National Nutrition Month focuses on the importance of making informed food choices and developing sound eating and physical activity habits. Check out these great ways to get involved!
Glaucoma Awareness Month
Don’t “overlook” eye health! January is recognized each year as Glaucoma Awareness Month. This age-related eye disease impacts the lives of nearly 3 million Americans over the age of 40. Read the article!
Open Enrollment
Open Enrollment periods for the Affordable Health Care Act and Medicare open soon! Call your InsuranceExperts.team member to shorten your learning curve and navigate the options.
Do You Need Critical Care Coverage?
Now what? Linda, age 45 has been diagnosed with a critical illness.
Linda, a very successful realtor, was suddenly diagnosed with cancer. This was very
unexpected as she had no family history of cancer. After surgery, she had to undergo
chemotherapy for six months. During that time, she was unable to work.
Fortunately, Linda at age 40, had purchased a $100,000 Critical Illness policy that
provided a lump sum benefit of $100,000 that she was able to use to cover lost wages and
even for an experimental cancer treatment.
This type of policy will also cover a medically induced coma for certain conditions such
as complications that accompany COVID-19.
Another type of critical illness is heart disease. Read more about preventing heart
disease at any age here.
Even the best health insurance may leave you with deductible and out-of-pocket costs
to meet. They are, regretfully, more common than we would like to think. Nobody can truly plan for a critical illness. However, you can prepare with reasonable actions for the unexpected. Call me today for a quote and details.
COBRA or an Affordable Care Act plan… which one is best for you?
If you have recently lost your employer group health insurance, you may be given the opportunity to participate in COBRA which will allow you to continue with the employer group plan. However, it will be at a cost of approximately 50% more than the premium you paid while employed. Rather than accepting a premium you may not be able to afford, you have the option to choose an Affordable Care Act plan and may even qualify for a subsidy which reduces your premium.
For example, there is a gentleman who lost his job in May and his COBRA was going to be $700/month. Due to his lost wages, he qualified for a subsidized Affordable Care Act plan with a monthly premium of $160 and added a supplemental plan with a monthly premium of $140 to cover his $8,000 deductible. His total monthly premium is $300/month for a savings of $400/month from his COBRA plan.
I can help you through the maze of health insurance choices. There is no cost for my services and my goal is to create a health insurance portfolio of services that fit your needs and budget. Contact me today.
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