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Don’t Go it Alone: Five Reasons to Use a Health Insurance Broker from MyHealthQuoter.com

10154211_10151953169196739_3618392723085904427_nImagine you had to completely replace the roof of your house. You have no idea where to begin, what kind of shingles you should use, or how to do the job. Plus, you learn there might be a government subsidy available to help you reduce your cost, but you are not sure if you qualify or even where to begin to find out.

You have two options: Read More…

The Clock is Ticking to Get Out from Under COBRA!

Cobra on grassIf you are currently enrolled in a COBRA plan, you may not be aware that for a limited time, you may qualify for a more affordable health plan on or off the exchange–with potential health-care subsidies as well. That’s because in early May, the U.S. Department of Health and Human Services (HHS) announced a 60-day special enrollment period (SEP) for anyone who has COBRA group health benefits continuation coverage.

But the deadline for this period is July 1, 2014. So anyone on COBRA should act NOW. Read More…

The HealthCare.gov Enrollment Deadline is Past…But It’s Still Not Too Late!

march-31-deadlineIn Line” But Still Waiting? We Can Help!

In light of the March rush for people to enroll before the HealthCare.gov Enrollment Deadline, CMS anticipates that a significant number of people who may have tried to or begun the process may not have finished it. If this is your situation, do no despair now that the intial deadline has past. CMS knows this and wants to help make sure that you can complete the application process in order to get covered. Read More…

{Last Session} Affordable Care Act Educational Sessions at Mount Carmel

Next Session:

Last Event of 2014

Mount Carmel East Hospital (new location)
Wednesday, December 11, 2013, 2:00 p.m. – 4:00 p.m., Bruce E. Siegel Center
5975 E. Broad Street, Columbus, Oh 43213

 

 

If you are confused – and maybe even a little intimidated – by what’s happening with the Affordable Care Act, I want to tell you about this great opportunity to get your questions answered.

In the coming weeks, I will be sharing information and answers about the changes in health insurance at the three Mount Carmel hospital locations. (The specific dates, times and locations are shown below.)

I am personally inviting you to come to one of these free presentations.anatomy of the exchange

Here are some of the topics I plan on covering:

• What is the cost? (And can I get money to help pay the cost?)
• What options are there for networks and providers?
• How can I find the plan that’s best for me?
• How do I enroll? Just how hard is it to sign up?

And of course, I will answer any other questions you may have.

These sessions are at a variety of dates, times, and locations. I hope you’ll find one that fits your schedule. This is a great educational opportunity with no cost or obligation.

Please join me!

Answers to Questions about Health Care Reform
Learn how the Affordable Care Act affects you

No advance registration is necessary. Simply arrive 10 minutes before the start time and go the the main reception desk for directions to the meeting space.

Last Event:

Mount Carmel East Hospital (new location)
Wednesday, December 11, 2013, 2:00 p.m. – 4:00 p.m., Bruce E. Siegel Center
5975 E. Broad Street, Columbus, Oh 43213

For more information, call (614) 344-4093.

At MyHealthQuoter.com, we are here to guide you and help you get informed and make the right decisions, and we will continue to do so in the advent of healthcare reform and as these different choices become available.

matt_81x106Matthew Byrne has made a career helping people find affordable health insurance in Ohio. He is the founder of MyHealthQuoter.com, a Dublin-based brokerage providing Ohio health insurance quotes and services for individuals, families and corporations. Mr. Byrne is a subject matter expert speaking frequently about Health Care Reform, Defined Contribution Programs, COBRA, and Medicare. He can be reached at (614) 336-3636, and online at www.MyHealthQuoter.com.

Need a Health Reform Speaker? Find Matt on COPEC! http://copeceducation.org/speaker/Matthew.Byrne

DEC Presents: Affordable Care Act 101 (Live Event from Sept 19, 9-11am)

DEC Presents: Affordable Healthcare Act 101

Join us on Thursday, September 19 from 9:00am – 11:00am in the 1st Floor Training Conference Rm.

