MEDICARE OPEN ENROLLMENT - Oct. 15th - Dec. 7, 2016

September 6th, 2016 by Marie DeWolf

MEDICARE OPEN ENROLLMENT - OCTOBER 15 – DECEMBER 7

The Annual Election Period (AEP) is an annual open enrollment period that allows Medicare participants to review their current plan and discuss changes to the plans for 2017. During AEP, you may:

  • Switch from Original Medicare to a Medicare Advantage plan
  • Switch from a Medicare Advantage plan back to Original Medicare
  • Switch from a Medicare Advantage plan to a different Medicare Advantage plan
  • Switch from a Medicare Advantage plan that doesn’t include drug coverage to one that does and vice versa
  • Join a Medicare prescription drug plan Switch from one Medicare prescription drug plan to another one
  • Drop your Medicare prescription drug plan

This is an excellent opportunity to update the Part D (drug) plan. You can change your Drug plan every year at this Open Enrollment. If you have new prescriptions or your current plan is changing, a different plan may work better, to cover your current and new drugs.

Let us know if you have any questions and would like to visit and review your plan to make sure it is the RIGHT plan for your present needs.

Contact Marie DeWolf:
mgdewolf@frii.com
970-622-9982

There is still time before Health Insurance Open Enrollment DEADLINES!

December 10th, 2015 by Marie DeWolf

Marie DeWolf Insurance is here to help you BEFORE the open enrollment deadline, call today. Serving Northern Colorado's health insurance needs.There is still time!

Yes, the Holidays are nearly upon us, but you still have until December 15th to make your Open Enrollment selections to be effective 1/1/16.

And you have until January 15th to make your Open Enrollment selections to be effective February 1st.

Do not delay!

If you need help, call us. We are here to help you sort out the details BEFORE the deadline.

Then with that task over and done with, you can simply relax and enjoy the Holidays!
Call Marie DeWolf Insurance today to regain your peace of mind: 970.622.9982

Hello and Welcome to 2015 Health Insurance Open Enrollment

October 26th, 2015 by Marie DeWolf

Jack-O-Lantern is a reminder of fall and Open Enrollment for Health Insurance; in Northern Colorado call Marie DeWolf Insurance for FREE help: 970-622-9982.Hello and Welcome!

October  is here ... and along with Halloween, that means Open Enrollment will be here very soon.

For a plan effective 1/1/16:
Open Enrollment begins November 1, 2015 and runs until December 31, 2015 

For a plan effective 2/1/16:
Open Enrollment begins November 1, 2015 and runs until January 31, 2016 

Get ready to study new plans, make changes to your current plans and even just enroll in a plan. Enrolling in a plan will save you fees and penalties at the time you compute you taxes every year. This penalty increases every YEAR.

Do you know we can help you with enrolling in plans “ON or OFF” the Exchange?

The Exchange is a vehicle to help you pay your premium, a subsidy may be available to you – it’s a way to reduce your premium and still get a great insurance plan. The Exchange is also known as ConnectforhealthCo.org, check it out and call us.

Marie DeWolf – 970-622-9982 – WE CAN HELP AND IT IS FREE!

MEDICARE Open Enrollment is NOW!

October 24th, 2015 by Marie DeWolf

MEDICARE OPEN ENROLLMENT IS HERE: OCTOBER 15 – DECEMBER 7

Medicare Open Enrollment allows Medicare participants to review their current plan and discuss changes to the plans for 2016.

  • This is also an excellent opportunity to update their Part D (drug) plans.
  • Did you know you can change your Drug plan every year at Open Enrollment?
  • If you have new prescriptions or your current plan is changing, a different plan may work better, to cover your current and new drugs.

It is worth your time to check with your Broker and make sure your plan is the RIGHT plan for your present needs.

Call Marie DeWolf Insurance: 970-622-9982 - WE CAN HELP AND IT IS FREE!

MAY is Disability Insurance Awareness Month

April 30th, 2015 by Marie DeWolf

 

How would you like to receive up to 60% of your income if you couldn't go to work because of an accident or sickness?

MAY is Disability Insurance Awareness month - dedicated to talking with working consumers about the importance of insuring their incomes. So let's start the discussion!

Two thirds of Americans told us salaries were their second most valuable asset, yet only 29% of them took any steps to protect it.

Now is the time to think about it realistically.

  • How long could you afford to go without a paycheck???
  • You use your paycheck mainly to pay for your home, your car, groceries, medical bills and utilities.

WHAT IF YOU COULDN'T GO TO WORK DUE TO AN ACCIDENT OR SICKNESS?

Ask yourself these questions:

  • How much coverage you need?
  • How long will I receive benefits?
  • When will my benefits start?
  • How much will it cost?

Call us at Marie DeWolf Insurance - 970-622-9982.

We'll help you answer these questions with confidence!

Workers' Compensation

April 3rd, 2015 by Marie DeWolf

Insurance Protection for the health of
your employees – and your business.

As a small business owner, one of your most important assets is your people. So when an employee suffers a work-related injury or illness, you feel it – both emotionally and financially.

Because employee injuries can impact your insurance premiums and your profitability, you need the knowledge of a seasoned company that offers the coverages and capabilities to help address these indirect costs.

At The Hartford, we're dedicated to helping you get injured employees back to work as quickly as is medically appropriate - so you can limit losses. We can even assist you in preventing injuries and illnesses from occurring in the first place.

Broad Range of Coverages*

Perhaps what business owners appreciate most about The Hartford's Workers' Compensation Program is our range of coverages. Because not every company's needs are the same, we offer two versions of our Workers' Compensation Broad Form Endorsement. Not only you find many of the standard coverages in our Basic version, but we also go beyond these statutory requirements. And if you're looking for additional coverages, you'll find we pack even more value into our Extended Options plan.

