We help you get the most affordable coverage that meets your needs! The simple answer is YES or pay a tax penalty. There has been confusion about this lately because of the recent Obama administration's decision to delay penalties for employers who don't offer health insurance until 2015. The unfortunate consequence of.
Original Medicare (Part A & B) does NOT cover everything. For example, it only covers 80% of Medicare approved services. This is why many people add prescription drug coverage (Part D) and Medicare Supplement insurance OR purchase a Medicare Advantage plan. If you currently have Medicare, you can change your coverage choice once a year during the Medicare Open Enrollment Period (OEP).
Original Medicare (Part A & B) does NOT cover everything. For example, it only covers 80% of Medicare approved services. This is why many people add prescription drug coverage (Part D) and Medicare Supplement insurance OR purchase a Medicare Advantage plan. If you currently have Medicare, you can change your coverage choice once a year during the Medicare Open Enrollment Period (OEP).
Services
Health Insurance R Us is a brokerage agency for both group and individual insurance, providing quality coverage and expert advice and service to its clients. Eilene Rothman, President, has over 25 years experience in the insurance industry - with a focus on group employee benefit plans and individual health policies that meet client needs at affordable rates.
Individual and family health insurance is a type of coverage that is made available only to individuals and families, rather than to employer groups or organizations. Individual and Family plan deductibles and co-pays are usually higher than employer group or organization plans in order to make the premiums more affordable.
Dental insurance works in much the same way that medical insurance works. For a specific monthly rate (or "premium"), you are entitled to certain dental benefits, usually including regular checkups, cleanings, x-rays, and certain services required to promote general dental health. Some plans will provide broader coverage than others and some will require a greater financial contribution on your part when services are rendered.
Vision Insurance helps offset the costs of routine checkups as well as help pay for vision correction wear that may be prescribed by the attending physician. We offer Vision Insurance from the two Insurance companies below. Please contact me if you would like to more information or recommendations on Vision Coverage.
The precise impact of ACA will continue to be shaped by new rules and guidance developed by the federal agencies in support of the law. Some provisions of ACA, including insurance market reforms, such as increased access for dependents and the prohibition of lifetime limits on coverage, have already impacted health care benefits.
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