Health Insurance Uncorked

Health Insurance Uncorked Information and updates on health insurance changes and options for individuals, families and small businesses.
(6)

Operating as usual

Christmas waves a magic wand over this world, and behold, everything is softer and more beautiful.Norman Vincent Peale
12/25/2020

Christmas waves a magic wand over this world, and behold, everything is softer and more beautiful.

Norman Vincent Peale

Did you miss Open Enrollment? You can still get health insurance by January 1st. Give me a call 480-650-0018.
12/22/2020

Did you miss Open Enrollment? You can still get health insurance by January 1st. Give me a call 480-650-0018.

To receive the best return on your premium dollar spent, one should research the different options available through ind...
12/17/2020

To receive the best return on your premium dollar spent, one should research the different options available through individual health insurance plans. They frequently are less expensive than Affordable Care Act plans. Most importantly, they are available to start 365 days a year. You don’t have to wait for open enrollment. Contact your trusted InsuranceExperts.team member to get a comparison quote today. There is no obligation or risk to you to consider your options. https://insuranceexperts.team/you-dont-have-to-wait-for-open-enrollment-that-is/

When an employee leaves a corporate insurance plan, they have an option to go on COBRA. But their premium will typically...
12/10/2020
Corporate or Private Insurance? - Insurance Experts Team

When an employee leaves a corporate insurance plan, they have an option to go on COBRA. But their premium will typically double since the corporation is no longer contributing their share. Usually the insured is better off going with a private insurance plan. They have more options at a lower premium. Contact a member of the InsuranceExperts.team today to get a no risk, no obligation comparison of your COBRA plan with a private plan. https://insuranceexperts.team/corporate-or-private-insurance/

Corporate health insurance plans were expanded as a tool to attract and retain good employees. They may offer more doctor visits, labs, imaging with co-pays. However, the trade-off is that they are very expensive even with the employer contribution. Now corporate plans come with fewer benefits and h...

Since the beginning of the pandemic, telemedicine aka telehealth has become more common. It has some distinct advantages...
12/03/2020
Telehealth 101 - Insurance Experts Team

Since the beginning of the pandemic, telemedicine aka telehealth has become more common. It has some distinct advantages. Even if you are not technology savvy, the systems are very user friendly and there is help available. It is safe, convenient and can be less expensive than going to urgent care or a doctor’s office. If you need an affordable telemedicine plan, contract me. https://insuranceexperts.team/telehealth-101/

When COVID-19 shut down many doctors’ offices, the virtual visit, also called telemedicine, became a much more common way to receive medical attention that may be been received in an urgent care or a visit to the doctor’s office. How it works…typically you will pre-register when you subscribe ...

Gratitude unlocks the fullness of life. . . . It can turn a meal into a feast, a house into a home, a stranger into a fr...
11/26/2020

Gratitude unlocks the fullness of life. . . . It can turn a meal into a feast, a house into a home, a stranger into a friend. Gratitude makes sense of our past, brings peace for today, and creates a vision for tomorrow.

Melody Beattie

What is the REAL purpose of health insurance? Originally health insurance was for catastrophic events. Then corporations...
11/19/2020
What is Health Insurance and Why - Insurance Experts Team

What is the REAL purpose of health insurance? Originally health insurance was for catastrophic events. Then corporations began expanding coverage as a way to attract and retain good employees. Soon all kinds of things from doctor visits to cosmetic surgery to in vitro fertilization were covered. Now the pendulum is swinging back to catastrophic coverage because the cost of companies’ insurance coverage just got too big. You still have plenty of good options though! Sit down with a member of the InsuranceExperts.team to look at your options, your needs, your budget. They can guide you to the best solution! https://insuranceexperts.team/what-is-health-insurance-and-why/

This is a comment heard often, “I want health insurance that will cover everything.” Wouldn’t that be great! But, the reality is that health insurance was originally meant to cover hospitalization and surgery in the event of a catastrophic medical event. Think of it this way… what does your ...

