PickaplanUSA Inc

PickaplanUSA Inc

Helping you pick the best plan!

Operating as usual

Timeline Photos 07/30/2021

You don't have to be great to start, but you have to start to be great. Zig Ziglar

You don't have to be great to start, but you have to start to be great. Zig Ziglar

Timeline Photos 07/29/2021

Health Insurance seems to get more confusing by the day. If you are feeling overwhelmed and need to talk through your options, please make sure to contact us for a no cost consultation!

Health Insurance seems to get more confusing by the day. If you are feeling overwhelmed and need to talk through your options, please make sure to contact us for a no cost consultation!

Timeline Photos 07/28/2021

With Life Insurance what do they mean by “Insurable Interest”? - For persons related by blood, a substantial interest established through love and affection, and for all other persons, a lawful and substantial economic interest in having the life of the insured continue. An insurable interest is required when purchasing life insurance on another person.

With Life Insurance what do they mean by “Insurable Interest”? - For persons related by blood, a substantial interest established through love and affection, and for all other persons, a lawful and substantial economic interest in having the life of the insured continue. An insurable interest is required when purchasing life insurance on another person.

Timeline Photos 07/27/2021

Quick Tip: A Brand Name Drug is a drug sold by a drug company under a specific name or trademark and that is protected by a patent. Brand name drugs may be available by prescription or over the counter.

Quick Tip: A Brand Name Drug is a drug sold by a drug company under a specific name or trademark and that is protected by a patent. Brand name drugs may be available by prescription or over the counter.

Timeline Photos 07/26/2021

Accident Insurance helps you handle the medical and out-of-pocket costs that add up after an accidental injury. This includes emergency treatment, hospital stays and medical exams, and other expenses you may face, such as transportation and lodging needs.

Accident Insurance helps you handle the medical and out-of-pocket costs that add up after an accidental injury. This includes emergency treatment, hospital stays and medical exams, and other expenses you may face, such as transportation and lodging needs.

Timeline Photos 07/23/2021

It is not in the stars to hold our destiny but in ourselves. William Shakespeare

It is not in the stars to hold our destiny but in ourselves. William Shakespeare

Timeline Photos 07/22/2021

The primary requirements for an HRA are that (1) the plan must be funded solely by the employer and cannot be funded by salary reduction, and (2) the plan may only provide benefits for substantiated medical expenses.

The primary requirements for an HRA are that (1) the plan must be funded solely by the employer and cannot be funded by salary reduction, and (2) the plan may only provide benefits for substantiated medical expenses.

Timeline Photos 07/21/2021

HRA plans are employer-funded medical reimbursement plans. The employer sets aside a specific amount of pre-tax dollars for employees to pay for health care expenses on an annual basis. Based on the plan design, HRAs can generate significant savings in overall health benefits.

HRA plans are employer-funded medical reimbursement plans. The employer sets aside a specific amount of pre-tax dollars for employees to pay for health care expenses on an annual basis. Based on the plan design, HRAs can generate significant savings in overall health benefits.

Timeline Photos 07/20/2021

In 2021, due to the COVID pandemic, there’s a special enrollment period that runs through August 15 in most states; this window is an opportunity to obtain coverage for 2021, without having to wait until January 2022 for coverage to start. It’s also an opportunity to take advantage of the American Rescue Plan’s enhancement of premium subsidies.)

In 2021, due to the COVID pandemic, there’s a special enrollment period that runs through August 15 in most states; this window is an opportunity to obtain coverage for 2021, without having to wait until January 2022 for coverage to start. It’s also an opportunity to take advantage of the American Rescue Plan’s enhancement of premium subsidies.)

Timeline Photos 07/19/2021

Q: Can I buy health insurance that’s compatible with a health savings account (HSA) during open enrollment?
A. If you enroll in a high-deductible health plan (HDHP), you’ll be eligible to fund an HSA.

Q: Can I buy health insurance that’s compatible with a health savings account (HSA) during open enrollment?
A. If you enroll in a high-deductible health plan (HDHP), you’ll be eligible to fund an HSA.

Timeline Photos 07/16/2021

A real friend is one who walks in when the rest of the world walks out. - Walter Winchell

A real friend is one who walks in when the rest of the world walks out. - Walter Winchell

Timeline Photos 07/15/2021

In Life Insurance the Cash Surrender Value is the cash amount you would get if you voluntarily terminate coverage before a policy becomes payable by death or maturity. The amount is the cash value stated in the policy, minus a surrender charge, any outstanding loans and interest on those loans. The cash value represents the savings component of a life insurance policy, since you can access the money relatively quickly if you need to.

