When to cancel your health insurance

I have been a Licensed Insurance Agent since 2007.

I completed my Federally Facilitated Marketplace (FFM) training last…August (?) 2013.

I have already had my first client cancel his policy because he is in jail.

I have already had my first client have a change in family (birth of a little girl, not a divorce)

not really her, image from Google Images

not really her, image from Google Images

Last week I had my first couple come for a change in coverage because they got married.

From Google Images

From Google Images

I have also gotten a few calls from people changing jobs…the point of this Post (I do not want you to screw this up)

I will disclose there is still lots out there that is not finalized yet, we are still trying to figure out how parts of the law work, etc. So take everything here with a grain of salt and make sure you talk to someone who knows what they are doing about your INDIVIDUAL SITUATION!

While we are out of the AEP (Annual Enrollment Period) you can still change your insurance…if you have an SEP (Special Enrollment Period). No it does not take an act of GOD, it does not require pigs to fly. But you do need to be paying attention and know your time limits!

From Google Images

From Google Images

This is not a complete list of SEPs but some to keep in mind:

Yes, you! No cliff notes! Image from Google Images

Yes, you! No cliff notes! Image from Google Images

Changing jobs

Change in family status (marriage, divorce, birth, death, adoption, etc)

Going away, locked up, in the hoosegow (been saying that wrong for years) the BIG HOUSE! jail, the pokey or the clink.

Basically if you are being locked up for a while, you need to see if you can keep your insurance or if you are better off canceling it, being covered by the correctional facility, then getting new insurance once you get back out.

From Google Images

From Google Images

If it is for a change of jobs, make sure you consider the following:

When new coverage starts?

Which coverage is better?

Do you qualify/still qualify for a Subsidy/tax credit?

I have had a few clients call me, “Dave! I got a job that offers Health Insurance! Cancel my policy!”

1) I do not cancel policies, you have to call the carrier to cancel the policy (or quit paying and they will quit covering you)

Me “Whoa! When does your new coverage start? Immediately? Not likely. In 90 days…I suggest you keep your current coverage from now until then.”

Them “But I am sure I will pass the background check and get started soon”

Me “If you drop your current coverage and for what ever reason do not get/keep the job/they go out of business, you will not have an SEP to get back into an ACA plan and may have to pay a penalty next year.”

2) I am not trying to rain on anyone’s parade. I am happy you found employment you are happy about!

BUT …

Always a BUT, I do not want you to take un necessary risks and get burned.

3) Like a broken record, I say again “Please use a professional when making insurance decisions”

I love this picture! From Google Images

I love this picture! From Google Images

Thank you for reading and have a great day!
Dave
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IRS SCAM ALERT!

Sorry, did not mean to get your hopes up, the IRS is still real, not just a bad dream.

from Google Images

Okay, insert SCAM for Scandal, from Google Images

But apparently, here in Anderson County TN some people have gotten calls from a DC area, area code, with the person on the line claiming to be from the IRS. (I am sure it is happening else where too but I heard about it in Anderson County first)

from Google Images

from Google Images

They then proceed to tell you you did not pay enough…let’s try that again, they tell you you did not send in all that was due and try to get you to hand over bank info.

From Google Images

From Google Images

While the IRS does work to collect money, they have a longer more inefficient way of doing it including MAILING (not calling) numerous letters.

From Google Images

From Google Images

So PLEASE tell your friends and neighbors to not believe this SCAM and to gather any information (name, fake phone number, back ground noises, etc) and call the police!

If you fall for this SCAM you will be wishing it was only this! From Google Images

If you fall for this SCAM you will be wishing it was only this! From Google Images

Thank you and while it is hard to believe, the IRS is being taken advantage of but the victim is still the individual tax payor.

Thank you for taking time to read and do not believe everyone who calls you.
Dave

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Do You Selfie…

Have you heard this stupid new song?

See link here

I cannot believe I actually listen to it…I think I am more dumber by the end of the song…like totally! (oh dear, it is happening again)

They did a study about selfie dangers, click here

But (and I know this is dangerous) I have been listing to the words…and if this is really how teens speak/think, I am worried about being an old guy with today’s youth being responsible for my care! (actually read an article on this earlier in the week, click here) This is something I have known about for years because of my insurance background.

What is “ratchet”? I thought it was a tool for nuts and bolts.

Now that I have watched the video (instead of listening on the radio) I am happy to say, I think they are making fun of selfees…still not sure how to spell that…

But I mowed the front weeds yesterday so I took a selfie!

2014-04-10 16.39.07

Ain’t technology grand? I can show off my lawn and put a selfie in there, MULTITASKING BABY!

Okay, enough pretending to be hip, have a great day and hope you get to mow your front weeds too!

