Healthcare Solutions Team

Understanding the difference in benefits will guide your decision making process.

Medicare Advantage vs. Original Medicare: Which One Should You Go For? Identifying the best Medicare plan is often overwhelming for beneficiaries. What are the benefits of each? What are the distinct differences between the plans? Which one should you go for? To qualify for Medicare plans, you have to be 65 years or older. You’ll automatically be signed up if you rec...

Oral practitioners and patients can limit their risk of infection.

The Need for Oral Health Prevention and Access During Covid-19 Pandemic In the wake of Covid-19, the American Dental Association (ADA) advised dental practices to postpone elective dental procedures and limit service to emergency patients. Consequently, many patients have been denied access to routine dental care and prevention. The most affected groups are those who ar...

Plenty of temporary changes might now be permanent for the Healthcare industry.

COVID19 Pandemic Could Create a New Normal in The Healthcare Industry The talk about the future of healthcare did not start today. Even before the pandemic, stakeholders always envisioned the healthcare industry and what it could be in 2030 or 2040. However, the novel coronavirus and the ensuing pandemic gave rise to new changes and sped up some of the envisioned adva...

The country is divided and the reason will surprise you.

The United States is Split Between the Vaccinated and Unvaccinated In early summer, it seemed as though the war against COVID-19 was all but won. Vaccination rates weren’t as high as the Biden administration might have initially predicted (the initial goal was to vaccinate an estimated 70% of Americans by July 4), but vaccine rates were rising across the country,...

Read why the Delta Variant is on the rise.

5 Facts You Need to Know about the Surging Delta Variant - My HST March of 2020 was devastating for many. People have lost their loved ones and their livelihoods. Those who have survived have had to do so by isolating themselves from the world, staying home as often as possible, and coping with the toll that takes on their mental health. We have remained strong du...

Read and learn how leveraging the increased financial assistance can benefit you.

The Enhanced Premium Tax Credits are Substantial - My HST It’s been months since President Biden signed the American Rescue Plan Act (ARPA) into law. The $1.9 trillion package relieves millions of families, schools, businesses, local and state governments struggling amid the pandemic. The catch, though, it’s temporary – lasting only up to the 2022 pl...

The affordable care act is misleading by their definition of 'affordable'. Read more on how it works and how other options you might have.

The Affordable Care Act and The Family Glitch - My HST Introduction The Affordable Care Act became law more than a decade ago. Its purpose was, and is, to make health insurance more affordable to more people. One way was to enable households whose earnings are between 100% and 400% of the Federal Poverty Level (FPL) to claim premium tax credits in order...

Read how licensed brokers agents can mend the need for immigrants to be insured.

Immigrants' Need for Health Insurance is a Major Opportunity for Agents - My HST Legal Immigrants and Health Insurance Legal immigrants to the United States have a right to health care insurance. We will discuss this comment in the article without getting into the politics or the emotional aspects associated with all those who are fleeing from dangers in their own country. Peopl...

Don't wait until open-enrollment to change your insurance. Read how to qualify now.

Types of Qualifying Life Events for Health Insurance Change - My HST As of 2019, about 92 percent of people in the U.S. had some form of health insurance. However, when life changes unexpectedly, you may need to modify your health insurance plan to ensure it suits your needs and circumstances. The good news is that you do not have to wait for the Open Enrollment Peri...

We all age into Medicare eventually. Educate yourself with this read.

Medicare Plans Coverage: All You Need to Know - My HST Medicare was first launched in 1965 and is a federal healthcare insurance program initially offered to people aged 65+. In 1972, this program was revised to include people with long-term disabilities and kidney failure but are below the 65-year threshold. Currently, Medicare has more than 44 million...

Scientists have detected new Covid-19 variants. Read how effective the vaccines are.

The Effectiveness of the Pfizer and Moderna Vaccines: A Review of the Research - My HST As we have been faced with a global pandemic for over a year, several countries now have COVID-19 vaccination programs in full gear. In the United States, we are vaccinating about 4 million persons a day. The two primary vaccines currently being used are the Pfizer BioNTech (Pfizer) and the Moderna....

This read will blow your mind 🤯

How Much Do Health Insurance Brokers Make Per Policy? - My HST One of the questions on the mind of most health insurance policyholders is how much health insurance brokers make per policy. Before taking your cove, you may not be sure if you will be paying the brokerage fee alongside your premium or if the broker will bill you separately for his brokerage servic...

Do you operate a small business? Read this.

Small Businesses Should Consider Group Health Coverage Plans - My HST There is so much that goes into starting and growing a small business. One concern that many employers have is the health insurance plan. Getting insurance through a company is one of the most common ways a person can pay for medical care. An estimated 156,199,800 people in the United States have em...

Read how to get ahead of Father Time.

6 Recommended Preventative Health Services for Older Adults - My HST Medical preventative care is vital for everyone, but it is even more so for older adults. The reason being, as you get older, your body becomes susceptible to health problems, which predispose you to conditions such as blood pressure, respiratory diseases, Alzheimer’s, osteoporosis, and so on. Tha...

