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How to Shop for Health Insurance

The first thing you should check is the network…. which providers are in the network.  Here’s an explanation of the kinds: PPO = Preferred Provider Organization – You don’t need referrals to see specialists (therapists, dermatologists, etc.) and usually the network is large & national.  So you may be able to go to top tier

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Small Employer Tax Credit

If you have employees and offer health insurance and PAY for at least 50% of the employee only premium (no contribution for dependents is required), then you may be able to claim a health insurance tax credit! https://www.healthcare.gov/shop-calculators-taxcredit/ – note the credit doesn’t apply to owner’s share of premiums, only employees.  Also, this credit can

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How Dental Insurance Really Works

Individual dental insurance is almost impossible to find.  Yes you might find it, but if you sign up you’ll soon realize it’s not what you bargained for. With dental insurance, it’s common to see many dentists and even more specialists do NOT accept any insurance.  They are covered at “out of network” benefit levels. Wait

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Should I Choose to Tax My LLC as a S-Corp?

When is a good time to be taxed as an S-Corp? Do you remember when you started? I remember hanging my first shingle in early 2009… I set myself up as an S-corp and had my Jerry McGuire moment.  I said, “I’m starting my own practice, who’s coming with me“!?  Just like in the movie

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Insurance Costs and Networks

Insurance Costs & Networks Do you remember when health insurance used to cost $200 a month and your doctor copay was a mere ten bucks? A time when you could freely attend the emergency room because your copay was only $100?  That was only 15 years ago and it feels like everything has tripled in

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Affordable Care Act Creating Dual Risk Pools

Access insurance that is often up to 30-40% less costly than what is available in the individual marketplace.

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