This morning Seth Godin explained in few words what I have been trying to tell clients for years about health insurance. Often people hedge their bet against something bad happening; they are willing to spend more to cover the things they imagine might happen. But, this is a huge waste of money if they have a healthy year, sometimes a difference of hundreds of dollars a month.
Open Enrollment ended February 15th for ACA plans (Obamacare). What this means is that right now you can’t sign up for an individual health insurance plan until the next Open Enrollment period, which starts in November for coverage beginning in January. That is, unless you qualify for a Special Enrollment Period.
Affordable Care Act (or Obamacare) plans must have essential health benefits in order to comply with the new law. Unless your plan is grandfathered, it needs to contain these items. The essential health benefits include at least the following items and services: * Ambulatory patient services (outpatient care you get Read more…
Healthcare reform (also referred to as Obamacare or the Affordable Care Act) has cheerleaders and it has detractors but there is one constant – it is long (at last check, 13,000 pages), and it is confusing. Lately, I’ve been spending a lot of time getting educated on the new healthcare Read more…
You are self-employed and need health insurance. So where do you start? It’s not as difficult to find a solution as you might think. There are several good insurance carriers out there and most of them offer individual insurance products. Each company’s product may resemble the other products available but there Read more…
Healthcare Reform is all the rage. It’s also known as The Patient and Protection Affordable Care Act or PPACA (the joke is that PPACA is like an alpaca but less warm and fuzzy). But what is it and how does it affect you? It was enacted in 2010 and came Read more…
This is an article that I wrote for the Nashville Business Journal Annual health insurance premium increases are leading employers to look for creative ways to reduce their costs. Predicted rate increases in 2013 are smaller than in recent years, but any increase takes its toll, sometimes even making employers Read more…
This is an article I wrote for the Nashville Chamber‘s newsletter “HR Notes” It’s open enrollment time, and for some HR managers it’s about as fun to look forward to as a root canal. But putting it off won’t help. In fact, it can make the whole process even worse Read more…
If you are looking for benefits for your company, don’t look anywhere else. I will help you put together a group health insurance plan that best fits your needs. You might be looking to set something up for the first time or fix the plan you already have. Either way I can Read more…
Why do I sell insurance? What makes me different? Here are some thoughts. Why I do it I never imagined that I would enjoy the insurance business. What I did know when I started was that I liked helping people, solving problems, being independent, and working close to where I Read more…