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Affordable Health Insurance

How Big Pharma Works - Why Americans are Angry and Why We Should All be Fighting for Healthcare Reform

Jun 25 2017 - 3:35pm
Map of World using drugs

If you live in the United States you must understand our current medical system and I do not mean the Affordable Care Act, but simply how Big Pharma works and why Americans are angry and why we should all be fighting for healthcare reform.

"The FDA does not require a drug company to know how a drug works," says Erland Stevens, Davison College, Department of Medicinal Chemistry.

31 Medical Conditions That Are Considered Pre-Existing and Used To Be Denied Coverage

May 10 2017 - 4:58pm
Examples and list of pre-existing medical conditions

We hear a lot about pre-existing medical conditions that are covered or not covered by health insurance plans, but what are those? I had a wow moment when I saw this list of pre-existing medical conditions that I had no idea were considered pre-exsiting.

When it comes to examples of pre-existing medical conditions a lot depends on the health insurance provider. Apparently they have the right to choose, accept or deny what counts as pre-existing.

Benefits of Repealing Obamacare According to Heartland Experts

May 4 2017 - 5:41pm
Obamacare Repealed

The U.S. House of Representatives today voted 217–213 to pass the American Health Care Act (AHCA). The bill repeals and replaces the Affordable Care Act, or Obamacare, which has been in effect since 2010. What are some of the benefits of repealing Obamacare? Heartland Institute experts discuss how this bill benefits nation's spending and free market.

Among other things, the AHCA, crafted by the House Republican Caucus, eliminates all of the taxes in Obamacare, eliminates the individual and employer mandate penalties, guarantees coverage to Amer

What Do Doctors and PhDs Say About Repealing and Replacing Obamacare

Mar 8 2017 - 9:48am
repealing obamacare

Heartland Institute Experts React to GOP Obamacare Reform Bill sharing advice on repealing and replacing Obamacare saying the Republican health insurance plan is a start toward a better way. The following is released by the Heartland Institute.

The House Republicans on Monday released their plan to reform the Affordable Care Act (ACA), also known as Obamacare.

Trump's Obamacare Decimation Is Drawing Near, California Considering Their Own Insurance System

Feb 26 2017 - 7:10pm
healthcare, obamacare, trump

March is almost here, and President Trump has declared the upcoming month as the end for Obamacare. Here's what California might be planning.

President Trump has been all about image. When he says he's going to do something, he'll try to do it to protect his reputation.

Is Money Affecting Your Doctor's Care? How to Choose the Right Doctor for You

Sep 27 2016 - 10:06pm
money and doctor's care

Does money affect your doctor's care? If your long-time doctor is retiring or you're moving to another state, here are some tips to help you find a good doctor.

When you go to your doctor, you'll always see welcoming smiles from him and the nurses. But do their courteous and caring mannerisms reflect the level of care you're really getting?

The Touching Story of an Ice Cream Man and How Healthcare Costs Can Be Lowered

Sep 14 2016 - 1:57pm
ice creamman and healthcare

Have you heard the touching story of the ice cream man from Chicago? His story moved one customer, who raised $250,000 for his healthcare and retirement funds. Researchers are also trying to lower healthcare costs to help those with unmet medical needs.

Since 1990, Fidencio Sanchez has been selling popsicles year round, pushing a heavy freezer cart and ringing

The Three-Way Call: The Biggest Time Waster for FFM Agents

Oct 9 2015 - 12:34pm
Health Insurance Agents

It’s funny how the Federally Facilitated Marketplace is connected with all the government agencies and can verify information such as income, immigration status and many other things. CMS has an authorized list of agents and health insurance brokers who are certified to sell insurance using the Marketplace. Despite this fact they still force agents to do a three-way call with their client on the phone in order to be able to provide assistance.

Why is this a problem?

5 Reasons Why You Should Use An Agent To Purchase Health Insurance

Oct 9 2015 - 12:30pm
Health Insurance Agent

Since the Affordable Care Act began there has not been a lot of engagement with insurance agents. When they are mentioned they are most often portrayed as commission hungry vultures looking for victims to put in any insurance plan that that will benefit them the most monetarily. While that is the opinion of many it’s not reality.

There are many factors that an agent has to consider before recommending an insurance plan to a consumer. Are the client’s doctors and medications in the plan?

