Is there such a thing as ‘glasses insurance’?

If you’ve recently discovered you need glasses, you know it’s time to start budgeting for them. Glasses can cost hundreds of dollars out-of-pocket, and they may need to be updated each year! But don’t let yourself get too stressed. There is a product that can help you cover the cost. Just don’t call it ‘glasses insurance.’

Technically, there is no official product known as ‘glasses insurance.’ However, that doesn’t meanthere isn’t a product that covers glasses. This product is known as vision insurance.

What is vision insurance?

Vision insurance is a supplemental health insurance product. Think of dental insurance and vision insurance as members of the same family. They cover services that are not usually covered by standard health insurance plans.

Vision insurance covers more than glasses. Many vision plans also cover:

• Regular eye exams with an optometrist
• Corrective contact lenses (in place of glasses)

Give us a call at our national message center: 888- twentyfour 1, forty 3 and 1. 

Free eBook: Be Prepared, Be Safe, by Terry Scott Insurance Agent

I put the eBook, Be Prepared, Be Safe together for my insurance clients. Now you can get one copy for your own use at no cost; even if you are not a client. 

*Insurance agents, ask how you may be one of the select agents who get free publishing rights to give it to your clients.

To contact me for either of the above, use my email in the paragraph below:

You can also "gift" it to up to 3 of your family members and friends. 

Go here to download up to 3 "Gift" Certificates.

What is the difference between an FSA and an HSA?

Do you know the difference between an FSA and an HSA? Both are pre-tax savings accounts that help you cover medical costs, but they play by different rules. Here are the basics on each and how to know which YOU can take advantage of!

READ MORE.

Terry Scott with Healthmarkets makes understanding insurance easy!

Counsel ::REASON three OF THREE

Don’t be intimidated by complex insurance jargon.

We’re here to translate and make shopping for plans as simple as it should be. Give us a call. We love breaking it down for you.

There’s a reason HealthMarkets is a leading independent health insurance marketplace.

Actually, there are three reasons:

Convenience : Choice : Counsel :

The second reason people choose HealthMarkets (Life and Health, Duluth MN/Superior WI)

There’s a reason HealthMarkets is a leading independent health insurance marketplace.

Actually, there are three reasons:

Choice ::REASON two OF THREE

People come in all shapes and sizes, and so should their coverage options.

We’ve researched and selected insurance plans from over 180 companies nationwide to let you be as choosy as you want.

There’s a reason HealthMarkets is a leading independent health insurance marketplace.

Actually, there are three reasons:

Convenience ::Reason one of three

We operate on your schedule with 24/7 service.

However you like to shop—online, over the phone or face-to-face with a local agent—HealthMarkets has you covered.

Insurance Agents can earn more by offering more related products to their clients, look here.

INSURANCE AGENTS: YOU ARE LEAVING MONEY ON THE TABLE!

You could be helping your clients with products that they can not usually get through their regular insurance agent (if you are the agent, let's fix this).

I offer several products that you should know about. And, your clients needs to know about them too because it is costing them money, or security or both.

Get a free listing of what you need to add to your line of products (many of which you can still offer even if you are a "captive" agent) by requesting it at: tlsinsuranceagentAT(replace AT with @sign)yahoo.com. 

Use "Send me insurance product list" in the subject line and also include your phone number with best time to call you.

Obamacare Re-enrollments for 2016; the facts are here.

Were you AUTOMATICALLY entered in the "auto renew" for this year's Obamacare? If you did not intentionally check the box to "opt out" your plan may be "auto-renewed". That may be "just fine" if you are happy with everything in your plan this year, your plan still exists, and you don't want to make any changes.

Here's an informative article which will enlighten you to the facts if you care to read it. CLICK HERE. 

My suggestion is to let us help you in your re-enrollment this year (and following); our service is FREE and we'll be sure to do things right so you'll get the peace of mind in knowing that you won't be getting any penalties.

We're filling our schedule now for the days in November to assist you over the phone and Internet to enroll in the ACA. (After we have our roster filled, we will gladly refer you to a "navigator" in your area). Call now to schedule your appointment: 888-241-4031. 
Important dates for 2016 enrollment:

• November 1, 2015: Open Enrollment starts — first day you can enroll in a 2016 Marketplace plan
• January 1, 2016: First date 2016 coverage can start
• January 31, 2016: 2016 Open Enrollment ends

If you don’t enroll in a 2016 plan by January 31, 2016, you can’t enroll in a health insurance plan for 2016 unless you qualify for a Special Enrollment Period.

"Life events" that (generally) qualify for a special enrollment period (SEP) with Obamacare

This information was gleaned from healthcare.gov. Navigating through the ACA (sometimes called Obamacare) can be very confusing. That's why we offer our clients (and prospective clients) our assistance free or we can refer you to a "Navigator" in your area. Call us at: 888-241-4031 or CLICK HERE to go to our site. 

