Friday, November 4, 2016

Fox News "Obamacare Premiums To Spike By Double Digits Next Year" (2017)

According to Fox News Report, President Obama and Fox News state Obamacare is similar to Galaxy Phone and ready to explode. It needs to be corrected before it can be "user friendly".

The plan needs to be rewritten immediately by the next President of our country. The premiums are going up an average of 25%-115% in many states, and there are fewer insurers throughout the country. Something needs to be done for those in the middle class, small business owners, and those on their own for insurance. Very few people truly qualify for subsidies and government assistance.

This You Tube Clip from Fox News Says it All.....

Please call anytime or email anytime.

A personalized Benefits Consultant, Licensed Broker Can Help!

Contact: Stephanie Puryear
Benefits Consultant-Executive Agent Healthcare Solutions Team
Licensed Insurance Broker-Health, Dental/Vision, Accident/Critical/Disability, and Life
Email: and
Phone: (847) 530-8943

Licensed: AZ, AL, CO, FL, IL, OH, OK, MI, NE, TN, TX, WA, WI, VA


Thursday, October 13, 2016

"This system isn't working" former President Bill Clinton

Even former President Bill Clinton, while on the campaign trail for his wife, confirms Obamacare isn't working. It needs to be amended or repealed. The system is failing!

This is the current status of our healthcare and we haven't even hit Open Enrollment period for the 2017 health insurance plans, which is less than 3 weeks away.

Again this year there are BIG changes coming that may affect you....

1-United HealthCare care is NOT offering any individual plans in 2017. You may have an older plan with UHC that was written before Dec. 31, 2013. If so, that plan will continue through 2017, and possibly longer. Any newer plans will terminate Dec. 31, 2016. We will need to move you to a new plan for 2017.

2-Harken Health is changing its large National PPO into a small Regional Network HMO. If you are a Harken Health client, you will need a referral from a Harken Health Center doctor in order to see a specialist.

3-Aetna has dropped its PPO offering, and it is moving to HMO exclusively. It will probably offer that HMO off-exchange. This means if you currently have a subsidy on your plan, you will not be able to get it on your Aetna plan in 2017.

4-BCBS will likely remain the most stable carrier in its offerings, both on and off exchange. But like last year, they will not have the large national PPO as an option.

5-Coventry is supposed to offer its plans off exchange only, like Aetna.

6-Cigna is going to be offering individual plans in IL this year. We know very little about these but we can only hope there is something helpful there.

7-Molina Healthcare premiums have increased and they have lost contracts with many of their previous providers such as Wisconsin Children’s.

8-Rate Hikes-ALL the carriers are rumored to be planning some significant rate hikes in 2017. Press prognosticators are predicting increases of averaging 20%-45%.

We will not know exactly what’s going to happen until it is revealed on NOV 1-when Open Enrollment begins. I will have all of the relevant information on that date, and I will be ready to meet with you by phone and help you look for the best options for you and your family in 2017. 

This year we will want to discuss non-Obamacare options (such as short term medical and fixed benefit plans) for your family. These options may be the right fit for you, and give you better network coverage at roughly half the cost of the Obamacare options. These plans are not for everyone, but—because they might be a good fit for you—I want you to have knowledge of these plans so you can make an informed decision for your family.

In order to get a January 1, 2017 effective date for your new plan, we will need to apply sometime between November 1st and December 15th, 2016. The enrollment period will remain open until January 31, 2017 (which will get you a March 2017 effective date). The exchange will then close until next year, unless you experience a qualifying life event such as a marriage, divorce, birth, or loss of employer coverage.

Let’s schedule an appointment now! Because of the very tight time-frame, I will be doing most of these meetings via screen-share between my computer and yours. If you would prefer a traditional face-to-face meeting, I will make every effort to accommodate you.

I am licensed in the following states

Please feel free to contact me to schedule an appointment:
Stephanie Puryear
Executive Agent-Healthcare Solutions Team
Benefits Consultant-Licensed Broker
Health, Critical/Accident, Dental/Vision, and Life
Phone: (847) 530-8943 
Now and let’s schedule a meeting.

