Information Library
New Baby Could Mean New Health Coverage Options
Bringing a new bundle of joy into the world is an exhilarating and life-changing experience. From those tiny fingers to that adorable button nose, your newborn baby captures your heart in an instant. But amidst all the excitement and wonder, it’s important to...
5 Tips to Help You Pick the Right Health Insurance Plan
Are you ready to dive into the world of health insurance? Don’t worry, we’ve got your back! Navigating through the sea of options can be overwhelming, but fear not – we’re here to help. In this blog post, we’ll provide you with 5 tips to...
Explore Insurance Options for the Self-Employed
Are you a self-employed entrepreneur, with 0 to 3+ employees, wondering how health insurance coverage works? Do you have the same advantages and cost benefits? Are you wondering how you can explore your options and eligibility requirements? This article discusses what...
Health Insurance Options for Same-Sex Marriages
Due to the Supreme Court ruling legalizing same-sex marriage nationwide in 2015, same-sex married couples qualify for the same benefits under the Affordable Care Act (ACA) as heterosexual couples in all 50 states. But despite that fact, many same-sex partners remain...
ICHRA vs. Group Insurance: Which is Best?
Prioritize your employees It’s essential to constantly explore what is best for your company and employees on a yearly basis as health insurance options change each year. It may seem best to keep offering the same group health insurance that you offered last...
ACA Subsidies Lower the Cost of Monthly Premiums
Accessible, Affordable, and Attainable One of the key achievements of the Affordable Care Act (ACA) was the introduction of health insurance subsidies. For health insurance bought on the Marketplace, Obamacare subsidies lower the cost of monthly premiums for ACA...
The ACA ‘Family Glitch’ – Who Does it Impact?
The Affordable Care Act (ACA) led to the establishment of the Health Insurance Marketplace where anyone could buy their own health insurance plan. The tax credits created by the ACA meant that Obamacare could be an affordable way to get coverage if you didn’t have...
How Insurance Tech Saves You Time
What Can Insurance Technology Do for You? Consumers turn to digital technology for improved convenience and streamlined processes. New marketplace technology, such as the TrueCoverage app, is specifically designed for the insurance industry and can: Save you time by...
‘A’ is for Asthma
Asthma is one of the most undiagnosed and undertreated medical conditions. It occurs most commonly in children. About twenty-six million Americans suffer from asthma-and about six million of these are under eighteen. It is also the primary reason children miss school...
ACA Insurance & COBRA Plans: How They Work
Understanding COBRA Under certain circumstances, such as voluntary or involuntary job loss, workers and their families can continue group health benefits provided by their group health plan for a limited period of time if they lose their health benefits under the...
Everything you need to know about The Federal Poverty Level (FPL)
FPL (Federal Poverty Level) by Paul T. Montgomery In addition to Marketplace health insurance, Medicaid, and CHIP coverage, Federal Poverty Levels determine eligibility for specific federal programs and benefits. FPL (Federal Poverty Level) A modified adjusted gross...
Understanding the Difference Between Captive and Independent Agents
When considering a career as a health insurance agent or broker, you must decide whether to become an independent or a captive agent. Both have their advantages. Agents in captivity It is possible that you know someone who works for State Farm, Geico, or Allstate as a...
Guidance for the Rising Cost of Health Plans
Cost is a significant part of the health insurance selection process, and you can provide tremendous value to clients who may be new to the experience or recently experienced life changes. They could be uncertain about the influencing factors of cost, unaware of their...
What You Need to Know about the Health Insurance Marketplace
Do you need health insurance? Especially if this is your first time applying for insurance on HealthCare.gov, here’s what you need to know. 2023 Open Enrollment runs from November 1 to January 15, 2023. Health coverage can begin on January 1, 2023 if you enroll...
Qualifying for Medicaid and CHIP Coverage
Coverage under Medicaid and CHIP Many Americans have access to free or low-cost health coverage through Medicaid and the Children’s Health Insurance Program (CHIP), including some low-income people, families, children, pregnant women, the elderly, and people...
ENDOMETRIOSIS Shh! We don’t talk about it
Over six million women in the USA live with the chronic, complex diagnosis condition endometriosis. Yet this life-changing condition attracts little attention. Your interest in the article is likely sparked by the need to UNDERSTAND the cause of symptoms...