Alternatives and ways to save on health insurance in 2016

Oct 9 2015 - 12:00pm
Save on health insurance

Health insurance is too expensive. Why should I pay for a service that I do not even use? Is there any way I can bypass Obamacare and not have to pay the penalty? Are there any alternatives?
These are questions and concerns that many people have had. True when you compare health insurance to other types of insurance it is expensive. What most people do not realize is it is much less expensive that the cost of a hospital stay. Today with the Affordable Care Act in place many people are eligible to receive help paying their premiums. If you qualify and do not mind your health insurance being tied to your taxes, which has been problematic for some, by all means apply using the Health Insurance Marketplace in your state.

Why should you pay for a service that you do not even use? One example is we all pay into the social security system.

2 New Gifts From The Feds For Health Insurance Agents On The Exchange

Oct 8 2015 - 12:12pm
Health Insurance Agents

The health insurance exchanges have now been in operation for two years and is about to begin its third season in less than two months. For agents working on the Federal Exchange Things will be a little different this year. Only time will tell if these changes will turn into a blessing or a curse.

1. FFM agents now have four options to get their training to be certified to sell health insurance on the federal exchange. They can go directly with CMS Enterprise Portal. This course is free.

Six things you must know about your Medicare Advantage Plan

May 20 2015 - 9:33pm
Taking charge of your health means knowing what your Medicare Advantage plan covers

What don’t you know about your own Medicare supplement that can end up costing you or helping you in the long-run? Here are six things you need to know about your Medicare Advantage health plan that surprisingly few people take time to explore.

It is surprising how many Medicare Advantage plan members know little about their health insurance coverage and benefits.

Kaiser Cancelled Me But My Payments Are Up To Date

Apr 23 2015 - 10:23am
Health care coverage

I have been certified to work with the health insurance exchanges for two years in both Maryland and the state of Virginia. I have signed people up with 4 of the major companies in our area over the course of the past 2 years. I’ve had good and bad experiences with resolving client issues. This article will highlight a problem that I have found with one of the major companies in my area.

The goal of this article is not to criticize the company but to inform the public of an ongoing problem that needs to be addressed.

Why I will not purchase health insurance through the exchange

Apr 3 2015 - 5:32pm

Health insurance open enrollment is over. Maybe? For the most part assisting people to sign up for insurance went smoothly except for a few problem cases and system glitches. Overall helping others attempt to solve their issues with the exchanges helped me to make the above decision not to purchase my health insurance through the exchange.

I did sign up for a plan this year but terminated it when my health insurance company informed me that we can keep our plans until September 2017.

My Experience of Using a Health Insurance Web Broker Site

Apr 3 2015 - 5:28pm

Last year was really difficult for many health insurance agents that enrolled consumers using the infamous Although the site was much improved this year I decided well in advance to use a web broker portal to do my exchange enrollments this year.

What attracted me to the idea of using a web broker portal was being able to track all of my business in one place. No Longer Uses Call ID Numbers

Apr 3 2015 - 5:15pm

Last year whenever I called the Federal Exchange on behalf of a client the Customer Service Representative (CSR) after listening to what the problem was, always said, “I can help you but before we continue let me give you the reference number for the call." This year they did not give reference numbers for the calls.

In many instances when I called back about the same issue there were no notes recorded on the case which lead to a lot of repetition.

Do Health Insurance Companies Really Care About Their Agents?

Apr 3 2015 - 5:12pm

This is a question I have asked myself many times since I became ACA certified back in the fall of 2013. Since last year was filled with so much confusion I will give all of the companies a pass on the chaos from last year. My opinion is based solely on my experience from this year. While I have not provided the names of the companies the following accounts will give you an overview of what to expect from a wide range of health insurance companies.

Some companies really seem to value their agents and broker and really seem to respect our time.

Supplemental Insurance Helps Bridge the Health Insurance Coverage Gap

Jan 29 2015 - 6:27pm
Supplemental Health Insurance

During the final weeks of the current open enrollment period, health insurance is at the top-of-mind for individuals of all ages. Seniors and others qualifying for Medicare benefits have been bombarded with mail and TV ads touting comprehensive Medicare Advantage plans, as well as Part D Rx plans and no-network, fee-for-service plans designed to work with traditional Medicare benefits.

