How Long Can I Keep My Child On My Health Insurance Plan?

How Long Can I Keep My Child On My Health Insurance Plan?  Long before the  “ Patient Protection and Affordable Care Act ”  (a.k.a. “Obamacare”) was signed in to law on March 23rd, 2010. There were Federal & State laws that were already in force around the country that provide protection for dependent children regardless of their college student att...

Photos: Lunch Seminar - Impact of Healthcare Reform on Small Businesses

Some key local business owners attended this Lunch Seminar on healthcare reform.  Many business owners are a little nervous about what is on the horizon.  Rightly so!  This is why we are doing Lunch Seminars to provide these local business owners with the tools and knowledge on how to get a head with healthcare reform. Those who do, will profit from doing so...

Don"t Get Caught In The Snow With Your Insurance Needs

Photo Credits: http://ribbu.com/ It has been a crazy winter in the Chicago area. Mother Nature has brought us a very little snow in December or January. February brought about 25 inches, and now it is March and we are getting hit with the biggest snow fall of the year. Today O’hare has already cancelled 1000 flights and it just started to sn...

Investing In Your Retirement

Credits: http://creativewealthintl.org/ You often hear the term “Pay yourself first”. That means you want to be sure you take care of you before you take care of your bills and other financial obligations. Unfortunately in the real world it is not always realistic. You really cannot neglect your mortgage or you will be on the streets. All of...

Golden Rule® Will Opt Out of Insurance Exchange

The Affordable Care Act and its implementation have left many wondering what to do for this year as there is an unknown about 2014. By unknown I mean we hear costs will go up 50-100% once the exchanges open and all of the essential benefits are incorporated. We hear that, but I guess we do not know factually. We have also been told that health insura...

The False Pretense of Having Health Insurance Coverage After Applying for Coverage

Photo Credits: blogs.squaremouth.com/ There have been some changes recently with the application process for a Celtic Insurance health policy. Once the policy is approved, there is a change in effective date; when the policy starts. In one particular case, they had coverage for at least 18 months with qualifying coverage and no breaks in tha...

Healthcare Reform: Can I Use My Insurance Agent?

    It is full speed ahead with questions about how healthcare reform will pan out come later this year, 2013. Open enrollment starts October first. What does that mean for you? It means a lot of confusion and unanswered questions. This is where your insurance agent comes in. Insurance agents have a huge role in the lives of individuals, fam...

The Impact of Healthcare Reform on Small Businesses - Lunch Seminar April 24, 2013

Healthcare Reform will have an impact on your bottom line, but how? Come find out how the healthcare bill is going to affect you and your business in 2014. We will also be sharing information about what the healthcare bill missed the boat on and how it could cost you a TON of money.  ** RSVP Here ** Click here to view PD...

Penalties for Employers Not Offering Affordable Coverage Under the Affordable Care Act

Penalties for Employers Not Offering Affordable Coverage Under the Affordable Care Act starting in 2014 Penalties will be important for business owners to make the right decision.  This is especially true for employers that have at least 50 full-time equivalent employees.  The flowchart below (click link if you cannot see it) has a nice layout to sh...

The Requirement to Buy Coverage Under the Affordable Care Act Beginning 2014

The requirement to buy coverage in 2014 is a little confusing these days.  Thanks to the help of the Kaiser Foundation, they came up with a flow chart to make it a little easier.  This is important going into the new law.  We decided to post the PDF here in the blog.  If you can see it click on the link: The Requirement To Buy Coverage Under the Af...

Health Insurance Agents Quit! Maybe Not...

In the Medical Loss Ratio part of the Healthcare Reform Law of twenty-ten, the health insurance agent's commissions were cut in half, or more in some cases. With a financial disincentive, health insurance agents are reluctant to services their business due to the loss in income. It is tough to move forward when your commissions are slashed in half. Am...

Medical Loss Ratio - Insurance Agents Are Up To Bat, Again

The Medical Loss Ratio (MLR) has put health insurance agents through the ringer with their strict ruling of including agent commissions in the MLR. Third and fourth quarter of twenty-ten, advocates and lobbyist went to bat for the health insurance agents in Washington. The government insisted that the insurance agents were part of operating expenses. Mo...