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Open Enrollment 2022

10/12/2021

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PLEASE MAKE SURE TO SCHEDULE YOUR APPOINTMENT OR FILL OUT OUR ONLINE QUESTIONNAIRE SO THAT WE CAN UPDATE YOUR APPLICATION FOR 2022.

​IF YOU HAVE RECEIVED A NOTICE OF PREMIUM INCREASE FROM BLUE CROSS IT MAY NOT BE ACCURATE. THE INCREASES ARE BASED ON YOUR 2021 INFORMATION.
New Client Form
Existing Client Form

OPEN ENROLLMENT 

The 2022 Open Enrollment period for Individuals purchasing health insurance is
November 1st, 2021, - December 15th, 2021
MAKE AN APPOINTMENT

HERE ARE A FEW THINGS YOU WILL NEED TO HAVE PREPARED:

  • 2022 estimated household income. Make sure to include every person that is on your tax return. W2 salary, Self-Employed salary, Retirement, Social Security, Investment Income, etc. 
  • Who will you claim on your 2022 tax return? Spouse? Children? Step-Children?
  • Married? As a reminder, you must file a joint tax return with your spouse to get the tax credit.
  • Does your employer or spouse's employer offer group health insurance? If so, what is the cost of the employee-only coverage?

IF YOU DON'T QUALIFY FOR A SUBSIDY

SUPER HEALTHY & DON'T NEED COVERAGE FOR PRE-EXISTING CONDITIONS
  • Short Term Medical Insurance
  • Health Care Sharing Plans (Faith-Based Sharing Options)
NEED PRE-EXISTING CONDITIONS COVERED OR A GUARANTEED ISSUE PLAN
  • If you need pre-existing coverage, your only option is an ACA plan or group plan
  • Husband / Wife Group plans with qualifying LLC
HUSBAND/WIFE GROUP PLANS
  • Do you own a business? An LLC? If you and your spouse are named on the Business Paperwork as co-owners, managers, or members of the LLC, and at least one of you are on payroll, we can discuss a Group Plan for you.

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DO NOT GO TO HEALTHCARE.GOV ALONE!

Health Insurance is complicated and confusing, and if done wrong, it has the potential to cause chaos for you and your family. Our services are FREE and our agency is among the ELITE Circle of Champions with HealthCare.gov so please let our team of professionals help guide you to the best option for you and your family. Plus, you have access to us all year long! We help with everything and we're happy to do so!

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If you've ever visited our office, there's no doubt you've met our furry mascots. Even if you've only called in, we are sure you've heard them over the phone. But, have you met the newest member of the Insurance Lady family, Blakely Rivers? Insurance-Baby-In-Training to take over the insurance business! Please give us grace this year, as she will be joining us for Open Enrollment. She even has her own nursery in the office!
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"Cracking open a bottle after a long hard day at work - Open Enrollment can be stressful"
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"Just learned to type - now I just need to learn how to spell"
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2021 Open Enrollment

10/30/2020

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This is not directed toward Medicare/ Medicare supplement clients or those on an employer sponsored/group plan.
Open Enrollment Questionnaire
Schedule your appointment
***Please make sure to set your appointment or fill out our online questionnaire so that we can update your application. 

​Note: Many clients are receiving information from Blue Cross about 2021 premiums for their current plan. Any premium increase they send you is based off of your 2020 information. The rate increase they are sending may not be accurate.***

Remember: The 2021 Open Enrollment period for Individuals purchasing health insurance (outside of an employer) is  November 1, 2020 through December 15, 2020


Here are a few things you will need you to have prepared for our phone call appointment:
  • 2020 estimated household income. Make sure to include every person that is on your tax return. W2 salary, Self-Employed salary, Retirement, Social Security, Investment Income, etc. 
  • Who will you claim on your 2020 tax return? Spouse? Children? Step-Children?
  • Married? As a reminder, you must file a joint tax return with your spouse to get the tax credit.
  • Does your employer or spouse's employer offer group health insurance? If so, what is the cost for the employee only coverage?
  • ​Does your income fall between 138% and 400% of the FPL (below) according to your tax size household?
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WHAT IF YOU DON'T QUALIFY FOR A SUBSIDY (TAX CREDIT)?

If you don't have access to employer sponsored insurance and don't qualify for a subsidy, we can discuss a few other options to avoid the high cost of those ACA plans.
Super Healthy and don't need coverage for Pre-Existing Conditions?
  • Short Term Medical Insurance
  • Health Care Sharing Plans (Faith Based Sharing Options)
Need Pre-Existing Coverage or Guaranteed Issue Plans?
  • If you need pre-existing coverage, your only option is an ACA plan or group plan
  • Husband / Wife Group plans with qualifying LLC
Husband/Wife Group Plans
Do you own a business? An LLC? If you and your spouse are named on the Business Paperwork as co-owners, managers or members of the LLC, we can discuss a Group Plan for you.

WARNING

Do not go to Healthcare.gov alone!

