Bernardini & Donovan Insurance Services

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American Health Care Act Pulled for Now

The ACHA is Pulled (For Now)

One of the biggest news stories recently has been the pull the healthcare reform bill on March 24th. If you’ve had your head in the sand here is a timeline of what went down: -On Thursday afternoon the House vote was delayed. Members of the House Freedom Caucus met with President Trump but left feeling that their compromised could not be reached. -Thursday evening the vote is back on. The White House communicated to the Republican party that no further negotiations were to be held and the vote was scheduled for the next day. -Friday Morning comes, and the House proceeded with morning roll call. Where the vote was still planning on being held it was unclear if it would pass. -On Friday Afternoon Speaker Paul Ryan urges the President to cancel the vote because they did not have the votes to pass the bill and at 3:30 pm the

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The American Health Care Act: Part 2

In our last post, we started to discuss the American Health Care Act as it was presented to us by Speaker of the House Paul Ryan. If you have not read that yet, please find it here. After going over some of the failures of ObamaCare, Speaker Ryan started to explain what we will find in the legislation that is going up for a vote on March 24th. Within the American Health Care Act, you will find the lowering costs of insurance premiums, creating more choices for citizens on their insurance options, giving patients control over their health care coverage and creating universal access to care.  But how will they do that? First, they would repeal the taxes in ObamaCare. They would, secondly, stop the massive spending that is going on. They would end the federal mandates that are telling private citizens what to do. They will be protecting citizens

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Information about the American Health Care Act

The American Health Care Act: Part 1

On March 9th, Speaker of the House Paul Ryan did a powerpoint presentation about what was in the American Health Care Act. What he laid out was that this piece of law is essential the first piece of a three-pronged attack. The three-pronged attack being: Reconciliation – this is the American Health Care Act. They are not able to put in every piece of legislation that they would like in this legislation due to certain Senate floor rules. They don’t want the whole thing to be thrown out before it can be voted on. But that is why this is a three-pronged attack. Administration Action – Much of the current law has legislation written into it that gives the Secretary of Health and Human Services the right to deregulate the market and create more choices in the marketplace. Additional Legislation – These would be all of the other laws that

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What to consider prior to buying health insurance for you and your family

As the time comes for open enrollment or to renew your health insurance, here are some helpful hints to look at before your purchase a plan. Look before you renew As the landscape for health insurance continues to change it is important that you make sure that your fully check out your options before opting to renew. Not only do the options available in your plan change from year to year but your personal circumstances change. You may have moved, found a new job, or had a child and all of these can change what you need from your provider. Also, if your plan is being replaced make sure you fully look over what it is being replaced with so you are not surprised later down the road and find that what you need is not covered. Doctors and prescriptions, oh my… You will want to make sure that your

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Medicare Open Enrollment

That time of the year is coming up again! The Medicare Annual Enrollment Period is just around the corner. Each year from October 15 to December 7th you have the ability to enroll for Medicare. But as you prepare to enroll, now is an excellent time to go over what plans there are and more importantly than that, to look over what is important to you so that as you look through plans you can find the one that will meet your needs. You won’t want a plan that will keep you in a compromising position all year long. Make sure that you are well informed and take the time to know what you really want. For example, If you know that you are going to be on a fixed income you will want to make sure that you are looking at plans that will have low out of pocket

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What you need to know about Medicare Deadlines.

There are some people in the world that just know things. They are the mavens that can rattle off facts, dates and details that the rest of the population just never grasped. This blog post is not for them. This post is for those of us who don’t know the first thing about Medicare and the deadlines needed to sign up. So first things first. You become eligible for Medicare when you turn 65. But the deadlines for signing up extend to the months that surround you birthday. However, there is an exception if you already are receiving Social Security benefits you are automatically enrolled in Medicare A and B. But if that is not the case then you need to sign up yourself. You have a window of enrollment that last seven months. The seven month window begins three months before your birthday month, goes through your birthday month

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