My Writings. My Thoughts.

31 million will still be uninsured

// September 9th, 2013 // Comments Off on 31 million will still be uninsured // Health Care Reform & You

After 2700 pages of legislation that no one read, and over 19,000 pages of regulations, todays Washington Post article points out the glaring reality that it didnt fix anything of the 41 million that were supposed to get insurance, 31 million will still be uninsured.  Call you Congressmen/women, to delay the full implementation. Surely they can work on some amendments to make this law less cumbersome, less laden with fees and taxes, more accessible to everyone.  Costs for insurance in the majority of the states will increase.  The only saving grace will be the premium tax credits given to thos folks who fal within 100-400 percent of the Federal Poverty level.


We can do better.  Reach out before it is too late.


ACA Projected To Leave 31 Million Americans Without Coverage.

On its front page the Washington Post Share to FacebookShare to Twitter (9/9, A1, Kliff, Sun) profiles a handful of those who will be “left behind” when the Affordable Care Act goes into effect, and the free clinics from which they must continue to seek care. The piece estimates that despite the law’s coverage expansion, 31 million people will still be without insurance by 2023.

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

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.






Individual Mandate Penalties

// July 1st, 2013 // Comments Off on Individual Mandate Penalties // Health Care Reform & You

The individual mandate starts October 1, 2013 when the Healthcare Marketplace is scheduled to be opened. Individual Mandate if you do not enroll and get insurance before 3/31/2014 you will be penzlised $95 or 1% of your income up to the threshold set by the Federal Government.

Confused, contact us for assistance/

Draft Applications for Subsidies under Healthcare Reform

// April 30th, 2013 // Comments Off on Draft Applications for Subsidies under Healthcare Reform // Health Care Reform & You

After much criticism, the applications for individual and family pre-certification for government subsidies have been modified and shortened.  These forms will verify you and your family’s eligibility for a subsidy when the Insurance Exchanges are up and running.  The exchanges are targeted to be ready in October 2013 with insurance plans being effective January 1. 2014.

These forms will verify your citizenship, employment and income status by sending the form to the various government agencies.

If you have any questions, please feel free to contact us.

Individual Healthcare Pre-app

Exchange Pre-app Family

Seven Important Facts about Insurance Exchanges for Employers

// April 15th, 2013 // Comments Off on Seven Important Facts about Insurance Exchanges for Employers // Health Care Reform & You

The following article is being reprinted from the Aflac website.  It gives a succinct look at seven important facts that will impact employers with the release of the upcoming insurance exchanges.

Exchange Facts

For more information, please contact us at:



Alzheimers Facts and Figures 2013

// March 19th, 2013 // Comments Off on Alzheimers Facts and Figures 2013 // Long Term Care... Facts, Myths, Etc.

The Alzheimer’s Association of America has released its comprehensive study on Alzheimers.  Here are just a few of the facts

  • 1 – 3 seniors dies with Alzheimers or another dementia
  • Out of pocket expenses for long distance caregivers are newarly twice as much as local caregivers
  • In 2012 15.4 million caregivers provided an estimated 17.5 billion hours of unpaid care, valued at more than $216 billion.
  • Alzheimers disease is the sixth leading cause of death
  • In 2013 direct cost of care for Alzheimers/dementia will be $203 billion including $142 billion in costs to MEdicare and Medicaid.
  • Texas alone by 2020 will have an esitamted 400,000 people in Alzheimers/dementia care which is a 48% increase from 2000.

Are you and your family prepared for the cost financially, personally and emotionally for someone diagnosed with Alzheimers or dementia.

Call us for how you can protect your future and that of your children and grandchildren.


Have you ever calculated the cost of an accident or an illness? – Aflac has

// February 14th, 2013 // Comments Off on Have you ever calculated the cost of an accident or an illness? – Aflac has // General Benefits Information

Aflac has created a link for individuals to calculate the real cost of accidents, illnesses, disabilities.  It will also allow you to see what benefits are available by purchasing an Aflac policy.

Please check out the link below and then contact us for more information on how to add Aflac benefits to your portfolio.


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

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