What Would You Do?…Life Happens
What would you do if you found yourself unable to work due to a critical, chronic or terminal illness? Do you have the financial resources to cover your lost wages, unexpected medical expenses, your mortgage or sustain your children's college fund.
You can have peace of mind with a Living Benefit Life Insurance plan. Many people are new to this type of life insurance and when they discover it, they are quick to agree that it is a perfect economical option to financially protect their family.
How does it work? A Living Benefit policy is term life insurance where the insured can access up to 90% of the face value of their policy for medical and/or non-medical expenses while they are living for a critical, chronic or terminal illness. What is not used as a living benefit remains as a death benefit
Watch these Living Benefit Life Insurance video testimonials and contact me for a more information and a premium quote.
I Have Your Solution to Obama Care
So it is clear that we are not going to get a repeal nor replace to Obama Care this year and they will have higher premiums than last year. NO WORRIES, I have your solution to Obama Care that won’t break the bank! We just introduced a new plan for people with pre-existing conditions…I have a solution for everyone. Please don’t go uninsured because you don’t think you can’t afford it. Contact me to see how you can have a permanent health insurance plan, zero deductible, nation-wide PPO network, and no premium increases.
Simple Comparison ObamaCare vs. Republican Plan
Obamacare vs Republican plan compared – BBC News
Now, with a governing majority, they’ve had to come up with a replacement plan – a task that has proved much more challenging than they may have imagined.
Here’s a look at some key differences between the existing law, informally known as Obamacare, and the American Health Care Act, crafted by the Trump administration and Republican leadership in the House of Representatives.
Repeal…Individual Mandate
Obamacare: All Americans are required to have health insurance or pay a tax penalty.
Republican plan: The mandate is repealed, but individuals who forgo health insurance for
more than 63 days must pay a 30% surcharge on their insurance premiums for a year.
Repeal…Employer Mandate
Obamacare: Companies with more than 50 employees are required to offer health insurance or pay a penalty.
Republican plan: This mandate is repealed.
Repeal…Taxes
Obamacare: Raised Medicare taxes on the wealthy and imposed new taxes on medical
devices, health insurers, drug companies, investment income, tanning salons and high-end health insurance plans.
Republican plan: Repeals most Obamacare taxes and delays implementation of the tax on
high-end health insurance plans to 2026.
Keep…Insurance for Dependents
Obamacare: Requires insurers to allow children under age 26 to be covered by their parents’ policies
Republican plan: Maintains this requirement.
Change…Essential health benefits
Obamacare: Requires all insurance plans to cover certain health conditions and services,
such as emergency room visits, cancer treatment, annual physical exams, prescription drug costs and mental health counselling.
Republican plan: Allows states to define what benefits are mandated or opt out of the
requirement entirely.
Change…Pre-existing condition coverage
Obamacare: Prohibits insurers from denying coverage or charging more to individuals who have pre-existing medical conditions.
Republican plan: States can let insurers charge as much as they like to sick people.
Allocates $8 billion to help subsidize those patients.
Change…Medicaid
Obamacare: Expanded Medicaid health insurance for the poor to cover more low-income
individuals.
Republican plan: Phases out Medicaid expansion to reduce federal funding on the
program by $88O billion over the next decade, and gives states greater flexibility in
administering the program in exchange for fixed federal spending.
Change…Women’s healthcare
Obamacare: lnsurance companies prohibited from charging women more than men for the same health plan and must provide core services including maternity care and contraceptives.
Republican plan: lnsurance companies still be banned from charging women more, but states could allow insurers to drop maternity care and contraceptives from basic benefits. Also bans women from using federal tax credits to buy a plan that covers abortion.
Change…Older Americans
Obamacare: lnsurers can charge older Americans no more than three times the cost for
younger Americans
Republican plan: lnsurers can charge older Americans five times as much as younger
Americans. States would also be able to set their own ratio.
Change…Subsidies
Obamacare: Provided refundable tax credits for low-income individuals who purchased their insurance on government-run marketplaces and support for some out-of-pocket medical expenses.
Republican plan: Alters formula for tax credits, which will expand the benefit to more middleclass Americans but probably raise the costs for some elderly and less-affluent individuals.
How to Correct Errors in Your Medical Records
Updated March 23, 2017
By law, you have the right to correct errors you find in your medical records. Those corrections are referred to in the law as “amendments.” The records themselves are called a “designated record set.”
In particular, as medical records are transferred from paper to digital, there are any number of mistakes that are being made. Your review and correction is definitely warranted.
Once you have obtained, then reviewed your medical records and have found an error, you’ll want to follow this procedure:
1. Determine exactly what the error is and whether it needs correcting. Sometimes errors are simply typographical and may or may not require correction. However, any piece of information that will have an effect on your diagnosis, treatment, or ability to be contacted, whether it can affect you or your health today or in the future, should be corrected. Further, problems with medical identity theft are on the rise, so information that regards payment, billing or your personal identity should be corrected.
Here are some examples:
- If any medical test results, symptoms or treatment decisions are recorded incorrectly, they should be corrected immediately. Your care and future health could hinge on their accuracy.
- If your phone number is incorrect, you’ll want to make sure it gets corrected immediately. Failure to do so will result in the wrong information being replicated.
- If the record says your appointment was at 2 p.m., but you never saw the doctor until 3:30 p.m., that may not have any bearing on your future health or billing information needs.
