Radical Insurance Agency LLC

Goodnight 2023

Dr. Brown explains one of the reasons drug prices are so high.

Opinion | It's Time to Reform the Mysterious PBM System Vertical integration and a lack of transparency are at the heart of the problem

https://youtu.be/1muBNroZQug

Jean Chastain, your Medicare specialist

Happy Thanksgiving y'all!

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Here are the top 4 points you should know about how this newest COVID-19 relief bill impacts ACA enrollments:

1. Larger subsidies for 100—400% FPL. Most significantly, enrollees who are within 100 - 150% FPL are eligible for a $0 premium silver plan with substantial cost sharing reductions that lower deductibles.

2. Expanded APTC eligibility to those above 400% FPL. The new bill caps the percentage of income paid for a Marketplace benchmark silver premium to 8.5%, which makes ACA coverage significantly more affordable for enrollees who traditionally had too high of an income to qualify.

3. APTC guarantees for enrollees receiving unemployment compensation. If an enrollee is receiving unemployment compensation, they will qualify for subsidies as if their income is 133% FPL. This means these enrollees are eligible for a silver plan with a $0 premium and significant cost sharing reductions.

4. These subsidies are retroactive to January 1st, 2021.

2021 Special Enrollment Period Access Extended to August 15 on HealthCare.gov for Marketplace Coverage.

President Biden announced that the Centers for Medicare & Medicaid Services (CMS) is extending access to the Special Enrollment Period (SEP) until August 15 – giving consumers additional time to take advantage of new savings through the American Rescue Plan.

If you are currently on a Marketplace plan, call me at 214.418.4738 and I will see if you can get lower premiums and more Cost Sharing Reduction than you are getting now.

If you are uninsured, don't assume that because it was too expensive in the past, you can't afford it now. Call me at 214.418.4738 and get enrolled today.

Open enrollment for healthcare.gov has been extended to August. If you are uninsured, call me today!

Get 2021 health coverage. Health Insurance Marketplace® Official site of Affordable Care Act. Enroll now for 2021 coverage. See health coverage choices, ways to save today, how law affects you.

Van Taylor had a town hall call last night. If you need help recovering from the deep freeze, the order you do things matters. First, file a homeowner's/renter's claim with your insurance company. Then ask for FEMA assistance, which is a grant (doesn't have to be paid back). If you are declined FEMA assistance, contact the Small Business Administration and ask for their assistance, which is a loan. The SBA will do a credit check because the loan has to be paid back. If you do not qualify for an SBA loan, you can go back to FEMA and ask again. If you bypass FEMA, SBA will send you back to them.

From AARP September 2020 bulletin - 6 things you should never do again:

1 - Pass a sink without washing your hands
2 - Leave home without a pen in your pocket
3 - Wake up to an alarm clock
4 - Drive when you should walk
5 - Smoke a cigarette
6 - Eat buffet style

If you're a diabetic, there are some Part D Prescription Drug Plans (PDP) and Medicare Advantage (MAPD) Plans which use the Senior Savings Model to cap certain insulins at #35/month. Call me to find out which.