HELPING YOU GET THE MOST FROM NATIONAL HEALTHCARE
If you are turning 65 or you are 65 + and retiring from your place of employment
and losing your group coverage, you have 90 days prior to the qualifying event
(e.g. your birthday or the date of losing your coverage) and 90 days after the
qualifying event to sign up for either a Medicare Advantage or Medicare
Supplement plan as guaranteed issue policies. Continue Reading
A person who pleads on someone
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recommends a particular cause or
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Overland Park, KS
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Hello. I’m Cary Hall, host of America’s Healthcare Advocate and President of Benefits By Design, Inc. Whether you need
individual, family or employer-sponsored health insurance, we will help you find the best Kansas City health insurance provider &
a plan that fits your needs and fits your budget. Discover the difference an advocate can make for you! --- LEARN MORE
When Should I Sign Up For Medicare?
WASHINGTON — The Obama administration plans on Wednesday to
propose expanding Medicare to cover programs to prevent diabetes among
millions of people at high risk of developing the disease, marking the
sixth anniversary of the Affordable Care Act with the prospect of a new
benefit Continue Reading
Medicare Proposal Takes Aim at Diabetes
America's Healthcare Advocate is pleased to announce its newest affiliate:
WBCR 1470 AM in Alcoa, Tennessee. We want to thank Adam Miller and
the folks at Genesis Communications Network for the opportunity and
welcome our new audience in Alcoa, Tennessee.
America’s Healthcare Advocate Lands In The Volunteer State
Only 28 percent of millennials are enrolling in ObmaCare. Why? Could it
be the cost of coverage versus the $695 penalty? In The Wall Street Journal
article below you will get a clear understanding of why millennials aren’t
enrolling and its impact on the cost of health insurance… Continue Reading
A Millennial’s ObamaCare Lament
You can expect sticker shock this year if you’re renewing an ACA ObamaCare
plan. The Wall Street Journal article below explains why insurance carriers are
going to be raising premiums and pulling out of the marketplace. It’s not a
pretty picture… Continue Reading
Aetna’s ObamaCare Shock
The Sun Came Up Again This Morning
I don’t often post comments on political issues because
of my nationally syndicated radio show America’s
Healthcare Advocate. However, today is an exception to
that rule. Right, wrong, left, right, Republican,
Democrat or Independent…regardless of what you are
or who you are, the American people spoke last night:
loud and clear. I’m old enough to remember another
election when a B movie star and California cowboy
was elected the 40th President of the United States. The
pundits all predicted the world would come to an end,
that we would have a nuclear exchange with the Soviet
Union, and that Barbara Streisand was going to leave the country. None of that happened. What did
happen was one of the most prosperous periods in American History which lasted for over ten years
because of Ronald Reagan’s policies. The Berlin wall came down, and the Soviet Union collapsed.
Ronald Wilson Reagan went on to become one of the greatest presidents in the history of this country:
admired by many, even Barack Obama. Donald Trump is no Ronald Reagan. He’s not a politician.
He’s a TV personality and a larger than life figure who connected with the average American (white
collar, blue collar, Republican, Democrat or Independent). And the great wailing and gnashing of teeth
from the pundits has already begun. If you listened to his victory speech last night, you heard a
conciliatory tone asking that we all come together as a nation. I think Hillary Clinton said it best today
in her concession speech: “We owe him an open mind and a chance to lead.” Who knows, perhaps he
will exceed all expectations just like Ronald Reagan did.
Using the budget resolution process, Republicans will move forward with the
four committees that control healthcare policy: two in the Senate and two in the
House. This process requires only 51 senators to be present and vote, therefore
eliminating the Democrat minority ability to block the repeal. The repeal will
begin in the form of a reconciliation bill Continue Reading
The Truth About The Repeal And Replacement of ObamaCare: What Will Really Happen
Republicans in the House and Senate are increasingly talking about repairing
and replacing ObamaCare as opposed to swiftly repealing and replacing.
House Speaker Ryan said the discussion of repairing the law wasn’t
inconsistent with plans to repeal and replace it. In reality, the ObamaCare law
is two thousand pages of extremely complex healthcare law with over ten
thousand pages of actual regulation issued by CMS, Health and Human
Services, and the IRS, meaning this is no easy task and will need to be thought out and vetted thoroughly
before action is taken or the unintended consequence could result in throwing the individual, family, and
employer-sponsored group health insurance market into chaos.
The first thing that needs to happen is a shoring up of the individual and family health insurance market.
This year 9.4 million people enrolled in ObamaCare (that’s 450,000 less than last year) in large part due to
skyrocketing premium increases like 116 percent in Arizona, 48 percent in Missouri, and 29 percent in
Kansas. Another contributing factor was United, Aetna, Humana, and Cigna abandoning many
individual and family health insurance markets across the country resulting in only one carrier willing to
supply coverage (usually Blue Cross and Blue Shield).
The GOP wants to steady the individual and family health insurance market to improve access, bring
carriers back into the marketplace, and lower premiums. The Secretary of Health and Human Services,
Tom Price, is expected to use the authority President Trump authorized in his executive order on
ObamaCare to close loop holes that allow people to game the system obtaining coverage after they are
already sick but not signing up during open enrollment.
Other ideas being discussed in both the House and Senate include direct block grants to the state which
could reduce costs from the current 20 billion for ObamaCare to 16 billion and allow states to tailor plans
to their population’s needs. Additionally, the 21st Century Cures Act signed by President Obama on
December 13 is already in place and could give employers with less than 50 employees more flexibility in
the marketplace and would allow them to implement HRA (Health Reimbursement Accounts) for group
health insurance giving employers a defined contribution model.
President Trump and Republicans in the House and Senate know they need to get this right and not come
out of the gate with something that is ill thought out and badly implemented in the individual, family,
and employer/group health insurance marketplace. They also seek to give relief to employers from the
more onerous regulations and taxes imposed under ObamaCare. Anticipate changes between now and
April but don’t expect a complete repeal and replace until the fall of this year, maybe even later.
America’s Healthcare Advocate
The Repeal, Replacement, And Repair of ObamaCare
Join me and my guest, John Dwyer, this weekend from the GAP
Foundation as we discuss Alzheimer’s disease and the
devastating impact on 15 million Americans and their families.
The GAP Foundation is pioneering research that will lead to the
cure for Alzheimer’s. This show will be extremely informative,
and we welcome you to join us.
With the collapse of the Republicans’ plan to repeal and replace Obamacare,
employers’ and business owners will probably experience significant premium
increases again this year, especially if they are on an ACA plan and have not
been grandfathered in. Having said that, it is imperative for employers to
recognize that cost shifting these increases to employees through higher payroll
deduction, larger deductibles Continue Reading
How Small Employers with Under 50 Lives Can Buy Insurance like Costco, Whole Foods and