Read why this is best time to be insured.

Is This The Best Time To Be Insured? Half A Million Americans Gain Coverage Under Biden - My HST Healthcare has always been an Achilles’ heel for as long as the American experiment has existed. Subsequently, governments throughout history have tried to come up with solutions in an attempt to bring healthcare within reach of the masses. Significant moments in history that have moved the needle...

Read how the Special Enrollment Period has been modified.

Recent Healthcare Marketplace Important Changes - My HST The Healthcare Marketplace Special Enrollment Period (SEP) has been modified because of an executive order signed by President Biden. On March 23 it was announced that the Centers for Medicare & Medicaid Services (CMS) will be extending the SEP by three months to give consumers more time to purchase...

Stop guessing what's best for your health and get a free personal shopper to assist.

How Working With an Insurance Agent Is Like Having a Personal Shopper - My HST Some people will buy insurance from a company directly online or in person. While there are a couple of benefits, customers can get a better deal by using an agent. With life insurance alone, 44% of millennials overestimate the cost of insurance by 5 times the actual price. Possibly, they are not fu...

Read how the Covid-19 bill will lower high insurance premiums. https://myhst.com/news/how-the-covid-19-bill-is-a-relief-from-high-health-plan-premiums/

How the COVID-19 Bill is a Relief From High Health Plan Premiums - My HST As you know, Americans spend a significant amount of money on healthcare. Every year, they have to cope with copays, high insurance premiums, and high deductibles. In 2019, the country spent more than $3.8 trillion on healthcare. In 2020, the spending exceeded $4 trillion and is not expected to drop...

It's time to capitalize on your health insurance. Read how.

Congress Wants to Make Health Insurance Affordable: How to Take Advantage - My HST If you need affordable health insurance these days, then you’re in luck, because this is exactly one of the issues that Congress is currently working on. Here’s some information about how congress is working on this issue, what that could mean for your situation, and how exactly you can get help...

Stay in the know. Read how the insurance companies are covering the vaccines.

Will My Health Insurance Cover A COVID-19 Vaccine? - My HST In an effort to curb the rapid spread of the coronavirus, the federal government has invested billions of dollars in the research and development of the Covid-19 vaccine. And to ensure wide-scale immunization, the federal government has purchased millions of multiple Covid-19 vaccine doses and distr...

Life insurance isn't an easy purchase. Read our tips to be properly prepared.

Choosing Life Insurance: 7 Tips for First-Time Buyers - My HST Buying life insurance is one of the most important financial decisions. However, with so many options to choose from, making the right decision can be an overwhelming task. This is particularly true if you are a first-time buyer. To buy the policy that is the best for you, you have to familiarize yo...

The vaccines are everywhere. Find out your eligibility with this read.

When will the Covid vaccine be available to everyone? - My HST The COVID-19 pandemic has significantly changed most people’s lives, including how we do business and interact with one another. Most people shut their businesses as others lost jobs. The announcement of a COVID vaccine came as a relief to many people around the world. But, there is a problem – ...

What does this Open Enrollment period mean? Read this.

Taking Advantage of The New "Open Enrollment" Period in February - My HST If you’re looking for health insurance at affordable rates, it’s definitely worth paying attention to the fact that the brand new “Open Enrollment” period was just announced. You can get in early on the program right on February 15, 2021, when this period begins. Here’s some information on...

You'll be purchasing insurance the rest of your life. Get to know small group plans now.

How are Small Group Health Insurance Plans More Affordable Compared to Other Plans? - My HST When it comes to the workplace, employees play a crucial part in a company’s success. Many employers want to keep them safe and healthy, so workers can continue being productive. One of the ways to do this is by offering coverage for health care. There are multiple solutions, and one of them is sm...

Half of all men and women will get cancer in their lifetime. Every 60 seconds someone suffers a heart attack or stroke. Read why critical illness is right for you.

myhst.com

Does your work offer group health insurance?

Six Reasons Why You Should Offer Group Health Insurance - My HST Health insurance for you and your employees is a major decision for your business that will go a long way to protect your business interest and those of your employees. As a business, your employees’ well-being is a top priority if you want to keep the group highly motivated and increase productio...

It's insurance and it's critical. Read why.

How Does Critical Illness Insurance Work? - My HST Critical illness insurance is also known as catastrophic illness insurance. This type of insurance is in place to protect you from being completely financially ruined if you get hit with a major, life-changing health event. Here’s some more information on this type of illness including why you mig...

Workplace not providing flexibility or freedom? Be your own boss in 2021 with Healthcare Solutions Team as an insurance agent.

https://myhst.com/news/new-line-of-work-become-an-agent/

New Line of work? Become an Agent - My HST At Healthcare Solutions Team, our agents are the bedrock of our business. As such, we take our time to select the finest agents, train them, and it is a guarantee that our agents are among the best in the country. We also provide a conducive working environment, which increases our agents’ product...