Monthly Archives

January 2016

Don’t be a Do-It-Yourselfer and cobble together Cut-Rate Health Insurance!

By | Group Health Insurance, Health Insurance, Uncategorized

If you are like a lot of hard working Americans and have decided that paying $1,000 or more a month for family health and dental plans through your job has become an excessive burden – then listen up.Worried Mature Couple Reviewing Domestic Finances

You’ve probably searched for individual family plans on HealthCare.gov. These polices are usually more expensive plus have high deductibles. They only make sense if your family’s income is low enough for subsidies.

For many people the next step has been to cobble together different policies that each provide limited coverage for you and your family: a short-term plan with a high deductible that provides up to $1 million in coverage; a critical illness plan that pays a $20,000 lump sum if one of you is diagnosed with invasive cancer, heart attack or stroke; and a dental plan that provides $1,000 in coverage. The total monthly tab for this might be around $350.

But there are a couple of catches:

  • The protection you have pieced together is not the best protection – it leaves you wide open to financial disaster. With a lump sum payout of $20,000 for an individual market critical illness plan, according to insurer Gen Re, the policy won’t come close to covering treatment for a serious illness.
  • Under the health law, most people are required to have insurance that meets minimum standards or pay a fine. Limited benefit policies such as short-term, critical illness, accident, dental and vision plans don’t qualify. (In 2016, the penaltyis $695 per adult and $347.50 per child, or 2.5 percent of household income, whichever is greater.)

Still, faced with sky-high premiums and high deductibles for traditional plans, families earning $70,000-$180,000 are looking for ways to reduce health insurance costs.

Be Warned: if not done correctly it’s a roll of the dice, and if something bad happens, you could find yourself on the hook for a very big bill.

There is a solution!

Trust us.  We’ll deliver the right coverage and help you avoid the Obamacare penalties.

Our Agents specialize in alternative health insurance programs (all from A+ rated companies) that we call the Real Life Protection Pyramid. The Real Life Protection Pyramid provides better financial protection and superior access to healthcare than Obamacare or group plans.  Our Agents understand how to steer you around the issues of penalties, place you with companies that offer superior lump-sum-payouts for critical illnesses and structure your health insurance program to minimize deductibles.  If no one in your family has had treatment for Heart Attack/Disease, Stroke, Cancer, or Diabetes in the last 5 years, needs coverage for addictions, mental health, or maternity or is taking more than $250 a month of daily medications, you’ll probably qualify and save $400-$700 per month.

Obamacare made healthcare available to the poor and low income…but for the rest of us it’s more expensive and restricts our choices.

By | Health Insurance, Health Reform

President Obama billed the Affordable Care Act as a necessary measure to ensure every citizen had access to healthcare. Six years later, millions of Americans remain without health insurance.

“Although more people have health insurance, they continue to face very high out of pocket costs, and so we still see a high proportion of people that simply aren’t seeking healthcare services because they can’t afford them. The last estimate from the census data last year is 33 million,” she says when asked how many Americans are still without health insurance. “That’s down from about 46 million, 48 million from before the ACA [Affordable Care Act] was passed.” Dr. Margaret Flowers tells Loud & Clear.

Even those who have health insurance are paying exorbitant sums for what typically amounts to only partial coverage.

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“That insurance is incredibly skimpy,” Flowers says. “What the insurers did was they created these plans where they actually restrict the number of doctors and hospitals that are in the plan.”

“You may have insurance…but [you] may not even have insurance that covers the medical centers that treat serious illnesses.”

Due to the lack of a public option, hundreds of thousands lost the health insurance they already had. While states were allowed to set up health cooperatives to help provide care for low-income individuals, a lack of funding forced many of those facilities to close.

If you have a pre-existing condition or are able to take advantage of the Obamacare health insurance cost supplements then the exchanges are your best alternative.  However, if you are healthy and not receiving a supplement there are better ways to purchase health insurance and living benefits.  These alternatives are 50% less than the cost of Obamacare premiums AND protect you from the outlandish Obamacare deductibles PLUS can fund your deductibles going forward if you do have a major illness.  To learn more about how this works watch this video.