What is the deadline for clients to enroll in health insurance?
Here are some important dates to keep in mind November 1, 2022 First day to enroll, re-enroll, or change a 2023 health plan through the Health Insurance Marketplace®. Coverage can begin on January 1, 2023. December 15, 2022 January 1, 2023 is the last day to enroll or...
Know about Autism and where to look for advice
What is Autism? The chances are that if you are reading this article, you are already acquainted with the condition from direct family experience or indirectly from colleagues or friends. You will seek information to help you as a potential carer or to support...
Insurance Plans’ 10 Essential Health Benefits (EHBs)
These are the 10 Essential Health Benefit Categories: An ambulatory patient service is outpatient care you receive without being admitted to a hospital. Services for emergencies. Hospitalization (such as surgery and overnight stays) Maternity, newborn, and pregnancy...
How does a health insurance deductible work?
The need for health insurance cannot be overstated If you want to remain healthy and safe, you need the right, affordable health insurance. This will ensure that you get both routine and critical medical care at the right time. Though health insurance substantially...
How can I recognize that someone I know, is suffering from Alzheimer’s disease? What should I do?
Perhaps you are concerned that a friend, a relative, or yourself are showing signs of having problems with forgetfulness, problem-solving, or communication. Like weakening muscles, stiffening arteries, muscle wastage, and age-related memory failings, these symptoms...
Is Mental Health Therapy Covered by Health Insurance?
According to NAMI, the National Alliance on Mental Illness, an estimated one out of five U.S. adults experience a mental health issue every year. However, many of those afflicted do not seek help for their problems due to a litany of reasons, such as the stigma...
How much do Affordable Care Act health insurance plans cost?
Do you want health insurance, but not sure how much it will cost? The cost of health coverage may be more affordable than you think, whether you buy it through your employer or the Marketplace. Quality healthcare coverage is within reach and affordable if you’re...
Affordable Health Coverage Options for the Unemployed
As an unemployed person, you may be able to get an affordable health insurance plan through the TrueCoverage.com insurance marketplace, with savings based on income and household size. Connected to Healthcare.gov marketplace, you can now find out if you qualify for...
How to Find ACA Health Coverage for Retirees
Retired persons may be able to get an affordable health insurance plan through the TrueCoverage.com insurance marketplace. Connected to Healthcare.gov marketplace, you can now find out if you qualify for private plans and low-cost ACA plan coverage. Plans for retirees...
Do You Qualify for the Special Enrollment Period? Ask these Questions!
While the 2023 Open Enrollment window for the Affordable Care Act (ACA) ended at the beginning of the year, don’t fret if you haven’t gotten cheap health insurance coverage! We are currently in the Special Enrollment Period (SEP), which certain triggering events may...
FENTANYL – THE GOOD, THE BAD, AND THE UGLY
Background Fentanyl is a synthetic drug, a narcotic of the opioid group, designed in the late 1950s. It is used to treat severe pain, e.g., during surgery as an anesthetic, after surgery for acute (short-term) pain relief, or to ease end-of-life discomfort (chronic...
Insights into Dementia – What you need to know
What is Dementia? Dementia is most often associated with forgetfulness. A loss of neurons is a significant cause of forgetfulness. As Shakespeare might have said, ‘Some people are born forgetful, some develop forgetfulness, some...
Documentation of Special Enrollment
Special Enrollment Health Coverage Application Your clients may be asked to provide documents to confirm that they qualify for a Special Enrollment Period if they qualify due to a life event. These documents must be submitted before coverage begins. Special Enrollment...
The Importance of Breastfeeding During the COVID-19 Pandemic
Across the generations, there have been reasons to find alternatives to the biological imperative to breastfeed. Modern science has provided ever safer options for mothers for whom breastfeeding is not medically possible or who choose not to do so. The first and most...
What are Non-Pharmaceutical Drug Treatments for ADHD?
Yes, there are non-pharmaceutical approaches to supporting those living with ADHD-affected loved ones and minimizing their dependence on pharmaceutical drug intervention and the risk of side effects. We spoke recently on what to do if you suspect your child has ADHD,...
What Should I Do if I Think my Kid has ADHD?
