Affordable Care Act (ACA) Individual Medical Insurance Open Enrollment November 1 – December 15 This year will be a good year for those seeking Medical Insurance coverage for themselves and their families. Last year they removed the mandate to have coverage thinking it would sink the ship, (The ACA also known as Obamacare) but instead…
The last couple of nights I watched the Democratic Presidential Debate. Gosh there are a lot of candidates. Now of course the part of the debate that resonated most with me were the Medical Insurance discussions. If you don’t know I have been helping people with Medical and Medicare Insurance since 1993. But my…
When the thermometer gets hotter, hospital emergency rooms brace themselves…You may call it summer, but in Emergency Rooms across the country, the three-month period that follows spring is known as “Trauma Season.” It is particularly true in the Pacific Northwest, when children — and adults — who have been cooped up for months emerge from…
It is important to carry Life Insurance. You may have to pay for things like: Funeral Expense Pay Mortgage Care for Spouse and/or Children College Pay Off Debt Loss of a Key Employee Replace Income And More Are you adequately insured? Life Insurance is an agreement you make with an Insurance company where…
Now that Open Enrollment is over, how can I obtain Medical Insurance? The Affordable Healthcare Act (ACA) has changed the way Health Insurance Coverage can be obtained. Medical Insurance must be applied for during the Annual Open Enrollment period that last from November 1 – January 15. If it is not the Annual Open Enrollment period you can only…
Group Medical Insurance / Small Business Employee Benefit Plans Are you a small business challenged with providing quality Medical Insurance to your valued and trusted employees? You know they are the reason you are a successful organization so you want them to receive quality. The Affordable Care Act was supposed to help but it seems…
You can only enroll into an ACA Qualified Health Plan during the 0pen Enrollment Period or if you had a Qualifying Life Event within the last 60 days. If you don’t meet these requirements or if you want to enroll into a PPO so you don’t have referrals or network restrictions here are a couple…
It is that time of year. Time to renew your Medical Insurance for 2019. Open Enrollment goes from November 1 thru December 15. This is the shortest Open Enrollment period since the inception of the Affordable Care Act. This year will be one of considerable uncertainty. The Affordable Care Act (ACA) was designed to insure…
Indexed Universal Life Insurance Policies (IUL) Indexed Universal Life (IUL) insurance policies are a relatively new ‘hybrid’ product that insurance companies offer, combining the best aspects of the fixed whole life and the variable life insurance. The main distinguishing feature of this type of life insurance is that it allows you to invest the cash…