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2017 Health Options

2017 Health Options

Here is the actual notification that we mailed to all of our health insurance policyholders this past week notifying them of their 2017 Health Options.  Please read carefully and if you have insurance through one of the companies listed below, depending on which state you live in, the information may vary.  Check with your agent or carrier direct if you are not our customer.

To:  All Health Insurance Policy Holders in various states – All Carriers
From:  Your General Agent Bonny Allbright & Staff at Freedom Benefit Solutions

It’s that time of year again to figure out your best options for Health Insurance coverage for 2017.  Unfortunately, we do not have near the options we had last year.

  • Several companies are not offering coverage at all for 2017
  • Some have limited their coverage to a few specific areas.
  • Everything has gone to HMO coverage. PPO’s are basically non-existent!
  • More doctors are accepting the HMO’s, but finding doctors is still a challenge
  • We are seeing an average of 30% – 42% rate increases for 2017
  • Several companies are discontinuing 2016 policies and you must enroll in another plan

Listed on the next page is what Action you will need to take with different companies, depending on who your coverage is with.  Most of them are discontinuing 2016 coverage and you must select another plan or option for 2017 coverage.

 (This information does not pertain to Group coverage thru an employer or Medicare policies).

The last page is showing some alternative options for Health Coverage in 2017 that may be a solution for some of our customers.  We will be ready to answer your questions and help you with any of your options.

Please call or email for alternative options for 2017:
 936-756-6199 or info@fbsagency.com

PLEASE READ CAREFULLY, YOU MUST TAKE ACTION.

 

United Health Care

You must take Action! UHC Has pulled all ACA plans off the market for 2017.  The exception is:  Short Term and Medicare plans.   For 2017, you must enroll in other coverage with another company, if you have a health plan with UHC other than a Short Term or Medicare plan.  Call us or go to 2017HealthOptions.com for plan info.

Humana

You must take Action! Discontinuance of all plans.  For 2017 you must enroll in new coverage.  Call us or go to 2017HealthOptions.com for plan info.

Aetna

You must take Action!     Discontinuance of all plans.  For 2017 you must enroll in new coverage.  Call us or go to 2017HealthOptions.com for plan info.

Scott & White

You must take Action! Your 2016 plans will end and you must enroll in a new plan either with Scott & White, or with another company. Call us for plan info.  Scott & White will only offer Bronze Plans for 2017 and their coverage area is primarily thru out Central Texas and some areas around Dallas – Ft Worth area.

Memorial Herman

You must take Action! Your 2016 plan will end and you must enroll in new coverage for 2017. Call us for plan info.

Cigna

You must take Action! 2016 ACA plans are ending.  For 2017 you must enroll in new coverage.  “Does Not” apply to Grandfathered plans. Call us for plan info.

Blue Cross Blue Shield of Texas

NO ACTION REQUIRED, unless making a plan change or updating your subsidy. FYI…the Producer number in your Renewal letter is “not” our direct number…the Correct number is (877) 740-8683.  BCBS is the “only” carrier, who will continue to offer plans in every county in Texas.  If you have current coverage with BCBS you will be auto-enrolled into a like 2017 plan.  Grandfathered plans will not be affected by this.

We suggest “not” contacting BCBS direct, but rather call us, your agent, at (936) 756-6199 or toll free (877)740-8683.  Last year several of our customers received incorrect information by calling direct.  There were payment issues, policies being cancelled, and some lost coverage completely.  We tried to help, but we were no longer their agent and they had to fix their own problems.

Going direct DOES NOT save you money.  Having a personal agent/broker is free.  When you have an issue we can be most helpful to you in getting it resolved without you having to be on hold those 2 – 3 hours with inexperienced customer service reps, who have difficulty solving any issues.  By having a broker, you receive personalized attention with any issues that come up in the future.  We will take care of your issues in much less time than any of the customer service reps can.

If you do call BCBS direct, please make sure you get the name of the person you talked to and tell them your agent is:  Freedom Benefit Solutions / Bonny Allbright.

It would be very helpful if you could let us know if you made a change “directly”, so we can make sure your change is processed and in effect.

For Your Specific 2017 Options go to:
www.2017HealthOptions.com

Group Insurance

  • Good for Small Business Owners
  • Must have at least two people with one being a W-2 employee
  • PPO’s still available on Group Policy
  • Rates will be about the same maybe a little less

Short Term Insurance

  • Coverage for up to a year at a time.
  • Major/Medical – Utilizes a PPO network – Some plans include doctor and prescription co-pays
  • Must be healthy – No Pre-existing conditions. **Guarantee Issue plans available.
  • Rates about 50% less than ACA plans
  • Not ACA qualified, so you may be subject to Penalty, but your overall savings will be less

Sharing Ministry Plans

  • They are not regulated by the state, so there are no guarantees
  • Must adhere to living a strict Biblical lifestyle (no smoking, no drinking, etc)
  • Membership can be cancelled anytime and sharing of medical costs can be refused.
  • No Pre-existing conditions are covered
  • Exempt from ACA rules and regulations, including the Penalty.
  • Cost considerably less than ACA plans.
  • We can enroll you, but will make sure you know pros and cons before taking this option.

ACA Health Insurance Plans

  • This is the standard Health Insurance coverage most of you have been on for years.
  • Guaranteed Issue – Full Coverage – Subsidy qualified – ACA qualified

Thank You for allowing us to be your agent and please contact us if you have any questions or concerns about your insurance now and in the future.