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 It needs to be amended or repealed.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:
WI, AL, AZ, CO, FL, IL, MI, NE, OH, OK, TN, TX, VA, WA
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
Email spuryear@myhst.com
Phone: (847) 530-8943
Now and let’s schedule a meeting.