The following life events will generally qualify you for a special enrollment period:

• You signed up for the marketplace, but you were unable to complete the enrollment process for any reason (until mid-April 2014)
• Getting married
• Birth, adoption, or placement of a child
• Permanently moving to a new area that offers different health plan options
• Losing other health coverage (including job loss for any reason, divorce, loss of eligibility for Medicaid or CHIP, expiration of COBRA coverage, aging of a parents plan, or a health plan being decertified). Note: loss of coverage does not include voluntarily quitting other health coverage or being terminated for not paying your premiums. Losing coverage that is not minimum essential coverage also fails to qualify as loss of coverage.
• For people already enrolled in Marketplace coverage, having a change in income or household status that affects eligibility for tax credits or cost-sharing reductions
• An individual who was not previously a citizen, national, or lawfully present individual gains such status.
• A qualified individual’s enrollment or non-enrollment in a QHP is unintentional, inadvertent, or erroneous and is the result of the error, misrepresentation, or inaction of an officer, employee, or agent of the Exchange, HHS, or its instrumentalities as evaluated and determined by the Exchange.
• An enrollee adequately demonstrates to the Exchange that the QHP in which he or she is enrolled substantially violated a material provision of its contract in relation to the enrollee.
• An individual is determined to be newly eligible or newly ineligible for advance payments of the premium tax credit or has a change in eligibility for cost-sharing reductions, regardless of whether such individual is already enrolled in a QHP. The Exchange must permit individuals whose existing coverage through an eligible employer-sponsored plan will no longer be affordable or provide minimum value for his or her employer’s upcoming plan year to access this special enrollment period prior to the end of his or her coverage through such an eligible employer-sponsored plan.
• An Indian, as defined by section 4 of the Indian Health Care Improvement Act, may enroll in a QHP or change from one QHP to another one time per month.
• A qualified individual or enrollee demonstrates to the Exchange, in accordance with guidelines issued by HHS, that the individual meets other exceptional circumstances as the Exchange may provide.

DO NOT call the number in the video; for faster service, call me direct: 888-241-4031 or CLICK HERE to go to my site. 

CRITICAL DEADLINES for Open Enrollment period for Obamacare health insurance 2016 in Duluth MN/Superior WI.

Open enrollment will be upon us soon! Schedule an appointment to get (FREE) help from our office so you won't be "standing in line", "waiting until the last minute",  and perhaps miss the deadlines! We are taking appointments to speak and enroll you by phone and Internet during the open enrollment period now. Call our National Message Center and leave your name, and phone number and we will reply as soon as possible. 

The Open Enrollment period for Obamacare health insurance in 2016 is November 1, 2015 to

January 31, 2016. Critical deadlines are:

·         November 1, 2015: Open Enrollment begins. Apply for or change your coverage.

·         December 15, 2015: Deadline in order to have coverage that begins on January 1, 2016 (if you apply on December 16 you’re coverage will most likely not start until February 1).

·         December 31, 2015: Coverage ends for 2015 plans. You will be auto-renewed if you don’t change your plan.

·         January 31, 2016: This is the last day you can apply for 2016 coverage before the end of Open Enrollment.

If you miss this window you cannot enroll until the Marketplace re-opens in November 2016 unless you have a special “life event” such as having a baby or losing your job. This is designed to prevent people from taking advantage of the system by enrolling and dropping insurance multiple times a year when they only get sick.

If you don’t enroll in Obamacare in 2016, you’ll be fined 2.5% of your income or $695 per adult, whichever is higher.

Watch the video below but DO NOT call the "National" number shown in the video; call me direct at: 888-241-4031 (Clients receive my personal cellphone number) or click here to go to my personal website. I look forward to potentially working with you. 

Seeing Machines, Australian company helps your car to be safe...

Your car sees you when you’re sleeping, it knows when you’re awake

Here’s another innovation that will help keep your eyes on the road. The Jaguar F-Type is outfitted with a distraction-monitoring system developed by Seeing Machines, an Australian firm specializing in real-time facial recognition technology. READ MORE. 

As your health and life insurance agent, I don't do P&C (property and casualty) yet I am still concerned about your safety. So I was interested in this article above (plus I do like Jaguars!). 

And because I am concerned about people's health and safety, when people run across a blog article like this or land on one of my websites and request answers to their questions, I try real hard to get back to them ASAP! 

Here is a letter that I email someone right away when I get such a request: 

Dear NAME,

Thank you for requesting information (as shown in the attached) at one of our websites or through our other marketing channels.

My name is Terry Scott and first and foremost I want you to know that I work for you; for FREE. I know that’s odd in this day and age, but that’s how it is. I am here to answer your questions at any time via email, or by phone.

I’m your agent representing HealthMarkets which is the leading company in America. We actually represent all the insurance companies available today so we are you one stop source for health and life needs.

If I have not spoken to you yet by phone, I will do so soon or you may call my cellphone at: 123-456-7890. I look forward to speaking with you.

Make it a great day!

Terry Scott

PS. If you have requested something on a Friday or during the weekend, I will get back to you as soon as I can on Monday.

PSS. When we speak, let me know that you would like my newest book:

“Be Prepared, Be Safe” which is sold at $29.99 but it is yours FREE when you call.

http://agents.healthmarkets.com/terryscott

https://www.facebook.com/healthmarketsUSArep

http://tlsinsuranceagent.blogspot.com

Notice: This mail is NEVER sent unsolicited. You are receiving this email because you visited one or our Web sites and requested information about our protection/insurance strategies or because you subscribed (or someone subscribed with your address) by email to our Insurance Personal/Family Protection Tips Newsletter.

This email is intended "only" for subscribers. We keep copies of all subscriber  and insurance requests.

This blog is read by my clients and other insurance agents so if you are an agent, feel free to do something like this yourself and let me know what you think about this letter; one way or the other; I appreciate your feedback. 

And, dear reader, if you'd like my "Be Prepared, Be Safe" book, let me know and you can get it for half price when you mention this blog post.

NOTE BY AUTHOR: When I was reading through this blog post before publishing I realized that this letter is not "exactly" how it is because I have edited it; however you get the idea. 

Insurance Clients save money on everyday purchases...

As an insurance agent who truly cares about the well being of my clients, I'm always looking for ways to help them. I found this opportunity where consumers can save money and get cashback on purchases at "big box stores" like sears, Home Depot, and others. It's a free card and you can get a digital version by clicking on the image below.