ART Risk Financial and Insurance Solutions, Inc.

💡Understanding Insurance: PPO vs. HMO

Choosing the right insurance plan can be tricky, but knowing the differences between a PPO (Preferred Provider Organization) and an HMO (Health Maintenance Organization) can make a big difference!

This diagram gives a quick overview and is a great way to begin to understand the difference between these two types of policies. As ACA Open Enrollment will begin in just a few short months, save this post to refer back to before choosing an ACA plan.

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We are beyond grateful for our wonderful clients! This week, we're sharing a heartfelt testimonial from one of our clients who deeply appreciates our hospitality AND is a client who has used ART Risk's services in a prior journey. We were ecstatic to assist this IP again and are thankful always for these kind words!
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We get this question so often and many are often confused as to the WHY. The policy is written in the Gestational Carrier's name and she has to be the one to provide consent to cancel the policy.

ART Risk is happy to assist with this process when a cancellation request comes in, and we promptly reach out to the GC to get the needed consent and begin the process. Have any other questions about this? Send us a DM or contact your Dedicated Agent!

The IAE Alliance is a dedicated non-profit organization with a mission to support the ART community and the public. IAE Alliance advocates for access to and equality in insurance for those involved in third-party family building.
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Together, we can make a difference! Become a member today for just $5 and be a part of positive change in our ART community!
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JOIN HERE: https://www.iaealliance.org/store/p/membership

Client testimonials are more than just words—they're a testament to our dedication and impact.
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We're deeply moved by feedback like this: "I felt reassured and can now sleep well."
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Having clients' trust and satisfaction is fuel to our commitment to excellence every day. Thank you for being part of our journey!

Looking forward to Chicago with Academy of Adoption and Assisted Reproduction Attorneys!!

📣 Registration is open for AAAA's 2024 Midyear Conference! 📣

Discover how to navigate the Currents of Assisted Reproductive Technology Law on the Chicago River this September!

Learn more and register here: https://ow.ly/Ajcq50Ss7lt

Understanding your insurance premium payment grace period is so important! This extra time can prevent lapses in coverage, giving you a safety net in case of unforeseen circumstances. Stay informed, stay protected, and ensure your peace of mind. Contact ART Risk if you have questions about your policy grace period for more details.

We're thrilled to share our latest 5-star Google review! Our clients' trust and satisfaction means the world to us. Check out what our amazing clients are saying about their experience with us and thank you to Kelsey and Taylor for their comprehensive care of our clients and continual communication to them all!

Understanding the importance of Short Term insurance and when it is best utilized for a surrogacy journey can provide great financial savings for Intended Parents.
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Read the details in this carousel to learn more and contact an ART Risk Dedicated Agent to discuss if Short Term is the best option for your unique situation.
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These next 3 months of the calendar year is when it can be best utilized. Contact ART Risk to learn more!

Ensuring your insurance agent acts as a fiduciary is crucial.
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This means they're legally obligated to put your best interests first, helping you navigate policies and decisions with trust and transparency.
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Protect your future with an insurance brokerage that is COMMITTED to putting your needs before all else and is fully transparent.

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We are deeply moved by this heartfelt comment we received on a recent social media post about our C.A.R.E. initiative! Reading this comment reminds us why we do what we do.
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Thank you for sharing your experience and trusting us to support you as a Gestational Carrier on your journey. Your words inspire us to continue striving for excellence every day.
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When embarking on a surrogacy journey, it's crucial for Intended Parents to work with an insurance agency specializing in Assisted Reproduction. Understanding insurance liens can be complex and, if overlooked, can significantly add to your costs.

Our expertise ensures you're fully informed and protected, preventing unexpected expenses and allowing you to make informed decisions before placing medical insurance to be used for the prenatal medical care.

At ART Risk, we stand with all those who experience infertility. We understand the emotional and financial challenges that come with this journey, and we're here to provide support and specialized insurance solutions for IVF and surrogacy.
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The World Health Organization (WHO) recognizes the month's importance, as infertility is a public health issue that affects millions of people worldwide. The WHO estimates that 1 in 6 people globally are affected by infertility, but this statistic doesn't include LGBTQ+ couples or people who choose to parent without a partner.
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You're not alone—together, we can build the families of tomorrow.

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We are thrilled our Independent Department is able to fully support so many Independent clients. Our team is dedicated to ensuring you have all the information you need to make educated decisions and feel comfortable with all the insurance choices you make. Thank you for trusting us with your journey. We're honored to be part of it!
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Our last conference for the Spring Season begins today in Chicago. ART Risk team members will be MHB - Men Having Babies and we can't wait to connect with the attendees! Catch our amazing team member, Candace, as she shares her expertise on the Surrogacy Costs panel. Join us for an insightful and informative session and conference.

For more details:
https://www.menhavingbabies.org/surrogacy-seminars/chicago/

We are excited to be attending the Midwest Reproductive Symposium conference in Chicago!

Team members, Terie and Denise are looking forward to learning and connecting with industry leaders, while also sharing about the comprehensive insurance solutions for surrogacy journeys.

If our professional colleagues are also attending- drop a comment below or send us a DM so we can connect with you in Chicago this week!

🎉Happy ARTiversary to Abbey! We are celebrating two years having Abbey as part of the ART Risk Team. She is one of our Dedicated Agents and is so loyal and committed to her clients. Thank you Abbey for all you do!💚💙

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Our Claims Specialists work hard to ensure that every bill is paid and each claim is processed correctly. We are grateful this Gestational Carrier was able to see the VALUE in this service during her surrogacy journey, as her case was not a straightforward one.

Thank you to ART Risk Claims Specialist Nicole for her dedication to see that every last claim and bill was processed correctly! Paying attention to the details counts and this GC saw that too!
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Confirming the hospital is in-network before delivery is extremely important to ensure the the delivery bills will be processed as in-network with your insurance plan.
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Follow these steps to confirm the hospital is in-network 2-3 months before delivery to ensure you don't end up with unnecessary large delivery bills.
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Today is set aside to honor the brave men and women who made the ultimate sacrifice for our freedom. This Memorial Day, we remember and give thanks.

May 22nd is and May is Preeclampsia Awareness Month.
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This is a hypertensive disorder of pregnancy and a common cause of Pre-Term birth. Preeclampsia can happen in ANY pregnancy, and it is important to be aware of the symptoms and get proper medical care immediately if you experience the symptoms.
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We can all help to help prevent deaths and raise awareness for all those affected by .