Anne and John, are both in their seventies. They’ve been married for decades and have lived in their home for years. Unfortunately, Anne recently fell and broke her hip, so they hired private aides to help her with daily activities like bathing, transferring, and walking. Thankfully, Anne and John had Long Term Care Insurance (LTC), …
Lindsey was 48, divorced, and had been utilizing her COBRA ( Consolidated Omnibus Budget Reconciliation Act) benefits under her ex-husband’s insurance plan. This coverage was ending and she was overwhelmed with the thought of finding new coverage and wanted a consultant to help her. She contacted Healthcare Pathfinder to help her find the best individual …
In April 2019, Sidney was 41 years old and had 3 young children. She unexpectedly lost her husband. She was completely overwhelmed and need assistance understanding and choosing a health insurance plan for her and her family. Her financial advisor recommended she contact Healthcare Pathfinder (HCP) to help her understand her options and make a …
Lisa who was 54 years old was going through a divorce. She was concerned about losing the excellent health insurance coverage she currently had through her husband’s employer and what her insurance costs would be in the future. Her divorce attorney recommended that she contact Healthcare Pathfinder (HCP) to discuss her concerns. Lisa met with …
Sue contacted Healthcare Pathfinder (HCP) six months before she was turning 65. She was confused about how and when to enroll in Medicare Parts A & B and all of the other plans: Advantage, Supplements, and Prescription drug plans. The whole process seemed very overwhelming and she wanted to make sure she didn’t make a …
Joe was 64 years old and retired. His wife was 50 years old, and they have two young daughters. Their COBRA insurance (former company plan) was ending in 2 months. He would not be eligible for Medicare for another year, so he and his family would need a family insurance plan. He wanted advice on …
Jim, 60 years old, was diagnosed with a life debilitating illness. He and his family were devastated. He was still working and had excellent health insurance coverage. He and his family became clients when they started getting overwhelmed with medical bills and did not understand their insurance coverage. They were seeking medical services all over the …
Read your plan’s coverage documents, every year, even if you think you know what they say. Before you can figure out how to use your plan, you have to know what’s in it. Especially important to know your plan type – HMO? EPO? PPO? Also, know your deductibles and out-of-pocket cost limits. Find yourself a …
5 Tips to Get Most out of your Health Insurance CoverageRead More »
If you have a new or different medical, dental and/or prescription drug plan for 2023, the insurance company will send you a new ID card, along with other important plan information. It is important that you open all mail from your insurance carrier as it will include your plan documents, ID cards and premium information. …
2023 Coverage: 10 Tips to Prepare So You’re Ready When You Need ItRead More »
It is open enrollment time! Does your company offer a Health Savings Account (HSA) plan or a Flexible Spending Account (FSA) plan? It might be in your best interest to enroll in one or both of these tax savings accounts. A Health Savings Account (HSA) is a type of savings account that lets you …
Employer Health Saving Accounts (HSA) vs Flexible Spending Accounts (FSA)Read More »