Archive for Uncategorized

Limit on Consumer Costs is Delayed in the Health Care Law

// August 13th, 2013 // Comments Off on Limit on Consumer Costs is Delayed in the Health Care Law // Uncategorized

Every day a new waiver, a new issue or a new delay is heralded by the Media, yet HHS and the Administration bravely move forward with partial implementation of the Affordable Care Act.  Today in the NY Times in an article by Robert Pear, it was noted that by Executive order, insurance carriers were given  waiver until 2015 on the caps on maximum out of pocket expenses.  What does this mean to the ordinary policyholder, not only will your insurance premiums be going up, but you will still have the “old” caps.  The plan had been to put caps on your expenditures to try to bring down the overall impact of the cost of health insurance due to higher premiums.  Now we will be getting hit with higher premiums and the old out of pocket expenses limits.

Please go to www.nytimes.com/2013/08/13/us/a-limit-on-consumer-costs-is-delayed-in-health-care-law

This change is in addition to:  Employer Mandates out until 2015, the main security system for the Federal Hub which will house all of your personal data not being completely tested leaving enrollees potentially open to identity thieves and hackers, waiver for Congress and their staff to receive a 75% subsidy of their insurance premiums.

Regardless of your political affiliation, this is a bad bad law.  Some parts like exclusion of pre-existing conditions, maternity coverages are good things.  But it should either be all implemented on a level, egalitarian playing field or delayed until it can be fixed.

I urge all consumers to call or email the Congressman, Senators to delay the implementation of the individual mandate which is an unfair burden to the middle income Americans.

 

 

 

 

 

Preventative Services for Women Expanded

// August 20th, 2012 // Comments Off on Preventative Services for Women Expanded // Uncategorized

As of August 1, 2012, additional preventative services are to be offered by all insurance companies.

The new list of women’s preventive care services is an extension of the existing preventive care services provision that went into effect under the health reform law Sept. 23, 2010. New coverage guidelines require non-grandfathered health plans to cover an expanded list of women’s preventive care services:
• Breast-feeding support, supplies and counseling
• Contraception methods and counseling
• Domestic violence screening
• Gestational diabetes screening
• HIV screening and counseling
• Human papillomavirus testing (beginning at age 30, and for every 3 years thereafter)
• Sexually transmitted infections counseling
• Well-woman visits
Preventive Care Services | Overview

The Need for Income Protection

// July 16th, 2012 // Comments Off on The Need for Income Protection // Uncategorized

Hidden Tax in HealthCare Reform Bill

// July 16th, 2012 // Comments Off on Hidden Tax in HealthCare Reform Bill // Uncategorized

Plan on selling your real estate in 2012 to avoid any potential additional and new sales tax on the transaction. For more details click on link http://www.gop.gov/blog/10/04/08/obamacare-flatlines-obamacare-taxes-home

Healthcare Reform – hidden taxes

// July 6th, 2012 // Comments Off on Healthcare Reform – hidden taxes // Uncategorized

under the healthcare reform act, deductions for medical expenses will increase from 7.5% to 10%. If it was difficult to qualify for this deduction before it will be virtually impossible in coming years if the law stands.

There are many other tax increases hidden in the 2700 pages of legislation.

More info to follow

Affordable Care Act Upheld by the Supreme Court

// June 28th, 2012 // Comments Off on Affordable Care Act Upheld by the Supreme Court // Uncategorized

Women and Long Term Care Updates

// June 4th, 2012 // Comments Off on Women and Long Term Care Updates // Uncategorized

60% of all long term care insurance is sold to women.
Current life expectancy for women is 80.6 years and for men 75.2.
Over 1 million women are in nursing homes versus 400,000 men.
1 in 4 Baby Boomers will develop Alzheimers.

Are you ready financially for this event.

Can Disability Happen to Me?

// May 14th, 2012 // Comments Off on Can Disability Happen to Me? // Uncategorized

“Just over 1 in 4 of today’s 20 year olds will become disabled before reaching age 67” Social Security Basic Facts, March 2011

Can Disability Happen to Me?

// May 14th, 2012 // Comments Off on Can Disability Happen to Me? // Uncategorized

Health Care Reform Update

// May 2nd, 2012 // Comments Off on Health Care Reform Update // Uncategorized

Starting with 2012 W-2’s employers with more than 250 employees must list amount of health care benefits provided to employees on their W2’s. This is optional for small businesses with less than 250 employees

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