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Calculate your cost
for health and life Insurance!
Get Rates & Plans Now

Or call today!
877-734-3884

ACA June 2021

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Volume 3, Number 21

Latest News and Updates

The Biden Administration announced on May 11 that over 1 million people have enrolled for Affordable Care Act coverage during the COVID-19 special election period that runs until August 15.

The US Preventive Services Task Force has lowered the recommended age for colorectal cancer screening from age 50 to age 45.

Dental insurance can be bought on a year-round basis and is not limited to being bought during an open or special enrollment period. We offer many different insured and discount plans, including a particularly attractive insured plan from NCD that can be purchased with up to $5,000 of yearly coverage.

HEALTHCARE.GOV SIGN-UPS DURING COVID-19 SPECIAL ENROLLMENT PERIOD EXCEED 1 MILLION

The Biden Administration announced on May 11 that over 1 million people have enrolled for Affordable Care plans in the 36 states that participate in the Federal Facilitated Marketplace on healthcare.gov during the COVID-19 special enrollment period that began February 15 and has now been extended to August 15.

People who enroll during this special election period do not have to show proof of a qualifying life event (e.g. a move outside the service area, birth of a child, etc.) in order to enroll in a plan. Tax subsidies (which are used to reduce premiums) have been expanded under the American Rescue Plan Act which was signed into law on March 11. We encourage those who are not insured or who have not already updated their healthcare.gov applications to contact us at 561-734-3884 or 877-734-3884 to determine if they are eligible for coverage and/or increased tax subsidies.

AGE GUIDELINES LOWERED FOR COLON CANCER EXAMS

The US Preventive Services Task Force (USPSTF) lowered the recommended age for colorectal cancer screening on May 18 from age 50 to age 45. Colorectal cancer screening is now recommended for adults age 45 to 75. Screening between age 50 and 75 is an “A” recommendation and screening between age 45 up to age 50 is considered a “B” recommendation.

Insurance plans meeting Affordable Care Act guidelines are required to cover in-network preventive care costs for “A” and “B” preventive care services. If you’re between 45 and 50 and need a colorectal cancer screening test now, we recommend checking with your insurance carrier to verify that they've implemented this change.

The change was first proposed last year with a request for comments and was finalized on May 18.

Read the USPSTF Bulletin announcing this change here.

Click here for a complete list of the preventive care guidelines.

BUYING DENTAL INSURANCE

Whereas Affordable Care Act health insurance plans can be bought only during open enrollment or a special election period, dental and vision insurance can be purchased at any time of the year.

Most dental insurance plans have yearly coverage limits of either $1,000 or $1,500, but we can offer NCD dental (provided through Nationwide Insurance) that has coverage limits of up to $5,000 at a very reasonable and competitive premium. If you’ve had PPO dental coverage with at least $1,000 of coverage for at least a year, the normal one year waiting period for major services can be waived.

We offer plans from many other carriers and offer dental discount plans as well.

Please call us at 561-734-3884 or 877-734-3884 for details and for help in enrolling for coverage.

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HEALTH

DENTAL

MEDICARE

DISABILITY

LIFE

2022 Schedule
Affordable Care Act Open Enrollment

Unless changed by the Biden Administration, Open Enrollment begins
November 1, 2021 and ends December 15, 2021
on the federal facilitated marketplace for plans to start January 1, 2022.

Between February 15 and August 15, 2021 you can enroll in a plan
during the COVID-19 special enrollment period. The plan will be effective
the first of the following month.

Otherwise, before the next open enrollment period starts you can only enroll
for an Affordable Care Act plan if you have a qualifying life event.

You may be eligible to enroll for another type of plan.
Call us at 561-734-3884 or 877-734-3884 for details.

2022 Schedule
Medicare Annual Enrollment Period

Annual Enrollment begins October 15, 2021
and ends December 7, 2021 for a January 1, 2022 effective date.

You’re eligible to enroll now if you’re first becoming eligible for
Medicare or are eligible for another type of enrollment period.
Enrollment rules differ between Medicare Supplement plans and
Medicare Advantage, Medicare Advantage Prescription Drug,
and stand-alone Prescription Drug Plans.

Call us at 561-734-3884 or 877-734-3884 for details.

Get Rates & Plans Now

We offer a comprehensive set of Affordable Care Act (“Obamacare”) plans

to individuals and families qualified to buy health (tax- and non-tax subsidized) insurance and dental/vision and/or hearing plans through the Federal marketplace (this is called buying “on-exchange” or “on-marketplace”) or directly from insurance carriers (this is referred to as buying “off-exchange or -marketplace”). Our Affordable Care Act policies comply with the Affordable Care Act and contain all of the “essential health benefits” required by that law.

The dental/vision and/or hearing insurance

products are available both on an insured or discount basis

We offer short-term health insurance policies

for those who are looking for more inexpensive coverage and shorter term alternatives.

We offer Medicare Supplement, Medicare Advantage, and Part D Drug plans

to Medicare beneficiaries. Our site is compliant with federal, state, and carrier guidelines in selling these policies. See the Medicare section of this site for details.

We represent many carriers that offer supplemental benefits

to both individuals and families and Medicare beneficiaries, and the site contains information about hospital indemnity, cancer, critical illness, gap, accident, and international medical insurance offered by many different carriers. This section of the site also contains valuable information and tools about lowering the cost of prescription medications. Call us if you want more information about or would like to enroll in one of these products.

We also offer Short- and Long-Term Disability products

and can also help you meet the costs of long-term care, nursing home, or short-term (recovery) care needs.

Finally, we have a complete array of Life, Final Expense, and Annuity products

and offer pre-need services in Florida, as we have both life insurance and pre-need licenses in that state.

You pay nothing for our services:

we’re paid directly from the carriers we represent, Premiums are NEVER EVER marked up to include paying us for our services: you pay the same whether you order directly from the carrier or the marketplace on your own or directly through us or from our site.

We ONLY offer alternatives that are suitable for you and for which we feel meet YOUR needs.
When or if we feel a product or service is not appropriate for you from either a cost or benefit point of view we will tell you so.

We’re fully compliant with privacy and security guidelines, have signed all required privacy and security agreements, have developed a privacy and security policy, and take extraordinary steps to safeguard your protected health and personal information.
In short, we’re experts in all aspects of health and life insurance and also have relationships with professionals who can help you with very specialized situations.

More choices
Lower rates!

Calculate your health Insurance cost!

Get Rates & Plans

Or call today!

877-734-3884

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11698 Briarwood Circle, Suite 4, Boynton Beach, FL 33437

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