Be Well Insurance Solutions / Fong Agency LLC

📢 Remember!

This Sunday, set your clocks ahead 1 hour. ⏰️🌼

Do employer health plans always have waiting periods? Many employers apply a waiting period for new hires, commonly.

Is a waiting period the same as a pre-existing condition exclusion? No. A waiting period applies to all enrollees, while pre-existing condition exclusions limit coverage based on medical history.

“Start where you are. Use what you have. Do what you can.”

Fast Fact: You can spend FSA funds to pay deductibles and copayments, but not for insurance premiums.

With 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.

Working with a health insurance broker gives you expertise, carrier access, and ongoing support — typically at no direct cost to you.