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Compliance Is Not An “Option”

Now that we know that there will not be a swift dismantling of the Affordable Care Act I believe it is time to address the compliance issues currently facing all employers who offer benefits to their employees. The DOL is rumored to have plans to conduct more ERISA...

What Do We Do Now?

As economic uncertainty puts many of our jobs at risk, health insurance coverage has become a major concern.  Some of us are fortunate enough to have continued coverage provided by our employers even if we are being furloughed or having our hours reduced. ...

10,000 A Day

Every day 10,000 of us turn 65 and, whether we continue to work or not, we need to address our Medicare eligibility.  Should we enroll in Medicare or not?  If we enroll, do we enroll for all of the letters (A, B, C, D) or just some of them?  Do we enroll in a Medicare...

ACA Light

Currently not all employers can afford to provide health insurance to their employees and not all employees can afford to pay their share of the premium for coverage when it is offered. Add to that the following: some employees qualify for individual health insurance...

The Lull Before The Storm

  We have received many questions about the changes that will occur in health insurance coverage with the change in the Administration.  People are most afraid of pre-existing conditions clauses re-applying and they are trying to make the best decisions possible...

Medicare Open Enrollment is Coming Again!!!

Saturday, October 15 marks the start of the 2017 Medicare Open Enrollment period, but what does this really mean? All individuals who are enrolled in Medicare Part C plans (also known as Medicare Advantage plans) and / or who are enrolled in Medicare Part D plans...

My Health Insurance is Being Cancelled!!!

A lot of Americans have already received letters notifying them that their health insurance plans are being cancelled and many more will receive notification very soon. So, what’s going on??? Under the ACA guidelines insurance companies are required to notify insureds...

What Is On The Horizon?

Most of us have health insurance through one of three major channels: employer based coverage, Medicare or individually contracted coverage.  Today we will focus on the last group: those who must seek out and enroll in coverage directly with an insurance carrier....

I Should Have Known

A friend of mine recently told me about the woman who lived next door to him and it brought back painful memories and some questions with which I continue to struggle. It seems that this woman, who lived alone, was discovered walking along a busy highway by her son...