Health Insurance is complicated and confusing, and if done wrong, it has the potential to cause chaos for you and your family. Our services are FREE and our agency is among the ELITE Circle of Champions with HealthCare.gov so please let our team of professionals help guide you to the best option for you and your family. Plus, you have access to us all year long! We help with everything and we're happy to do so!
Open Enrollment Questionnaire
Schedule your appointment
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Blue Cross Enrollment for Employees Who Previously Waived Coverage

3/24/2020

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Blue Cross Enrollment for Employees Who Previously Waived Coverage

Blue Cross will allow a medical, dental and vision group special enrollment period (SEP) for fully insured and small business funding groups choosing to participate. This SEP event is in light of the COVID-19 pandemic and is intended to allow employees on groups to enroll that are not currently serving a group established eligibility waiting period and had previously waived group coverage.
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Here are the details:

  • The SEP will be for an April 1, 2020, effective date.
  • The enrollment period will be open for requests received between March 24, 2020 and April 3, 2020.
  • Enrollment requests must be managed through the group as the group must choose to participate (no formal notification to Blue Cross is needed) and must approve of all eligibility changes as such changes affect employer contributions, payroll deductions, etc. (payroll records are not required).
  • Employees serving the group established eligibility waiting period are not eligible to enroll. Employees that had previously waived coverage only are eligible to enroll.
  • Currently enrolled employees can use this period to add eligible dependents if desired.
  • This SEP event is open to all fully insured and SBF groups regardless of size. If the group wishes to participate, all they need to do is send in approved applications. Medical, dental and vision change cards to add dependents and/or new enrolling applications do not need the applicant’s signature. No further action is needed.
  • This SEP event does not apply to life and disability products.

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Open Enrollment Ends in 11 Days!

12/4/2019

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Just 11 days away! If you have not made your Open Enrollment appointment or finished your 2020 insurance enrollment with us, you are running out of time! 

​To help us out, please send us your best estimate for your 2020 household income so we can get updated rates to you and help you with your 2020 plan selection.
MAKE YOUR APPOINTMENT

D O   Y O U   Q U A L I F Y   F O R   A.  T A X   C R E D I T  ?
Here are a few of the rules:
  • You must file a 2020 tax return
  • You cannot be offered group health insurance through your employer or a spouse’s employer
  • If married, you must file MARRIED FILING JOINTLY
  • For your household size, you must make above the 138% income and below the 400% income shown below
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2020 Open Enrollment

11/1/2019

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***Please make sure to set your appointment so that we can update your application. The premium increase from Blue Cross is too high, we can help lower it!***


Remember: The 2020 Open Enrollment period for Individuals purchasing health insurance (outside of an employer) is November 1, 2019 through December 15, 2019

Here are a few things you will need you to have prepared for our phone call appointment:

  • 2020 estimated household income. Make sure to include every person that is on your tax return. W2 salary, Self-Employed salary, Retirement, Social Security, Investment Income, etc. 
  • Who will you claim on your 2020 tax return? Spouse? Children? Step-Children?
  • Married? As a reminder, you must file a joint tax return with your spouse to get the tax credit.
  • Does your employer or spouse's employer offer group health insurance? If so, what is the cost for the employee only coverage?
  • ​Does your income fall between 138% and 400% of the FPL (below) according to your tax size household?
Picture

WHAT IF YOU DON'T QUALIFY FOR A SUBSIDY (TAX CREDIT)?

If you don't have access to employer sponsored insurance and don't qualify for a subsidy, we can discuss a few other options to avoid the high cost of those ACA plans.
Super Healthy and don't need coverage for Pre-Existing Conditions?
  • Short Term Medical Insurance
  • Health Care Sharing Plans (Faith Based Sharing Options)
Need Pre-Existing Coverage or Guaranteed Issue Plans?
  • If you need pre-existing coverage, your only option is an ACA plan or group plan
  • Husband / Wife Group plans with qualifying LLC
Husband / Wife Group Plans
Do you own a business? An LLC? If you and your spouse are named on the Business Paperwork as co-owners, managers or members of the LLC, we can discuss a Group Plan for you.

WARNING
​ Do not go to Healthcare.gov alone!

Health Insurance is complicated and confusing, and if done wrong, it has the potential to cause chaos for you and your family. Our services are FREE and our agency is among the ELITE Circle of Champions with HealthCare.gov so please let our team of professionals help guide you to the best option for you and your family. Plus, you have access to us all year long! We help with everything and we're happy to do so!
SCHEDULE YOUR APPOINTMENT
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Humana Go365 Premium Discounts

7/16/2019

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​Humana's Wellness Engagement Incentive (WEI)

Humana’s Wellness Engagement Incentive (WEI) Recognition Program automatically earns premium credits for fully insured and Level Funded Premium (LFP) groups with fewer than 100 employees based on their engagement in Go365®.
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​Humana's Wellness Premium Discount (WPD)

