PickaplanUSA Inc

PickaplanUSA Inc

Helping you pick the best plan!

Operating as usual

03/30/2021

Key person (employee) insurance is a particular type of life insurance policy taken out by a company on one of their employees, in which the company is the beneficiary in the case of that employee's untimely demise.

03/29/2021

Medicare Part B covers physician visits, outpatient services, preventive services, and some home health visits. Many Part B benefits are subject to a deductible and, typically, coinsurance of 20 percent. No coinsurance or deductible is charged for an annual wellness visit or for preventive services that are rated ‘A’ or ‘B’ by the U.S. Preventive Services Task Force, such as mammography or prostate cancer screenings.

03/26/2021

Well done is better than well said. Benjamin Franklin

[03/25/21]   Question: Is my disability income taxable?
Answer: Money received from worker's compensation for sickness or illness is not subject to income tax. Amounts received under a private accident policy for which you pay the premiums are also nontaxable. To the extent your employer pays the insurance premiums, your benefits will be subject to tax.

03/24/2021

Life insurance may be one of the most important purchases you'll ever make. In the event of a tragedy, life insurance proceeds can help pay the bills, continue a family business, finance future needs like your children's education, protect your spouse's retirement plans, and much more. If you're considering securing you and your family’s financial future, we would be happy to review your current situation and offer a few ideas on how you can protect it!

03/23/2021

A flexible benefits plans is a benefit program that offers employees a choice between various benefits including cash, life insurance, health insurance, vacations, retirement plans, and child care. Although a common core of benefits may be required, you can choose how your remaining benefit dollars are to be allocated for each type of benefit from the total amount promised by the employer. Sometimes you can contribute more for additional coverage. Also known as a Cafeteria plan or IRS 125 Plan.

03/22/2021

Fast fact: A deductible is the amount you pay for covered health care services before your insurance plan starts to pay. With a $2,000 deductible, for example, you pay the first $2,000 of covered services yourself. After you pay your deductible, you usually pay only a copayment or coinsurance for covered services.

03/19/2021

What lies behind you and what lies in front of you, pales in comparison to what lies inside of you. Ralph Waldo Emerson

03/18/2021

What do they mean by the Health Insurance waiting period? The time that must pass before coverage can become effective for an employee or dependent who is otherwise eligible for coverage under a job-based health plan.

03/17/2021

Confused about your Health Insurance options? Make sure to contact us today for a no-cost consultation.

03/16/2021

Nearly 1 in 5 (19%, or 6 million) Medicare beneficiaries with traditional Medicare had no supplemental coverage in 2019. These 6 million beneficiaries are fully exposed to Medicare’s cost-sharing requirements and lack the protection of an annual limit on out-of-pocket spending, unlike beneficiaries enrolled in Medicare Advantage.

03/15/2021

Why do I need medigap insurance? You still have to pay deductibles and co-payments. Most people buy a Medicare supplement (medigap) policy to pay those costs, plus Part D prescription-drug coverage because Medicare generally doesn’t cover drugs. Or you can sign up for a private Medicare Advantage plan, which provides both medical and drug coverage.

03/12/2021

“Human behavior flows from three main sources: desire, emotion, and knowledge.” -Plato

03/11/2021

Accelerated benefits, also known as “living benefits,” are life insurance policy proceeds paid to the policyholder before he or she dies. The benefits may be provided in the policies themselves, but more often they are added by riders or attachments to new or existing policies.

03/10/2021

Life insurance may be one of the most important purchases you'll ever make. In the event of a tragedy, life insurance proceeds can help pay the bills, continue a family business, finance future needs like your children's education, protect your spouse's retirement plans, and much more. If you're considering securing you and your family’s financial future, we would be happy to review your current situation and offer a few ideas on how you can protect it!

03/09/2021

Fast Fact: You may qualify for a Health Insurance Special Enrollment Period to enroll any time if you’ve had certain life events, including losing health coverage, moving, getting married, having a baby, or adopting a child.

03/08/2021

Important Reminder: You can enroll in Marketplace health coverage from February 15 through May 15 due to the coronavirus disease 2019 (COVID-19) emergency.

03/05/2021

“Our greatest glory is not in never falling, but in rising every time we fall.” -Confucius

03/04/2021

A PPO Health insurance plans is a type of health plan that contracts with medical providers, such as hospitals and doctors, to create a network of participating providers. You pay less if you use providers that belong to the plan’s network. You can use doctors, hospitals, and providers outside of the network for an additional cost.

03/03/2021

Health Savings Account FAQ – What happens if you do use your HSA money? If you withdraw HSA funds and don't use them to pay for qualified medical expenses, you'll pay income tax and a penalty. Unlike an FSA, there's no “use it or lose it” provision. There's no deadline to reimburse yourself for medical expenses.

