From Obamacare to Bidencare to BobCares

Helping Families Protect Health, Wealth and Assets



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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)

Implemented in 2014, The Federal Marketplace is the exchange for selecting Major Medical HMO plans. Individuals/families can qualify for tax subsidies based upon the income level. ACA plans do not have exclusions for pre-existing medical conditions.

Health Indemnity Plans

Typically PPO health plans that can be over 50% less than unsubsidized ACA plans. Benefits are a fixed amount which allows consumers to consciously choose providers, care of treatments and select benefits according to personalized health care needs.

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

Insurance for your paycheck or lost income, which can happen at any age. There is a 30% chance of suffering a disability over a career that can cause more than a 90 day absence from work.

Dental and Vision Plans

Dental and Vision care are important preventive tools in providing early warning systems in uncovering diabetes, respiratory disease, osteoporosis, and cardiovascular disease glaucoma, diabetic eye disease, age-related macular degeneration and high cholesterol and high blood pressure.

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)

Approved by Medicare and run by private insurers offering a variety of HMO, PPO, PFFS options. All Original Medicare Part A (hospital) and Part B (medical) benefits are mandated to be covered by Advantage Plans. Plans have a maximum out-of-pocket limit, multiple value-added extra benefits and may include Part D (prescription Drugs).

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

Offer protection for your loved ones for a specified period of time —usually 5 to 20 years. Term policies pay benefits if you die during the period covered by the policy but do not build cash value.

Whole Life and Universal Life

Policies do not expire and intended to protect your loved ones permanently. These types of policies can accumulate cash value.

Final Expense Life Insurance

Also known as burial insurance designed to remove the burden of family members as they cover bills your loved ones will face after your death. The costs include medical bills and funeral expenses. Unfortunately, even bare-bones funerals can cost thousands of dollars.

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.

Heart Attack

The leading cause of death for men and women and one of the most expensive conditions treated in hospitals. 85% of people who have a heart attack will survive and with appropriate care and prevention live a long, productive life.


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)

Coverage helps offset the cost of deductibles, co-pays and unexpected or additional expenses incurred but not covered by other insurance plans.

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.

Skilled Nursing

The expense of hospital confinement can result in shorter hospital stays followed by costly rehabilitation and therapy. At least 70% of people over 65 will need long-term care services and support at some point.


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.   ​

Bob Smith
  • Licensed Georgia Health and Life Insurance Agent

  • American Health Industry Plan (AHIP) Certified

  • Federal Exchange Marketplace Certified

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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.

Paul W.

Bob was able to get our family the coverage we needed at a rate we could afford.

Steven P.

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.

Suzanne P.



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Proudly Servicing
the State of Georgia
Since 2009