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6 months ago · by · 0 comments

How Do Subsidies Work?

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!

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6 months ago · by · 0 comments

Open Enrollment Is Here!

Open Enrollment for 2019 begins today. During the next 45 days, you can sign up for any insurance plan on the Healthcare Marketplace without the need for a special enrollment period.

Our team is standing by to help you with this process. Why should you talk to an agent?

  • Healthcare is complicated. An agent can help you understand the laws, coverages, and other things about health insurance that impact your life.
  • Agents have access to more plans. An agent can help you find the best insurance at the best price. They are professionals and have quick access to all of the plans to find you the best coverage.
  • Agents can help you after the purchase. An agent can help with claims and additional things that come up with your insurance carrier throughout the year.

Schedule an appointment today to speak with David during Open Enrollment about how you can get the best bang for your buck in 2019!

Schedule Appointment

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9 months ago · by · 0 comments

Website Redesign

We are in the middle of big changes at Healthcare Solutions including redesigning our website. Please be patient as we undergo this task. We hope to be done by the start of August.  The new website will make it easier to get in contact with us as well as get quotes and materials that you need for insurance.

Stay Healthy!

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1 year ago · by · 0 comments

What is a Medicare Supplement?

Aging into Medicare can be a very confusing time. There are many options (and many letters in your mailbox) that it can be overwhelming to sift through what is best for your healthcare needs.

Original Medicare parts A and B (if elected) are generally enrolled for you upon turning 65 except in certain circumstances. But parts A and B do not cover everything.

There are several options for getting additional coverage with Medicare and to keep your costs down if you have to use your insurance. One of those options is called a Medicare Supplement or a “Medigap” policy.

Medicare Supplements help to pay the costs that original Medicare do not cover. An example: Plan G covers everything at 100% except for the Medicare Part B annual deductible which is less than $200 for 2018.

You can enroll in a Medicare Supplement at any time. However, only your first six months after enrolling in Parts A and B are considered Open Enrollment which guarantees your eligibility for coverage in a plan. Outside of this, you will be subject to underwriting in order to be eligible for coverage.

If you have questions about Medicare or would like to get quotes on a Medicare Supplement, feel free to call us today at 803-620-3487 or get a quote.

For more information on Medicare, go to the Medicare Website

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1 year ago · by · 0 comments

Individual Mandate Repeal: How It Impacts You

It is true that the recently signed into law tax bill does remove the individual mandate from the Affordable Care Act. However, this repeal of the mandate does not go into effect until 2019. This means that you must still have minimum essential coverage for 2018 or face the possibility of a tax penalty.

So what exactly does this mean?

For 2018 you must have minimum essential coverage in order to avoid the tax penalty. There are still ways to do this and you can get a quote by contacting our team.

In 2019, options will change drastically. You will be able to obtain insurance of any type without the fear of facing a tax penalty or can even opt to go with no coverage at all.

If you have questions about this, want to know your options, or have general questions about healthcare, feel free to contact my team today.

 

Sources:

H.R.1 — 115th Congress (2017-2018)

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1 year ago · by · 0 comments

I Missed Open Enrollment, What Can I Do?

If you have missed the open enrollment period for the Healthcare.gov marketplace that does not mean you cannot get insurance coverage for 2018.  There are many options to get coverage for the New Year, including avoiding the 2018 ACA Penalty.

Because you missed the deadline you do not have as many options and will not be eligible for a subsidy but you can get affordable coverage by contacting an agent/broker to assist you with a plan.

Our company has plans available that will satisfy the ACA law requirements for coverage and get your comprehensive coverage for the 2018 plan year.

Get a quote today!

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1 year ago · by · 0 comments

Save Money On Prescriptions

One of the most confusing pieces about healthcare are prescription medication costs. The Affordable Care Act made stipulations on drug coverages that are almost impossible to understand, and not all carriers are uniform in the way they present their drug tiers.

Here is what you need to know:

For each type of drug you are either going to have a copay, deductible, or coinsurance. In some cases you may be paying full price regardless if you have insurance.

These prices can often be beat, depending on the drug and insurance carrier, by a prescription discount card.

How do you use the card? It is simple. Every time you get a prescription, tell the pharmacy to run the discount card and your insurance carrier and give you the cheaper of the two options.

Prescription discount cards can sometimes save up to 85% or more on the cost of the medication which can save you hundreds of dollars throughout the year.

To get a free discount card, go to the link www.davidtaylorjr.com/rxcard 

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1 year ago · by · 0 comments

Open Enrollment Is In Full Swing

2018 Open Enrollment is in full swing and everything is running smoothly so far. It is not too late to get coverage for 2018 but time is running out.

Open Enrollment was cut from 90 days down to 45 days this year and ends on December 15th in most states. There is also no word on when changes will be made by CMS and HHS regardign the Executive Order the President signed in October.

That means, if you want a solution that is long term you need to act now!

The problem is that deductibles are high with the ACA plans for many Americans. That is ok, you can get a supplement to offset those costs.

Feel free to contact us to get a quote today!

 

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1 year ago · by · 0 comments

Open Enrollment 2018 Begins Tomorrow!

It is finally here, Open Enrollment 2018!

Tomorrow you will be able to enroll for insurance plans under the Affordable Care Act for the 2018 plan year. Here is what you need to know:

  • Open Enrollment lasts from November 1st to December 15th in most states.
  • Premiums have increased in most areas. We have actually spoken to consumers who have been told their premiums are increasing by 50%.
  • Deductibles are also going up.

There are ways to offset these new costs or eliminate them altogether. However, you will need a licensed agent to help you navigate these changes.

Our team is standing by and ready to assist you with these changes. Please call 1-888-630-3826 or schedule an appointment.

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1 year ago · by · 0 comments

Schedule Your Open Enrollment Consultation Today

2018 prices for the Affordable Care Act are now available. The Open Enrollment period starts on Wednesday and there are still many questions about regulations and any new laws or orders that would impact everyday Americans.

Our team is here to help you navigate all of those issues and to get the coverage that you and your family needs for 2018.

Schedule a Free Consultation today.

Our team will not only help you with your major medical insurance, we will also help you find your ancillary products as well (Dental, Vision, Supplements).

Why Would I Want A Supplement?

Prices for Obamacare plans are already high in most cases, and even worse, the deductibles and max out of pocket costs are high as well. A supplement can help offset those costs if something major were to happen.

Here is an example:

If you take the lowest plan available in your state in order to keep premiums low you will have a high deductible and, in many cases, even higher out of pocket costs. Imagine that you have a catastrophic event such as needing an emergency surgery. You are now on the hook for what is likely to be over $7,000 before the plan pays anything for you.

A supplement, which is usually a minimal charge per month, will actually pay that out of pocket expense for you so that the plan begins to cover everything for your healthcare for the rest of the policy year. These can be vital for families who would not be able to afford a catastrophic event with their healthcare.

Be sure to schedule a consultation today. Open Enrollment has been shortened this year to only 45 days so time is of the essence!

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Healthcare Solutions Team

Healthcare Solutions
David Taylor Jr.
Mount Hermon, KY 42157
Nationally Licensed
NPN: 18486309

Contact details

E-mail address:
dtaylorjr@myhst.com

1-888-630-3826

Available 8:00am - 4:00pm