Your insurance coverage needs to be as individual as you are: High deductible? Doctor visits? Accident? Dental? Vision? ...
11/12/2020
How to customize your plan - Insurance Experts Team

Your insurance coverage needs to be as individual as you are: High deductible? Doctor visits? Accident? Dental? Vision? Don’t settle for a one-size-fits-all solution! Sit down with a member of the InsuranceExperts. team to look at the options. Customize a plan that fits your needs and your budget. The agents of InsuranceExperts.team are trained to listen and educate. https://insuranceexperts.team/how-to-customize-your-plan/

You should look for a health insurance plan that can be customized to fit your needs and budget. For example, to keep your premium lower, you may want to increase your deductible. Or you may want to have a zero deductible allowing you to access to 100% of your insurance benefits . Another example wo...

How to choose a health insurance company? Start with the industry standard – the AM Best rating. Consider how long the c...
11/05/2020
How to choose a health insurance company - Insurance Experts Team

How to choose a health insurance company? Start with the industry standard – the AM Best rating. Consider how long the company has been in business and if they are publicly traded. Next choose the right agent with the firm. You want an agent who is focused on your needs, not their sales quota. You want an agent who will educate you before, during and after the sale. That’s exactly what you get with a member of the InsuranceExperts.team! https://insuranceexperts.team/how-to-choose-a-health-insurance-company/

The best way to determine whether a health insurance company is legitimate and has sufficient claims reserve is through AM Best (ambest.com). This company rates insurance companies annually on their business practices and claims reserve. You should also find out how long the company has been in busi...

How do you recognize an insurance agent you can trust? A trusted agent is someone who listens to ensure that your health...
10/29/2020
How to choose the right insurance agent? - Insurance Experts Team

How do you recognize an insurance agent you can trust? A trusted agent is someone who listens to ensure that your health insurance needs and budget are being met, who focuses on educating – not selling, and someone who takes the time to answer your questions to your satisfaction. They will communicate with you before, during and after the sale to continue educating you and building a long term relationship you can count on. The agents of the InsuranceExperts.team are highly trained in product and excel in customer service. https://insuranceexperts.team/how-to-choose-the-right-insurance-gent/

The first recommendation is to not purchase health insurance over the Internet from an agent whom you have not met or lives out of state which makes the chances of you meeting with them is highly unlikely. Or from someone who is not a referral from a trusted source. A trusted agent will have your [....

Of the three types of insurance available to individuals – Affordable Care Act, Short Term Plans, Hospital Indemnity Pla...
10/22/2020
I am self-employed… What health insurance options do I have? - Insurance Experts Team

Of the three types of insurance available to individuals – Affordable Care Act, Short Term Plans, Hospital Indemnity Plans – which is the best option for you? Your advisor from the InsuranceExperts.team will walk you through the options to help you decide! Contact them today for a no obligation, no risk discussion. https://insuranceexperts.team/i-am-self-employed-what-health-insurance-options-do-i-have/

Currently, there are three types of plans available for private (or non-employer paid) health insurance. Affordable Care Act (a.k.a. Obama Care): This coverage is well suited for those individuals who have a pre-existing condition of which they are currently being treated to ensure that they are not...

IHCSB
10/16/2020

IHCSB

Medicare AEP (Annual Enrollment Period) begins TODAY! At #IHCSB we have been preparing and studying for months to help our clients make their elections. Take advantage of our expertise at no cost to you!!

