1,000 Words on LTCi

From Bill Comfort, CLTC:

 
[click to embiggen]

Says it all, really. Have a plan.

Comments

Post a Comment

Popular posts from this blog

It's all about the Benjamins

Image
As regular readers know, it's become somewhat the norm for carriers to drastically cut, or even abolish , agent compensation. And it's also commonplace for so-called agent associations to ignore this . That's because the dirty little not-so-secret is that they're run by and for the benefit of the carriers, not the agents. With one notable exception . In the event, UHC decided to completely do away with agent commissions on larger group health cases. Unfortunately for the carrier, however, the "notable exception" had already successfully lobbied to make that move a lot more difficult: " Louisiana Insurance Commissioner Issues Cease and Desist Order to United HealthCare ." The commish issued that order to derail UHC's plan to " implement the removal of producer commissions from upcoming renewals of certain group health insurance products ." On the one hand, kudos to HAFA for pushing legislation that curtails this abuse, and to the Pelica...
Read more

Another STM Dilemma

A Twitter friend pointed out that: If someone tries 2sell U a health insurance plan and says it is #ACA compliant, affordable and covers U from day 1, Stop, get the name of the company and get a 2nd opinion. ACA plans do not cover U from day 1 and cannot B purchased after open enrollment without an SEP situation. https://t.co/2jQdv5iRGr � Sheron E Sidbury (@SheronESidbury) July 8, 2019 Although I knew what she was saying, I asked for clarification (to make sure we were on the same page), and she helpfully responded: " When you sign up 1-15 you are not covered until the First of the following month. From the 16-31st the plan starts the 1st of the second month ." That is, if you sign up on June 3rd, your coverage doesn't begin until July 1st. And if you sign up September 17, your coverage doesn't start until November 1st. This is where a Short Term Medical plan could come in mighty handy (too bad for the folks in states such as Connecticut and California, that outlaw ...
Read more

Good(Rx) News

From FoIB Holly R: Patients with rheumatoid arthritis will soon have a�relatively�more affordable treatment option. https://t.co/9Fk8L02x80 � GoodRx (@GoodRx) July 29, 2019 Eticovo, is a "biosimilar" med for the dreaded condition, which is " an autoimmune disease in which the body�s immune system ... mistakenly attacks the joints ." This usually leads to major pain and mobility issues, so the increased availability of an affordable treatment option is most welcome. Related (sorta): You can use your HSA account for a lot more than you think https://t.co/GCQY4WlJyF via @usatoday � Direct Health Care Network (@DirectHealthCa1) July 27, 2019 Beyond the obvious things like flu shots and doc visits, sunscreen and even contact lens solution can be run through your account. Caveat : Once you've used funds for trivial expenses, you may be hard-pressed to come up with the scratch if something serious arises.
Read more