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From the category archives: Insurance Protection Blog


HEALTH INSURANCE OPEN ENROLLMENT - 2019 Important Dates to know

If you are enrolled or enrolling in Medicare and would like additional information, you can call us at 800-362-2809 or CLICK HERE  We have Medicare Specialist on staff to assist you with making an informed decision regarding your 2019 plan.

If you are under 65 years of age and enrolled or enrolling with individual insurance plan, NEW Plans have been introduced into the market that provide lower cost alternatives to the traditional plans within the exchange.   If you or your family are seeking coverage, call our staff at 800-362-2808.   

We have solutions for every budget.

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Open Enrollment for Individual Health Insurance Plans

It is that time of year.   Open Enrollment for individual insurance coverage through and outside the exchange must be completed by December 15th to secure coverage for 2018.   Much has changed in the Individual Health Insurance market place:
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Special Election Period (SEP) for Medicare

Wondering if you or a someone you know that is enrolled with a Medicare Advantage Plan can change plans?   Special Election Periods (SEP) exist throughout the year. Examples of Special Election Period Situations Medicare Advantage (MA) enrollment opportunities exist throughout the year. Examples of actions that can create an SEP for clients include:  • Moving out of their current plan’s service area • Moving to an address within the current plan’s service area, but other plan options are available • Moving back to the United States after living in another country • Moving in or out of a skilled nursing facility or long-term hospital • Losing credible coverage such as from an employer or union • Having their MA plan contract terminated by Medicare • Being no longer eligible for Medicaid  • Being released from jail If you have questions or would like to speak with one of our licensed Medicare Specialist, call us at 800-362-280 ...
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Open Enrollment for Individual Health Insurance Coverage has ended 01/31/2017 - What are the ways you can qualify for coverage during the lock out period?

Now that our National Open Enrollment Period has ended, you are no longer eligible to enroll within the exchange or on a private health plan unless you have a Qualifying Event.   What is a qualifying event or Special Election Period?   What are your options post Open Enrollment.
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How is Trump Planning to change Health Insurance in America?

Trump vows 'insurance for everybody' U.S. President-elect Donald Trump aims to replace Obamacare with a plan that would provide "insurance for everyone," he said in an interview with the Washington Post. Trump did not give the newspaper specifics about his proposals to replace Obama's signature law, but said the plan would be ready to be reviled soon after the Republican president-elect takes office on Friday. The plan, he said, would include "lower numbers, much lower deductibles," but did not elaborate on specifics about the plan. “We’re going to have insurance for everybody,” Trump said. “There was a philosophy in some circles that if you can’t pay for it, you don’t get it. That’s not going to happen with us.” Trump was also quoted as saying in the interview that he would target pharmaceutical companies over drug pricing and insist they negotiate directly with the Medicare and Medicaid government health plans for the elderly and poor. We have attac ...
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Must Know Tips for Fighting This Year's Flu

Want to know how you can help your body prevent the FLU? Read this
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Average senior’s Social Security check to increase a measly $4 in 2017

If you or a loved one are on Social Security, you need to read this article.   Call our office to learn how to stretch your Social Security Dollars with comprehensive and compliant plans.    Contact Stevan Delossantos at 281-448-3040 or 800-362-2809
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What to Do When Your Doctor Leaves Your Health Plan

There’s no easy answer, but knowing your options can help.

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Time is running out to secure a Health Plan in 2016

In case you did not know.......   The Affordable Care Act (ACA) is in effect and is the law of the land.    President Obama's signature law, requires all American Citizens to obtain / purchase health insurance coverage or pay a tax (2.5% of gross annual income in 2016).   If you do not enroll on a plan, you must wait until open enrollment season next year to obtain coverage.  The Open Enrollment Period for the 2016 ACA has been extended to January 31, 2016.   If you do not obtain health insurance coverage through your employer, a private health insurance carrier or the Federal Exchange, the tax will be accessed on your 2016 income tax return.   There are exemptions and you can review a list of those HERE  If you or a loved one has not obtained coverage, call us at 800-362-2809.  Most that enroll through the federal marketplace pay very little for the coverage and if you have not investigated this option, we would encourage you to consider ...
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Health Care Law:Tax Considerations For Employers With Less than 50 Employees

Some of the tax provisions of the Affordable Care Act apply only to employers with fewer than 50 full-time or full-time equivalent employees (FTE). That being said, employers with fewer than 50 FTE should take note of these special tax considerations:


  • More than 95 percent of employers have fewer than 50 full-time employees or equivalents and are NOT subject to the employer shared responsibility provision.
  • Calculating the number of employees is especially important for employers that have close to 50 employees or whose workforce fluctuates throughout the year.
  • If an employer has 50 or fewer employees, it can purchase health insurance coverage for its employees through the Small Business Health Options Program.
  • Employers that have fewer than 25 full-time equivalent employees with average annual wages of less than $50,000 may be eligible for the small business health care tax credit. These employers are eligible for this credit if they cover at least 50% of their full-time employees' premium costs, and the coverage is purchased through the SHOP.

Important Information For Self-Insured Employers.


All employers, regardless of size, that provide self-insured health coverage must annually file information returns for individuals they cover. The first returns are due to be filed in 2016 for the year 2015.


 In general, the amount reported should include both the portion paid by the employer and the portion paid by the employee. In the case of a health FSA, the amount reported should not include the amount of any salary reduction contributions.  For additional information regarding how the ACA affects you and your business, CLICK here


Call us at 800-362-2809

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