AMUSE Inc. Health & Life Insurance

We just never know...

It's Monday and a new work day for a new work week within the new month! Happy Monday!

(illustrated for me by our 7 year old in 2016 when he was in the phase of drawing mazes)

As a fellow parent, I understand the importance of, convenience of and comfort of what quality health insurance plans can offer in comfort so I can be of comfort to my own kids in their times of need.

Stay AMUSEd 😂 While this cartoon is funny (and possibly too real), I can take a look at your health coverage and situation to be sure this does not happen to you. Coverage, like doctors are not all the same.

May the Fourth be with You and LIGHT UP your day and night!

What Is Individual Health Insurance?
Health insurance covers medical expenses for illnesses, injuries and conditions. But, unlike a plan through an employer, individual health insurance is something you select and pay for on your own. So, what’s health insurance for and why do you need it?

Because accidents or health problems can happen at any time
Medical expenses can be high—they’re the number one cause of bankruptcy
To gain access to a network of doctors and hospitals that have negotiated lower rates with insurance companies
To pay and keep track of medical payments quickly and easily
To safeguard your way of life and your family’s physical and financial wellbeing
Understanding Health Insurance Terms
We know health insurance has its own language with different terms, like “deductibles,” “coinsurance” and “copayments.” Once you get a good grasp on some of these basic terms, you’ll see how simple health insurance can be. Let’s start by defining these terms:

Deductible: This is a set amount you have to pay toward your medical bills every year before your insurance company starts paying. It varies by plan and some plans have no deductible.

Premium: This is the amount you pay your health insurance company to keep your coverage active. Most people pay their premium monthly.
Coinsurance: This is the percentage of your medical bill you share with your insurance company after you’ve paid your deductible. Unless you have a policy with 100 percent coverage for everything, you have to pay a coinsurance amount. For example, if you have a $100 doctor’s bill and your plan covers 80 percent of it, your coinsurance amount due to the doctor’s office is 20 percent, or $20.

Copayment (or “Copay”): Your copayment, or copay, is the flat fee you pay every time you go to the doctor or fill a prescription. It’s usually a relatively small dollar amount. Copays do not count toward your deductible.

There are other insurance terms that may be confusing to you, but starting with these four is a good foundation. You can always check Medical Mutual's glossary for more terms and definitions. Credit: www.medmutual.com

My wife, Marketa, and our three boys are the absolute joys of my life. I am a Colorado Springs native and enjoy snowboarding, frisbee golf, camping, hiking, and CrossFit--and I enjoy these activities even more when my family and I can play together.

https://youtu.be/xNoanoQ5syY

The 5 Top Health Tips of All Time There are many bad health tips out there—here are the 5 best tips and why they work. Timestamps0:00 5 tops health tips of all time0:52 The best and worst hea...

*may it be noted, this picture was taken well before the days of the 2020 TP shortage🤣

Prior to my eleven - almost twelve years of experience in health and life insurance, I worked twenty years in full-time church ministry (which is also a form of health and life care😃). Serving others is one of life's best educators. I am grateful that in my early years I identified a passion to help people find the very best solutions that can and will make a positive difference in their lives. I also learned to serve others with a servant-leader mindset by caring for others the way I would like to be cared for, served and treated. THIS I bring to our conversations and AMUSE you with options for you to choose ranging from good quality, better quality and the best quality for your coverage.
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I was invited and honored to speak in a "Money Matters" radio segment by local celebrities, Rick Stevens and Andrew Rogers! Near or far: this information can help and amuse you where you are! Listen in now or save for later.

Money Matters - Health Insurance FAQ’s - March 25, 2023 | KRDO NewsRadio 105.5 FM, 1240 AM 92.5 FM Rick Stevens and Andrew Rogers are joined this week by Adam Muse. Adam wears a multitude of hats; he’s a husband, a father, and he has a couple of businesses, one in the Insurance world as well as one in the housing appraisal world. *LPL Financial and FRS Financial do not endorse the guests who ap...

Since 2012, I have helped my clients find creative solutions to their healthcare and lifecare needs in an ever-changing, intense insurance market. I am passionate about helping families, individuals and small businesses navigate options and I strive to bring excellence and integrity to this trade in more AMUSEing ways.

Welcome & Hello!

Thank you for scrolling in. I am "A"dam "MUSE" - I am honored to take a serious look at your health and life insurance needs and offer solutions so you can be relaxed and AMUSEd where you'd like to and should be! - It's literally in my name to AMUSE you.