• Critical illness coverage is a supplemental insurance policy that pays a lump sum check for a diagnosis of a critical illness. This is a great option to add to your health insurance, whether you’re covered in the private market, through an employer health insurance plan, or even Medicare. The types of diagnosis’ that typically qualify …

  • With open enrollment season approaching, now’s the time for HR professionals to kick off their planning. Due to the pandemic—and employees’ desire for flexibility—many employers now find themselves with a workforce on a hybrid schedule. It’s imperative they make appropriate adjustments to lead a successful open enrollment period. As a flexible model designed to support …

  • There are many benefits of working with a local health insurance broker. Give us a call or find an agent near you HERE. No Extra Costs – The price of your health insurance plan is legally regulated, so you will find the same premium no matter where you shop. Working with a Compass advisor means …

  • What is Medicare Part A? Medicare Part A is hospital insurance for in-patient services.  Three groups of people are eligible for Medicare Part A:  people 65 years and older people under 65 years with certain disabilities and people of any age with End-Stage Renal Disease.  How much does Medicare Part A cost? Very few people …

  • This is a common question we hear from our clients.  While it is true that often these terms are used interchangeably, let’s discuss some key differences in approaches taken by health insurance professionals when working with clients. Agent – A person or business authorized to act on another’s behalf. A health insurance agent is a …

  • How Obamacare Works I want to begin by helping you understand one of the most misunderstood words in health insurance, “Obamacare.” The government has done a great job in promoting Obamacare in that if you haven’t ever heard the term then you were probably one of the crew members aboard the S.S. Minnow with Gilligan …

  • To prepare for open enrollment, group health plan sponsors should be aware of the legal changes affecting the design and administration of their plans for plan years beginning on or after Jan 1, 2022. Employers should review their plan documents to confirm that they include these required changes. Our 2022 Open Enrollment Checklist is available …

  • Comparing Medicare Plans Comparing Medicare plans can be confusing. If you’re looking at Medicare options without the help of an agent, keep the following things in mind when comparing your options. Talk to one of our advisors if you have any questions. Coverage vs. Budget When you are deciding between Medicare Advantage and Medicare Supplements, …