Program:

“Health Reform – Navigating the Changes in Healthcare”

PPACA

Learn about The Affordable Care Act

The newly enacted federal Patient Protection and Affordable Care Act makes sweeping and dramatic changes to how employers manage their employee benefits. It is crucial that employers stay abreast of changes that will immediately impact their businesses as well as begin preparation for future requirements that will have financial and administrative impact. Join us as we map out how reform affects businesses and individuals alike. The seminar will inform business owners, employers and human resource professionals on the latest information about health reform and how it will directly impact businesses.

 

Topics Covered:

· Employer Mandates

· Individual Mandates

· Coverage Expansion to Dependents

· Small Business Health Insurance Tax Credit

· Exchanges

· Medical Loss Ratio (MLR)

· Grandfathering

· How to stay in touch with new developments

· Early retiree reinsurance program

This Presentation will provide:

1. Deconstruction of the Bill and Its Provisions

2. A Timeline of Provisions and Employer Responsibilities

3. Practical Steps to Comply with the Law

4. Anticipated Changes to Benefit Plan Design, and the Role of Wellness Programs

This seminar will examine these impacts, analyze the options and opportunities and present what this means to you, your employees and your company. This conference will be useful for business owners, human resources professionals who are responsible for managing their employee benefit programs, health care providers and others involved in the health care industry.

Presenters: Matt Byrne & Barry Darryl Peel

Barry Darryl Peel is an Economic Development Specialist, Veteran Representative and Affordable Care Act Specialist with the U.S. Small Business Administration, Columbus District Office. Barry is responsible for creating and maintaining relationships with banks, chambers, economic development agencies, small businesses and small business assistance agencies. Barry brings over 15 years’ experience working with small businesses, especially Minority, Women and Immigrant owned.

Matt Byrne is President of MyHealthQuoter.com, a division of Spiralight Group, a health insurance brokerage specializing in affordable solutions for individuals, families and employer sponsored plans. Matt has a Bachelor of Arts degree from Boston University and holds a life and health insurance license.

He serves on the board of Central Ohio Professional Education Council (COPEC) and the Foundation Board of Trustees for First Community Church.

Location:

The Dublin Entrepreneurial Center is located at 565 Metro Place South, Suite 300, Dublin, Ohio 43017. For more information visit our website or even better join the conversation on twitter, facebook, or LinkedIn.

10 Tips You Need to Know About Health Reform (federal exchange marketplace)

You have questions and we have answers.  Because we value your time, we’ve quickly summarized the 10 things we believe you need to know to help you navigate health reform. For those who want a deeper look, access to a recording of our hour long webinar, a link is provided at the end of this post.

#1) On January 1, 2014 – All plans on or off the federal exchange marketplace will be guarantee issue with no exclusion of pre-existing conditions which means the insurance company cannot deny you for coverage and they can’t exclude any of your medical conditions.

#2) If you want a 01/01/2014 effective date, your broker will help you enroll in a plan between October 1-December 14, 2013.  Applications submitted on 12/15/2013-01/14/2014 will be effective 02/01/2014.

Marketplace subsidies available to those under 400 FPL

Marketplace subsidies available to those under 400 FPL

#3) The deadline to enroll in a 2014 health reform compliant plan, be it on the federal exchange or through the private market is 03/31/2014. If you miss this window, you will not be able to enter the system until 01/01/2015, unless you qualify for a special enrollment.

#4) Anyone making under 45,960 (single), $62,050 (couple) or $94,200 (family of 4) will receive federal subsidy to help you pay for your health insurance. If you are eligible for a subsidy, your broker will assists you in purchasing your health plan on the exchange marketplace and you will receive an immediate premium discount at the time of purchase, no extra forms, no waiting.

#5) If you are eligible for subsidy, you will buy your insurance on the federal exchange marketplace, with help from your broker.

#6) If you are NOT eligible for subsidy you will buy your insurance, with the help of your broker, OFF the federal exchange marketplace.