For fully insured groups with more than 100 employees, they’re automatically eligible for Humana’s Wellness Premium Discount (WPD). Through this discount program, groups can earn up to 8% discounts on their medical renewal rates as more of their employees reach Silver, Gold, or Platinum Status in Go365.
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7% premium credit for each Silver employee

Through the WEI, these groups can earn A 7% premium credit for each employee who reaches Silver Status and a 15% premium credit for each employee who reaches Gold Status or higher. This video shows how easy it can be for employees to reach Silver Status in Go365 and start earning premium discounts.
WEI Program
WPD Program
WATCH go365

Learn more about Go365

Humana go365 Program
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Louisiana Insurance Commissioner Issues Cease and Desist Order to United HealthCare for Intention to Omit Producer Commissions in Louisiana

5/31/2019

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Insurance Commissioner Jim Donelon issued a cease and desist order today to United HealthCare Services, Inc. and/or UnitedHealthcare Insurance Company, its subsidiaries and affiliates (collectively hereafter referred to as “United”) for their intention to implement the removal of producer commissions from upcoming renewals of certain group health insurance products. 

“In reviewing this situation I found it necessary to order the company to stop all efforts to implement such policy and to revise all applicable schedules of commissions and relevant rate and form filings to appropriately reflect the full commission payment required by law,” Commissioner Donelon stated. “This action is meant to both protect Louisiana’s health insurance producers who are due compensation and preserve our authority in making sure insurers writing in Louisiana are in compliance with our laws.”

The Louisiana Department of Insurance (LDI) was contacted in May by numerous producers who indicated that they had been notified of United’s intention to implement a zero-dollar schedule of commissions applicable to all policies sold to groups of greater than 100 insureds with an effective date on or after September 1, 2019. Accompanying this notification was an inducement to work with United and affected insureds to negotiate a “replacement” agency fee to be paid by the insured to the producer and an offer by United to facilitate this payment.

According to insurancenewsnet.com Health Agents for America President/CEO, Ronnell Nolan said, “It’s really appalling because our members have been fighting to get paid, and that bill is important. Lowering health care costs is what we want for our clients. But our members aren’t getting commissions on the individual market and UnitedHealthcare is not even paying for groups of 50 and above. So how can anybody point the arrow toward our members and say we’re part of the problem? We’re not part of the problem. Agents have been losing money since the passage of the ACA."

Read More
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Tax Credit Review

5/29/2019

1 Comment

 
We are about half way through this year already! We just wanted to touch base with you and make sure that you are en route to make the 2019 income we estimated during Open Enrollment last year. Below you will see the absolute MOST you can make per household size in order to prevent owing back your entire tax credit when you file your 2019 taxes.

Maximum Annual Income to Receive a Marketplace Tax Credit

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IF YOU THINK YOU WILL MAKE MORE THAN THE ALLOWED AMOUNT FOR YOUR HOUSEHOLD SIZE:

We NEED to make changes to the amount of tax credit you are accepting per month so that you DON'T owe it back in a lump sum at the end of the year when you file your taxes.
Please let us know where you stand in relation to the chart and please tell us if we need to make changes!
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Trish Freeman Interviewed by CNN on Short Term plans for 2019

12/11/2018

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Trish had the opportunity to speak with CNN reporter, Tami Luhby, on the large number of clients switching from ACA plans to Short Term plans for 2019 and the difficulty most people are having getting through the underwriting process for these plans.
Now that they won't be subject to a penalty, some of Trish Freeman's clients are more open to short-term plans. The Gonzales, La., agent is selling more of them this fall, though only to those with clean health histories. 
But It can more difficult to get approved these days, she said. That's because more people gained coverage under Obamacare and went to the doctor, so they are more likely to have medical issues diagnosed.

"You have to be super, super, super healthy to get through," said Freeman, who is executive vice president of Health Agents for America, an industry group.

- CNN
READ THE FULL ARTICLE HERE
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Miscommunication Between Blue Cross & The Marketplace

11/30/2018

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After having to break the news to 100's of clients, we thought it may be easier to send out an email to everyone.
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Blue Cross is sending out notices that your premiums are going down… and for some this is true. However, for most everyone this is not 100% accurate. If you currently have a subsidy from Healthcare.gov, Blue Cross did not factor in the CHANGE in your subsidy this year. The premiums are calculated on the 2018 subsidy and what we are finding is that 2019 subsidies are going down.
When something seems too good to be true it's because it probably is.
​- Wise moms everywhere
We hate to be the ones to break the bad news to you but wouldn’t you rather know the truth and pay the correct premiums now vs. owing back the subsidy during tax season 2020? I love surprises but not the ones that hit my pocketbook a year later.
​

We know you trust us and hope all of you know and understand we are just looking out for you. Please, please call to schedule your appointment with us today. 
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    • Health >
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        • Employee Retention Credit
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      • Medi-Share Christian Ministry Sharing
      • Medicare Supplements
      • Travel Medical Insurance
      • Medical Tourism
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