#JustAskUsIHC #medicare #insuranceagent #aep #annualenrollment #healthcoverage #socialdistancing

To receive the best return on your premium dollar spent, one should research the different options available through ind...
10/12/2020
You Don’t Have to Wait…. for open enrollment, that is - Insurance Experts Team

To receive the best return on your premium dollar spent, one should research the different options available through individual health insurance plans. They frequently are less expensive than Affordable Care Act plans. Most importantly, they are available to start 365 days a year. You don’t have to wait for open enrollment. Contact your trusted InsuranceExperts.team member to get a comparison quote today. There is no obligation or risk to you to consider your options. https://insuranceexperts.team/you-dont-have-to-wait-for-open-enrollment-that-is/

Many people don’t realize that there are numerous options outside of the Affordable Care Act (a.k.a. Obama Care) that they can enroll in 365 days a year. That means that if you are between jobs, getting a divorce, leaving a corporate job to start your own business or have just moved into a new sta...

Do you know what each of the four basic parts of Medicare covers? Here’s a quick and simple review. Get to know Medicare...
09/23/2020

Do you know what each of the four basic parts of Medicare covers? Here’s a quick and simple review. Get to know Medicare: https://uhc.care/pzx73
Medicare open enrollment is rapidly approaching! Mark these dates on your calendar (October 15 – December 7) and contact me so I can help you or your family members make the best healthcare decisions! You can send me a direct message via Facebook OR call me at 480-650-0018 and I will be sure to respond promptly. #JustAskUsIHC #medicareagent #Medicare #IHCSB #aep #annualenrollmentperiod #InsuranceEpertsteam #healthinsuranceuncorked

Open Enrollment periods for the Affordable Health Care Act and Medicare open soon!  Call your InsuranceExperts.team memb...
09/23/2020

Open Enrollment periods for the Affordable Health Care Act and Medicare open soon! Call your InsuranceExperts.team member to shorten your learning curve and navigate the options.

Did you know there are sometimes huge differences between pharmacies on medicine costs? And all pharmacies accept prescr...
09/16/2020

Did you know there are sometimes huge differences between pharmacies on medicine costs? And all pharmacies accept prescription discount cards like Good RX. Do a little research and save a lot of money! Good RX Your InsuranceExperts.team member can guide you to better coverage and savings. https://www.goodrx.com/

Did you know that you can check to see what is the common or average cost for medical procedures? Visit Healthcare Blue ...
09/10/2020

Did you know that you can check to see what is the common or average cost for medical procedures? Visit Healthcare Blue Book or MD Save. Your InsuranceExperts.team member can guide you to better coverage and savings. https://www.healthcarebluebook.com/

08/24/2020
Loading...

WHY GO TO THE DOCTOR WHEN THE DOCTOR CAN COME TO YOU?? Health Discount Program - IHC Specialty Benefits Inc. is offering two affordable discount plans designed to save you money on your healthcare expenses. The Wellness Discount Plan and the Health and Wellness Discount Plan give you access to UNLIMITED TELEMEDICINE and a variety of discount healthcare services. Please call or text me at: 480-650-0018 - Please click link below for pricing and information. #telemedicine #ihcspecialtybenefits #healthinsuranceuncorked #InsuranceExpertsteam

https://quote.ihcmarketplace.com/Agent/0900018/GetQuote…

When it comes to stress, we know to exercise, get adequate sleep, and meditate, but we can also change our diet to help ...
07/07/2020
Eat These 11 Foods When You're Stressed

When it comes to stress, we know to exercise, get adequate sleep, and meditate, but we can also change our diet to help us relax. Certain foods contain vitamins and nutrients that can make us calm, and eating these foods can help alleviate stress. Instead of opting for the comfort of junk food, which can actually make stress worse, it's important to choose foods that have mood-boosting properties.
https://www.bustle.com/articles/157580-11-foods-to-eat-when-youre-stressed-that-can-help-you-relax

When it comes to stress, we know to exercise, get adequate sleep, and meditate, but we can also change our diet to help us relax. Certain foods contain vitamins and nutrients that can make us calm, and eating these foods can help alleviate stress.…

What would you do if you were unable to cover your living expenses due to cancer, a heart attack, stroke or a medcially ...
07/01/2020