Sunday, September 18, 2016

An ‘October Surprise’ for Obamacare

Premiums /Prescription Coverage/Co-pays/Deductibles to INCREASE Dramatically

Did you know that according to the latest data, insurers have requested average rate hikes of nearly 24%, and that most of those hikes on the exchange have already been approved by regulators at a minimum of 17%? Notification of these 2017 increases is likely to arrive in consumers’ mailboxes at an inopportune time, just before Election Day.

Obamacare’s exchanges are collapsing, 16/23 state sponsored CO-OP health plans created by Obamacare have failed. If you go on the Marketplace to find a plan, your choices are limited with high costs, and your plan may change or disappear at anytime due to the volatility of the system. Many of the plans, lose contracts with facilities and doctors promised during sign-up. Yet, you’re stuck still paying a high premium and unable to get the services and coverage you need. For example, one local HMO carrier was signed with Children’s Hospital and then the contract was cancelled leaving a family unable to see a specialist or afford a necessary surgery. They are stuck paying for an insurance that is not covering their needs and cannot change because there aren’t any better choices on the Marketplace.

Insurers, including the largest United Healthcare, and the 3rd largest, Aetna have fled the exchanges to avoid further financial loss. Too many insurers lost incredible amounts of money, $500M+ up to $2B.

Premium hikes are also going up because the Obamacare risk corridors are expiring this year. The risk corridors have been a disaster. Instead of having a surplus as anticipated, the pool only had $1 for every $10 so now the insurers that have lost money are requesting $2.87 billion to make up for losses Without the risk corridor cash that was anticipated they have no other choice but to increase monthly premiums.

The insurers that remain in the Marketplace are demanding premiums so high, many people may decide to flee the exchange themselves and pay a penalty of the greater $695 or 2.5% of income. If this happens, which it looks as though there is no other alternative, the system is collapsing…a new Congress and new President will have quite a mess to clean up. This is a non bi-partisan issue.

In some states the issue is so severe the two largest insurers are asking for for rate hikes ranging from 60-88%. In another state, a carrier that covers 73% of the state exchange customers requested a 63% premium increase, and in one of our neighboring states, a very popular carrier actually asked for a 100% premium increase.

Can you imagine receiving a notice that your premium will be increasing in 2-months by 24%, 40%, 60%, 73%, or 100%. And as well that same premium’s coverage may be losing some of the doctors in the network and your deductible may be increasing?

The other shocking issue is people are receiving letters that their policies are being terminated by their insurance company by the end of this calendar year, 12/31/16, and they must find new insurance by 01/01/17 with a new carrier.  There are at least two major carriers sending out these letters.

In 2010, prior to Obamacare passing the president promised that the average family’s premiums would decline by $2500. This is obviously not the case.

This is the state of our healthcare system right now and for the next 6-12 months. Be prepared.

No one is safe. Not individuals, families, or small businesses. Whether you are on an individual, family, group, or Marketplace (Obamacare plan).
The options for plans are shrinking, coverage is diminishing while costs are rising. As well, if you do not have coverage, fines are anticipated to triple.

What can you do? Where do you even start?

The process of trying to figure out healthcare is overwhelming. There is help. Time is money, please don’t wait as premiums increase each month.
Allow an expert to help you sift through the chaos. Let someone with 15-years of experience in the industry that is a Licensed Broker and works as a specialized Benefits Consultant in over 11 states with access to plans on a national level help you find a plan that is right for you, your family, or your business.  I promise I can help. Give me a call and we’ll set up an appointment to find an affordable, comprehensive plan tailored for your situation. 

Don't wait! Time is money and the sooner the better!

Please reach to someone specialized in this field! 
Benefits Consultant: Stephanie Puryear-Licensed Broker-Health, Accident, Life
Phone: (847) 530-8943

New Sites: CNN, NBC, FOX, New York Times, Chicago Tribune

Sally C. Pipes is President, CEO, and Thomas W. Smith Fellow in Health Care Policy at the Pacific Research Institute. Her latest book is The Way Out of Obamacare (Encounter 2016).