Are Short Term Insurance Plans “Junk”? We hear a lot of talk in the news about short term insurance plans. Democrats were furious last year when the Trump Administration undid an Obama-Era regulation that limited these plans to three months maximum per policy. The short term health insurance plans now last for up to 12 months and, in some cases, may be renewed for up to 36 months. For many, this is a welcome decision
Seniors May Need To Pay Back Medicare Premiums Kaiser Health News reported yesterday that a processing error at the Social Security Administration is causing major problems for about 250,000 Medicare Consumers. According to the article, the error occurred in January. The problem is that the premiums for some Medicare Advantage and Medicare Prescription Drug Plans (Medicare Part C and D) were not withheld from the Social Security Checks. The Social Security Administration (SSA) said that
The New York Times reported yesterday that there were 41 new cases of the Measles last week in the United States. That means that this year the outbreak has stretched to 981 cases. According to the Times, that means this is the worst outbreak since 1992. The outbreak has now spread to 26 states across the country. According to the Center for Disease Control (CDC), measles had been declared to be eliminated in the United
When we start working with a consumer to try and find the best insurance option for them the question “What is an HMO?” always seems to come up. HMO stands for Health Maintenance Organization. So what does this mean exactly? In an HMO you have a specific network of doctors, like many network types, but unlike networks such as a PPO, you may only go to network providers. If you go to a doctor that is not
What is it? Over the last few weeks and months, you have heard politicians touting a plan called “Medicare for All.” There is a lot of confusion about what this is so we want to make you aware of some of the important details about this plan, and some misinformation that is being touted about the plan. Here are some?promises that the plan makes. Coverage for all medical services, including hearing, vision, and dental, that
The New York Times is reporting that the challenge to the ruling condemning the Affordable Care Act (Obamacare) will have a court date of July 9th. In December 2018, Judge Reed O’Connor ruled that after the appeal of the individual mandate the entire ACA was unconstitutional. Several states have appealed. Not much news has happened since the late 2018 ruling. This is the first big step that has taken place since the law was struck
Often times I hear complaints about an ACA Marketplace Plan stating that it did not cover an OBGYN visit. The question that comes is, “I thought these visits are covered because of Obamacare?” The short answer is, they are. However, there are some rules that you need to know about regarding whether or not a visit is covered as free/preventative under the Affordable Care Act. Mammograms are only covered for women who are over the
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
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
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
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