And if you want a real treat, visit my fellow Blogger Cowboys and Crossbones! She has a whole camera crew follow her around, she is never seen holding the camera (click here)

Thanks for reading and no, I am not sure if Health Insurance covers Selfie Addiction Counseling.(see link above to the about the dangers of selfees)

But if you have other Health Insurance questions, please ask!

OR leave your thoughts below on selfees.

Thank you for reading this far down.
Dave
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Health Care Wins

(please note, I tried to keep my pictures not to detailed, I do not have a strong stomach for surgery pictures)

WIN!

I am not going to comment on Health Care as a whole, but I am going to tell you about 3 of my clients and how this recent change in Health Care turned out for them.

A young woman I saw back in January sat down with me and said “Dave, I tore my ACL 6 months ago, I am in pain, I want to see Dr XYZ at ABC Hospital”

 

From Google Images

From Google Images

Do to the young age, newer to the work force (read near 100% of the FPL, Federal Poverty Limit) she had a monthly premium (payment for Health Insurance) of $75 ish and a Maximum Out of Pocket (MOOP) of around $700. Total annualized bill $1,600 for a surgery she knew would be multiple thousands of dollars! (I think she said around $20k)

Worked out very well for this individual!

WIN!

A middle aged lady sat with me and said “Dave, I need a new knee. I do not have a doctor picked out, I have not had insurance in years and I could not afford to pay for it out of my own pocket.” With her income, she qualified for a sizable Subsidy each month to help pay for the premium (about 75% of the cost) and was only responsible for $1000 or so of the surgery costs. A new knee is not cheap!

From Google Images

From Google Images

Meg Tonne, the Parrish Nurse at First Presbyterian at the corner of the Oak Ridge Turnpike and LaFayette, has a luncheon every month, 3rd Thursday at noon (contact the church office for more information). She has a different speaker every month, free, open to the public. I have met physical therapists, cataract doctors, I have even handled titanium hip and knee replacement parts…yeah, let me say I am glad I did not study to be a doctor, I would not make it!

But I have some small idea of what is involved with the materials and costs of these surgeries.

With all that is going on now that Enrollment is over for Health Care, I will not discuss or debate, I did want to share 2 WINS! from my clients.

WIN!

I actually have 1 more client who I just signed up and is looking at getting Health Insurance for less than $50 a month (again, the Subsidy) and then his knee, ACL and meniscus are replaced will only be paying $750 for the surgery that is normally around $20k!

From Google Images

From Google Images

Thank you for reading this far and if you know someone who  has questions about Health Care (or other options) please send them my way!
Dave
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SCAM ALERT!

Things I learn at Chamber Coffees:

Few weeks back I was at the Clinton Morning Pointe Coffee (fellow Anderson Chamber Member) talking with Tim Shelton, current Register of Deeds for Anderson County, TN.

Since I am involved with Elder Watch of Anderson County (helping increase awareness of services available to seniors and staying abreast of new scams) this story was of particular interest to me!

It has been forwarded to my group and we will all share this information with our senior clients. But this SCAM is more directed at new home owners. So if you know any Real Estate Agents, it may be a good story to know.

From Tim Shelton and the Recorder of Deeds office:

Recently I was contacted by one of our local residents informing me of a very disturbing piece of mail they had received. The letter looked very official and in fact had the appearance of being an invoice from a department within our state government. The reality, however, was that it was a solicitation letter from a company that was not a part of any government, (state or local), and the service that they were offering was nothing more than a scam. While they had included a disclaimer intended to protect them from accusations of consumer fraud, the truth is this, they were seeking to misrepresent themselves in hopes of scamming the public of their hard earned money.

Here is how the scam works. Because the recording of a deed is considered public record, the company in question would make a public records request for all recent sales of property. They would acquire this information from either state or local records and then start the process of contacting the new property owner via a mail piece stating that the new property owner needed a certified copy of their deed. Please note that rarely will a property owner need a certified copy of their deed. In fact, the purpose of recording the deed in the first place is to provide public notice that a transaction has taken place and to provide a place of safe keeping in the event that a deed is lost, stolen or destroyed. If a property owner actually did have a need for a certified copy of their deed, the person would be required to obtain the certified copy from the County Register of Deeds Office which would include the Registers signature, stamp and seal. Courts and lenders do not recognize any other certification from any private business.

Part of the scam included an inflated price for service and the solicitation took the appearance of a bill or invoice. The letter stated that the homeowner needed to send $89.00 dollars to receive a certified copy and provided a Nashville address that turned out to be a UPS mail box. After receiving payment from the new homeowner, the company would then contact the Register of Deeds office requesting a certified copy. The cost to them? On average around $5.00 dollars. That means the homeowner was paying this company an additional $84.00 to receive a certified copy that they could have gotten themselves for around $5.00 from their local courthouse.

