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What Do We Do Now?

Many of us have received our pink slips from BlueCross notifying us that our individual/family medical coverage will not be renewed for January 1, 2018. Others of us have not yet been mailed notification from our health insurance carriers, but we know the handwriting is on the wall until the federal government takes action to […]

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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 supplement […]

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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 coverage at a significant discount through the Marketplace Exchange program which […]

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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 compliance audits and we are all at […]

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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 for the January 1 Open Enrollment. Although I have no crystal ball, I think […]

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Individual Health Insurance Update: 2017

Many people have been disappointed and angry about the direction individual health insurance coverage has gone.  Promises of being able to keep what we had if we liked our plans and indications that premiums would go down have not been kept. Rather, plans have become more restrictive in networks and approved drug lists.  Rates have […]

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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 (also known as Medicare Drug plans) should heed the […]

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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 when their plans make benefit changes and that has become an annual event.  If […]

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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. Since the onset of the Affordable Care Act there have been significant changes […]

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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 who had fortuitously put a GPS […]

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