#7) All Americans will be required to purchase health insurance or pay a fine.

#8) You may keep your current plan but upon its renewal in 2014, it will be converted to a more costly Health Reform compliant plan.  Speak with your broker to determine if early renewal is right for you.

Community Rating Changes How We Are Charged for Health Insurance

Will my health claims affect my rate?

#9) The amount you pay for insurance will NOT be determined based on your health history.  Everyone of the same age, in the same zip-code, will pay the same amount. Except for smokers who will pay a lot more.

#10) Prices for 2014 plans are expected to cost significantly more than plans today due to Health Reform mandates.  The 2014 plans are richer plans, more robust than 2013 plans and therefore will cost more.

 

 

Before you take the next step you need to consider your health, age, income and current coverage options to determine if you should move quickly into a Reform compliant plan or take steps to delay your entrance into the world of Obamacare.

Feel free to call or email MyHealthQuoter.com, so that we can schedule a time to analyze your unique situation.

 

Some other resources for your review:

If you know anyone who has questions about Health Reform, please share this 2 minute animated YouTube video we created to help, http://youtu.be/-YUAPJssBOc

War Stories from Health Reform (Webinar Recording); www.anymeeting.com/myhealthquoter/EE55DD888747

Our website; http://www.myhealthquoter.com/ (A Private Health Insurance Exchange)

Our Blog; http://www.ohioindividualhealthinsurance.net/?p=625 (7 part Blog about Health Reform, among other things)

Facebook: http://www.facebook.com/pages/MyHealthQuotercom/31908081738?fref=ts

LinkedIn; www.linkedin.com/in/matthewsbyrne/

Twitter;  https://twitter.com/myhealthquoter

 

About The Author…

matt_81x106 Matthew Byrne has made a career helping people find affordable health insurance in Ohio. He is the founder of MyHealthQuoter.com, a Dublin-based brokerage providing health insurance quotes in Ohio, and additional services for individuals, families and corporations. Mr. Byrne is a subject matter expert speaking frequently about Health Care Reform, Defined Contribution Programs, COBRA, and Medicare. He can be reached at (614) 336-3636, and online at www.MyHealthQuoter.com.

Need a Health Reform Speaker? Find Matt on COPEC! http://copeceducation.org/speaker/Matthew.Byrn

How to Save Money by Navigating Health Reform: Next Webinar Fri 08/23/2013 at Noon.

We are hosting our monthly webinar on Friday, August 23rd, at 12 noon. I’d love for you to attend, it’s a great way to get a crash course in Health Reform!

Your Meeting URL  www.anymeeting.com/myhealthquoter1
Your Free Conference Call  Phone Number: 213-416-1560
Guest Access Code: 813 608 369

Ohio Health Quotes

How to save with health reform

If you know anyone who may benefit from this content, please forward this or share this link with a friend or on your facebook/twitter feed.
www.anymeeting.com/myhealthquoter1

“Mastering Obamacare: How to Save Money by Navigating Health Reform”
July 12th at Noon (Webinar)

No pre-registration required, just show up.

About The Author…

matt_81x106 Matthew Byrne has made a career helping people find affordable health insurance in Ohio. He is the founder of MyHealthQuoter.com, a Dublin-based brokerage providing health insurance quotes in Ohio, and additional services for individuals, families and corporations. Mr. Byrne is a subject matter expert speaking frequently about Health Care Reform, Defined Contribution Programs, COBRA, and Medicare. He can be reached at (614) 336-3636, and online at www.MyHealthQuoter.com.

Need a Health Reform Speaker? Find Matt on COPEC! http://copeceducation.org/speaker/Matthew.Byrn

HEALTH REFORM HELP

 

HEALTH REFORM HELP: MyHealthQuoter.com is a team of friendly, expert advisers who’ve developed the technology and knowledge to cut through the red tape and road blocks to provide you access to affordable health insurance.

Call us today at (614) 336-3636 or visit our website and we’ll introduce you to our Health Advocate Program.

http://www.MyHealthQuoter.com