the remainder of the year. For 2010 the lowest compatible

jordan wishnerhttps://profiles.google.com/108613804656465036638noreply@blogger.com0tag:blogger.com,1999:blog-881453359630927050.post-85715037500821126812010-02-13T13:21:00.001-06:002010-06-11T12:04:28.462-05:00Office Visit Copays - What does the copay cover?

jordan wishnerhttps://profiles.google.com/108613804656465036638noreply@blogger.com0tag:blogger.com,1999:blog-881453359630927050.post-32529694527106660882010-02-06T15:15:00.001-06:002010-02-06T15:15:49.339-06:00This week in Health Care reform

Peek at the Week: Health Care Edition February 8-12, 2010 White House/Democratic Leadership: President Obama met with House Speaker Nancy Pelosi (D-CA) and Majority Leader Steny Hoyer (D-MD) yesterday to discuss health care reform and the jobs bill. Senate Democrats, led by Finance Chairman Max Baucus (D-MT), continue their work on jobs legislation that would include a short-term fix for the

jordan wishnerhttps://profiles.google.com/108613804656465036638noreply@blogger.com0tag:blogger.com,1999:blog-881453359630927050.post-34197289240708705052010-02-04T10:22:00.000-06:002010-02-04T10:22:32.173-06:00Lets talk HSAs

jordan wishnerhttps://profiles.google.com/108613804656465036638noreply@blogger.com0tag:blogger.com,1999:blog-881453359630927050.post-19415519363679618382010-02-03T10:48:00.001-06:002010-02-03T10:48:48.189-06:00Update on Health Reform

February 3, 2010 This Week in Health Reform Federal Legislative Overview House and Senate House and Senate Democratic leaders remain at an impasse on merging their respective health care reform bills. Senate Majority Leader Harry Reid (D-NV) stated that they will not move forward on any health care reform measures before Republican Scott Brown is sworn in as Massachusetts’ junior senator.

jordan wishnerhttps://profiles.google.com/108613804656465036638noreply@blogger.com0tag:blogger.com,1999:blog-881453359630927050.post-38008187504842731412010-02-02T09:57:00.000-06:002010-02-02T09:57:49.021-06:00HEALTH SAVINGS ACCOUNTS (HSA)

HSAs have been around since 2004, and were initially called Medical Savings Accounts (MSA) that were available in 1997, for the self-employed. HSAs are a government regulated savings account that is mean to pay to qualified medical expenses, such as: Plan Deductible Prescription Drugs Dental services Vision services Eye wear and contact lenses along with solution Advil and so on... The best

jordan wishnerhttps://profiles.google.com/108613804656465036638noreply@blogger.com1tag:blogger.com,1999:blog-881453359630927050.post-62628101612566123782010-01-27T14:10:00.003-06:002010-01-27T14:10:19.160-06:00Weekly update on Health Care Reform

This Week in Health Reform Federal Legislative Overview House and Senate Republican Scott Brown’s victory over Massachusetts Attorney General Martha Coakley (D) in the Jan. 19 special election to fill the seat of the late Senator Edward Kennedy (D) is proving to be a game-changer for the health care reform debate. It is now unclear what Democrats can do to pass President Obama’s most

jordan wishnerhttps://profiles.google.com/108613804656465036638noreply@blogger.com0tag:blogger.com,1999:blog-881453359630927050.post-66826580014523188972010-01-21T13:30:00.001-06:002010-01-21T13:30:57.650-06:00Whats the fuss, cont....

I also wanted to mention that my cable bill is $130/month, which includes my internet.

jordan wishnerhttps://profiles.google.com/108613804656465036638noreply@blogger.com0