What would you do if you were unable to cover your living expenses due to cancer, a heart attack, stroke or a medcially induced coma? These are real life questions and the answer is a critcal illness plan. Health insurance isn't enough as there is no health insurance that will pay your mortgage or put food on your table. Contact me for a quote today 480-650-0018. #healthinsuranceuncorked #InsuranceExpertsteam #criticalillness #IHCspecialtybenefits #supplementalinsurance

COBRA or an Affordable Care Act plan... which one is best for you? https://insuranceexperts.team/cobra-or-an-affordable-...
06/30/2020
COBRA or an Affordable Care Act plan... which one is best for you? - Insurance Experts Team

COBRA or an Affordable Care Act plan... which one is best for you? https://insuranceexperts.team/cobra-or-an-affordable-care-act-plan-which-one-is-best-for-you/

If you have recently lost your employer group health insurance, you may be given the opportunity to participate in COBRA which will allow you to continue with the employer group plan. However, it will be at a cost of approximately 50% more than the premium you paid while employed. Rather than accept...

GOT YOU COVERED!IF YOU MISSED OPEN ENROLLMENT....YOU DON'T HAVE TO WAIT TO BE INSURED. There are many individual plans a...
06/05/2020

GOT YOU COVERED!

IF YOU MISSED OPEN ENROLLMENT....YOU DON'T HAVE TO WAIT TO BE INSURED. There are many individual plans available and from many different insurance companies...that is why a health insurance advisor who offers all options will work on your behalf to make sure you are getting the coverage you can afford. Need help?...I got you covered. #insuranceexpertsteam #IHCSpecialtyBenefits #openenrollment #qualifylifeevent #healthinsuranceuncorked

Have you recently lost your job and your health insurance? You may qualify for an Affordable Care Act subsidy. Yesterday...
06/04/2020

Have you recently lost your job and your health insurance? You may qualify for an Affordable Care Act subsidy. Yesterday, I worked with a family of four and they qualified for $652 premium subsidy. Their monthly health insurance premium starting July 1st is $719/month saving them $1020/month from a COBRA plan that their former employer is offering. The $719 premium includes dental, vision, telemedicine, a comprehensive supplemental package to cover deductibles and out of pocket expenses and life insurance. CHECK OUT YOUR OPTIONS....I am here to help you. 480-650-0018. #insuranceexpertsteam #IHCSpecialtyBenefits #healthinsuranceuncorked #cobra #ACAsubsidy #supplementalhealthinsurance

Turning 65 and confused about Medicare...When do I enroll? What is the difference between a Medicare Supplement (GAP) pl...
06/02/2020

Turning 65 and confused about Medicare...When do I enroll? What is the difference between a Medicare Supplement (GAP) plan or Medicare Advantage plan? Set the mail aside and give me a call at 480-650-0018. Here is a great resource. https://www.medicare.gov/sites/default/files/2020-03/10050-Medicare-and-You_0.pdf. Please share with others you know turning 65. #iinsuranceexpertsteam #IHCspecialtybenefits #Medicare #healthinsuranceuncorked

During this time of social distancing, I can help you with health insurance needs from ages 2 to 102 in a Zoom online ap...
05/27/2020
Zoom-along through COVID-19 - Insurance Experts Team

During this time of social distancing, I can help you with health insurance needs from ages 2 to 102 in a Zoom online appointment. https://insuranceexperts.team/zoom-along-through-covid-19/

During this time of social distancing, I can help you with health insurance needs from ages 2 to 102 in a Zoom online appointment. You will be able to see exactly what you would if we were to meet in person. I can help you, or others you know, who are: • Recently unemployed and …

One in 5 women in the United States will have a stroke in her lifetime. Stroke kills twice as many women as breast cance...
05/18/2020
Symptoms of a Stroke

One in 5 women in the United States will have a stroke in her lifetime. Stroke kills twice as many women as breast cancer does, making it the fourth leading cause of death for women.
May is #Stroke Awareness Month.
Read more here about symptoms and call me at 480-650-0018 to learn how an inexpensive critical illness plan can save you thousands of dollars.
https://www.goredforwomen.org/en/about-heart-disease-in-women/signs-and-symptoms-in-women/symptoms-of-a-stroke
#healthinsurance #IHCspeicaltybeneffits #healthinsuranceuncorked #criticalillnessinsurance #insuranceexpertsteam

If you’re like many women.

