Monthly Archives

January 2018

Now Is The Time To Repeal Obamacare And Here’s Why

By | opt out of obamacare

By repealing Obamacare, health insurance markets could help drive down costs and force insurers to compete for our business with products tailored to our specific healthcare needs – including innovating to deliver better care at lower costs to the relatively small population in the individual maret with pre-existing conditions.

Under Obamacare millions of people have seen triple premiums, canceled plans, and drastically diminished provider options. Indeed, some are paying more for their monthly healthcare premiums than for home mortgages.

Under Obama care premiums will continue to rise as younger, healthier people opt out of Obamacare’s exchanges and the sick and indigent makeup larger proportions of the exchange population. The reason for these continued premium increases is that Obamacare’s federal health insurance mandates – guaranteed issue, community rating, essential health benefits, under-26 mandate – all remain a part of the law. These onerous federal requirements on issuers are responsible for patients and families’ exorbitant costs, diminished care quality, narrowed provider networks, and the degradation of the overall system.

When considering repeal of Obama care it’s important to remember the laws most glaring failures:

  1. Costs

Despite repeated promises of premium reductions, Obama care has delivered major increases.

In the employer-sponsored market, costs continue to increase. According to the Kaiser family foundation, average family premiums for employer-sponsored plans have increased almost 32% from 2010-2017.

In the individual market, the average nationwide premium increase has been 99% for individuals and 140% for families from 2013-2017, according to e-Health.

  1. Choice and competition

Relative to the individual market prior to the law’s implementation, insurance competition has always been limited on Obama cares exchanges. However competition has continued to decline, with 2017 being the worst year yet.

Heritage foundation research shows that 70% of U.S. Counties have only one or two insurers offering coverage on the exchange in 2018.

  1. Exchange Enrollment

The Obama administration estimated that the average monthly affected enrollment in the exchanges was 10.4 million people in 2016 this is significantly below the original projections from the Congressional Budget Office, which estimated that 21 million people would be getting their coverage through the laws Government exchanges in 2016.

  1. If you like your plan, but the government doesn’t, you can’t keep it

When Obama cares insurance rules and mandates took full effect in 2014, insurers were forced to cancel existing plans that didn’t comply with the new standards. A tally put together by the Associated Press shows that there were at least 4.7 million plan cancellations across 30 states.

This situation cannot persist. It’s unfair, insanely expensive, and threatens the financial security of millions of American families.  Now is the time to Repeal Obamacare – before it causes even greater damage to Americans’ financial security.

Our Layered Approach To Healthcare Protection

By | Health Insurance, Health Reform

Are you a Healthy Texan who is looking for Coverage for yourself or your family?

Are you discouraged by your high Premiums at work, upset that you can’t keep your Doctor on your Obamcare HMO, or worse yet are locked out of coverage all together because you missed Open Enrollment?

Here is a Sensible, Affordable, Layered Insurance Solution that protects you better than anything else we’ve seen.

We offer Low Deductible – Guaranteed Renewable – Layered, Practical Health Insurance that you can actually use at a price you can afford.

Living Benefits Life Insurance: You Know You Need It, Here’s Proof You Can’t Afford To Wait!

By | Life Insurance

We have this great client – Roman, who really loves his family.  In 2015 we had him approved for a preferred 30 year plan.  For whatever reason he didn’t enroll.  The monthly cost at that time wascan't afford to wait $154.44.  At the time we we shared something with Roman that we have learned from those who bought a living benefits policy – and when life tragedy struck – they were thankful to have it…Not too many people want to buy a living benefits plan but everyone wants a golden parachute!

Today, January 15, 2018, he asked that we revisit the plan – and it had gone up to $270.47 per month.  WOW what a difference a few years makes!  That price change amounts to a $41,770.80 increase in total cost over a 30 year period.  $41,770.80 – That’s what it cost Roman to wait 2.5 years to get covered (age 52 to age 54).

You need coverage for THIS reason: It will save your family from a financial nightmare if you get a serious illness. (Click here to read our one of the many true stories of our clients saving their family from financial ruin.)

