Category: Open Enrollment

Open Enrollment Ends in 11 Days!

12/4/2019

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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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.

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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Open Enrollment 2019

10/3/2018

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Open Enrollment for Individuals starts
November 1, 2018 & ends December 15, 2018.

schedule your appointment

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

2019 estimated household income. Make sure to include every person that is on your tax return.
Married? As a reminder, you must file a joint tax return with your spouse.
Does your employer or your spouse's employer offer group health insurance? If so, what is the cost for the employee only coverage?
Have you filed your 2017 tax return? Your 2017 taxes MUST have been filed to qualify for a tax credit in 2019.
Does your income fall between 138% and 400% of the FPL (below) according to your tax size household?

HERE ARE THE OPTIONS THIS YEAR

MARKETPLACE (ACA) PLANS

Pre-existing conditions covered
Guaranteed Issue (No underwriting required)
Tax Credits available for those who qualify

HEALTH CARE MINISTRY SHARING PLANS

Substantial cost savings (40%-60%)
Alternative to traditional insurance - these are NOT insurance plans

ACCIDENT/CRITICAL ILLNESS GAP PLANS

Bridge the gap in the high deductible plans

SHORT TERM PLANS

Substantial cost savings (40%-60%)
Scaled down coverage without all of the ACA requirements (maternity, preventative, etc.)
Great for those who are super healthy and not concerned with covering pre-existing conditions

HUSBAND/WIFE GROUP PLANS

Pre-existing conditions covered
Guaranteed Issue (No underwriting required)
More cost effective than Individual plans
Affordable PPO network options available

WARNING:

DO NOT GO TO HEALTHCARE.GOV ALONE

Health Insurance is so complicated and confusing. If done wrong, it WILL mess you up for the rest of the year. Please let our team of professionals help guide you to the best option for you and your family at NO ADDITIONAL COST to you.

schedule your appointment

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Stay up to date

Open Enrollment Ends in 11 Days!

Miscommunication Between Blue Cross & The Marketplace

Open Enrollment 2019

Open Enrollment for Individuals starts
November 1, 2018 & ends December 15, 2018.

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

HERE ARE THE OPTIONS THIS YEAR

MARKETPLACE (ACA) PLANS

HEALTH CARE MINISTRY SHARING PLANS

ACCIDENT/CRITICAL ILLNESS GAP PLANS

SHORT TERM PLANS

HUSBAND/WIFE GROUP PLANS

WARNING:

DO NOT GO TO HEALTHCARE.GOV ALONE

Archives

Categories

Stay up to date

Open Enrollment Ends in 11 Days!

Miscommunication Between Blue Cross & The Marketplace

Open Enrollment 2019

​Open Enrollment for Individuals starts ​November 1, 2018 & ends December 15, 2018.

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

HERE ARE THE OPTIONS THIS YEAR

MARKETPLACE (ACA) PLANS

HEALTH CARE MINISTRY SHARING PLANS

ACCIDENT/CRITICAL ILLNESS GAP PLANS

SHORT TERM PLANS

HUSBAND/WIFE GROUP PLANS

WARNING:

DO NOT GO TO HEALTHCARE.GOV ALONE

Archives

Categories

Open Enrollment for Individuals starts
November 1, 2018 & ends December 15, 2018.

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