The CHIC Blog
📰 Coverage News for California Employers and Families
Short, plain-English updates from a licensed agent serving all of California. What changed, what it means for you, and what to ask before your plan renews.
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Why I Chose HealthMarkets: How I Started and What Agents Get
I asked every company the same question: why should I join your group over theirs? Here’s what HealthMarkets answered, and what agents get when they join.
Posted in Join My Team -
Can It Be Too Late to Get Life Insurance?
Yes. Life and supplemental plans can decline or limit coverage after certain health changes, so timing matters.
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Why Do People Put Off Buying Life Insurance?
Mostly because it’s an uncomfortable subject. The process is usually much quicker than people expect.
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When Is the Best Time to Buy Life Insurance?
Usually now. Life insurance is priced on your age and health when you apply, and both only move one direction.
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Is a Dental Savings Program the Same as Dental Insurance?
No. A dental savings program is a membership discount plan, not insurance. You pay discounted rates directly at participating dentists.
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Can I Buy Dental Insurance Without Health Insurance?
Yes. Standalone dental plans are sold on their own, and some cover major work without a long waiting period.
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Can I Buy Vision Insurance Without Health Insurance?
Yes. Standalone vision plans can be bought on their own, any time of year.
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What Is a 3-in-1 Supplemental Insurance Plan?
It bundles accident, critical illness and accidental death and dismemberment coverage into one policy with one bill.
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What Is a Guaranteed Issue Hospital and Outpatient Plan?
It’s a supplemental plan that pays set cash benefits for hospital stays, doctor visits and urgent care, with no health questions for eligible applicants.
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What Is Hospital Indemnity Insurance?
Hospital indemnity pays you a set cash benefit for each day of a covered hospital stay, with no network to worry about.
📅 How often do you post new articles?Updates
💬 Can I ask a question for you to answer here?Questions
Articles are general information, not an offer of coverage or legal or tax advice.
👋 About This Blog
I’m Matthew Reilly, a licensed health and life insurance agent serving all of California in English and Spanish. I write here so you can spot changes before they cost you.
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