Health Insurance Experts

We spend all year talking about health.
Today’s advice is easy: take the day off if you can.
You’ve earned it.

(248) 840-2074
www.theHIExperts.com

33 years in the health insurance business is a milestone I’m proud of! 🎉

I am deeply grateful for the trust you’ve placed in me over these years. So much has changed—plans, carriers, regulations, and healthcare itself. But one thing remains constant: people still want someone they can call who will listen, explain their options clearly, and provide straightforward answers.

That's what I've aimed to deliver throughout my career. To every individual, family, and business that has trusted me with their health insurance—and especially to those who have referred friends, children, parents, employees, and colleagues—thank you! 🙏

These relationships have allowed me to continue this journey and I truly appreciate each one of you.

If we haven’t had the chance to work together yet, I’d love to chat!

James Bokshan, CLU, ChFC, RHU, REBC
📞 (248) 840-2074
www.TheHIExperts.com

A medical bill arrives. Do you automatically assume that’s what you owe?

Before you pay an unexpected medical bill, there’s another document worth checking: your Medicare Summary Notice (MSN).

If you have Original Medicare, your MSN shows what was billed to Medicare, what Medicare approved and paid, and the maximum amount you may be billed.

And remember — your Medicare Summary Notice is not a bill.

In the latest article in our Medicare Education Series, I walk through what to look for before paying an unexpected bill, including:

✓ How to compare your bill with your MSN
✓ What to look for if Medicare denied a claim
✓ What to do if you have a Medicare Supplement
✓ How Medicare Advantage EOBs are different
✓ Why reviewing your claims can also help spot possible errors or fraud

Sometimes a medical bill is exactly right.

But if something doesn’t add up, ask questions before you write the check.

Read the full article here:
https://www.thehiexperts.com/before-you-pay-that-medical-bill-check-your-medicare-summary-notice

Have a Medicare question? I’m happy to help.

James Bokshan, CLU, ChFC, RHU, REBC
📞 (248) 840-2074

No pressure. No obligation. Just straightforward help understanding your Medicare options.

Losing employer health insurance can happen for a lot of reasons — and it can leave you wondering what comes next.

The important thing is not to assume there’s only one path.

Don't assume there's only one option available to you! Your choices can depend on factors like your employer coverage, household situation, income, health, timing, and more — and some options come with important enrollment deadlines.

If you know your employer coverage is ending, it’s a good idea to start looking before it ends, when possible.

We can help you compare what may be available and understand the differences before you make a decision.

Explore your health insurance options:
TheHIExperts.com

James Bokshan, CLU, ChFC, RHU, REBC
📞 (248) 840-2074

No pressure. No obligation. Just straightforward help understanding your options.

Home - Health Insurance Experts, LLC Health Insurance Experts, LLC helps medical and dental groups cut costs with customized health insurance plans.

You can spend the night in a hospital and still NOT be considered an inpatient.

That surprises a lot of people on Medicare.

You can be in a hospital bed, receive medications, meals, tests and nursing care — even stay overnight — and still technically be receiving outpatient observation services.

Why does that matter?

Your status can affect how Medicare covers your hospital care and, with Original Medicare, may also affect whether a subsequent stay in a skilled nursing facility qualifies for Medicare coverage.

In the latest article in our Medicare Education Series, I explain:

✓ Inpatient vs. observation status
✓ Why the difference can affect your costs
✓ How observation days may affect skilled nursing or rehab coverage
✓ What the Medicare Outpatient Observation Notice (MOON) is
✓ 5 questions you or a family member should ask while you're still in the hospital

This is information I think Medicare beneficiaries and their adult children should know before they ever need it.

Being in the hospital doesn't necessarily mean you've been admitted to the hospital.

Read the full article here:
https://www.thehiexperts.com/in-the-hospital-on-medicare-ask-whether-youre-an-inpatient-or-under-observation

Have a Medicare question? I'm happy to help.

James Bokshan, CLU, ChFC, RHU, REBC
📞 (248) 840-2074

No pressure. No obligation. Just straightforward help understanding your Medicare options.

You don't have to run a large company to explore group health insurance — whether you're looking to offer benefits for the first time or reconsidering the coverage you already have.

Offering health benefits can help attract and retain employees, support your team and create a more competitive benefits package.

We can help you understand the options and determine what's worth considering.

Learn more about Group Health Insurance:
TheHIExperts.com

James Bokshan, CLU, ChFC, RHU, REBC
📞 (248) 840-2074

Did you know your Medicare Annual Wellness Visit is NOT the same thing as an annual physical?

It’s an easy distinction to miss — and it can sometimes lead to an unexpected bill.

Knowing what Medicare covers is important. Knowing how to use your coverage is just as important.

Read the full article here:
https://www.thehiexperts.com/your-medicare-wellness-visit-isnt-a-physical-and-that-can-affect-your-bill

James Bokshan, CLU, ChFC, RHU, REBC
📞 (248) 840-2074

Having Medicare coverage is one thing. Knowing how to use it is another.

Before your next doctor's appointment, there are a few questions worth asking that could help you avoid an unexpected bill later.

Do you know the difference between a doctor who “takes Medicare” and one who accepts Medicare assignment? What about inpatient vs. observation status? Or why you might receive a separate facility charge?

I put together 7 questions I think every Medicare beneficiary — and their family members — should know.

Read the full article here: https://www.thehiexperts.com/7-questions-to-ask-before-your-next-medical-appointment-when-you-have-medicar/

Medicare doesn't have to be something you simply hope you're using correctly. A little education can go a long way.

"Why does everyone explain Medicare differently?"

Join us for a LIVE educational Zoom where we cut through the confusion—not with sales, but with clear, unbiased information and answers to your questions.

When: Jul 29, 2026 06:30 PM Eastern Time (US and Canada)

Register in advance for this meeting:
https://us02web.zoom.us/meeting/register/yJzrlDYBRvuJecJ9t_k9pg

After registering, you will receive a confirmation email containing information about joining the meeting.

Looking for health insurance to bridge a gap? For some, short term policies can provide the emergency coverage you need without breaking the bank! 💰

For more info, including a guide to who may qualify, click the link to read our blog with more information: https://www.thehiexperts.com/looking-for-affordable-health-insurance/

Or just give us a call! (248) 840-2074

Coverage availability and plan benefits vary by state, carrier, eligibility, and underwriting. Short-term medical plans are not ACA Marketplace plans and do not provide all of the essential health benefits required under the Affordable Care Act.

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