Has COVID-19 Affected Your Health Insurance?

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What if I lost my Health Insurance due to job status change?  First, just know that you have options.

If you lost your job and were on a group plan: You now have 60 days to find new coverage. If you would like to get a Marketplace Plan (aka Obamacare) then you have a special open enrollment and as long as you choose a plan within 60 days of losing your group plan. Depending on your new income (or non-income) status, you might even qualify for a government subsidy to help you pay for your Marketplace plan.

If your job is offering COBRA- STOP! This might not be your best option. COBRA does not take into consideration your new income level and most of the time COBRA is your most expensive option.

What if COBRA is too expensive, and the marketplace plan is too, because of your overall income? If it is also too expensive, I do have other options. There are some great options that are about half the cost of both COBRA and Marketplace!

If all of this sounds confusing, just reach out to me and I will gladly walk you through the maze of your options.

Which plans cover COVID-19? That is a great question right now, and I know people that are really concerned about this virus.

What if I am hospitalized or have to be in the ICU for weeks. What if? Never before in our lives did we have to worry so much about our health and wonder if we have the right coverage.

  • The policies that cover pre-existing conditions will be the Marketplace (aka Obamacare) or COBRA. So, if you currently are dealing with a major illness or even COVID-19, both of these plans will cover you right away.
  • If you have no pre-existing condition, but would just like to save money, then Short Term Medical plans would be a great option.

These plans will cover COVID-19, if you get it in the future, but as of now the cost will be about ½ of what you will pay for COBRA or the Marketplace. Short term medical is a good option for low cost coverage. It’s always better to be safe and covered with an insurance plan.

If all of these insurance options are overwhelming and confusing, that’s where I come in! Just reach out to me and I will make it very simple.

Health Insurance Helps Your Physical Health, and Your Financial Health!

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According to a recent study, signing up for health insurance may be one of the most important financial decisions you make this year. But for many, this decision is not an easy one.

Many people think that the Premium Cost, high Deductibles, additional Co-Pays, or multiple policies with industry jargon is overwhelming! Some people get frustrated and so they never make a plan at all, and then a medical emergency hits you, and you wish you had gotten the insurance.

With rising prices, it’s easy to see why you may dismiss getting a Health Insurance Plan altogether, but experts now that health insurance isn’t just good for your physical health, it’s good for your financial health, too! A good health insurance can actually protect you from financial ruin and bankruptcy.

As reported by MarketWatch:

People are twice as likely to file for bankruptcy if their health insurance has been interrupted, according to a new study published this week. In fact, all it takes is a coverage gap within two years for the chance of bankruptcy to jump twofold, according to the study published by the American Bankruptcy Institute.

So, before you decide on whether to get Health Insurance coverage, be sure to speak with a knowledgeable agent about all the Health Insurance options available to you. There are a variety of affordable insurance options to choose from that may fit your situation best.

As the Insurance Nana, I have counseled countless individuals and families, as they navigate these really difficult questions about health insurance or life insurance. My mission is to find an affordable option for health care and coverage that best fits your needs.

If you need to make a decision concerning your Health insurance, Call the Insurance Nana at 770-527-5598 https://insurancenana.com/


A Medicare Supplement Policy Could Save You Thousands!

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Once you hit the age of 65 you can become eligible for Medicare. While Medicare does provide a good deal of medical coverage, it doesn’t cover it all. This is why some people choose to purchase a separate policy that helps to fill in the gaps of Medicare coverage. This type of policy is known as Medicare Supplement insurance.

What Exactly Does Medicare Supplement Insurance Do?

Medicare Supplement insurance, which is also known as a Medigap policy, is a type of extra health insurance that you can buy from a private company.

The purpose of a Medicare Supplement Policy is to help pay for some of the health care costs that are not covered under the benefits you receive from original Medicare. This includes things, such as:

  • Co-payments
  • Deductibles
  • Co-insurance

In addition, some Medicare Supplement policies may also provide coverage for medical care if you travel outside the United States.


How Does Medicare Supplement Insurance Work?

Since Medicare Supplement insurance is designed to fill in the holes in coverage that Medicare doesn’t cover, Medicare will first pay its share of the approved amount that is covered for your health care costs. Once that amount has been determined and paid, your Medicare Supplement policy will step in and pay its share.

How Do You Pay for Medicare Supplement Insurance?

