http://www.spreaker.com/user/4904098/nuu-09-08-14-dr-james-gore-j-r-gillespie
Always love this time of year, weather, kids back in school, time to get back to business.
Over the summer I
revised my website, I am really excited. It now provide instant quoting
and enrollment for Medical, Medicare, Dental, Life and an variety of products
I expect it to be extremely
valuable during the upcoming Medicare and Medical Insurance Open Enrollment
Periods. For Medicare it begins October 15 until December 7.
As a broker, I help people with the Medicare Supplement, Medicare Advantage
Plans and Medicare Prescription Drug plans. Medicare is Medical Insurance
for people age 65 and older, or certain people with disabilities. There
are many plans that improve your benefits, many of these plan are available a
$0 premium. . So this is a time of year when I am scheduling times to speak
with group and senior organizations to go over many of the changes that occur
annually.
For Medical Insurance the
Open Enrollment Period begins November 15 – Feb 15. I am a broker
on the Washington Health Plan Finder Website. This year promises to be
better than last year. I am able to enroll you on the website, but more
important, I can provide insight regarding the different plans, there will be
more choices and coverage options. One more thing, on Aug 27, they opened
a Special Enrollment Period for people who have already started an application
but are having problems. One question I get asked a lot is whether
or not I should enroll on the Washington Health Plan Finder website. It
is mostly a matter of income, if your income is more than 400% of the Federal Poverty
Level, then you can enroll on the WHPF, but you will not receive any
financial assistance. Without the assistance you may not want to
use the Government website, you can choose to enroll direct to the
company.
This is also a time of year
many small businesses review the benefits they offer to their
employees. Once again so much depends on income. Many
companies disbanded there medical insurance plans and sent there people to the
WHPF, and for some this made a lot of sense, but for others there
was no true advantage. In 2015 there will be plan offered in King, Pierce & Snohomish counties on the Washington Health Plan Finder website for small businesses. These options wehre not available last year. I am able to help small business owners
determine which is the best plan for their company and employees. One
plan that I am very excited about offer a year in refund depending on your
claims experience. http://www.assuranthealth.com/assuranthealth/media/self-funded/index.html This is a benefit not offered by other plans on or off
the exchange. One of my clients had 30% of there already low premiums refunded.
One of the new feature on my
website is the ability for an person to quote and apply for term life
insurance, you can choose from a variety of carriers, shop
plans, compare prices, and apply in a couple of
minutes. Today many plans offer Living Benefits; these are benefits
you do not have to die to receive. Instead they will also pay if you have
a Critical Illness, (Cancer, Stroke …), or if you have a Chronic Illness (need
nursing assistance). Today’s policies are more comprehensive and since no one
knows what tomorrow has in store, you can have these additional benefits at no
additional cost. One incredible product is Indexed Universal Life Insurance,
it is a great way to combine life insurance protection with a high interest
savings account. With IUL you can earn a rate of return on your
investment that is tied to the performance of the stock market without any
risk. When you consider what bank accounts pays, and if you don’t
like the roller coaster ride Indexed Universal Life and Indexed Annuities are
great places to invest.
ALLSTAR Financial Insurance
ALLSTARFinancialInsurance.com
O 425-814-6378
C 206-227-6677
F 425-823-4907
