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.
Stroke Awareness Month – Women and Stroke Risk
1 in 5 women in the United States will have a stroke in her lifetime. Stroke kills twice as many women as breast cancer does, making it the fourth leading cause of death for women. May is stroke awareness month. Read more here…
Zoom-along through COVID-19
During this time of social distancing, I can help you with health insurance needs from ages 2 to 102 in a Zoom online appointment. You will be able to see exactly what you would if we were to meet in person. I can help you, or others you know, who are:
• Recently unemployed and want to save hundreds of dollars off COBRA premiums
• Starting a small business
• Going through any other life transitions
• Wanting to look at different options
I represent all the major health insurance carriers and together, we can create a comprehensive health insurance solution to fit your budget.
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