From Obamacare to Trumpcare to BobCares

Helping Families Protect Health, Wealth and Assets




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.

Is Credit Restoration legal?

Yes, it is legal and our services will help you to use the law in your favor. That law is called "The Fair Credit Reporting Act." The FCRA gives you the right to dispute any item on your credit report. If that item cannot be verified within a reasonable time (usually 30 days) it must be removed. Studies have shown that 79% of all credit reports contain errors. This is nearly 8 out of 10 reports. Therefore most credit reports improve immediately. For items that disputed that are not errors, a creditor or furnisher is often unable to find the records or signed documents within the allotted time and the item gets removed. Sometimes the furnisher will say it has been verified by not offer proof. It is our job to prepare documents that challenge this and we are very skilled at that.

Is Credit Restoration worth my time and money?

Contrary to what credit bureaus want you to believe, credit restoration does work in most circumstances. But it only works if you are getting the best advice from an experienced professional. Anyone with a credit score below 720 can benefit long-term from the advice and information provided through credit education. However, there are limiting factors that will prevent us from helping you. Two main factors are: (1) your financial situation and/or (2) the time frame in which you need to reach your results. It is possible to remove anything from a credit report, even accurate items. For instance, if the creditor makes mistakes or does not adhere to the specific time frame, the negative item may be removed. Also, there are specific requirements the Credit Bureau, Collection agencies, and Creditor must adhere to, when placing items on consumer credit reports, if these requirements are not met, the negative items can be removed.

What can I expect when I enroll in for AAACredit Services?

We will guide you through the process from start to finish and prepare all your documents for you. We have a superb knowledge of credit scoring and experience working with creditors and credit bureaus. It may be difficult for an individual to communicate with creditors and bureaus without an adept understanding of their techniques and regulations in place for credit reporting. We have spent a great deal of time learning the laws that will help you to remove negative information on your report, which enables us to offer you a flawless, money back guarantee system. (Clients should receive updated credit reports every 15-45 days. It is the client's responsibility to make us aware if updated reports have not been received).

How long will it take to raise my score?

Through our services, we're quick and efficient and mail off dispute letters within the first week. Credit Bureaus have 30 days to respond to dispute letters, so you will see improvement within the first 45 - 60 days. NOTE: Each credit report is different, thus credit completion will vary based on your current credit standing and your credit goals. Many clients average 6-9 months in program.

Why is AAACredit different?

On average, we remove 90% of the negative items from a credit report. We're affordable, trustworthy and we GET RESULTS! No Hidden Fees.

Will the removed items come back?

98% of items do not come back. By law, Collection agencies and credit bureaus must notify you before putting items on your report. Moreover, collection agencies can transfer debts, in which case, you have 30 days to respond to the debt. If an item does come back, we can target to delete.

What items can you help me to remove and improve?

With our assistance, our clients have had great success with bankruptcies, collections, charge-offs, repossessions, medical bills, utilities, credit card debt, inquiries, old addresses, judgments, tax liens and student loans.

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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