So just what is ADHD anyway? Attention Deficit Hyperactivity Disorder (ADHD) is a neurobehavioral disorder that affects the brain’s ability to control regular and sustained attention as well as hyperactivity in some cases. ADHD is usually diagnosed in childhood and...
It’s Pride Month – Let’s Talk Health Insurance for Same-Sex Marriages
Due to the Supreme Court ruling legalizing same-sex marriage nationwide in 2015, same-sex married couples qualify for the same benefits under the Affordable Care Act (ACA) as heterosexual couples in all 50 states. But despite that fact, many same-sex partners remain...
Do I have “Long COVID-19?”
The term “Long COVID” has been frequently spoken about in the news media as of late. If you still feel like you are recovering from lingering symptoms from a prolonged past COVID-19 infection, your symptoms may be due to a case of Long or Post COVID-19. The World...
What Does it Cost to have a Baby in a Hospital?
Nearly 4 million women in the United States will give birth annually and in 2020 alone, approximately one in nine U.S. women of childbearing age was uninsured. If you are insured, the cost of having a baby will require you to first meet your insurance’s deductible,...
Does Insurance Cover Abortions?
Due to the recent leak of a draft supreme court ruling with the potential to overturn Roe V. Wade, many Americans have questions regarding current and future abortion protections in the United States. One such common question is whether insurance even covers the cost...
Will my Health Insurance Cover Therapy?
According to NAMI, the National Alliance on Mental Illness, an estimated one out of five U.S. adults experience a mental health issue every year. However, many of those afflicted do not seek help for their problems due to a litany of reasons, such as the stigma...
Millions at Risk to Lose Health Insurance as Pandemic Ends
A recent CNN.com article detailed the recent successes of the Affordable Care Act (ACA) as well as the approaching risk of losing coverage for many of those success stories due to the end of the pandemic’s national public health emergency. Under the current...
Moving? What a Change in Residence Means for Your Health Insurance
While the 2022 Open Enrollment window for the Affordable Care Act (ACA) ended at the beginning of the year, don’t fret if you haven’t gotten cheap health insurance coverage! We are currently in the Special Enrollment Period (SEP), which allows certain triggering...
Do I Need & am I eligible for a Second Covid-19 Booster Shot?
Even if you are fully vaccinated against COVID-19, your immunity to COVID reduces over time. Booster shots are needed to maintain your resistance to infection and reduce the chances of the more severe consequences that might lead to hospitalization. The word “viral”...
Coffee Makes You Poop. Now We Know Why.
A recent article from CNN.com asked the question many of us have spent our mornings pondering while on the toilet, “Why does coffee make you poop?” There haven’t been many serious studies on the subject, but other studies over the years have found coffee good for...
Am I or Someone I Love, an Alcoholic?
Most people in America consume alcohol periodically, more than 85 percent in fact. Occasional use of alcohol is not necessarily harmful. Some doctors claim that small quantities of alcohol add to the beneficial effect of a good diet in reducing the incidence of heart...
Biden Looks to Fix the “Family Glitch” in the Affordable Care Act
The Biden administration recently announced a proposal from the U.S. Treasury Department to fix an issue that has existed in the Affordable Care Act (ACA) since its inception, the so-called “family glitch.” Under the original ACA, a person or family is...
What is Alopecia? (Hair Loss)
For many, the pop-culture debate regarding the slap heard round the world at this weekend’s Academy Awards ceremony has resulted in more questions than answers. Today we will get down to the root of one of those questions; just what is alopecia anyway? Alopecia is the...
Understanding Developmental Disabilities in Children
Anyone considering starting a family, expecting a child currently, or just watching their current children grow will at some point worry about any possible developmental disabilities present in their child. But just what are developmental disabilities? This is...
Kidney Health During Kidney Month
March is National Kidney Month, but one should be aware of kidney disease year-round. But just what is chronic kidney disease? Thirty-seven million Americans suffer from chronic kidney disease, and millions more are at risk to join them, so the problem is more common...
COVID-19 and Your Pets w/ Infographic
A recent article and infographic posted by PetNewsDaily detailed the risk to household pets from COVID-19; we share the infographic at the bottom of this article. Cats, in particular, are vulnerable to COVID-19, so both pets and their owners should be sure to avoid...