In Life Insurance the Cash Surrender Value is the cash amount you would get if you voluntarily terminate coverage before a policy becomes payable by death or maturity. The amount is the cash value stated in the policy, minus a surrender charge, any outstanding loans and interest on those loans. The cash value represents the savings component of a life insurance policy, since you can access the money relatively quickly if you need to.

Timeline Photos 07/14/2021

Health Related Spending Accounts (HSA). Contributions and earnings in these health related spending accounts are tax-free as long as the proceeds in the account are used to pay for qualified health care expenses.

Health Related Spending Accounts (HSA). Contributions and earnings in these health related spending accounts are tax-free as long as the proceeds in the account are used to pay for qualified health care expenses.

Timeline Photos 07/13/2021

Creditable prescription drug coverage is prescription drug coverage (for example, from an employer or union) that's expected to pay, on average, at least as much as Medicare's standard prescription drug coverage. People who have this kind of coverage when they become eligible for Medicare can generally keep that coverage without paying a penalty, if they decide to enroll in Medicare prescription drug coverage later.

Creditable prescription drug coverage is prescription drug coverage (for example, from an employer or union) that's expected to pay, on average, at least as much as Medicare's standard prescription drug coverage. People who have this kind of coverage when they become eligible for Medicare can generally keep that coverage without paying a penalty, if they decide to enroll in Medicare prescription drug coverage later.

Timeline Photos 07/12/2021

A coverage gap is a period of time in which you pay higher cost sharing for prescription drugs until you spend enough to qualify for catastrophic coverage. The coverage gap (also called the “donut hole”) starts when you and your plan have paid a set dollar amount for prescription drugs during that year.

A coverage gap is a period of time in which you pay higher cost sharing for prescription drugs until you spend enough to qualify for catastrophic coverage. The coverage gap (also called the “donut hole”) starts when you and your plan have paid a set dollar amount for prescription drugs during that year.

Timeline Photos 07/09/2021

Either write something worth reading or do something worth writing. Benjamin Franklin

Either write something worth reading or do something worth writing. Benjamin Franklin

Timeline Photos 07/08/2021

There have been a lot of changes this year in regard to Health Insurance. We are here to help educate you on all of your options.

There have been a lot of changes this year in regard to Health Insurance. We are here to help educate you on all of your options.

Timeline Photos 07/07/2021

Fast Fact: If an employer pays life insurance premiums on an employee’s behalf, any payments for coverage of more than $50,000 are taxed as income.

Fast Fact: If an employer pays life insurance premiums on an employee’s behalf, any payments for coverage of more than $50,000 are taxed as income.

Timeline Photos 07/06/2021

In health insurance “Cost Sharing” is the share of costs covered by your insurance that you pay out of your own pocket. This term generally includes deductibles, coinsurance, and copayments, or similar charges, but it doesn't include premiums, balance billing amounts for non-network providers, or the cost of non-covered services. Cost sharing in Medicaid and CHIP also includes premiums.

In health insurance “Cost Sharing” is the share of costs covered by your insurance that you pay out of your own pocket. This term generally includes deductibles, coinsurance, and copayments, or similar charges, but it doesn't include premiums, balance billing amounts for non-network providers, or the cost of non-covered services. Cost sharing in Medicaid and CHIP also includes premiums.

Timeline Photos 07/05/2021

In health insurance the “Allowed Amount” is the maximum amount a plan will pay for a covered health care service. May also be called “eligible expense,” “payment allowance,” or “negotiated rate.” If your provider charges more than the plan’s allowed amount, you may have to pay the difference.

In health insurance the “Allowed Amount” is the maximum amount a plan will pay for a covered health care service. May also be called “eligible expense,” “payment allowance,” or “negotiated rate.” If your provider charges more than the plan’s allowed amount, you may have to pay the difference.

Timeline Photos 07/02/2021

By failing to prepare, you are preparing to fail. Benjamin Franklin

By failing to prepare, you are preparing to fail. Benjamin Franklin

Timeline Photos 07/01/2021

Flexible spending accounts allow your employees to set aside a portion of their paychecks for health care and dependent day care expenses before taxes are calculated. The more they take advantage of this benefit, the less you'll pay for payroll taxes, including Social Security and Medicare. Depending on your state, a flexible spending account program may also reduce the cost of your workers' compensation insurance.

Flexible spending accounts allow your employees to set aside a portion of their paychecks for health care and dependent day care expenses before taxes are calculated. The more they take advantage of this benefit, the less you'll pay for payroll taxes, including Social Security and Medicare. Depending on your state, a flexible spending account program may also reduce the cost of your workers' compensation insurance.

Timeline Photos 06/30/2021

Confused about recent Health Insurance enrollment rule changes? Make sure to contact us for a no cost consultation.

Confused about recent Health Insurance enrollment rule changes? Make sure to contact us for a no cost consultation.

