Massachusetts small business health insurance2023-04-02T17:00:22-04:00

As a small business owner in Massachusetts, you may be wondering what your options are for providing health insurance to your employees. Fortunately, there are several options available to you.

One of the most popular options is to purchase a group health insurance plan. This allows you to offer coverage to all of your employees, and typically provides more comprehensive coverage than individual plans. You can purchase group health insurance through an agency with licensed insurance brokers like 360Wise Insurance Agency or directly from an insurance company.

Another option is to join a health insurance purchasing cooperative. These cooperatives allow small businesses to band together to purchase group health insurance at a lower cost than they would be able to individually. The Massachusetts Health Connector is one such cooperative. If you have fewer than 50 employees, you may also be eligible for the Small Business Health Options Program (SHOP) marketplace. This marketplace allows small businesses to compare and purchase health insurance plans from different insurers. You may also be eligible for tax credits to help offset the cost of providing health insurance to your employees.

Regardless of which option you choose, it’s important to carefully consider the needs of your employees and your budget when selecting a health insurance plan. You may want to consult with an insurance broker or financial advisor who specializes in small business health insurance to help you make the best decision for your business.

In addition to providing health insurance, there are other steps you can take to promote employee wellness and reduce healthcare costs. These may include offering wellness programs, encouraging healthy habits among your employees, and providing resources for mental health support. Overall, providing health insurance for your employees is an important investment in both their well-being and the success of your business. With the many options available in Massachusetts, you’re sure to find a plan that meets both your needs and the needs of your employees.

Short Term Health Insurance Georgia2023-04-02T12:16:19-04:00

Short term health insurance is a type of coverage that provides limited benefits for a temporary period of time. In Georgia, there are several options available for those who need short term health insurance coverage.

First, it’s important to understand what short term health insurance is and how it differs from traditional health insurance plans. Short term health insurance is designed to provide coverage for a specific period of time, usually between 30 days and 12 months. It’s often used as a temporary solution for individuals who are between jobs or waiting for other types of coverage to start.

Short term health insurance plans typically offer lower premiums than traditional health insurance plans, but they also provide limited benefits. These plans may not cover pre-existing conditions, and they may have higher deductibles and out-of-pocket costs.

If you’re looking for short term health insurance in Georgia, one option is to search for plans through a reputable insurance agency. Some of the top providers offering short term health insurance in Georgia include Blue Cross Blue Shield, UnitedHealthcare, Aetna and slew of others.

Another option is to work with an independent insurance agency who can help you compare different plans and find the best option for your needs. 360Wise Insurance agents have access to a wide range of insurance providers and can help you navigate the complex world of health insurance.

Overall, short term health insurance can be a useful option for those who need temporary coverage in Georgia. However, it’s important to carefully consider your options and choose a plan that provides the right balance of benefits and affordability for your needs.

What is the reinstatement provision in a health insurance policy2023-04-02T12:01:24-04:00

As a truck driver, navigating the world of health insurance can be a daunting task. With long hours on the road and the potential for accidents or health issues, it’s important to have proper coverage. Luckily, there are a few options available to truck drivers when it comes to health insurance.

First and foremost, many trucking companies offer health insurance as part of their benefits package. This can be a great option if you’re looking for a one-stop-shop for all of your employment-related benefits. However, it’s important to note that these plans may not always offer the most comprehensive coverage or be the most affordable option. Another option is to purchase health insurance through a private provider.

This can give you more control over the type of coverage you receive and can often be more affordable than employer-sponsored plans. It’s important to do your research and shop around for the best plan that fits your needs and budget. Additionally, some organizations specifically cater to the health insurance needs of truck drivers.

When considering health insurance options as a truck driver, it’s important to keep in mind the unique challenges that come with the profession. Long hours on the road can lead to health issues such as back pain or obesity, and accidents are always a risk. Be sure to look for plans that offer coverage for preventative care, as well as emergency services. In conclusion, there are several options available when it comes to health insurance for truck drivers.

Whether you choose an employer-sponsored plan, purchase coverage through a private provider, or opt for a plan tailored specifically to truck drivers, make sure to do your research and choose the plan that best fits your needs and budget. Don’t leave your health and well-being up to chance – invest in proper coverage and contact 360Wise Insurance today.

what is zero deductible health insurance ?2023-04-01T15:39:39-04:00

Zero deductible health insurance is a type of health insurance plan where you don’t have to pay anything out of your own pocket before your insurance coverage kicks in.

This means that if you have a zero deductible health insurance policy, you won’t have to pay any deductible amount before your insurance starts paying for your medical expenses. Typically, traditional health insurance policies have a deductible amount that you have to pay before your insurance company starts covering the cost of your medical expenses.

For instance, if you have a health insurance plan with a $1,000 deductible, you would have to pay the first $1,000 of your medical expenses out of pocket before your insurance coverage kicks in. However, with zero deductible health insurance, there is no such requirement.

Zero deductible health insurance can be a great option for individuals and families who require frequent medical attention or those who may have chronic medical conditions. This is because they won’t have to worry about paying anything out of pocket before their insurance coverage begins. However, it’s important to note that zero deductible health insurance plans may come with higher premiums than traditional plans with deductibles. You’ll want to weigh the cost and benefits of each plan before making a decision on which one to choose.

In summary, zero deductible health insurance is a type of health insurance plan that allows you to skip paying any out-of-pocket costs before your insurance coverage begins. While it can be a great option for those who require frequent medical attention or have chronic medical conditions, it’s essential to carefully consider the costs and benefits of each plan before making a decision.

Should I Use a Broker to Get Health Insurance2023-04-02T11:48:46-04:00

Yes, using a broker to get health insurance can be a smart choice for many people. But before we dive into the reasons why, let’s first define what a broker is. A health insurance broker is a licensed professional who helps individuals and businesses find the right health insurance plan for their needs. They work with multiple insurance companies and can provide you with a range of options to choose from.

Now, let’s talk about why using a broker can be advantageous:

1. Expertise: Health insurance can be complex and confusing, especially if you’re not familiar with the terminology or the range of options available. A broker can provide you with expert advice and guidance, helping you understand the different plans and options and choose the one that best suits your needs and budget.

2. Time-saving: Shopping for health insurance can be time-consuming, particularly if you’re doing it on your own. A broker can save you time by doing the research and legwork for you, finding plans that meet your criteria and presenting them to you in an easy-to-understand format.

3. Cost-effective: A broker’s services are typically free to the consumer since they are paid by the insurance companies they work with. Additionally, brokers can help you find plans that offer the most value for your money, helping you save on premiums and out-of-pocket costs.

4. Personalized service: A broker can provide you with personalized service, taking the time to understand your unique needs and circumstances and finding plans that meet those needs. They can also offer ongoing support and assistance throughout the enrollment process and beyond. It’s important to note that not all brokers are created equal, so it’s essential to do your research and choose a reputable broker with a proven track record of success.

In conclusion, using a broker to get health insurance can be a wise decision for many people. With their expertise, time-saving benefits, cost-effectiveness, and personalized service, brokers can help you navigate the complex world of health insurance and find the plan that best meets your needs.



Affordable medical insurance is essential for every family to safeguard the health of their loved ones. At 360Wise® Insurance, we understand the importance of having health insurance that covers your family’s medical needs. We offer a range of health insurance plans that are tailored to meet your specific requirements and budget. Our team of experts can help you choose the best plan that suits your needs and provides comprehensive coverage. With our affordable medical insurance plans, you can have peace of mind and protect your family’s health without worrying about the cost. Contact us today to learn more about our health insurance plans and how we can help you secure your family’s future.

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