Insurance
The Root of All Evil Around the ACA/AHCA Debate

Inaugural “See Me After Class” Award

 Didya Know The Press May Distort Stuff? The problem with the inexact presentation of facts is that it limits the ability for people to reach a practical, workable compromise. Everyday people cannot be reasonably expected to know these facts, unless they are...

The Root of All Evil Around the ACA/AHCA Debate

The ACA War: Truths and Myths

The Problem Is You Only Get Partial Address of Issues. Except Here. The reasons you get only a partial list? There are actually many, but these are the most annoying. Person has another agenda which doesn't acknowledge that there are valid counter-arguments that...

The Root of All Evil Around the ACA/AHCA Debate

Medicaid and Extra Help Don’t Have a Calendar 

Every year, the way that Extra Help and Medicaid interact changes. This year is no exception. If you receive Extra Help, the federal program under which you can receive premium and copay relief, there are special, not widely-known factors that come into play. The Part...

The Root of All Evil Around the ACA/AHCA Debate

Want to Change to Medigap?

I am an expert contributor (one of 5) to an excellent website, called MyMedicareAnswers.com, powered by Humana Inc, and here is the most recent article to that site. If You Want to Change, Now is the TIme to Think Let's say that your personal situation has changed, or...

The Root of All Evil Around the ACA/AHCA Debate

The Big Short and Obamacare

Wait, Isn't The Movie About Housing? Yes, that's true, but it is more about the jobs of the characters in the movie. Remember the Scene With the Chef? Roughly speaking (very roughly), the Chef was taking different ingredients, mixing them together and selling soup....

The Root of All Evil Around the ACA/AHCA Debate

Expect Higher Medicare Premiums in 2017

“Hold Harmless” Will Become News Again To many, a new phrase entered Medicare beneficiaries’ vocabulary last year. That phrase is “hold harmless.” This single phrase had ripple effects last year, and it is very likely going to be the case again this year.   What...

The Root of All Evil Around the ACA/AHCA Debate

Employers Cutting Health Benefits for Spouses

Unpopular Opinion Alert! This isn't really news, but it is mentioned in this post. The reality is that this may make financial sense for the employer, and surprisingly for the employee as well. Why? a. The spouse can cost more than the employee depending on the...

The Root of All Evil Around the ACA/AHCA Debate

Nothing from BCBS Michigan yet….

Tick, Tock... It doesn't change my thought process. I have very specific thoughts for those that are: Turning 65 years old this year, OR have turned 65 after Feb 1, 2016 In good to excellent health and under the age of 70 Over 70 Has a poor health situation If you...

The Root of All Evil Around the ACA/AHCA Debate

Federal Employee Health Benefit (FEHB): How-To

The Federal Employees Health Benefits Program (FEHB) is a comprehensive benefits program for both active employees and retirees. There are a lot of important details to keep in mind. a. The Part B Late Enrollment Penalty is not waived if you decide to enroll in...