The Future of Health Insurance with Trump

health-insurance-changes-ahead-2017BOOKMARK THIS PAGE: We will Update as changes are made to Individual Health Insurance

We all know that due to the election of Donald Trump there are going to be many changes. One of the largest is regarding Individual Health Insurance. Especially since he has proclaimed to repeal “Obamacare”. 

Don’t be worried, as we are here to notify you of any changes as they occur! Our goal is to guide you through what happens next…

The 2017 Open Enrollment will continue as planned from Nov 1st 2016 to Jan 31st 2017.

(Click Here) for Information on 2017 Health Insurance Options

BOOK A MEETING to go over 2017 Plans!

It took 3.5 years from when the Affordable Care Act was passed on March 23rd 2010 until it was implemented on January 1st 2014. From speaking with many other professionals we are projecting that it would take about 2 years for any real structural change to occur. The soonest changes would be made are for 2018 plans since you are locked in. At least we can hope..

Changes to Expect:

Pre-Existing Conditions: There will be a waiting period for pre-exisiting conditions (there was a 9 month waiting period before the ACA). This would LOWER prices since people would not be able to “game the system” of getting coverage instantly for immediate medical issues occuring while uninsured. However if coming from a Group Plan they would waive the “waiting period” for having continuous coverage.

More Choices: With the ACA, the fully loaded Gold/Silver/Bronze policies currently cover “all” medical conditions. If you are able to choose a more “catastrophic only” policy this will result in cheaper policies for those that choose these and more expensive policies for those wanting the full coverage plans.

How to Enroll: It’s expected there will be no Open Enrollment period since the health insurance carriers will be able to underwrite and use waiting periods to “manage risk”. This means you will most likely be able to buy any time of the year.

Individual Mandate: Trump has proclaimed to end the manadate to buy health insurance and eliminate the tax penalty if you don’t.

Below is an independent article going over potential changes.

How Trump Might Change Health Insurance

Health Insurance carriers would not stand for any changes to simply drop coverage immediately since policies are locked in for a calendar year. Changes for the next year would move you to the next closest plan just like it did when the ACA was first implemented and you were moved to a new Gold/Silver/Bronze plan.

Give us a call at 425-802-2783 if you have any questions, as we want to ensure that you make an informed decision about your medical needs.

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

Individual Dental Insurance

dental insurance logoGETTING DENTAL COVERAGE

Please read this entire blog before calling us about Individual Dental Insurance at 425-802-2783 or health@achieve-alpha.com. It’s very simple as long as you go over your options and click on the blue links for additional information.

There is no such thing as a great individual dental insurance. Typically the people that ask specifically for dental coverage have more dental needs. In general a group plan has better benefits since they are able to spread the costs across all the employees (especially those that don’t use as much dental services).

In Washington State there are a few decent options. The two that I have found that are the best are:

  1. Delta Dental (more expensive, has a large network of dentists, yet with more limited annual services)
  2. Dental Health Services (lower cost, has a smaller network of dentists, yet extremely good coverage for services)

NOTE: One key disadvantage of getting Individual Dental Insurance is that you need to keep the plan for an entire year, so if you are looking for longer term dental coverage these are great options!

Delta Dental logo2

Check out the OVERVIEW of Delta Dental

If you want to see a specific dentist, then you want the Delta Dental plan. We typically recommend the Enhanced Plan, as its a bit more expensive than the other Delta Dental plans, but provides significantly more value! It really does. So be smart and choose the Enhanced Plan.

The downside is that with the Enhanced plan is that there is a max out of pocket of $1,000 per year. You get strong discounts on dental services until you hit the max that Delta Dental will pay. Then the discounts end on your plan as well.

Since services are covered up front there is a 12-month waiting period for Major Dental services (Crowns & Root Canals), however if you had prior group coverage that is ending you have up to a 60 day period to enroll in a plan. In that case the Major Services would be covered at the beginning of the sales period.

delta-dental_pricingMAJOR SERVICES COVERED

  • Cleanings
  • Fillings
  • Crowns
  • Root Canals
  • Dentures
  • Braces (not covered for any reason)

Steps for getting Delta Dental:

  1. FAQ for Delta Dental

  2. Enhanced Plan Extremely Detailed Outline of Benefits

  3. Check the Dentist Directory (Very Wide Network of Dentists)

  4. Sign Up for a Delta Dental Plan (CLICK HERE)

 

Dental Health Services logo

Check out the OVERVIEW of Dental Health Services

I personally have the Dental Health Services Smart Smile plan, as it’s a low cost plan and I did not care which dentist I saw…as saving money for me was worth it and I found a good dentist in their network.

The reason that Dental Health Services (DHS) is so affordable is that any fees you pay the dentist is what they keep for services. This means that DHS can keep the overhead lower and provides clients with a more straight forward cost for services. Check out the information below, then click on the link to sign up.

NOTE: Another huge advantage is that there is NO max out of pocket, so if you intend on using a lot of dental services this is the plan for you!

dhs-pricing-for-2016

MAJOR SERVICES COVERED

  • Cleanings
  • Fillings
  • Crowns
  • Root Canals
  • Dentures
  • Braces (yes, this plan covers them!) If you have a child that needs braces chose this plan!

The cost for services are broken out for every single procedure done. The brochures below show an estimated full price for that service with and without insurance that doctors charge. This helps when looking at the entire value for what the plans provide.

Steps for getting Dental Health Services:

  1. Smart Smile (Detailed Cost Breakout)

  2. SuperSmart Smile (Detailed Cost Breakout)

  3. Check the Dentist Directory (It’s fairly limited. Pick a dentist when signing up, you can switch anytime)

  4. Sign Up for a Dental Health Services Plan (CLICK HERE)

 

Below are my areas of expertise:

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

VSP Individual Vision Plan

BannerAD3C

The VSP Individual Vision Plan is widely accepted by most eye doctors offices (more than 34,000 nationwide) and provides great value for those with glasses and contacts.

To be honest, the VSP Individual Vision Plan is very straight forward…what you see is what you get (pun fully intended). The coverage is about the same for either option, so if you intend on using a bit more in vision coverage get the better plan. Here is the VSP plan brouchure or see the overview of the two plan details below. 

  1. You an look up doctors on the VSP Doctor List, or call your local vision doctors office.
  2. When you sign up, your coverage goes for an entire year (you can pay Annual or Monthly, yet still a year contract). The first payment comes out upon submission, if paying monthly then the future payments on the 15th of each month.
  3. There is NOT a physical ID card that is mailed to you. Simply notify the doctor that you have a VSP plan and they will look you up in the active clients system.

Sign up HERE for a VSP Individual Vision Plan!

For any questions please call the Customer Support Line at 800-877-7195.

You can go to out of network providers for a smaller discount on your plan, yet it is NOT recommended. You would pay cash for the visit, then submit it for reimbursement to VSP.

P.S. If you have any questions please give me a call at 425-802-2783. However, to be honest, I will direct you back to this blog post. It lays out all of the benefits in a straight forward manner better than I could in person or over the phone.

VSP Base Plan

VSP Base Prices

VSP Base Plan1

VSP EasyOptions Plan

VSP EasyOptions Pricing

VSP EasyOptions Plan

Additional Options on Either Plan

VSP Lasic

Below are my areas of expertise:

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

Achieve Alpha