Medicare Supplement insurance is billed to you in a way that is similar to other types of insurance that you may buy. You pay a monthly premium for your Medicare Supplement policy just as you would a regular healthcare insurance policy.

How do you qualify for Medicare Supplement Insurance?

To qualify, you must first already have Medicare Part A, which is the part of original Medicare that pays for hospital services, and you must have Medicare Part B, which provides coverage for the cost of doctor services. Once you have Part A and Part B, and if it is your Open Enrollment period, which is 3 months prior and 3 months after your 65 birthday, or your guarantee issues period, which is 63 days after you lose coverage from work, then you can purchase a Med Supplement with no underwriting or medical questions asked.

The 5 Things You Need to Know About Medicare Supplement Insurance:

Medicare Supplement policies only cover one person. If you want both you and your spouse to have this type of coverage, you will each have to buy your own separate policy.

As long as you pay your premium each month, the insurance company cannot cancel your policy. This means that any standardized Medical Supplement policy is guaranteed as renewable even if you suddenly find that you have developed health problems.

Although Medicare Supplement policies were once able to cover the cost of prescription drugs, this is no longer the case. Policies there were sold as of January 1, 2006, can no longer include a prescription drug coverage If you do want to have prescription drug coverage, you can do so by joining a Medicare Prescription Drug Plan (known as Part D). Even if you are not currently taking any prescriptions, if is still important to purchase a Part D – ask me why!

A Medicare Supplement policy does not cover everything. Most policies do not cover vision or dental care, hearing aids, eyeglasses, private-duty nursing, or long-term care.

Premium costs may vary depending on the plan and location. In some cases, even if it is for the same standardized benefits. In fact, most Part D plans are very reasonably prices, some as low as under $30 a month. Since this is not something you have to purchase, let me know if you would like something like this and we can discuss your options.

Is a Medicare Supplement Policy Right for You?

Now that you have a better understanding about Medicare Supplement insurance plans, you are probably wondering if one of these plans is right for you. I would love to sit down with you and help you figure this out. There’s a good chance I am already helping one of your neighbors in Acworth, Kennesaw, or Marietta.

Let’s set up a time to talk. It’s easy to do. Just click here and fill out the form. I’ll receive an email and get back to you right away. Or, call me at 770-527-5598. I look forward to assisting you.

A Testimonial:

“I had been hearing such controversy regarding Obamacare, the whole subject was confusing. Luckily, the Insurance Nana explained all our options and now we’re saving on the cost of health insurance!” –Dr. Edward M.

>>>Still not convinced if Medicare Supplement Insurance is right for you? Watch this video to hear Keith Ivey’s personal experience with Medicare Supplement Insurance:


Group Health Insurance Is About to Undergo Major Changes


Many of us may not have access to group health insurance. Small businesses don’t always offer it, for a variety of reasons.

Do you want to set up a group health insurance plan, but have been avoiding it because of the cost? You may have found that it is very expensive. In a regular group plan, the owner of the company must pay 50% or more of the premium for ALL of their employees. For many small companies, this was a very expensive cost that they may not have been able to handle.

Another scenario for health insurance, is that each year the premium goes up and up, and each year you are paying more and more to keep it.

Things may be about to change with health care plans…

This new option allows companies to just set up an HRA account through their payroll

and budget a certain amount of dollars to each employee, so that they can go out and buy their own health insurance. This will also be pre-tax dollars.

You can even designate different dollar amounts to certain employees, based on years of employment, or job title.


  • The Senior manager may receive $500 a month.
  • Management may receive $400 a month.
  • Entry level employees may receive $250 a month.

This would save the company money AND allow each employee to have control over what benefits they want to pay for. It’s a Win-Win!

If you are ready to get started with a new health insurance plan, your next step is to call me. I will gladly meet with everyone to figure out which Health Insurance plan will meet each individual employee’s needs.  All the employer has to do is talk to their payroll department and set up the HRA account.  It is really that easy.

I can come to your location, meet with anyone that is interested in getting health insurance plan, and they can pick the kind of health insurance plan that they want.

Interested in Obamacare? Let’s see if you can qualify for a subsidy. If your income qualifies, you may still receive that subsidy because you don’t have access to a group health plan. In other words: you may can get both!

Call me if you want to find our more about health care insurance plans, HRA accounts or Obamacare. Call the Insurance Nana at 770-527-5598 https://insurancenana.com/


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. https://insurancenana.com/