At the same time, individuals of all ages who rely on employer healthcare benefits may be faced with increased co-pays, deductibles, and co-insurance out-of-pocket costs, as businesses try to conta

Where Should Families Start to Find Affordable Health Insurance?

Dec 1 2014 - 1:57pm
Health Care

As most people in America now know, if you are 64 or younger, you are subject to the new Affordable Care Act. The marketplace can be difficult to navigate, and most folks who are not savvy about the ins and outs of these new health insurance plans or about the ACA itself may become frustrated by the plethora of information available that is not easily consolidated into an understandable format.

Most folks who find themselves above the 138% federal poverty level (a 2014 annual household income guideline ranging from $16,105/yr. to $55,324/yr.

Three things to do and you're ready for health insurance enrollment

Nov 20 2014 - 9:38am
Signing up for insurance under the Affordable Health Care Act is easier than you might think

Enrolling in health care really is simple. You can go to your insurance agent, insurance company or to the website. There are some things you should know before you enroll. You also should consider why it's important to have health insurance.

You can get help enrolling for an insurance plan under the Affordable Healthcare Act easily. Consumers need to have three things available to make insurance enrollment go smoothly.

How to Prepare for Open Enrollment

Nov 19 2014 - 4:20pm
Health insurance open enrollment

The 2015 Open Enrollment period runs from November 15, 2014 to February 15, 2015. This time frame is your opportunity to get coverage without being charged more for a pre-existing condition, apply for tax subsidies that lower the cost of health insurance, and get guaranteed benefits like prescription drug coverage, preventive services, and emergency care. It’s the time to make sure you and your loved ones have coverage to keep you safe and healthy. Here are the steps you should take to ensure you’re prepared to get the coverage you need.

Review Your Current Health Insurance Plan

The Best Way To Spot a Health Exchange Website Glitch

Nov 18 2014 - 10:22am
Website Glitch

Before a team goes out to play a game all of the members have to show up at practice. When a player does not show up for practice it can affect the performance of the whole team. The coach expects their star players to be present and well equipped come game day. They would never think of locking them in a closet and barring them for practices until the big day arises.

This is what I feel has been done with Health Insurance Open Enrollment for these past two years. The star players who are expected to perform on day one are left out of the equation.

Open Enrollment Day 1: Insurance Agent Web Broker Portals Experiencing Glitches

Nov 18 2014 - 10:13am
Health insurance open enrollment

As I am sitting in the doctor's office waiting for my father to finish cataract surgery on the first day of health insurance Open Enrollment for agents and broker in the state of Maryland I wonder what can I expect.

Although we have seen webinars with the new system the same as last year we the health insurance agents who need to work with client do not get to test the system hands on before we try it out on a

Does the Affordable Healthcare Act Cover the Headaches it's Causing Me?

Nov 13 2014 - 7:10pm

The Affordable Healthcare Act is a health insurance legislation that is well on its way to directly affecting each and every American citizen. It’s astounding, though, that even a year after its initial debut, how little people still actually know about it, its enrollment options, available plans, and the actual cost of it. After days of researching this Affordable Healthcare Act, what it is, and what it means to the American public, I can say that I am not the least bit surprised that such an overwhelming population of people still feel in the dark about it.

Open Enrollment for the Affordable Care Act Begins: 3 Ways to Enroll

Nov 13 2014 - 3:18pm
Health insurance open enrollment

Saturday, November 15th is the first day of open enrollment for the Health Insurance Marketplace. Part of the Affordable Care Act, the Health Insurance Marketplace helps uninsured people find affordable health coverage. Staff and volunteers throughout Orange County are ready to assist people with enrolling in a plan that is right for them.

“I am so proud to be part of this community,” says Sherry Hay, Director of Community Health Initiatives for the Department of Family Medicine at UNC.

To Insure or not to Insure: How does Obamacare Affect You

Nov 13 2014 - 3:03pm
Obamacare Law and Individual Health Insurance

In March of 2010 The Patient Protection and Affordable Care Act (PPACA / Obamacare) was passed and a monumental shift took place in how health insurance is bought and sold in the United States. Since its inception, there has been a contentious debate over the legality of the law and the societal implications that go with it. The PPACA has polarized our country and partisan lines have been drawn.

Regardless of which side of the line you fall on, the reality is that today Obamacare is a law and like every other law, we either obey the law or deal with the consequences of breaking it.