Monday, October 21, 2013

If You Like Your Health Care Plan You Can Keep It?

Remember at a Town Area conference in New Hampshire on Aug 11, 2009, the Chief executive said, "if you like your health proper care insurance strategy option, you can keep your health proper care insurance strategy option." I have been in the strategy company for many decades, and as we have moved toward the execution of the Affordable Care Act, it became increasingly more obvious that you would not be able to keep your health proper care insurance strategy option. Many of the strategy companies have remaining the industry. Since the bill became a law, some of the providers that I have worked with over the decades such as Major Financial, United states Community, World Insurance and United states Republic, have remaining the Wellness Insurance Market. If you had one of those providers, think what, you cannot keep your health proper care insurance strategy option.

This few days several of my clients covered with Celtic insurance strategy, obtained characters that their programs are not health proper care change certified and they will be ended efficient Dec 31, 2013. That is a nice piece of mail to receive. Celtic is a service provider I have placed a lot of company with over the decades. I was presented in their first quarter of 2012 publication as their presented agent for the quantity of production I did with that company. Celtic is based in Chi town and is owned by Centene Organization (CNC).

While I have seen most of the providers new programs to be certified with the law, I realized my personal insurance strategy policy would likely change. I love my Wellness Benefits Consideration (H.S.A). I have a $5000 insurance deductible and I pay all charges up to that quantity. I have also financed the savings take into account the medical expenses I may have.


Today, I obtained the correspondence from Red Cross/Blue Protect of IL. The first passage of the correspondence states, "The new health proper care law is efficient Jan 1, 2014, and Red Combination and Red Protect of IL (BCBSIL) is offering brand-new programs with important pros and cons. This means the BCBSIL health insurance strategy policy you now have will no more be available for restoration as of Dec 31, 2013."

It goes on to tell me they will send me information in the near future of a similar strategy or a different strategy that would be available. Now I realized this day was coming, but it strikes you harder when it actually refers to you. As a broker, I can usually figure out what type of insurance strategy is best for each customer. As a mother or father, and husband, I know what type of insurance strategy is best for my family. I also believe that health insurance strategy should be type of like automatic or property insurance strategy in so much as, they are designed to pay for things you cannot pay for yourself. My automatic insurance strategy does not pay for my oil changes on my car because it is precautionary. I still get the oil changed every 3,000 kilometers even though my insurance strategy does not pay for it. I go see a physician regularly and I have no problem paying the $100 every so often to see the physician. I do not need a co-pay of some type to motivate me to go to the doctors. If I am sick I will go. I do not need pregnancy on my health strategy as I am no more having children.


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