Pay Your Bill! February 1st

What are you waiting for?
(if you are like many people I work with, you are waiting for your paycheck to come in on the 1st or 2nd)

From Google Images

From Google Images

The problem this year with paying your HealthCare after the 1st is, here in East TN, that is sometimes to late and your carrier will drop you!

From Google Images

From Google Images

 

That means:
NO February coverage!
ANY bills or ER visits are all on your dime!
FULL PRICE for any Rx, Prescriptions or Medications!

From Google Images

From Google Images

Not all carriers are doing this but I had 2 clients with a January 1st start date where the Carrier CANCELED their policy!

The good news is I was able to re enroll them for a February 1st start date and they have already paid their premium! (and they have not had any health issues yet this month)

These are terms you should know.
If you have not at least heard them, I know I did not help you.
Better contact someone so you know what type of HealthInsurance you are getting!

From Google Images

From Google Images

So please save yourself the hassle and risk and PAY YOUR BILL!
(on a side note, many carriers now accept Credit Cards. I know Dave Ramsey is probably rolling his eyes, but it is a decision you  have to make…coverage or pay the credit card off a few days later when you get paid?)

Thank you for reading and go find your bill so your HealthInsurance starts on time!
Dave
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Did you pick the right plan…or do you know what to look for?

I got a guy off the plan he selected and into a plan for $2 more a month (yes $24 you math geeks)  and saved him $500 on his drug deductible (that means he is saving $476 over the next year)

That is because Insurance is my world and I know some of these policy nuances.

What does nuances mean anyways!??! From Google Images

What does nuances mean anyways!??!
From Google Images

And it cost my customer NOTHING to use my experience! (no cost, free, moola zero, nada dime)

All in a day’s work for for HealthCareSuperHero.com

Do you know the difference in confectioner sugar from the brand name vs. the generic? I know I do not! BUT I assure you a good baker does!

From Google Images

From Google Images

Is there a difference in 10w-30 oil (do they even use that any more?) between the company that has been making it for 50 years vs. the synthetic blend? I do not know, but a good mechanic does!

Do you understand this? From Google Images

Do you understand this?
From Google Images

One thing I can tell is the difference in steaks and chicken from a cheapie grocery store and GOOD meat from a butcher! I cannot tell it by just looking at it but soon as I grill it and bite into it, I can tell a difference.

From Google Images

From Google Images

VS.

From Google Images

From Google Images

And that is my point, my client selected a plan that looked good from the outside but once he got into using the plan (for him, it was brand name prescriptions) he would have realized his mistake and he could not fix it until the 2016 enrollment.

Please, regardless of the subject, use a professional!

Here is to hoping you are not so stubborn you can do it “your way” that it costs you a boat load of money and suffering.

Thank you for reading and have a great day!
Dave
DV New Health Care

Report your life changes! (or don’t screw yourself)

When you have life changes, notify your Agent. (marriage, death, birth, move, adopt, etc)

In the world of HealthCare it is important to call your agent about your life changing events because it can affect your Subsidy/Tax Credit if you receive one or it may make you eligible for payment relief if you did not have assistance before

This week is a good example:

I enrolled a lady in HealthInsurance through HealthCare gov. (early December 2014)
She was married but he had HealthInsurance through Medicare.
He was the primary household income provider (she qualified for very little assistance with her monthly HealthCare premium (she was paying about $350 a month).

We played phone tag for the 1st week of January then we finally got to speak.
Her husband, of 2 years, had died of lung cancer December 28th.
Her monthly income went from his Social Security and his Pension and her pension to just her  pension (the smallest amount of all).

Due to a lack of life insurance, she had to put his funeral on  a credit card.

From Google Images

From Google Images

Because they had only been married for 2 years, she was not eligible for his Social Security.

She is 63, just lost her husband and now has to go get a job AND keep paying $350 ish a month for her HealthInsurance!

Well, not quite. This is where her having me as her agent was a real benefit!
I knew her income had changed.
I knew that allowed us to go back and adjust her Subsidy/Tax Credit from HealthCare gov.
I discussed with her what her employment options where and helped her calculate what to put in for her 2015 projected income and her monthly premium is now around $50 a month which will allow her to afford food and electric!

While she is suffering from the loss of her husband, at least I was able to save her $300 some dollars a month, that she would otherwise not have known about!
While it will not return him to her or give her the money to pay off his funeral (I do offer life insurance so you do not leave your spouse in the lurch like this) it does give her some monthly payment relief.

From Google Images

From Google Images

PLEASE plan ahead, PLEASE use a Licensed and Certified Insurance Agent.
The services I provide are at no charge to you, I am compensated from the insurance company, NOT from you.

Thank you for reading and PLEASE call if you have a change in your family or life that can affect your HealthCare.
Dave
DAVID VUDRAGOVICH_TV_LIFE INS_720X480 PIXELS_040214

New Year, New Outlook, New Insurance

There are so many new topics I would love to present you with but which one to choose?

