2018 Projected Health Insurance Changes

We wanted to give you an initial taste of changes coming for 2018 individual health insurance plans, which is about as fun as going to the dentist when you have a sore tooth.

First of all, any changes going through congress right now are not projected to impact 2018 plans since health insurance carriers have already submitted their plans and rates, but you never know. Most likely any changes would be for 2019 or 2020 plans.

2018 Overview

The carriers have told us that the core structure of their plans are going to stay the same for Gold, Silver and Bronze plans, yet the prices will be going up (as usual). Most other aspects should stay the same…except the increasing prices.

For most people the ONLY option will be buying through the WA Exchange, as those in King, Snohomish and Pierce counties won’t be able to buy a plan direct from the carrier.

The PPO plans with “In-Network” coverage outside of Washington State are going away, yet there will continue to be the Emergency Network if you have a major medical issue while out of state. For those that intend on being outside of WA for more than 6 months really should get a plan in that other state or country.

If you live in Klickitat or Grays Harbor county there are no proposed plans. If none of the carriers step in those people would be offered a plan through the WA High Risk Pool.

2018 Health Insurance Carriers

  1. Regence has decided to pull out of MOST of Washington State (will be in a few Eastern WA counties).
  2. Kaiser Permenate (formerly Group Health Cooperative) will have HMO plans only.
  3. Molina lost a lot of money in 2016. It seems like their plans will stay the same at this time yet be prepared for larger increases since they were the cheapest in 2017.
  4. Premera and LifeWise are quite expensive in 2017 and will probably be about the same upper price for 2018.
  5. AM Better will have similar narrow networks.

Below are our areas of expertise:

Gary Franke, Tamara Chandler, Justin Cross
Independent Broker
Achieve Alpha Insurance, LLC 
12507 Bel-Red Rd, Ste 103
Bellevue, WA 98005
(425) 802-2783
health@achieve-alpha.com
www.achieve-alpha.com

 

Get an Accident Plan to Cover your Deductible!

If you are accident prone, often get injuries, or simply participate in activities where you could get hurt this is plan was made specifically for you, really it has your name on it!

Many people meet their Health Insurance Deductible and this is a way to get those bills covered. It’s a simple way to get reimbursed once you have had medical expenses due to ONLY an accident.

By now you already know if this plan is a good fit for you, or someone in your family. So give us a call after giving this blog a quick read.

Call for a Quote at 425-802-2783 or

Click here to Email health@achieve-alpha.com

This Accident Plan is a direct reimbursement plan that is not linked to a health insurance plan, so it will pay up to the policy maximum.

Due to the increasing prices of health insurance more people are getting a Bronze plan, yet being exposed to a $6,000 Deductible is a bit scary. This solution would help ensure that in an accident you would have extra financial protection. However, it will not cover ongoing illnesses, sicknesses, medications, or cancer. It’s only for those NEW acute injuries or accidents.

To be very honest, this Accident Plan with AIG is the best bang for the buck in Washington State, yet not an immediate payout structure like Aflac. They pay out quicker, yet often their coverage is more expensive (not a bad plan, just costs you more). If that is what you want then go right ahead. There is no such thing as one best company, it’s which one works best for you!

Example AIG Accident Policy Quote

Accident Plan Coverage Examples

Sporting events are another activity where an accidental injury may occur. A baseball pitcher who develops a rotator cuff injury during the act of pitching would not qualify as an accidental injury. However a batter who is hit on the wrist by a pitch, which causes a fracture, has sustained an accidental injury. Joggers who develop ligament strain and tears during the course of their running routine have not suffered an accidental injury. However, if they misstep off a curb and fracture their ankle they have suffered an accidental injury. Clearly the demonstration of the “accidental” event within the course of normal participation in an activity can be made and an injury associated with that event would be covered if “care” as defined within the terms of the policy contract is provided.

