Medicare

Medicare Coverage Protection

Medicare can be complicated, make sure you understand the options.

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Individual Health Insurance Plans

Individual / Family Health Insurance

When it comes to your health, one choice can provide a lifetime of living well.

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Business / Group Health Insurance

Business / Group Health Insurance

Because you care about your employees and we do to. Let us help.

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Life Insurance

Life Insurance Coverage Family Protection

When you want to provide financial security the ones who matter most.

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About Obama Care / Affordable Care Act

Obamacare is a term you have undoubtedly hear over and over throughout the years. One of the questions most often asked or with preconceived misunderstanding is what exactly Obamacare / ACA is. Obamacare is an unofficial name for the Affordable Care Act, which was signed into law by President Barack Obama in 2010.

The Affordable Care Act was implemented to provide Americans with affordable health insurance, and improve the quality of health insurance and health care in the United States.

How does Obamacare / Affordable Care Act work?

In 2013, more than 44 million Americans were were without health insurance because of expense. The majority of these Americans were working families who could not afford coverage. Obamacare / Affordable Care act is not without its flaws but it has its accomplishments.

  • It requires that all Americans have health insurance either utilizing a private network or a federally assisted program.
  • Extended the age young adults can stay on their parents’ plan till the age of 26.
  • Offers assistance with costs and more affordable premiums through the marketplace.
  • Ended the lifetime limits on health insurance coverage.
  • No longer allows healthcare providers to drop you if you become ill.
  • It made it illegal to be denied coverage because of a past illnesses.
  • It makes it illegal to be charged higher premiums because (if you) are a woman.
  • It created reforms for Medicare, and provides Medicare recipients with new benefits and protections.
  • Expanded Medicaid eligibility so lower income families could pay the cost of health insurance.

Learn More at healthcare.gov

Medicaid/CHIP – Where you notified on Eligibility Notice that your children or someone in your family may qualify for Medicaid or CHIP  Application

Subsidy – Learn More

Have additional questions? – Learn More

ACA Mandates 20015 – ACA Mandates PDF

FAQ’s

A common misconception is that there is a difference between Obama care and the Affordable Care Act. The ACA is a law that regulates all insurance companies.
A broker provides you with the best options of from all the different plans and networks. When you purchases a plan without help you may not be getting the best options available for you.
No – All premiums have the cost of a broker built into the premiums and premiums stay the same if you shop independently or use a broker. So in fact you are doing yourself a disservices by not using the services of a broker you trust.
The is a Federal Law an applies to employers with 20 or more employees. This law provides workers with the right to continue coverage in a group health plan.
The Health Insurance Marketplace is a place were individuals, families, and small employers can compare private health insurance plans and shop for coverage.