03/02/2021

A Flexible Spending Account (FSA) Is an arrangement through your employer that lets you pay for many out-of-pocket medical expenses with tax-free dollars. Allowed expenses include insurance copayments and deductibles, qualified prescription drugs, insulin, and medical devices. You decide how much to put in an FSA, up to a limit set by your employer. You aren't taxed on this money. If money is left at the end of the year, the employer can offer one of two options (not both): You get 2.5 more months to spend the left over money. You can carry over up to $500 to spend the next plan year.

03/01/2021

A cafeteria plan is a separate written plan maintained by an employer for employees that meets the specific requirements and regulations of Section 125 of the Internal Revenue Code. It provides participants an opportunity to receive certain benefits on a pretax basis. Participants in a cafeteria plan must be permitted to choose among at least one taxable benefit (such as cash) and one qualified benefit.

02/26/2021

Reminder: You can enroll in Marketplace health coverage from February 15 through May 15 due to the coronavirus disease 2019 (COVID-19) emergency.

02/25/2021

The accelerated benefits option or rider in a life insurance policy provides that all or a portion of the policy’s proceeds will be paid to the insured upon the occurrence of specified events. These include such things as the diagnosis of a terminal illness, the need for long-term care or the onset of a medically incapacitating condition such as a heart attack, stroke or cancer treatment. The life insurance company will deduct the accelerated benefits payment from the death benefit it ultimately pays to the beneficiary.

02/24/2021

Are you an independent contractor or an employee? As the pandemic continues, many long-time employees are now picking up jobs as contractors. In the meantime, states like California are trying to force the definition of employees upon companies. Getting it wrong could cost you plenty in the way of Social Security, Medicare taxes, and other employment related taxes.

02/23/2021

Essential Health Benefits are a set of 10 categories of services health insurance plans must cover under the Affordable Care Act. These include doctors’ services, inpatient and outpatient hospital care, prescription drug coverage, pregnancy and childbirth, mental health services, and more. Some plans cover more services. Plans must offer dental coverage for children. Dental benefits for adults are optional. Specific services may vary based on your state’s requirements. You’ll see exactly what each plan offers when you compare plans.

02/22/2021

COBRA is a federal law that may allow you to temporarily keep health coverage after your employment ends, you lose coverage as a dependent of the covered employee, or another qualifying event. If you elect COBRA (Consolidated Omnibus Budget Reconciliation Act) coverage, you pay 100% of the premiums, including the share the employer used to pay, plus a small administrative fee.

02/19/2021

The mind is like an iceberg, it floats with one-seventh of its bulk above water. Sigmund Freud

02/18/2021

If you received unemployment benefits in 2020, you need to report these benefits on your tax return as taxable income. Check to see if either federal or state taxes were withheld from unemployment payments you received. If taxes were not withheld, you may need to write a check to the IRS when you file your tax return.

02/17/2021

If you run a business that was hit by the pandemic, you may find your estimated tax payments were either overpaid or underpaid compared to normal. Now that 2020 is in the books, run a quick projection to ensure you are not surprised with an unexpected tax bill when you file your tax return.

02/16/2021

Reminder: You can enroll in Marketplace health coverage from February 15 through May 15 due to the coronavirus disease 2019 (COVID-19) emergency.

02/15/2021

ERISA applies to private-sector companies that offer pension plans to employees. This includes businesses that: Are structured as partnerships, proprietorships, LLCs, S-corporations and C-corporations. No matter how your employer has structured his or her business, it is covered by ERISA if it is a private entity.

02/12/2021

Quality is not an act, it is a habit. Aristotle

02/11/2021

2021 HSA contribution limits have been announced.
The maximum out-of-pocket has been capped at $7,000. An individual with family coverage under a qualifying high-deductible health plan (deductible not less than $2,800) can contribute up to $7,200 — up $100 from 2020 — for the year.

02/10/2021

Accelerated benefits, also known as “living benefits,” are life insurance policy proceeds paid to the policyholder before he or she dies. The benefits may be provided in the policies themselves, but more often they are added by riders or attachments to new or existing policies.

A Full-Service Independent Insurance Agency!

PickaPlanUSA Inc. is a full-service independent insurance agency specializing in Business, Individuals and Senior Insurance Solutions. We work with dozens of insurance companies so we can offer our clients appropriate coverage for them. Our clients are located all across Maryland, giving us a great feel for the insurance landscape. We design plans with a focus on low costs, and proper benefit structure, which we combine with personalized insurance advice aimed at helping our clients make better-informed decisions.

Telephone

Address


207 EAST HOLLY AVE SUITE 211
Sterling, VA
20164

Opening Hours

Monday 09:00 - 18:00
Tuesday 09:00 - 17:00
Wednesday 09:00 - 17:00
Thursday 09:00 - 17:00
Friday 09:00 - 17:00
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