Today I am happy and proud to report that our effort DOES make a difference in people’s lives.  Our Living Benefits plan has made it so that many of our clients protected their family while they recovered from serious illness – doesn’t your family deserve that peace of mind?

Call us 800-257-1723 or schedule an appointment now – don’t pay the cost of waiting!

Need more proof why Living Benefits are essential?  Read this article and you’ll see why you need a backup to your health plan.  Call us today – 800-257-1723 – let’s protect your family.

Why Living Benefits? Here’s a True Story

By | Life Insurance

My good Client ( Paulo G)  has given me permission to share his story.

Oct. 2016 Mr. G purchased a Living Benefit Plan from us.

Like any human being, this diagnosis was a shock to Paulo, he was concerned and maybe a bit scared.  I remember him telling me, “If anything happens to me take care of my family”.image

Well our agency DID take care of his family.  Over the last 5 months we have informed, comforted, and in a few cases when needed- kicked some clerks butts.  We reached out 16 times to advise and take care of Paulo needs.  In addition, numerous other calls were made to providers as well as the carrier for his Living Benefit plan.  We made sure that his claim for accelerated benefits was moving along and stayed on track.

During the last 5 months, while we were taking care of Paulo’s Life Insurance and Living Benefits business, Paulo has been in hospital- in treatment- and in chemotherapy.

Paulo says that about 3 weeks of every month he has been totally sidelined either getting treatment or recovering from treatment.  All the while, his family business & family have been suffering from the effects & stress related to the situation.

Today I am happy and proud to report that our effort DOES make a difference in people’s lives.  Our Living Benefits plan that Paulo bought just 15 months ago, has offered Paulo 52.2% of his face amount benefit as compensation for the family.

Although no one wants to suffer a diagnosis and related trauma, the large six figure check the family will cash sure goes a long way to making things better.  Not only will it help get their whole family’s life back on track, Paulo plans on using some of the money to create a new business.

What we do, how we do it, and the companies we rely on matter.

I am extremely proud of all of our staff and happy to be personally of service to Paulo’s family.

I cannot stress enough to everyone who will listen that your health is NOT to be taken for granted.  Lives change in the blink of an eye.  I personally carry several million of living benefit life and recommend this type of coverage for you too.

Please reach out to me so I may show you how you can use your non-cash value term life insurance as a “bank” that you can access when stricken with a chronic or critical illness.

P.S.  Forgot to mention  Paulo is doing much better.  His prognosis is good and he is feeling much more confident about his future.  With the recent news of his cash payout, finances have become one less thing to worry about.

Need more proof why Living Benefits are essential?  Read this article and you’ll see why you need a backup to your health plan.  Call us today – 800-257-1723 – let’s protect your family.

The best choice in short-term health insurance is much better than 90 day plans

By | Health Insurance

Short Term Health Insurance ExplainedMost short term health insurance extends for 90 days – and then you have to re-apply.  You may not think it’s a big deal to have to reapply 2 or 4 times a year but it is – especially once you have a preexisting condition.

Here’s a couple of examples: say you are in a car accident with residual back problems – or some other significant ongoing illness. At that point you have a preexisting condition!  That preexisting condition means that you cannot reapply for short-term insurance.  In fact – (get this!) a maternity situation makes the father not eligible to reapply.

You simply should not risk getting stranded by short-term insurance policies.

There’s a better solution – Companion Life.  Here’s how it works:

If you decide to enroll in back-to-back coverage terms, a new certificate of additional coverage will follow each 90 day coverage period.  Each certificate will have an effective date that starts the day after your previous coverage expires.

Shortly before the expiration of coverage of your active coverage, you will be notified of a new coverage ID card in your online member portal which you can print and use for the following period.

The advantage of back-to-back policies:  While your deductible and any out-of-pocket responsibilities start over with each subsequent coverage certificate, all medical conditions that arise and that were covered by your initial Companion Pivot Health plan will be covered under your subsequent new certificates, subject to plan limitations.  There are no medical questions to qualify or new waiting periods after your initial enrollment. This is the best available alternative…why go with anything else?

Call us now 800-257-1723 and lets get you the best health insurance alternative for you and your family!