Dollar-for-dollar reimbursement for:
• Emergency Room
• Hospital
• Urgent Care Center
• Surgery
• Diagnostic Exams
• X-rays
• Physical Therapy

Here is an overview of the rules:

  • Initial care must be received within 72 hours (3 days) of the accidental injury.
  • Accident Emergency Care Benefit: such treatment or attention must be received from an Emergency Room, Hospital, Urgent Care Center or Physician’s office and in the United States.
  • Accident Follow-up Care Benefit is also covered, up to three visits which must be completed within 30 days of the accidental injury or discharge from the hospital. Outpatient surgery is covered as one of the three visits under the Follow-Up Care Benefit.
  • Fractures sustained as a result of a covered accidental injury must be diagnosed within 14 days of the accidental injury.
  • One Major Diagnostic Exam per accidental injury will be covered if completed within 14 days of the accidental injury. Major diagnostic Exam is limited to: CT Scan, MRI, or EEG (electroencephalogram).
  • Physical Therapy visits received as a result of an accident as prescribed by a physician, rendered by a physical therapist must begin within 30 days of the accidental injury or discharge from the hospital.
  • X-ray covered due to an accidental injury if completed within 14 days of the accidental injury.

CLICK HERE FOR SIGNIFICANTLY MORE DETAILS

Talk to you soon!

Below are our areas of expertise:

Gary Franke, Tamara Chandler, Justin Cross
Independent Broker
Achieve Alpha Insurance, LLC 
12507 Bel-Red Rd, Ste 103
Bellevue, WA 98005
(425) 802-2783
health@achieve-alpha.com
www.achieve-alpha.com

Get a Free FitBit and Over $1,000 per Year in Real Discounts!

Okay, now that my clickbait has sucked you in, I wanted to show you a brand new program on how you can save money on Term Life Insurance! This is a truly revolutionary way to get Life Insurance with really great savings every year! Give us a call at 425-802-2783 or health@achieve-alpha.com to get a quote today! We walk you through the process in a common sense easygoing manner.

In the past once you bought a 20 Year Term Life Insurance policy the price is “locked in” and does not change. Which means you could start smoking, drinking and live unhealthy going forward and the price is the same. However, it’s in the Life Insurance company’s best interest to incentivize you to continue to live a healthy life! Now you can lower life insurance premiums by up to 15% per year AND save over $1,000 per year in Discounts at local stores such as REI, Walmart, Hyatt Hotels, and Cruises!

Ways to Save Money!

First of all you are still getting Life Insurance and the base price is the same, yet if you participate in the John Hancock Vitality Program you can save much much more! You can check it out at www.jhrewardslife.com

There are four tiers for a life insurance policy discount. The base level is Bronze, which is the “normal rate” before this new program. For the first year they start you off at a Gold level, which is an automatic 10% premium savings. Then for each additional year you get Platinum, Gold, Silver or Bronze based off of your activity level points for the prior year. From year to year depending on your activity points you qualify for the different premium discount level.

You earn points for wearing the FitBit or Apple Watch in addition to other ways to earn points to qualify for that percentage savings each year. Check out the may ways to earn points here. We can help walk you through the process to earn points towards real savings!

The Process To get Life Insurance:

To get Life Insurance its not hard, yet it does take a few steps to get set up. First of all it generally takes about two months from beginning to end, as the underwriters often have too many pesky yet necessary questions…

We can shop around at over 33 carriers to help get you the BEST price for the coverage.

  • QUOTE: We need your AGE, M/F, and Tobacco Use. If you have any major medical issues or items you think may impact the rating please let us know.
  • EXAM: Take a free Blood Test and answer some Medical Questions from a Nurse.
  • DECISION: The underwriter will look at your medical records as well (which we never see as agents), then come back with a decision on the health rating you get.
  • DONE.

Lifetime Savings Over $35,000

Honestly, its not rocket science, if you are living a healthy lifestyle or want to please give us a call and would be glad to help you turn your healthy lifestyle into money in your pocket.

Below is a projected savings over a 20 year period by participating in the John Hancock Vitality Program. It adds up to massive savings, or feel free to write us a check for what you would have saved, our name and address is listed below…so call us today!

NOTE: Everyone that is approved for Life Insurance qualifies for this program. However those that do have some health issues such as diabetes actually can save more than the average person since the discounts are applied to your monthly premium amount!

Talk to you soon!

Below are our areas of expertise:

Gary Franke, Tamara Chandler, Justin Cross
Independent Broker
Achieve Alpha Insurance, LLC 
12507 Bel-Red Rd, Ste 103
Bellevue, WA 98005
(425) 802-2783
health@achieve-alpha.com
www.achieve-alpha.com

Achieve Alpha