Replacing Obamacare

Here is my opinion on replacing Obamacare.   It’s complicated. Replacing Obamacare is complicated because health insurance is complicated. View this video presentation of my opinion on repealing and replacing Obamacare.
obamacare repeal will hurt

Obamacare Repeal Will Hurt

Obamacare repeal will hurt 18 million people.  Obamacare repeal will hurt hospitals. Obamacare repeal will hurt thousands of people who work in healthcare because they will lose their jobs.  Obamacare repeal will hurt Medicare beneficiaries. The [...]

Faith Based Health Insurance Plans

   I must admit I do not know much about faith based health insurance plans.  But I did learn today that they are not “insurance”. I talked to someone who knows these plans and…… they might be a good option for [...]

How much a knee replacement costs

Do you know how much a knee replacement costs?  I received this infographic from Blue Cross Blue Shield of Arizona. It looks like Blue Cross Blue Shield negotiates different prices with different providers – and negotiated prices can [...]
bcbs arizona

BCBSAZ will drop Plans

BCBSAZ will drop plans in Maricopa and Pinal County that are offered through the Marketplace in 2017.  These are individual health insurance plans for people under 65. Blue Cross Blue Shield of Arizona has decided to offer individual and family [...]
bcbs arizona

Big Losses for BCBS Arizona

Obamacare plans have meant big losses for BCBS Arizona.  Blue Cross Blue Shield of Arizona has always been a big player in the individual health insurance market and they probably turned a profit in the past.  But new, sicker customers have [...]
senior health insurance plan funding cut

Risk Corridor and Obamacare

Risk Corridor and Obamacare.  What does this mean? According to a review of medical claims from the Blue Cross Blue Shield Association,  new health insurance customers (starting in 2014) had higher rates of diabetes, depression and high blood [...]
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The End of Health Insurance in Arizona.

Individual health insurance in Arizona may not be available in 2017 – for people who live outside Maricopa or Pima counties. The Arizona Republic reports that only Blue Cross Blue Shield of Arizona (BCBS) has filed paperwork to sell individual [...]
unitedhealthcare

UnitedHealthcare Compass Network is Lousy.

The UnitedHealthcare Compass network is lousy in Tucson, AZ but this is not a big news story.  The big story in the news this week is that UnitedHealthcare is dropping out of the under-65 health insurance market in many states. I figure they [...]

Obamacare Tax Questions

I don’t recall hearing so much last year about Obamacare tax questions.  But this year I’m seeing all kinds of emails about new paperwork requirements for tax forms and how insurance agents can help their clients. It is time for [...]

Enrollment Deadline Extended to Dec. 17

The deadline for getting health insurance that would begin on January 1 is being extended to Thursday, December 17th.  The original deadline was last night at midnight, December 15th. The health insurance Open Enrollment Period runs through [...]

Meritus Shut Down by AZ DOI

The Arizona Department of Insurance has deemed the Meritus health insurance cooperative to be insolvent and has ordered them to stop doing business as of January 1, 2016. Meritus will continue to cover the 59,000 Arizonans enrolled in its health [...]

Silver Plans Offer Extra Help

I just read that two million people who get help with their health insurance premiums are missing out on extra help with their deductible, co-pays, and MOOP (max out-of-pocket). They missed out because they did not sign up for a Silver Plan. Silver [...]
health insurance puzzle

Health Insurance Puzzle

Helping a person enroll in a health insurance plan is like solving a puzzle – a health insurance puzzle. It’s also a good brain exercise for a sixty-something like me. I got a call this week from a 64-year old woman who is quitting [...]

Understanding Health Insurance

Millions of people now have health insurance because of Obamacare.  But do they understand how to use it?  For many people, even those with a college education, the answer is “no”. I recently got a call from a client who got health [...]

Obamacare Saves Lives

I was at my doctor’s office recently and, as usual, I got into a discussion about insurance with my Nurse Practitioner.  Connie told me she has many new patients because of Obamacare and most of them had not had health insurance before, [...]

Good News Obamacare Story

I received an email from a client who got covered as of January 1, 2015.  Donna has been self-employed for many years and didn’t think she could afford health insurance. Because of Obamacare (the Affordable Care Act), Donna got coverage [...]

Health Insurance Sign-up Extension

Don’t have health insurance?  Will you pay a penalty when you do your taxes? For those who were unaware or did not understand the implications of the fee for not enrolling in coverage, CMS will provide consumers with an opportunity to [...]

Health Insurance Deadline Extension?

The deadline for applying for health insurance was February 15th – or maybe it wasn’t. The federal Marketplace is extending the deadline – but only for people who started an application but did not finish it. People who have [...]

Small Businesses and Obamacare

NPR  has an interesting story about small businesses and Obamacare in Kentucky where employers and employees ended up with better, lower-cost health insurance. Health insurance policies offered by small businesses to their employees have been [...]

Obamacare: Drug coverage issues

I was just exchanging emails with a contact at CMS (Center for Medicare And Medicaid Services) which is the department responsible for overseeing the Affordable Care Act implementation.  Here is what I wrote him: I thought you might be interested [...]

Obamacare: Tucson among the lowest-cost health insurance markets

People in much of Minnesota, northwestern Pennsylvania and Tucson, Ariz., are getting the best bargains from the health care law’s new insurance marketplaces. Their premiums run half as much as those in the country’s most expensive [...]

Obamacare: Hardship Exemption for Health Insurance Mandate

Some people will not face a penalty if they don’t get some type of health insurance in 2014.  From healthcare.gov Exemptions from the payment Under certain circumstances, you won’t have to make the individual responsibility payment. [...]

Obamacare: The Importance of Silver Plans

Last Saturday I met with a client who had set up her account on healthcare.gov.  She knew what her subsidy was going to be and she was ready to pick a health insurance plan. She showed me a print out of her plan options that included the premiums [...]

Good News Bad News

There sure are highs and lows when it comes to Obamacare news. GOOD NEWS I heard from a self-employed person in Benson that he got signed up through healthcare.gov for a Health Net Silver plan for $61 per month (after his subsidy). Because he [...]

Obamacare: Who qualifies for AHCCCS/Medicaid?

Medicaid in Arizona is knows as AHCCCS (pronounced “access”). That stands for the “Arizona Health Care Cost Containment System”.  Arizona is expanding AHCCCS enrollments under Obamacare by raising income limits to 133% [...]