Should it be on how group benefits are a thing of the past and there are other better options now? (no employers, offering benefits is not a good way to keep and retain employees. The new method is a reimbursement plan)

From Google Images

From Google Images

Maybe I should talk about how many people confuse HealthCare with HealthInsurance (one is what you receive the other is how much is paid for on your behalf and what is covered and what you do if it is not covered)

Maybe I should talk about policies that pay you CASH so you can survive downturns in your health? Unlike the duck related company, my policies are owned by you and paid by you. You do not have to have a group to be able to get coverage (hint, hint self employed start ups)

Maybe I should talk about the opportunities available to existing Licensed Insurance Agents IF they are with the right Agency (I have been Licensed since 2007 and hopped from Agency to Agency until June 2012 which is where I am now since they are better than any of the other companies I was with).

Maybe I should quit rambling and just say Merry New Year!

From Google Images

From Google Images

My New Year’s Resolution is to keep my post brief and informative and hopefully mildly entertaining in 2015.

For my 2014 resolution of posting every Friday, I think I only missed 1 Friday so I did pretty good in 2014!

Thank you for reading and have a great new year!
Dave
DV New Health Care

Gift for your family

I hope everyone had a wonderful Christmas and other holidays!

It is now time to get serious about the year long and potentially most important gift for your family…Proper Health Insurance Coverage.

From Google Images

From Google Images

While many experience a lull or slow time from now until January 2nd, I am working to help as many people who are willing to select their 2015 coverage! December 16th was a great example of people who procrastinate.

From Google Images

From Google Images

For your HealthCare to start on February 1st, you MUST sign up by January 15th and in December for a January 1st start date, I enrolled 59 people from Dec 10th to Dec 15th!

On Dec 16th I was still receiving calls from people who just could not get through.

Too little, too late.

Failing to plan is a plan to fail.

From Google Images

From Google Images

But I am warning you and willing to help you because right now I can.

So while the phone lines are not overloaded, while I am not working 12 hour days, call me now and make your 2015 HealthCare decision while there is time.

From Google Images

From Google Images

Thank you and have a safe and happy 2015!
Dave

Photo of new ad until I get the jpeg

Photo of new ad until I get the jpeg

Tidings of GREAT JOY! (a win for the season)

I lost a client but it was for the most wonderful holiday reason!

They are not getting divorced and staying on the spouse’s work coverage!

Happiness and Joy!

From Google Images

From Google Images

I got the call and it went something like “Dave, we have been talking it over and we have too many years invested in each other. We are going to stay married!”

So I gave the instructions on how to cancel the insurance and Subsidy/Tax credit so they do not have a penalty or perjury issues.

Yes, I lost a client but they have a much happier Christmas present for each other!

May your holidays be filled with Love and Family!
Dave
dont call

2 – 1 – 1 HealthCareSuperHero.com (perjury)

I tried to warn them but they would not listen.

Legal disclosure: I am not an Accountant, I do not give tax advice.

I am an Insurance Agent, who helps people with HealthCare gov

From Google Images

From Google Images

I constantly am running into people with SSI (Social Security Income) or DSSI (Disability Social Security Income). My clients who have SSI or DSSI, it is normally a good thing.

It helps them have enough income to qualify for a Subsidy/Tax Credit to help make the monthly premium for HealthCoverage more affordable.

From Google Images

From Google Images

Unfortunately, many people who have SSI or DSSI think that because they do not have to pay taxes on that income (that is what they tell me) they cannot use it in applying for a Subsidy to help keep their HealthInsurance affordable. (And I am not saying you have to pay taxes on it, but you do have to claim it as part of your household income. The difference is Taxable Income vs. Household Income)

Well…I just saw the flip side of it, this family did not claim the SSI when they went on the federal site and applied for coverage.

SSI and DSSI is part of the household income. HealthCare gov will count it.

I called in and spoke with one of their representatives and they confirmed what I just typed above. And that means at tax filing time, they will owe ALL the subsidy back. Can you imagine owing the gov’t an extra $1224 because you listened to some volunteer who told you to not include some of your income?!?

From Google Images

From Google Images

Also, I am not an attorney, I do not give legal advice.

I am an Insurance Agent, who helps people with HealthCare gov and the last question the federal website asks before you sign is, ‘Perjury is a federal offense, the gov’t does not like being lied to, is every answer true and accurate to the best of your knowledge?’ (I am paraphrasing but you get the gist. To me, intentionally leaving income off is perjury even if it was someone else who gave you the bad advice. And the govt can come after you. And since it was a volunteer, you have no one to go after)

PLEASE be careful!

I put this down as a Draw, not a win or loss yet because I do not know if the client is going to listen to me (the Licensed, Certified Agent) or not.

But if not, I am willing to jointly call into HealthCare gov and try to save them from fines and penalties down the road. After all, they just want affordable HealthCare.

Thank you for reading and if you have friends trying to manage the federal site alone, please tell them “It costs you nothing to use a Licensed and Certified Insurance Agent, just make sure they are on with all the Carriers”

Have a wonderful day!
Dave
DV New Health Care