News

Obamacare vs. Medicare

Our seniors have indeed earned the right to Medicare coverage through a lifetime of hard work. This sector of medical care is already a controlled and subsidized program, and anyone enrolled in Medicare is not considered to be among the “uninsured.” Therefore, there is no need for seniors to enroll in the Health Insurance Marketplace or seek other forms of …

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Health Care: Lost Coverage, Pre-Existing Conditions and Exclusions

Lost Coverage It’s human nature. Negative news tends to get our attention a whole lot quicker than warm, fuzzy, feel-good news. And, there’s a lot of negative news out there about Obamacare. Not a day goes by that we don’t get a call that starts off with, “I’m losing my coverage,” or “I heard my friend is being dropped. Am …

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Healthcare Myths, Realities, and Consequences

Myths There is a lot of information and discussion “out there” about the new health care law. Some of it is good. Some of it is very confusing. Conflicting messages, inaccuracies, negativity and hearsay have led to many misconceptions. We regularly hear things like: Health insurance plans must be purchased through the Marketplace. This is false. Individuals and business owners can …

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Navigating the New Health Care Landscape

The only constant is change, and that is especially true as it relates to our health care system. The Affordable Care Act (ACA) has provided another option for most Americans, but it can be complicated and difficult to understand. We’re here to make sure you have the facts and get the answers you need. The first thing you need to …

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Have you heard?

It’s National Long Term Care Awareness Month. It is important to educate ourselves about this growing need and initiate constructive conversations with our loved ones. Mention the term “retirement plan” and what comes to mind? Most people think of things like investments and saving plans; leaving the workforce; travel; taking up a new hobby; Medicare–even drafting a will. As retirement …

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So You Have Life Insurance—But is it Enough?

Life insurance may be one of the most important purchasesyou’ll ever make. However, many people greatly underestimate the amount of life insurance needed. In order to answer the question of, “how much?” ask yourself: Upon your death, how much will be needed to meet your current obligations? – (Income shortfall for your family, significant debts, funeral expenses, the cost of …

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Boomer Esiason’s realLIFEstory – A Life Lesson Learned Early

A record-setting NFL quarterback, and now a seasoned radio and TV broadcaster—that’s how most people know Boomer Esiason. But before his fame on and off the gridiron came a tough road for Boomer and his family. When he was just 7, Boomer’s mother, Irene, who was 37, died of cancer. That left Boomer, his father and his two teenage sisters …

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Exchange Notice Model Available for Employers to Share with Employees

On May 8, 2013, the Department of Labor (DOL) issued TechnicalRelease 2013-02, which provides guidance for employers regarding the requirement to notify employees of coverage options available through Exchanges, also called Health Insurance Marketplaces. This notification must be provided to current employees by October 1, 2013. This Model Notice to Employees of Coverage Options is available for employers to use today, if they wish. …

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Summers Mean Backyard Grilling – Safely!

Just like hamburgers and hot dogs, a sizzling grill is a symbol of summer —and grilling isn’t just about great food. Backyard barbecues often create treasured memories with friends and family. Keep in mind, however, that when you grill, you’re literally playing with fire. Thousands of residents each year learn this the hard way, suffering damage to their homes or …

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White House Delays Employer Health-Care Mandate

The Administration has announced that it will put off for one year, the implementation of the employer health-care mandate. The Affordable Care Act requires that companies with 50 or more employees provide health insurance or pay a fine. This mandate was to begin January 1, 2014, but the U.S. Treasury announced yesterday that this requirement will not be implemented until …

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