2-1 HealthCareSuperHero.com

Well, this is a loss…HealthCareSuperHero.com got beat by Marriage and Legally Separated.


from Google Images

from Google Images

I was at an appointment with a single mom. She is married but has been legally separated for 2 years.

The question that HealthCare gov asks is if the applicant is married? (answer yes)

The next question is if the applicant will be filing jointly and I answered no.

She was denied a Subsidy/tax credit on her monthly premium…so I called in to HealthCare gov. (If she had been divorced or never married, she would have qualified for a Subsidy)

I know many people (personally and professionally) who are legal separated. Many who are working on divorce or getting back together. Some of them can afford their own HealthCare premiums, some of them need help paying that bill each month.

The person at HealthCare gov said they are trying to fix this problem (I think he said programming error), but for this family it is too little, too late.

So if you are legally separated, make sure your Licensed and Certified Insurance Agent or the volunteer punches it in correctly.

But also remember, you have no recourse against a volunteer if they enter your information wrong. They are just a volunteer. Let me suggest instead working with a Licensed and Certified Insurance Agent, because in addition to more training and experience, we do not charge to help you. We get paid by the insurance company.

Thank you for reading and have a great Holiday Season!

DV New Health Care

Strategic WIN BABY!

We have passed December 15th, no more coverage starting until February 1st…


Yes, I have a special way I can get someone enrolled for coverage starting January 1st still! (Have to enroll by December 19th, call for details)

From Google Images

From Google Images

You do not qualify for a Subsidy/tax credit but I can get you an ACA plan! (good option if you are over 250% of the FPL, Federal Poverty Limit)

BUT the strategic part I was going to talk about is that I can enroll you in a basic STM (Short Term Medical) plan to offer you coverage

UNTIL February 1st.

That way IF anything major happens you at least have some coverage and a MooP (Max out of Pocket)

Think of it like this, January 1st you have a heart attack and spend 14 days in the hospital and run up a $150,000 bill (using numbers a client gave me last year). Remember you missed the December 15th dead line for coverage to start January 1st so


From Google Images

From Google Images

IF you have a STM, you could be responsible for as little as $5,000 MooP (depending on the plan you qualify for)

The policy is only good for a short period (hence the “SHORT” in the name) but if it serves it purpose…it might just be worth looking at!

Thank you for reading and enroll with a Licensed and Certified Agent who knows how this insurance stuff works!

DV New Health Care

Who do I represent? (or 2-0 HealthCareSuperHero.com)

More importantly who does the Agent you enrolled with represent?

If you remember my first win (click here), I was able to save someone from the wrong plan (his Kidney Doctor and his Retina Doctor were not in network)

That is the advantage of working with a Licensed and Certified HealthCare Agent who represents ALL the plans in the Marketplace! I enrolled him in the plan that fit his needs (doctors and budget)

I do not care which of the 4 Carriers in East TN you enroll with because I get paid by ALL them (not by you). It costs you nothing extra to use me and learn from all the mistakes I have seen others make.

BUT my ARCH NEMESIS! is the Single Carrier Agent! (boo! hiss!)

From Google Images

From Google Images

They are ONLY appointed with 1 of the 4 Insurance Companies in the East TN Marketplace and IF you do not sign up with the ONE company they represent, they do not get paid!

And unfortunately, people often steer you towards where they will get paid. I get paid by ALL the Carriers so I just care about getting you the plan that works based on your current needs. (including price and network and Maximum out of Pocket aka MooP, etc.)

When it impacts your pocket book (aka money, bottom line, cash flow) do you want your options or just what is best for the Agent?

From Google Images

From Google Images

Please ask the Agent before you schedule your appointment who they represent. If there are not at least 4 names mentioned, give me a call. (in East TN)

Thank you for reading this public service announcement and enjoy your HealthCare!
dont call


1-0 HealthCareSuperHero.com

Today I spent 1.5 hours with a lady fixing a problem one of my ARCH ENEMIES committed!


In November, my client went into the hospital with congestive heart failure.

While there the social worker/volunteer (she was not sure which) came and enrolled her in an Insurance plan through HealthCare gov. (it is a good plan, just a bad fit for this individual)

Fortunately the lady did not understand what had happened and called me, I came out, review her paperwork.

I quickly realized that the Heart Doctor (who she was in the hospital seeing and had follow up visits with) was not in network. Her Kidney Doctor was not in network. Her Retina Doctor was not in network.


From Google Images

From Google Images

COME ON! You really think it is a good idea to NOT make sure the CURRENT doctor is in network?!? That is the one she needs! Hello! You are in the hospital!

This is a prime example of why people who are not Licensed and Certified for Insurance should not be helping enroll people in plans!

I ended up spending an extra hour on what should have been a 30 minute appointment.

From Google Images

From Google Images

We WASTED your tax dollars calling into HealthCare gov getting her prior coverage canceled (when the representative could have been helping others determine if they qualified for assistance).

It was not a waste to her, my client, but it was a waste of time and resources doubling the work and taking people from their primary purpose.

PLEASE use a Licensed and Certified Insurance Agent!

At least when we screw up, you can report us, we can be required to do additional training, etc.

AND the HealthCare gov website is MUCH better than last year, so as a Licensed Certified Agent, I am able to create your account and answer all the questions much faster than for the 2014 enrollment!

Thank you and please keep your ears open for people saying

“I do not understand Health Insurance”

“That website is a pain”

“Maybe I will just go without HealthCare”

This announcement brought to you from your Local Licensed Certified Insurance Agent
(Secret Identity HealthCareSuperHero.com)

I have a cape so that OFFICIALLY makes me a Super Hero!

I have a cape so that OFFICIALLY makes me a Super Hero!