05/15/2020
thumbs.gfycat.com

Happy Friday! Did you know that hugs have been proven to increase good health and well being. As it is said..."A hug a day keeps the doctor away", So, if you need a hug today, click on the link below. And if you need a doctor, let me help you find the right health insurance for your needs and budget. Call or text me at 480-650-0018 or send me a personal message. #healthinsuranceuncorked #virtualhugs #IHCspecialtybenefits #healthyliving

https://thumbs.gfycat.com/SpecificHeartfeltFunnelweaverspider-mobile.mp4

Address


Alerts

Be the first to know and let us send you an email when Health Insurance Uncorked posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Contact The Business

Send a message to Health Insurance Uncorked:

Videos

Our Story

Our Story….

Karla Flores-Smith is an Area Business Development Leader for InsuranceExperts.team. I am an independent Health/Life Insurance agent representing all major health and life insurance plans/supplements serving Arizona and other states as needed. I am also certified in Medicare allowing me to provide my clients on-going health insurance solutions.

What sets me apart from is my industry expertise and personal attention to my clients needs and budget to provide the protection they are seeking at a price they can live with.

Nearby health & beauty businesses

Comments

Wow! What a presentation this morning at WSRG (Women's Success Referral Group)! Everyone wanted you to run for public office. You know, you could do it! You have a true love for people and an in-depth knowledge about health insurance. You could fix this mess we have. Consider it for your next career!
AWESOME presentation Thursday at WSRG (Women's Success Referral Group). You know so much about your industry. But even better, you know how to apply that knowledge to real life people! Thank you!
WOW! Karla Flores made an excellent presentation yesterday at WSRG (Women's Success Referral Group) about long term health care. There was so much I didn't know! Somehow Karla made it logical and do-able. I admire Karla for being a educator, a trusted advisor about insurance instead of just being a salesperson.
I just received the Explanation of Benefits from my last 2 dr visits. I use the term Explanation loosely. I called the 1st dr asking for a statement of the charges. The $493 charge was for the 15 min visit with the nurse practitioner! I asked how that could possibly be right. The nice woman said that is the amount set by Medicare and the government. "You only have to pay $132. The insurance co denied $300+ of the charge." What a stupid system!! Karla, is there anything we can do as insureds, citizens to fight this craziness?
Karla, you did an AMAZING job Thursday speaking WSRG. I loved your personal story but you really rocked the insurance information. It's not the most fun subject in the world. (Sorry!) But you simplify it to make it easier to grasp. Thank you for your dedication!
Karla, you did an AMAZING job Thursday speaking WSRG. I loved your personal story but you really rocked the insurance information. It's not the most fun subject in the world. (Sorry!) But you simplify it to make it easier to grasp. Thank you for your dedication!
Karla, you did an AMAZING job Thursday speaking WSRG (Women's Success Referral Group). I loved your personal story but you really rocked the insurance information. It's not the most fun subject in the world. (Sorry!) But you simplify it to make it easier to grasp. Thank you for your dedication!
Karla, you did an AMAZING job Thursday speaking WSRG (Women's Success Referral Group). I loved your personal story but you really rocked the insurance information. It's not the most fun subject in the world. (Sorry!) But you simplify it to make it easier to grasp. Thank you for your dedication!
Karla, you did an AMAZING job Thursday speaking WSRG (Women's Success Referral Group). I loved your personal story but you really rocked the insurance information. It's not the most fun subject in the world. (Sorry!) But you simplify it to make it easier to grasp. Thank you for your dedication!