Timeline Photos 06/29/2021

A partnership is a formal arrangement by two or more parties to manage and operate a business and share its profits. There are several types of partnership arrangements. In particular, in a partnership business, all partners share liabilities and profits equally, while in others, partners may have limited liability.

A partnership is a formal arrangement by two or more parties to manage and operate a business and share its profits. There are several types of partnership arrangements. In particular, in a partnership business, all partners share liabilities and profits equally, while in others, partners may have limited liability.

Timeline Photos 06/28/2021

Starting a new business 101: A limited liability company (LLC) is a business structure in the United States whereby the owners are not personally liable for the company's debts or liabilities. Limited liability companies are hybrid entities that combine the characteristics of a corporation with those of a partnership or sole proprietorship.

Starting a new business 101: A limited liability company (LLC) is a business structure in the United States whereby the owners are not personally liable for the company's debts or liabilities. Limited liability companies are hybrid entities that combine the characteristics of a corporation with those of a partnership or sole proprietorship.

Timeline Photos 06/25/2021

The best and most beautiful things in the world cannot be seen or even touched - they must be felt with the heart. Helen Keller

The best and most beautiful things in the world cannot be seen or even touched - they must be felt with the heart. Helen Keller

Timeline Photos 06/24/2021

Out-of-pocket-costs are your expenses for medical care that aren't reimbursed by insurance. Out-of-pocket costs include deductibles, coinsurance, and copayments for covered services plus all costs for services that aren't covered.

Out-of-pocket-costs are your expenses for medical care that aren't reimbursed by insurance. Out-of-pocket costs include deductibles, coinsurance, and copayments for covered services plus all costs for services that aren't covered.

Timeline Photos 06/23/2021

A self-insured plan is a type of plan usually present in larger companies where the employer itself collects premiums from enrollees and takes on the responsibility of paying employees’ and dependents’ medical claims. These employers can contract for insurance services such as enrollment, claims processing, and provider networks with a third party administrator, or they can be self-administered.

A self-insured plan is a type of plan usually present in larger companies where the employer itself collects premiums from enrollees and takes on the responsibility of paying employees’ and dependents’ medical claims. These employers can contract for insurance services such as enrollment, claims processing, and provider networks with a third party administrator, or they can be self-administered.

Timeline Photos 06/22/2021

When your marital status changes, review your insurance policies. Combining separately held health insurance policies with a spouse can result in savings and discounts. Most group health insurance policies allow spousal coverage. You may want to opt for coverage under your partner's policy if superior or less expensive coverage is offered. Married couples are often considered a better insurance risk, so together you may qualify for a lower rate. Also evaluate your need for disability or long-term care insurance.

When your marital status changes, review your insurance policies. Combining separately held health insurance policies with a spouse can result in savings and discounts. Most group health insurance policies allow spousal coverage. You may want to opt for coverage under your partner's policy if superior or less expensive coverage is offered. Married couples are often considered a better insurance risk, so together you may qualify for a lower rate. Also evaluate your need for disability or long-term care insurance.

Timeline Photos 06/21/2021

The big difference between an HSA and other tax-favored medical savings accounts is that the funds in an HSA can be invested, and the earnings grow tax-free. Withdrawals used for medical expenses are not subject to income tax. Also, unlike funds set aside for medical expenses in flexible spending accounts, unspent funds in HSAs remain in the account to grow tax-free year after year. After age 65, withdrawals can be made and used for any purpose penalty-free but not income tax-free.

The big difference between an HSA and other tax-favored medical savings accounts is that the funds in an HSA can be invested, and the earnings grow tax-free. Withdrawals used for medical expenses are not subject to income tax. Also, unlike funds set aside for medical expenses in flexible spending accounts, unspent funds in HSAs remain in the account to grow tax-free year after year. After age 65, withdrawals can be made and used for any purpose penalty-free but not income tax-free.

Timeline Photos 06/18/2021

What you get by achieving your goals is not as important as what you become by achieving your goals. Zig Ziglar

What you get by achieving your goals is not as important as what you become by achieving your goals. Zig Ziglar

Timeline Photos 06/17/2021

Catch Up Contributions to HSA Accounts: The IRS did not announce any change to the limit for catch-up contributions, which allow folks age 55 and older to save an additional $1,000 per year in an HSA. So, for 2022, someone who is at least 55 can contribute a total of $4,650 or $8,300 to an HSA, depending on what type of plan they have.

Catch Up Contributions to HSA Accounts: The IRS did not announce any change to the limit for catch-up contributions, which allow folks age 55 and older to save an additional $1,000 per year in an HSA. So, for 2022, someone who is at least 55 can contribute a total of $4,650 or $8,300 to an HSA, depending on what type of plan they have.

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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