Tag Archives: Health care reform

THE GREAT DIVIDE

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I was doing pretty much the same things everybody else was last
December. Working, shopping, getting ready for the holidays.
On December 16th things changed. I had a routine mammogram,
which by the way, is a very good thing to do. After that my world
seemed to be occupied by oncologists, surgeons, and radiologists.
I was lucky enough to have no chemotherapy and very little radiation.

But the day before I thought I was insurable. Now I am not for the
forseeable future. No long-term-care, disability income, life or health applications. If I have no re-occurance I may be able to purchase
at least some of those policies in 5 or 10 years.

Thorton Wilder asked in the play “Our Town”, “Does anyone ever realize life every every minute?” No, it’s humanly impossible.
But some moments must be recognized and seized upon, because
they may never ever come aground again.

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Are you a grandfather?

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Over the last several days I have attended meetings, webinars, and spoken with people brighter than myself on the Afforable healthcare act.

There are so many changes, and so many dates of change that it concerns me that people will fend for themselves with their decision-making on their insurance without the counsel of someone like myself, who is making it a full-time profession. For example, if you have an insurance plan which was written or renewed prior to March 23rd of this year you have a grandfathered plan which will not change. However your renewal premiums could be going up and if you want to keep the same plan you have to pay them. If you change your c0-pays more than $5.00 or signifcantly change the contribution you make to your employee’s plan, you will no longer be grandfathered.

If you change plans, many new laws will affect you, which may include a higher cost. please don’t make these decisions on your own. It can be dangerous to your health.

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