I remember how nervous I was in July, 1998 when I scheduled my exam to take my health and accident insurance licensing exam.  I wondered if the classroom time spent going over practice tests would help.  Well, it's pretty obvious they did!  I passed on the first try and have held my insurance license since that time. 

During that time, I was working with a Corporate 500 company and sold individual health and dental insurance plans.  I was a Telephone Sales Representative and spoke with hundreds of prospects a week about their insurance/dental options.  We covered deductibles, coinsurance, co-pays, prescriptions, in-networks, lifetime maximums, maternity care, you name it. 

Health Insurance is such a vital factor in overall health and financial planning.  An unexpected medical experience can cost upwards of hundreds of thousands of dollars.  Not to mention the health conditions that can arise or worsen due to lack of medical attention.  Health Insurance is there for us when we have a newborn, receive chemotherapy, mammogram, ambulance and flu shots, among other things.  I have always enjoyed speaking with my clients and being able to offer them options to assist in their health and well being.

I must say, the conversation in this age of Affordable Care Act (ACA), Obamacare, Trumpcare, Repeal & Replace has changed all of that!  I have delivered more 50%+ renewal increases in this last couple of weeks than I care to mention.  I sit down with clients and am forced to share premiums with them that I don't believe I could afford.  This may be the first time in my 19 years that I am truly ashamed and embarrassed by this business.  The insurance industry has to do better in assuring that Americans have viable, affordable options for healthcare. 

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Many people have reached out and inquired about how the new Administration and President-elect Donald Trump will affect the current ACA. I'll continue to stick to the script and reply, "I'm not sure". With that said, I can share some of my previous experiences. Prior to ACA, individuals/families could be denied coverage due to medical conditions. These conditions could range from ear infections to Cancer. The applicant could not be declined coverage if they had continuous 'credible coverage' 18 months prior to applying. In the event they did not, these applicants would be referred to the State of WI's HIRSP plan. This plan had a higher premium, but was an alternative for the applicant. The State of WI's HIRSP plan was eliminated with the implementation of Obamacare. In summary, as a licensed Health Insurance agent of nearly 20 years, I would advise my clients to stay covered until decisions are confirmed. I don't believe insurance carriers would be able to remain profitable if the tax credits are pulled and they have to continue to guarantee coverage to everyone. I would imagine that an insured would have to have had prior coverage for some time prior to enrolling in their new proposed plans. Need a quotation, contact me at 414-716-6274. Remeber, this is JUST MY OPINION!

Medicare Open Enrollment begins October 15th - December 7th. This is the time of year when individuals on Medicare
can shop for Medicare Advantage (MA) and Prescription Drug Plans (PDP). Medicare Advantage Plans can offer addional benefits in addition to Original Medicare. Some of these benefits may include an annual physical at no additional cost, coverage when you travel and a fitness club benefit. At Bacchus Insurance Group, we offer an array of options to fit your budget and our customer service is unmatched! Give us a call to schedule a free, no-obligation visit in office or at home.