Thanksgiving STEAK!

My Wife and I are not real traditional. We do not have the patience to cook a whole turkey…actually I will just admit, I never have and am not sure I have the skill too.

BUT! I do know how to cook a steak just right!

Yup, steak for my family…I almost forgot to get more propane! Better not do that! That is important!

My fridge, the fullest it has ever been!

My fridge, the fullest it has ever been! I really do not understand people taking photos like this…I just do not get it.

So happy day after Thanksgiving, please be kind to each other if you are out shopping and remember that the workers are workers, not the ones that set the store policies or determine how much inventory to have on hand.

No, there was no left over steak, silly question!

Hope your Thanksgiving was safe and you did not need your health insurance (thinking food poisoning from an in-law or I had a client slip and fall on the ice one year and bust his knee cap)

Please remember we are in the 10 days of Medicare season.  If you know anyone with that red, white and blue card, they have until December 7th to select their 2015 coverage.

(An exception being the retirees from Y12, ORNL, X10, K25 need to go through Aon and have until Dec 31st. Please check your mail.)

And if you are under 65 years old, you have until December 15th to enroll in HealthCare to start on January 1st! (I am currently scheduling for December 9th)

If your time is valuable because you have too much to do (with the holidays just around the corner and all) try using an experienced Insurance Agent. We have learned over the last few years what you are trying to learn online because you are a do it yourselfer. And we do not charge to help you…free expertise during the holidays? WOW! What a gift!

Happy Thanksgiving!

Thank you for reading.
Vudragovich 0914 2x2p5


Super Heroes need capes right?

Super Heroes need capes right?

Born from the CRAZY mind of an insurance agent that maybe read to many comic books as a kid…

Throw in an Oak Ridge Civic Center Halloween Candy Public Event…

City of Oak Ridge Civic Center Halloween Event 2014!

City of Oak Ridge Civic Center Halloween Event 2014!

And you have born HealthCareSuperHero.com!



The protector from you going to your doctor and screaming


While you slap your face like that kid from Home Alone!

from Google Images

from Google Images

Preparer of your January copay when you find your insulin is $400! (and suggestions on ways to try to keep that cost down)

Here is a win for HealthCareSuperHero.com from spring 2014. I could not find the original story of the lady on insulin. CLICK HERE.

While last year was a bunch of political mud slinging, media spin and bad promises that should not have ever been made, my stance has not changed!

Help as many people get health insurance as want it.

If you do not want it, I will not chase you or bug you and be like Spider Man with JJ from the paper, I will leave you alone, please leave me alone.

I have a cape so that OFFICIALLY makes me a Super Hero!

At my office of comfort and enrollment! Green is such a great color…dont you agree?

BUT if you want accurate information and help selecting and enrolling in a plan, I am already scheduled 2 weeks out and I am embracing technology so I can help more people. (call or message and we will make it work)


My ribbon cutting and what you see as we embrace technology!

And if you were wondering, HealthCareSuperHero.com has a kryptonite, it is called TIME. I have until December 15th to enroll everyone who wants coverage to start on January 1, 2015 and I need to sleep and we have 2 holidays.

From Google Images

From Google Images

Power Boosts:

People realizing there might be a better plan out there! (if you do not ask, you do not know)

People getting premium increase notices! (If you are in East TN, the CooP is very competitive this year)

People tired of dealing with people who lack experience and training like my client from last year, CLICK HERE.

Thank you for reading and PLEASE do not be afraid to call!
Generally in less than 5 minutes I will know if I can help you or not.
Finding the right plan takes longer but I am so good I can tell you quickly if you are eligible for a Subsidy/Tax Credit and Cost Sharing (if you do not know what that means, that is a good reason to call me).

And if I do not answer, please leave your name and number!

Thank you for reading this far down and have a great day!

This week’s sad (not my fault)

I was sitting at my HealthCare booth this week and what happens?

1 side of my booth! Feeling special!

1 side of my booth! Feeling special!

Someone walked up and wanted some insurance! (this is a good thing and why I am sitting up there in Jacksboro)

The bottom line is she got Medicare back in February of 2013, about 22 months ago and she never used a Licensed, Certified Insurance Agent so she now has a 22% penalty EVERY MONTH for the rest of her life! (also known as the late enrollment penalty)

From Google Images

From Google Images, not her card

But by her now getting prescription drug coverage, the penalty will quit increasing every month.

We can also blame the government on this for so poorly not simply explaining what she needed to do (elections are over, we can start blaming both side of the aisle)

While she had her Red White and Blue card (her Medicare card for you non slang speakers) she did not know she had to get a PDP (prescription drug plan) or Part D.

She takes generics and gets all of her meds off the $4 list at the local store.

From Google Images

From Google Images

She also has not gone to the doctor nor did she have anything to help offset the deductible and 20% Medicare leaves her liable for.

And it was wanting the doctor coverage that prompted her to come talk with me (a Licensed and Certified Insurance Agent since 2008 for Medicare)

IF you have Medicare Part A (hospital) and Part B (medical) you need to have credible drug coverage. It can be from your employer or union or you can purchase an individual policy (I help with that).

Or as in this lady’s case, I was able to get her a plan with medical and hospital and drug coverage for a $0 monthly permium and she is only responsible for the Late Enrollment Penalty, 22% every month for the rest of her life.

Please use a professional, whether it is me or someone else.

I am not a general contractor and I am smart enough to know to hire someone to make improvements to my house.

IF you are not an Insurance Agent, do not go it alone, I get paid by the insurance company, I do not take any money from you.

Good luck and hurry up! Medicare plan decisions need to be made by December 7th!

Thank you for reading this far and have a wonderful day!
dont call