Please be aware that the Anderson County Register of Deeds office is dedicated to serving the public and that all individuals seeking to obtain deed information should start by contacting our office first. If you have a legal question our office will be more than glad to advise you of the need to contact an attorney , however, if we can assist you in some way we will do so without cost. We provide standard copies of documents recorded in our office free of charge and the internet service can be accessed without any fees or passwords. The charge for a certified copy is set by law at $1.00 per page and rarely does a deed exceed five pages. (Certainly a far cry from the $89.00 dollars demanded in the scam letter.)

Finally, while we certainly support individuals, companies and law firms that are in business to provide legal services to the public, we do not condone the practice of taking advantage of the people to whom our office is elected and sworn to serve. In the end, when it comes to questions concerning real estate, we recommend that you contact the Register of Deeds office first, before spending any money. It could mean the difference between YOU taking advantage of the services provided by your government, or finding yourself being taken advantage of by those who seek your money.

Your Register of Deeds,
Tim Shelton

Thank you for reading and please share widely!
Dave
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Good Daddy!

While I cannot take all the credit, I get at least 50%.  My Wife get the other 50%.

This story starts back in 2010, hope I keep it moving so you do not fall asleep.

This past weekend between the Ides of March and St Patty’s green beer…

Drum roll please!

My kitdies turned 4! (or more precisely lived to turn 4 years old)

We do not hang clothes on our tread mill! We reserve it for Zak.

We do not hang clothes on our tread mill! We reserve it for Zak.

Our little furry illegal immigrants from Alabama!

It was 2010 and we had just moved to East TN (GO VOLS! was one of the first local phrases I learned). Every day when we walked outside…our cars where yellow green…then we would sneeze (for you non locals, it was allergy season).

We were in temporary housing provided by fellow Chamber Members and Networkers Corporate Quarters!

You long time readers know of Janice and all my recommendations and praises of Corp Quarters and their ability to help businesses relocate employees or offer extended housing for temporary employees! (hint, hint, give them a call)

Moe is king of the couch!

Moe is king of the couch! No, we do not fold blankets, they just get piled up on the couch for kitten kneading pleasure.

One of my wife’s co workers had a son…yes, I am sure more than just one of her coworkers have a son and probably some daughters in there too but we are concerned about this one coworker with her one son.

He worked on a shipping and receiving dock. He was walking around, checking crates and heard a “MEW! MEW!”

It was Moe and trust me, his lungs have only gotten louder!

Apparently back in Alabama, Momma Kat gave birth, went out for a bite and by the time she returned, her kittens had shipped to TN! Bless her poor little heart!

So we got the 3 little orphans. Now is probably a good time to point out that my Wife and I married late in life (mid 30′s) and neither of us had been married before and neither of us had any kids and when we got married, there was not a gold fish between us! SO the fact our three survived this long is an accomplishment in and of itself! (see marriage stuff here with our song)

Queen Roxy atop her kitty tree

Queen Roxy atop her kitty tree

We were not so sure about them at first and even thought maybe we should have taken some other co workers up on their offers of chickens, pigs and goats…but our fur babies have worked their way into a special place in our hearts!

Happy Birthday kids and yes, I know it is time to clean the litter box.

Oh, and to plug insurance, all three of them are in our wills. To learn how to make sure your fur babies are taken care of, give me a call!
Dave
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Bad Daddy!

(Disclaimer: I have no idea if anyone was hurt in the photos but you are welcome to speculate)

I AM SUCH A HORRIBLE PARENT!

From Google Images

(not my kids) From Google Images

All of today’s “good” parents see their kids doing something dangerous/stupid/life threatening and go and reach for the camera phone before trying to save their kid’s life.

From Google Images

From Google Images

Me? I reach for the paper towels and the camera second.  

From Google Images

From Google Images

What am I thinking? Clean the mess up first?

Well…maybe I should not try to hype my Katz up on NIP…that could be part of the reason they do crazy things.

NAH! They are Katz, that is why they do crazy things!

2014-03-14 10.02.06

At the suggestion of CowBoys and CrossBones (fellow Blogger in Nashville TN area) I invested in some Nip Bubbles. You know, you blew bubbles as a little kid and now it is in NIP version for your Katz! Scratch on the above picture of the bottle and sniff. Don’t you have a scratch and sniff screen? Hmm…heard those were out already, sorry.

2014-03-14 10.01.39

Zak saying “What happened here?”

2014-03-14 10.16.23

See? I have proof they walk on paper towels!

Moe was up on the counter (against the rules, bad kitty!) and marking (“rubbing his face and jowls” for you none feline readers) on the NIP Bubble Bottle and knocked it off the counter.

Of course gravity takes over and it spills on the floor. Do you see any shots without paper towels in them? No, I am responsible and start to clean it up right away.

2014-03-14 10.01.45

And in today’s society that makes me a bad parent because I could have snapped a photo of such shock on Moe’s face that the bottle fell! (read sarcasm font)

Thank you for reading and have a great day!
Dave
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