Changes in Life can lead to a Healthier Lifestyle

Amy Kelley, The Insurance Nana, shares her story below for how she got started in insurance and why she considers her job to be so rewarding.

“I love my job as an insurance agent. I love helping people find the insurance coverage they need for their family, and for less. Helping people navigate the complicated world of health insurance is a passion of mine. I had to learn first-hand, how to understand the complicated world of insurance, at the young age of 21.

Having grown up in Miami, young people thought it was a good idea to use baby oil instead of sunscreen. This was a bad idea, and it led to skin cancer. It was a difficult time in my life that made me worry about my future. I also had to learn how to get my medical bills covered with my limited policy. After experiencing a cancer diagnosis, I did my best to avoid getting skin cancer, again. I changed my lifestyle and adopted better habits.

My life took another sharp turn (years later) when I found out that I got custody of my grandson. At the age of 47, I took a young child into my home, full time. Raising my grandson would be a full-time job. It was now essential that I maintain my health, stay active, and get a good insurance policy, for the sake of my family. Many life-changing experiences brought me to this point in life, which forced me to make a big change in my lifestyle. I am now happy and healthy, and I want to share that with others.

My hobbies and passions in life also led me to pursue ballroom dancing (see the picture and video, below). I recently entered my first competition in ballroom dancing and won 1st place in the best of the best, and 9 dance challenges!  My competitive nature led me to pursue that hobby and compete.

In summary, I love the challenge of competition just as much as finding the right solutions to a family’s insurance problems. For me, whether it be ballroom dancing or insurance, I always look to find the right solution to fill a need. This passion pushes me to keep looking for ways to save money on health insurance, and to be the best insurance agent. Having navigated the ever-changing world of health insurance for myself, my grandson, and for hundreds of clients, makes me qualified to help you and your family with health insurance or life insurance!”

If you find yourself getting frustrated with limited health insurance options, or if you need assistance in understanding the complicated world of health insurance, it’s as easy as picking up the phone and calling Amy Kelley, The Insurance Nana!

Here’s the video:




Here Are Your Options for Keeping your Health Insurance after Job Loss or Divorce


What happens when life doesn’t go your way, and a problem arises, cutting off access to your health insurance? Situations like divorce or job loss can impact loss of health care coverage. It happens more often that than you think. But you have options! Here’s what you can do to keep health care coverage….

If you lose health care insurance, but it is not the open enrollment time period, you still have options to get insurance. You can get coverage under a qualifying event. Under a qualifying event, you have 60 days to make a change for health care coverage.

Here are things that make a qualifying event that would allow you to take advantage of a health insurance plan, without it being open enrollment:

  1. If you get Marriage, Divorced or Separated
  2. If you have recently had a Job loss
  3. If you have had a baby, adopted, or added foster children.
  4. A move into a new residence, or change of zip code.
  5. A birthday that causes you to “age out” of your parents policy (over 26 years old)

If you want to try to get coverage outside of open enrollment, you need to meet the requirements listed above.

Listed below are here are a few things that will NOT be considered as a Qualifying Event…

  1. If you lose coverage because you stopped paying for your policy, this does not count as a qualifying event.
  2. If you get divorced or separated, and your policy remains unchanged, or if legal documents state that it doesn’t affect your health insurance.
  3. If you move on a temporary basis, just to get medical treatment, or to try to qualify.
  4. If you sign up for COBRA to keep your employers insurance, but it ended for non-payment.

If you need health care coverage, call Amy Kelley, the Insurance Nana to help you. Understanding health insurance plans can be tricky, but the Insurance Nana can help you! Amy Kelley can help find you an affordable health insurance policy, or help you find a temporary policy. There are so many options in health insurance, and the Insurance Nana can help you find them. Call her today!  770-527-5598.

What Happens If You Cannot Afford Your Employer’s Health Insurance Plan?

So, you got a job with health insurance options. Great! But, what happens if you later find out that you can’t afford the payments? Here’s what to do if you can’t afford the company health insurance…

If you feel like your employer health insurance is too expensive, it could be because premiums and deductibles for group health insurance policies are on the rise.

Here is some data from Health E Deals that further explains why health insurance is so expensive: “Over the past year, on average, worker wages increased 2.6% and inflation increased 2.5%. However, the average health insurance annual deductible for covered workers has increased 53% over the past 5 years, leaving a lot of people wondering how to afford their employer’s high deductible health plan.”

If your employer health insurance coverage is too expensive and you can’t afford it, here are some options for you:

1. Find a health insurance broker that can find a plan to match your budget. There are health benefits available to help with out-of-pocket medical expenses, including what you pay toward your major medical policy deductible as well as your coinsurance and co-payment responsibilities. Medical gap policies are a type of supplemental health insurance that pays a lump-sum benefit when you have a covered accident or critical illness. You can choose from different coverage levels to accommodate your budget. Plus, they are available any time of year—not just during open enrollment.

2. Consider add-ons to health insurance, to bring the extra costs down.
Prescription drugs and visits to the doctor’s office can result in both expected and unexpected out-of-pocket medical expenses throughout the year. There are supplemental non-insurance products that can help reduce the amount you pay. Prescription drug discount cards provide discounts on prescription drugs, both generic and brand name. Thousands of pharmacies accept them nationwide. You present the card when you pay for your prescription, and the associated discount is applied.

3. Use a Tele-Medicine Option, or Doctor On Call (Face-time a doctor)
Tele-medicine provides 24/7 access to board-certified physicians for a few dollars per visit. This service is useful for diagnosis and treatment of non-critical conditions such as urinary tract infections, ear infections, allergies, cold and flu—the physician can even prescribe medications, if needed. These virtual visits are available to you wherever you are, just call.

4. Consider a Health Savings Account (HSA)
A health savings account (HSA) allows you to save money and use it later to pay for qualified medical expenses. HSA funds carry over from year to year, and some earn interest. You can even save the funds and use them when you retire.

You can only enroll in an HSA if you have an HSA-compatible high-deductible health insurance plan. The deductible alone is not an indicator of an HSA-compatible HDHP, rather the plan will be marketed as “HSA-compatible”. If you’re not sure if your health insurance is HSA-compatible, you’ll want to contact your health insurance company to find out what type of policy you have.

With the cost of health insurance and medical expenses rising, you may be looking for ways to make healthcare more affordable in 2019. Gap insurance, add-ons to health insurance, and health savings accounts can be helpful ways to manage your out-of-pocket healthcare costs—you can choose one of these solutions or a combination.
Find a local agent to help you find the right products.

Call us to speak to Amy Kelley, The Insurance Nana, now.

You Have More Options in the Wellstar and Anthem (Blue Cross Blue Shield) Break-Up

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As a small business owner, you are often on the receiving end of bad news.

Supply costs increase and you have to pay it.

A service is eliminated and you scramble to replace it.

Insurance companies wake up with a new idea – and you just have to swallow it.

You started your business to have more control, but now it seems you have less.

Is this life?

This is exactly what thousands of area residents with independent health insurance have been asking themselves. Ever since the contract between Wellstar Healthcare Network and Anthem expired earlier this year these residents are wondering what to do next. In this article, we will talk about the options you have if the Wellstar/Anthem break up has affected you or someone you know!

Read more

Your Guide to What’s New in Healthcare for 2019


It’s time! Although there was speculation as to whether the Affordable Care Act (ACA) would make it through to 2019, it looks like it’s hanging on for at least one more year.

This means it is time once again for another rundown of “what’s new, what’s the same, and what has changed” in the world of health insurance.

There’s a couple of changes I’m really excited about this time around, so let’s take a look. Read more