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Karla Flores

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Myth 1 – You can only get a health insurance policy during the open enrollment  Nov 1st – December 15th

September 3, 2025 By Insurance Experts

Many individuals may not be fully aware of the variety of alternatives existing beyond the Affordable Care Act that are open for enrollment throughout the entire year. This signifies that if you find yourself in transitional phases such as job changes, undergoing a divorce, transitioning from a corporate role to initiating your own business venture, or relocating to a new state, you can readily access health insurance with immediate effect.

From brief interim plans to enduring arrangements featuring a fixed rate for your monthly premium, a diverse array of choices is at your disposal, catering to your specific requirements and financial considerations.

Are you experiencing concerns regarding the potential expenses associated with these alternatives? It is worth noting that a significant portion of these options carry a cost significantly lower than that of an unsubsidized Affordable Care Act plan.

To ensure optimal value for your premium expense, it is advisable to conduct thorough research into the assortment of options accessible. I am fully equipped to provide guidance in this endeavor. I never charge for a consultation!

Filed Under: Open Enrollment Myths

How to Find Free or Low-Cost Mental Health Support Groups

August 28, 2025 By Insurance Experts

“Taking care of your mental health is important. Sometimes that can be as simple as working more self-care into your day. Other times, you might need a little extra assistance from a mental health support group. A support group can be helpful for connecting with others who are going through your same situation and for learning new coping strategies. 

You can find a variety of mental health support and therapy groups in both in-person and virtual formats. They can be run by nonprofits, hospitals, peer support specialists, or licensed professionals. The good news is, you often can join them for free or a very low fee. 

Here is a guide to finding free and low-cost mental health support groups near you.”

Click here to continue reading.

Filed Under: Mental Health

Uninsured vs. Underinsured: What’s the Difference?

August 21, 2025 By Insurance Experts

“When it comes to health insurance, it’s easy to know if you’re uninsured: you either have coverage, or you don’t. But being underinsured is more of a gray area. You have health insurance, but because of a high deductible or other out-of-pocket costs, it doesn’t cover as much as you might need. Your income may not be high enough to offset the coverage gaps. 

Below, we break down what counts as being underinsured, the financial risks involved, and options if you find yourself in that position.”

Click here to continue reading.

 

Filed Under: Health Insurance

Older Americans say they feel trapped in Medicare Advantage plans

August 14, 2025 By Insurance Experts

In 2016, Richard Timmins went to a free informational seminar to learn more about Medicare coverage.

“I listened to the insurance agent, and basically, he really promoted Medicare Advantage,” Timmins says. The agent described less expensive and broader coverage offered by the plans, which are funded largely by the government but administered by private insurance companies.

Click here to continue reading.

Filed Under: Health Insurance

4 Tips for When Insurance Doesn’t Cover Your Medication

August 7, 2025 By Insurance Experts

It’s frustrating when your health insurance won’t cover your medication. Often, a drug appears on a formulary — the list of medications covered by an insurance plan — but then gets dropped. This can happen if a medication is seldom used, there is a generic available, or a more affordable option exists.Whatever the reason, you’re stuck with the full cost despite having coverage for prescribed medications. 

Here’s what you can do if your prescription medication is not covered.

Filed Under: Medication

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