Millions to Lose Medicaid & CHIP Coverage as COVID-19 Emergency Ends
Due to the COVID-19 public health emergency, the Families First Coronavirus Response Act was passed in March 2020. This bill required states to halt their standard eligibility checks on current and new Medicaid and CHIP users, which could often result in denials of...
Thyroid Disease Awareness
Did you know that approximately 20 million Americans are affected by some type of thyroid disease? But just what is the thyroid, and why does it matter? The thyroid is a butterfly-shaped endocrine gland in your neck just above your collarbone, wrapped around your...
Claiming Crypto: How to File Cryptocurrencies on Your Taxes
In recent years, buying and selling in cryptocurrencies has been all the rage, but what does that mean for your tax return? With so many apps to buy and sell crypto, it can quickly become a complex task at tax time. So, what key things do you need to know when filing...
Stay Heart Healthy for American Heart Month
February is American Heart Month. But just what is the difference between a heart attack, heart failure, stroke, and how are they affected by conditions such as heart disease and high blood pressure? Stoke and cardiac arrest (also known as a heart attack) are acute...
Five Things You Can Get Free From the U.S. Federal Government
We all pay taxes, and we all resent it. So often, it seems like we get nothing tangible in return. Still, there are many things you can get free of charge from the federal government, here are just a few: 1) Cell Phone – Recognizing that cells phones are essential for...
How to Find Affordable Health Insurance Coverage for Young Adults
If you are currently a young adult, you probably do not remember a time before the inception of the Affordable Care Act (ACA), sometimes called Obamacare. Back then, insurance companies did not have to continue covering you through your college-age years. But one of...
Free COVID-19 Home Tests Coming to Medicare
As we recently reported to you on the TrueCoverage blog, health insurers were recently required by the current administration to cover the cost of several COVID-19 home testing kits per month. Surprisingly, this U.S. government requirement of health insurers did not...
How to Get Free COVID-19 Tests and Masks
With the recent surge of the fast-spreading Omicron-variant of COVID-19, it seems like every pharmacy you visit is out of tests, and every in-house testing facility features long lines and even longer waits for results. That is why the U.S. government has introduced...
Cancer Awareness, Detection, and Prevention
Cancer Awareness Most people know the effects of cancer, regardless of the type, on an individual and their family. Studies have found there is a 40 percent chance of developing cancer among men during their lifetime. This statistic likely does not surprise you. It...
Congenital Disability (Birth Defect) Prevention
Not all congenital disabilities (once referred to as birth defects) can be prevented. Still, risks can be reduced by making good choices before and during pregnancy, increasing the likelihood of having a healthy baby. Identifying Congenital Disabilities By using...
Five Ways to Get Healthy in the New Year
Have you ever seen a list of ways to get healthy in the New Year? Bet you have. There are lots of them. Most of them will tell you to start a new trendy and complicated diet, start working out every day, or otherwise completely change your life. This will be a...
COVID-19 Pills are Here, but can they Help Stop the Spreading Omicron Variant?
Two new COVID-19 treatments in pill form have recently hit the streets, but how do they work, and how can you get them? Both pills, Molnupiravir from Merck and Paxlovid from Pfizer, need to be started in patients right away to be helpful in their cause of reducing...
Maximizing Your Annual Health Insurance Plan Deductible
Like all forms of insurance, health insurance is designed to protect you from the unexpected. Very few of us can afford the high costs of medical interventions resulting from chronic illnesses or severe accidental injury. But unlike other forms of insurance,...
How to Destress This Holiday Break
Facing the scary thought of taking a few days off from work over the holiday season? Concerned about getting all your shopping and wrapping complete in just a couple of days? Fret no more, we’ve got some tips to help you destress your mind and body this holiday...
But What is in the Build Back Better Bill?
The House has passed President Biden’s chief bill of legislation for his first term, the Build Back Better Bill, which features all sorts of improvements to citizens’ healthcare and childcare but also other more partisan agenda items, such as assistance...
Omicron Variant of COVID-19 Enters the U.S.
The New York Times has recently reported the first-ever case of the COVID-19 omicron variant in the United States, according to the Centers for Disease Control and Prevention (CDC), on December 1, 2021. Coincidentally on World AIDS Day, a...
