Health and Dental Insurance Working Together

Health and Dental Insurance |

Did you know that 120 health conditions can be detectable during a dental exam? Undoubtedly, there is a connection between oral health and overall health, so shouldn’t your health and dental insurance work together?

Health and Dental Insurance Working Together

Maintaining good oral health and routine visits to the dentist can really pay off in a bigger way than just a having a healthy smile. During a routine dental exam, a dentist is often able to see signs of potential overall health concerns, such as diabetes, mouth cancer, heart failure and more.

Identifying these conditions early may prevent them from getting worse, keeping you healthier and happier. In addition to improving overall health, it could also impact medical costs and quality of life.

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Updated CHIP Model Notice Now Available for Employers

CHIP Model Notice |

If your company sponsors a calendar-year group health plan, don’t forget to send all eligible employees a CHIP model Notice.

Updated CHIP Model Notice Now Available for Employers

An updated CHIP model notice for employers to provide information on eligibility for premium assistance under Medicaid or the Children’s Health Insurance Program (CHIP) is now available for download from the U.S. Department of Labor (DOL).Read More

Important information about Health Insurance Premiums in 2018

Division of Insurance approves health insurance premiums for 2018

The Colorado Division of Insurance has just approved individual and small group health insurance plans for 2018. You’ll find the entire press release from the Colorado Department of Regulatory Agencies below, but here are the main highlights:

  • Colorado did not lose any on-exchange insurance companies selling individual plans for 2018.
  • Insurance Commissioner Marguerite Salazar calls for Congress to to take immediate action to stabilize the market and sweep away the uncertainty pushing up rates and making companies skittish. The Commissioner asks Congress to establish a reinsurance program that would provide relief to the entire individual market, including those who don’t qualify for subsidies, by reducing rates for 2018.
  • In Colorado, health insurance premiums for individual plans (not from an employer) will be increasing by an average of 26.7%
  • In Colorado, health insurance premiums for small group plans will increase by an average of 6.6%.
  • In total, 17 insurance companies will offer individual and small group plans in Colorado in 2018.

As always, whether you are an individual or business, we can help you find the best insurance for your situation.

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Do you have a Disaster Recovery Plan?

Disaster Recovery Plan |

Everyone Needs a Disaster Recovery Plan. Download Your Free Guide.

As the devastating flooding in Texas and wildfires in California, Oregon, and Montana remind us, disaster can happen to any of us at any time. It might be unpleasant to think about, but would you be prepared in the event of a catastrophic natural disaster or cyberattack? Do you have a disaster recovery plan in place in the event that your home or business was severely damaged or destroyed?

Just as health insurance protects our financial wellbeing and access to quality care in the event of a health related crisis, it’s important to have a plan in place that will help you recover from a disaster such as fire or flood.

The MLJ Disaster Recovery Planning Guide

This free, downloadable disaster recovery plan clearly identifies the 7 planning steps necessary to developing a strategy for ensuring that your assets are protected and you are able to function in the event of a disaster. Download this free guide now by clicking on the link below.


Without a Disaster Recovery Plan, a lifetime of work can be wiped out by a natural disaster.

Our Disaster Recovery Planning Guide includes key steps that must be implemented, including:

  • Organizing Recovery Teams
  • Developing Relocation Plans
  • Writing Business Continuity Procedures
  • Documenting Manual Workarounds
  • Developing an IT Recovery Strategy

Ensure that you are ready if disaster strikes. Be sure to download and email the Disaster Recovery Planning Guide today.


As always, we are here to help. If you have any questions or concerns please contact us.

Medicare Part D Projected Cost Decrease in 2018

Medicare Part D |

The Cost of Medicare Part D Projected to Decrease in 2018

For the first time in five years, the average monthly premium for Medicare Part D prescription drug coverage is expected to decrease next year.

The average cost of Medicare Part D prescription drug plan is projected to drop to $33.50 per month in 2018, down from $34.70 in 2017. The CMS, Centers for Medicare & Medicaid Services announced the estimated $1.20 monthly cost decrease this week.

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Open Enrollment for Colorado Health Insurance, 2018

Open Enrollment |

Open enrollment is a period each year when you can sign up for health insurance. Many of these rules could change in the future, but the Affordable Care Act (ACA), or Obamacare as popularly known, is currently still in place for 2018 health insurance plans.

MLJ Insurance was happy to assist many Coloradans during Open Enrollment 2017. We understand there are many questions about Healthcare Reform, but here’s what we know about the upcoming open enrollment so far.

When is the next Open Enrollment?

Open enrollment in the individual market (on and off-marketplace) has varied considerably over the last few years. Starting with 2018 coverage, open enrollment will run from November 1, 2017 to December 15, 2017, with all plans effective January 1, 2018. Plan selections will not be able to be made after the year begins.

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Travel Health Insurance – who needs it?

Travel insurance |

Do You Need Travel Health Insurance?


Travel insurance | mljinsurance.comThis is the million-dollar question. And, ultimately, it’s a personal decision.  Plenty of people travel without travel health insurance.   It is easy to get caught up in the mindset of “that won’t be me” when it comes to considering the worst-case scenario.

YES. Everyone should carry some type of travel health insurance when traveling out-of-country.

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Key Changes in the New I-9 Form

new I-9 form 2017 |

Employer Alert! New I-9 Form

All U.S. employers must verify the employment eligibility and identity of each employee hired to work in the United States by completing Form I-9 for every employee, including U.S. citizens. If an employer fails to use the current version of the I-9 Form, they could be subject to fines and/or penalties in the event of an audit.

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What is Ransomware?

Ransomware prevention |

Ransomware is one of the most popular forms of online attack today

Let’s find out what ransomware is, how it works and what could make you vulnerable to attack. Also, let’s see if there is an answer to the most common question: Is Ransomware Removal possible?

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