Just wanted to say happy new year to everyone. I hope that 2019 finds you and your loved ones in good health. This may be the year to explore extra options such as dental, vision, or life insurance.
Life insurance can be especially important. You never know when the unexpected is going to happen and you do not want your family saddled with a great burden if something were to happen to you.
Feel free to contact us today for a free quote!
Open Enrollment ended on December 15th, 2018. You will not be able to enroll in a Marketplace plan again for the 2019 plan year without a Special Enrollment Period. However, this does not mean you do not have options to get healthcare in 2019.
There are several options for people who missed the deadline. One of the main options is a short-term medical plan. These plans used to only last for three months. However, in August 2018 the rules changed and, in most states, the plans now last for up to 12 months. This is a great option for people who missed the Open Enrollment deadline.
There are other issues that may prohibit someone from buying a short-term medical plan. For those people, I recommend downloading our Free Healthcare Resources Guide. This is a brand new resource we are making available for free that tells you how you can save thousands of dollars on healthcare and prescription costs with or without insurance.
This is just one of the ways we are working to help you and your family save money on healthcare costs. Please give us a call today at 1-888-630-3826 to see how we can help you and your family this coming year on healthcare.
December 11, 2018
Mount Hermon, KY – David Taylor Jr. has been recognized for his hard work and expertise in helping consumers enroll in and manage qualified health coverage through the Health Insurance Marketplace.
This nationwide recognition from the Centers for Medicare & Medicaid Services (CMS) as a member of the 2019 Marketplace Circle of Champions highlights David Taylor’s success in enrolling consumers during this Open Enrollment Period.
“Consumers turn to agents and brokers for trusted advice and guidance in selecting plans, enrolling in coverage, and managing their health insurance policies throughout the year,” said Randy Pate, Director of Center for Consumer Information & Insurance Oversight (CCIIO) operation within CMS, which oversees the Marketplace. “We thank David Taylor for his hard work and exceptional service in helping Americans get coverage.”
The Marketplace Circle of Champions program recognizes the hard work, expertise and service of Marketplace-registered agents and brokers. Agents and brokers large numbers of consumers qualify for the Marketplace Circle of Champions.
Eligible consumers can enroll in Marketplace coverage during this year’s Open Enrollment Period, which runs November 1 – December 15, 2018. Consumers with questions about their coverage or who would like help enrolling, can contact David Taylor at 1-888-630-3826.
Today is the last day for open enrollment for 2019. If you do not select a plan by midnight tonight, you will not be eligible to receive subsidies for 2019 without a special circumstance.
Don’t miss out on your opportunity to select from the maximum number of options for your health coverage in 2019. Call today 1-888-630-3826!
The ruling has not placed an injunction on the current market so nothing changes yet. We are still monitoring the situation. There will likely be an appeal process. Any updates will be reflected on our updates page.
We are aware of the news that dropped moments ago that a federal judge has ruled the Affordable Care Act, known as Obamacare, to be Unconstitutional and invalidated.
We do not know any details of how this will impact health coverage for 2019 at this time. We will update you as soon as we know something more.
When was the last time you checked the market for a different health insurance plan? Why should you?
The fact is that in the era of Obamacare new plans are constantly becoming available and old plans are constantly changing or going away altogether. What does this mean? Often, people are paying too much for their health coverage without even realizing it.
Get a free review of coverage today using the link below so we can get you a quote. There is no requirement to buy and you will find out if you truly have the best coverage that is available to you.
Schedule A Free Review
For the last few years short-term health insurance plans have only been allowed to last for a maximum coverage period of three months. This decision forced many families into overly expensive health plans in the Healthcare.gov Marketplace.
On October 2nd all of that changed. These plans are now allowed to last for one year just like any other medical plan. This means that you have more options, more networks, and often better prices to choose from.
This, combined with the elimination of the ACA Tax Penalty for not having insurance, means that now is the best time to buy insurance for you and your family.
Please request a free quote today to find out what your options are!
Often we forget about our teeth when thinking about healthcare. But the reality is this, dental health is essential to living a healthy life. Many health concidtions (including diabetes, respiratory disease, osteoporosis, and cardiovascular disease) have direct relationships to your dental health.
Dental insurance helps keep you health in several ways.
- Regular visits to the dentist for cleanings are covered at 100% in most cases. This allows you to find any potential problems before they become major issues.
- If something major comes up, you are not footing the entire bill for major out-of-pocket costs.
Be sure when making an appointment that you ask how dental insurance can be helpful to your overall health package.
Call today at 1-888-630-3826 or Get a free quote.
Understanding A Copay
Some insurance plans offer a type of office visit payment called a copay. This term can be confusing as it does not mean the same thing every time.
Typically, a copay is the amount that you are required to pay to be seen for service. That part is easy to understand. The difficult part is whether or not the copay is all you will pay for the service that you are receiving.
Some insurance plans waive the deductible in favor of the copay. That means you do not have to meet your deductible and only have the copayment and any applicable coinsurance. However, many plans require a deductible before you get to pay a copay. This means if your office visit is normally $100 and your copay is $20, you would have to pay the full $100 if your copay has not been met.
Are Copays Right For Me?
The question of whether or not a plan with a copay is right for you depends on what you want your out of pocket costs to be for the year. Typically, plans with copays are higher in monthly premiums. However, your upfront costs for medical services may be cheaper.
This is not a question that is easy to navigate on your own. Our team is available to help explain the plans that you are looking at and to help you decide what plan will give you the best coverage at the best overall prices. Schedule a call today or submit a form to get a free quote.
Can I save money?
Every year Open Enrollment for the Affordable Care Act, also known as Obamacare, starts in November and people always ask what is the cheapest plan they can get? The answer is, it depends!
The Affordable Care Act allows for certain individuals to receive subsidies based on income levels. However, you must first meet a certain income level before you are allowed to receive a subsidy. What does this mean?
For an individual, you must make at least $16,000 per year to receive subsidies in many cases. More information can be found at healthcare.gov about specific income levels.
Is there a downside to subsidies?
As with most things, there are caveats to subsidies. At the end of each year, your subsidy level will be compared to your IRS Tax Return to make sure that you actually qualify for the subsidies you received during the year for healthcare. If your income level is higher than what you reported on your application, you will owe money back to the government for the subsidies that you did not qualify for. This can be fixed by making sure you update any income levels that may change during the year to keep your subsidies and premiums at the proper amount.
How Can I Get Help?
We are here to help you during Open Enrollment as well as the entire year. Our team can help you determine if you are eligible for a subsidy, apply for insurance, and help you keep everything updated throughout the year. To get help, book an appointment using the button below. Or request a free quote, we are happy to help!