From Obamacare to Bidencare to BobCares
Helping Families Protect Health, Wealth and Assets
SOME OF OUR CARRIERS
OUR FAMILY OF PRODUCTS
Since the implementation of the Affordable Care Act in 2014 individuals and families, purchasing non-group “Individual Market” health insurance, have found plan selection challenging. Combining an understanding of personal need, budget and availability of HMO and PPO options will assist in choosing coverage wisely.
Affordable Cares Act (ACA)
Health Indemnity Plans
Short Term Medical Plans
Short term plans are a lower cost alternative to major medical plans. These plans have traditionally been for people in transition but though they are referred to as short term can be held for one month to three years.
Short and Long Term Disability Insurance
Dental and Vision Plans
Upon attaining the age of 65 individuals may be eligible for Medicare benefits.
In cases where an individual is covered by employer group coverage, they have “credible coverage”
and can decide to delay their Medicare benefits with no penalty.
Medicare Advantage (Part C)
Medicare Supplement Plans
Work only with Original Medicare and pay gaps in coverage (coinsurance, copayments and deductibles). Each insurers plan (i.e. Plan G, Plan N) must offer the same basic benefits. To avoid penalties Part D drug coverage must be purchased separately.
Prescription Drug Coverage (Part D)
Drug coverage offered by private insurers that can be purchased separately or included with an Advantage Plan. Unless Medicare eligible individuals have existing “credible coverage” they are subject to a penalty if Part D is not chosen at time of eligibility.
Life insurance is for the living and meant to protect families and loved ones from financial ruin as a
result of lost earnings. We are living longer which has made the cost of life insurance inexpensive while the real cost for not having it can be expensive.
Term Life Insurance
Whole Life and Universal Life
Final Expense Life Insurance
Ancillary or voluntary plans provide peace of mind in the event a costly treatment is not covered by typical health insurance. With advances in health care survival rates for catastrophic illnesses are increasing but cost of treatment is also increasing. Ancillary plans help protect against possible medical bankruptcy.
42% of costs associated with cancer are indirect not covered by health insurance. Cancer plans provide options for lump sum cash payments or benefits paid for required procedures and travel, lodging expenses over the course of the illness. 41% of men and 38% of women will be diagnosed during their lifetime.
A stroke happens every 40 seconds and is a major cause of long-term disability. Recovery is a lifelong process and the average annual out-of-pocket costs are $23,380.
Hospital Confinement (Indemnity)
Home Care Insurance
Recovery in a hospital or nursing facility from an unexpected accident or illness can be expensive. Home care coverage, makes it possible to stay in your own home with skilled assistance when faced with a medically necessary need for home health care.
As a Licensed Georgia Health and Life Insurance Advisor since 2009 I have been focused on the “individual” (non-group) market. This niche has been significantly impacted by the 2014 implementation of the Affordable Care Act (ACA). I have a broad portfolio of health & life insurance options which I do not want clients to need but have if needed.
The price of Health insurance does not have to be expensive but the real cost of needing it and not having it will be. In face-to-face conversations (in-person & over the internet), I personalize coverage to address need and budget. Individuals seeking the protection of health & life insurance have the freedom to choose an agent. Since 2009 I am proud of my long list of clients and 65 and over or under, know BOBCARES. I am happy to provide references upon request.
Licensed Georgia Health and Life Insurance Agent
American Health Industry Plan (AHIP) Certified
Federal Exchange Marketplace Certified
WHAT CLIENTS ARE SAYING
In the 20 plus years I have known and/or worked with Bob, I can think of no one with more integrity and professionalism. Bob is truly a caring and person of knowledge, regardless of what area he is working in. I highly recommend Bob and would encourage you to engage with him.
Bob was able to get our family the coverage we needed at a rate we could afford.
Bob's knowledge enables him to break down the complex decisions about Medicare coverage choices into more manageable pieces and to present options tailored to individual need, without pushing an agenda. I am most appreciative of his work with me which provided me with critical coverage a few months later, when I found myself facing an ER visit and overnight hospital stay with a large array of needed testing. I most highly recommend him to anyone looking for help with health insurance questions.