Medicare Part A, B, C & D

The A, B, C, & D of Medicare Breaking down the basics & what each part covers.   Provided by M. Zachary Zinser   Whether your 65th birthday is on the horizon or decades away, you should understand the parts of Medicare – what they cover, and where they come from.   Parts A & […]

3 Common Medicare Questions

This is always a popular topic; it seems we get calls about this weekly.  Here are three common questions.   1 – When Should I Apply? Medicare eligibility begins when a person turns 65, or has a qualifying disability.   Applicants should start applying for Part A of Medicare the three months prior to a […]

Qualifying for a Subsidy May Make You Ineligible for an HSA Plan

If someone buys a Health Savings Account (HSA) plan, federal law requires that health plan to have a deductible of at least $1,250 per individual and $2,500 per family.   If you select a Silver level HSA plan on the exchange, if you receive special discounts, those discounts may make you ineligible for the HSA. […]

Updated Enrollment Numbers

I read in some online publications today that President Obama’s administration finally released some enrollment numbers of citizens enrolling in medical insurance plans for January 2014. I have my own questions about these numbers. Some of this information is taken from articles across the Web, but most of it is from Ezra Klein’s blog, which […]

Understanding ObamaCare

Here is some information to help you navigate Obamacare. 1 – Does your current health insurance plan need to change? If you have a grandfathered plan your going to be able to keep your plan (as long as the health insurance company you have your grandfathered plan with allows you to do so). If you […]

Three More Changes to Health Reform Law

This was taken from a Humana email I received late yesterday. Three more changes to reform law In the past two weeks, the Obama administration has announced three major changes. Consumers will now have until Dec. 23 to enroll in coverage to begin on Jan. 1. The deadline had been Dec. 15, “but since so […]

Kentucky Health Benefit Exchange

We are a week away from the Kentucky Health Benefit Exchange.  I’m in the process of completing the training in order to sell in the exchange.  Hopefully rates will be available soon. kynect.ky.gov    

Modified Community Rating

This week’s Business First of Louisville had an article about Modified Community Rating.  Director of Government Relations Lawrence Ford is quoted throughout the article. Here’s the link: http://www.bizjournals.com/louisville/print-edition/2013/05/24/modified-community-rating-system-is.html Mr. Ford does a good job of explaining how this will impact Kentuckians rates.  He highlights two issues.  The first is younger people subsidizing the older population. […]

Kentucky Expands Medicaid

Yesterday Governor Steve Beshear announced Kentucky’s decision to expand Medicaid.  A link to the article in the Courier-Journal is below: http://www.courier-journal.com/article/20130509/PRIME07/305090046 Figures from the 2012 U.S. Census Bureau tells us that 308,000 Kentuckians will now be eligible for this coverage.  The next step is for these newly eligible citizens is to enroll.  The National Association […]

The Cost of Health Care

On the front page of the Louisville Courier-Journal this morning (and the first story I heard this morning on CNN), the headline reads “The Cost of Health Care”.  Apparently hospitals try to make money, who knew? In all seriousness, this is something that we’ve been talking to our clients about since 2003.  This is a […]