How to be Legally Opt Out from Obamacare

By | Health Insurance, Health Reform, Supplemental Coverage, Uncategorized

 

We get asked, on a daily basis, if there are ways to legally avoid the high cost, low value of the Obamacare insurance exchange products AND not pay a penalty for purchasing insurance that best fits the insured’s needs.  Here are the options that we share:

1) If the lowest-priced “Obamacare plan” coverage available to you, through either a Marketplace or job-based plan, would cost more than 8.13% of your household income, you are exempt from the Obamacare Shared Responsibility Tax and can purchase alternative insurance without penalty.  Click on the links to get the forms and details for the Marketplace affordability exemption or the job-based affordability exemption.

By the way, there are other exemptions.  Here is a complete list:  https://www.irs.gov/Affordable-Care-Act/Individuals-and-Families/ACA-Individual-Shared-Responsibility-Provision-Exemptions

2) If you are comfortable with the Affordable Care Act’s specific instructions to the IRS that they may not “TAKE’ the money from you— only withhold it from a refund that is due you —  you may avoid the Obamacare Shared Responsibility Tax.  Learn more here: Obamacare Penalty: Proof Its Not Enforceable

3) If you are concerned about the IRS, you can join Christian Health Ministries (NO WE ARE NOT JOKING!) This is an excellent option if you combine it with other off-exchange insurance options.CropperCapture[119]

Christian Sharing Ministries is $45 per month for a single bronze membership, $90 for Husband & Wife or Parent with children or $135 for Family (remember you are not buying it to pay a claim as they NEVER guaranteed they would send a dime, you are just getting it to avoid the potential penalty).

IMPORTANT—- THIS IS THE MONTHLY RATE—- YOU ONLY NEED THIS 10 MONTHS A YEAR NOT 12 —- YOU HAVE A BUILT IN 2 MONTH EXEMPTION EACH YEAR COURTESY OF THE AFFORDABLE CARE ACT.

Click here to go to the Christian Health Ministries site.  Next, RUN A QUOTE  BY CLICKING ON THE RED INSTANT QUOTE BUTTON – CHOOSE BRONZE—- Buy it in February each year.  To claim the Christian Ministries Exemption click here. To view the Christian Health Ministries booklet, click here.

If you purchase the Christian Health Ministry program please contact us so we can set you up with an insurance program that you can count on for your health care needs.  NOTE: THIS COMBINATION FOR THE HEALTHY FAMILY IS LESS THAN HALF THE COST OF AN “OBAMACARE” PLAN.

One more thing:  When you sign up for Christian Health Ministries, please list Mark Deschenes’ member number: 278378  Christian sharing offers a free month to a referring member— So please list me! Thank You!

 

SEE ALSO: http://www.health-life-dental-insurance.com/2015/06/obamacare-penalty-is-it-enforceable/

 

A SHORT TERM HEALTH BENFIT PLAN IS NOT INTENDED TO QUALIFY AS THE MINIMUM ESSENTIAL COVERAGE REQUIRED BY THE AFFORDABLE CARE ACT (ACA). UNLESS YOU PURCHASE A PLAN THAT PROVIDES MINIMUM ESSENTIAL COVERAGE IN ACCORDANCE WITH THE ACA,( this is why we recommend the Christian Sharing Program in combination with the Short Term Medical), Without it, YOU MAY BE SUBJECT TO A FEDERAL TAX PENALTY. ALSO, THE TERMINATION OR LOSS OF THIS POLICY DOES NOT ENTITLE YOU TO A SPECIAL ENROLLMENT PERIOD TO PURCHASE A HEALTH BENEFIT PLAN THAT QUALIFIES AS MINIMUM ESSENTIAL COVERAGE OUTSIDE OF AN OPEN ENROLLMENT PERIOD.  THIS POLICY INCLUDES A PRE-EXISTING CONDITION EXCLUSION PROVISION.