Diabetes Awareness Through the Holidays
For the past 46 years, the United States has recognized November as National Diabetes Month to bring awareness to the disease. But now, as we exit the Thanksgiving holiday and begin thinking about consuming all the rich foods of the remaining...
What Does Working from Home Mean for my Health Insurance?
What Does Working from Home Mean for my Health Insurance? In October 2021, the U.S. Bureau of Labor Statistics reported that 4.1 million people had quit their jobs in the United States during 2021. Many of those millions...
Tips to Relieve Seasonal Depression
When days get shorter, and the weather gets colder in the fall and winter, you might notice a change in your mood, too. Seasonal depression, also known as seasonal affective disorder (SAD), refers to the depression that correlates with the change...
Veterans Day 2021
Veterans Day is fast approaching this coming November 11, and it offers us a day to honor and give thanks to America’s veterans of all wars. Observed on World War I’s Armistice Day, the date was initially made a federal holiday in 1938 to honor The Great War’s...
OSHA Lays Out Rules of Biden’s Vaccine Mandate
There has been much speculation regarding President Biden’s vaccine mandate in the few months since it was announced. Still, now the Occupational Safety and Health Administration (OSHA) has issued rules regarding the rollout, as detailed in a recent NPR article....
The Fight to Hold on to ACA Enhancements in Congress
A recent CNN report detailed the current Congressional battle to hang onto temporary enhancements made to premium healthcare subsidies by the American Rescue Plan (ARPA). These additions to the Affordable Care Act (ACA) allowed an additional nearly 3 million people to...
Dr. Fauci Says Halloween 2021 is a Go for Kids and Adults
As the Food and Drug Administration is still considering Pfizer’s request to authorize their COVID-19 vaccine for use by children aged 5 to 11, one might assume that the nation might face yet another canceled year of Halloween trick or treating for the kids. But not...
Why Get a Flu Shot with a COVID-19 Vaccine?
As flu season begins, many people are planning to get a flu vaccine. But does it matter if you have been vaccinated against the coronavirus? The Centers for Disease Control and Prevention (CDC) and the World Health Organization (WHO) recommend annual influenza...
Unvaccinated Pregnant Women Facing Increased Risk of Death from Delta Variant
COVID-19 deaths in pregnant women continue to rise as the total reached 171 maternal deaths from the disease in the United States with 22 in August alone, according to the Centers for Disease Control and Prevention, as they urgently recommended vaccination for...
The 1, 2, 3 Open Enrollment Renewal Process
As we approach the Affordable Care Act’s Open Enrollment period from November 1, 2021, through January 15, 2022, for 2022 plan year coverage, you are hopefully thinking about renewing your policy and any potential changes to be made to...
Five Epic Fails Often Made When Looking for a Health Insurance Plan
Focusing Only on Monthly Premium Costs The premium, or monthly cost of your policy, is often what people focus on when purchasing a healthcare plan. Second, they may consider the deductible, which is the money you will need to spend before your insurance pays for...
Suicide prevention month
Did you know that suicide is the tenth leading cause of death in the U.S. States? According to the Centers for Disease Control and Prevention (CDC), it absolutely is, totaling almost 50,000 deaths in 2019. Suicide and mental health issues are on the rise during the...
What is Long-Term Healthcare Insurance? And, is it Worth the Cost?
Most don’t like to dwell on the thought, but most of us will have to depend on others for our daily needs later in life. Long-term healthcare insurance is a tax-efficient way of saving funds for the specific purpose of meeting the long-term care costs not...
President Biden Makes Sweeping Employer Vaccine Requirement Pronouncement as Delta Variant of COVID-19 Strengthens
A recent article on CNN.com detailed the new vaccine requirements for certain key employers set-forth by President Biden amid the recent surge of the delta variant of COVID-19 in the U.S. The new rules apply to two-thirds of the American workforce including federal...
Recent Poll Finds Eldercare a Fast Growing Workplace Concern
A recent article on Benefits Pro details a Homethrive2021 Employee Caregiving Survey that found that two-thirds of respondents stated that expanding access to home-based care for the elderly is important. In fact, this ranks higher in importance to middle-class...