Here are just some of the coverages included in our Basic Broad Form Endorsement that may be especially valuable to your business:

  • Reimbursement for your reasonable expenses - including loss of earnings - incurred on your behalf in connection with a claim, proceeding or suit we defend.
  • Employer's liability stopgap for all states where workers' compensation is provided by a monopolistic state fund.
  • Voluntary compensation for your employees who are not covered by state statute.
  • Sixty days - versus the industry standard of 30 days - to notify us to add states where you have newly set up operations.

Our Extended Broad Form Endorsement Option adds valuable coverage at a nominal increase and includes all of the enhancements offered in our basic option, plus:

  • Increased limits for employers' liability insurance.
  • Waiver of our right to recover from other parties liable for an injury to your workers in those instances where you have signed an agreement with the other party requiring such a waiver.
  • Extension of workers' compensation insurance to cover your employees who suffer employment-related injuries or illnesses while traveling on business outside the United States.
  • Coverage for your obligation under the United States Longshoremans and Harbor Works Act to provide these federal benefits if an employee should unexpectedly be found subject to the Act.

Why Choose The Hartford

With workers' compensation insurance from The Hartford, you get the coverages you need at a competitive price. And you have peace of mind knowing that a financially stable insurance company with almost 200 years of expertise is protecting your business - and working to help you improve workplace safety.

* All coverages are not available in all states

This document outlines in general terms the coverages that may be afforded under a Hartford policy. All policies must be examined carefully to determine suitability for your needs and to identify any exclusions, limitations or any other terms and conditions that may specifically affect coverage.

Do you know what your auto policy covers?

March 13th, 2015 by Marie DeWolf

Spring Forward

Warm Weather

Road Trips

They are coming!

Do you know what your auto policy covers?

DEFINITIONS:

Coverage A:

Liability:
The state of being responsible for something.

Limits:
$100 / $300 / $100      What does that mean?

In the case where the insured is responsible for an accident and is sued by the person (s)
from the other vehicle involved,

$100: The insured person has bodily injury liability limits up to $100,000 per person
$300: The insured person has bodily injury liability limits up to $300,000 per accident
$100: The insured person has property damage liability limits up to $100,000 per
accident

Make sure you are covered or you may have to pay yourself.

Coverage B:

Medical Payments

Payment for medical and/or funeral expenses to you and your passengers due to bodily injury

Coverage C:

Insured/Under-Insured Motorist Coverage

This coverage applies in situations when the at-fault driver who causes an accident is either not insured

at all or has insufficient liability limits to pay for the damages s/he caused

There are other options, such as having Full coverage, having higher limits, adding roadside assistance, and more!

Give us a call to discuss what coverages would work for you!

YES YOU CAN still enroll for Health Insurance

December 18th, 2014 by Marie DeWolf

SO ... the initial 'OPEN ENROLLMENT PERIOD'  from November 15th to December 15th is OVER.

Hopefully you were able to get the changes made you needed to make, and got enrolled in the plan you wanted.
Did you know the subsidy amounts went down for 2015?

If you had a challenge on the "CONNECTFORHEALTHCO.COM" website, you can give us a call. We will try to help you ... we know how hard it is to navigate!

WE CAN HELP !!!!

Most important of all, you can still enroll in a plan.
YES YOU CAN!

You now have until January 15th to have an effective date of February 1, 2015.

If you are looking to make a change from your current plan to another better option for your circumstances in 2015 - there ARE choices. We have an old/new carrier that has changed the plan designs and they are very competitive this year.

Colorado HealthOP is a new driver for Northern Colorado. They provide two different networks of providers. The EPO (Exclusive Provider Organization) includes the Banner Health System, including McKee Medical Center in Loveland and Northern Colorado Medical Center in Greeley.

The PPO (Preferred Provider Organization) includes all providers that are in the Coffinity network. This network is a broader network and includes providers throughout the whole state.

Check with your provider to see what network they participate in.

Call us for more details! 970-622-9982

Open Enrollment Dates to Remember

October 25th, 2014 by Marie DeWolf

OCTOBER 15, 2014

You can begin previewing the health insurance plans for 2015 (but ify ou qualify for cost reductions, you won't be able to see what your exact costs will be, even in your current plan – until November 15, 2014.

 

NOVEMBER 15, 2015

Open Enrollment for 2015 begins! Whether you are an existing customer or one who is apply for the first time (and are eligible), this is the first date you will be able to compare how much YOU would pay for different health plans, based on your own financial situation. When you've chosen the plan that owrks best for you, you can purchase a private plan – or are required to re-apply. Those who miss this date may have a gap in insurance coverate.

 

FEBRUARY 15, 2015

Open Enrollment for 2015 ENDS. Unless you have certain changes in your situation later, this is the LAST DAY to enroll in health insurance and avoid paying a fine in 2015.

There are 3 NEW ways to help pay for Health Insurance

October 18th, 2014 by Marie DeWolf

There are three NEW WAYS to help pay for Health Insurance ...


One may apply to you!

If you are an individual making:

  • Less than $15,500
    No monthly cost (premiums) and very low co-payments for things like doctors, lab and prescriptions
  • Between approx. $15,500 - $29,000
    Lower monthly premium payments plus help paying for co-payments and deductibles
  • Between approx. $15,500 - $46,000
    Lower monthly premium amounts

If you are a family of 4 making:

  • Less than $31,500
    No monthly costs (premiums) and very low co-payments for things like doctors, lab and prescriptions
  • Between approx. $31,500 - $59,500
    Lower monthly premium payments plus help paying for co-payments and deductibles
  • Between approx. $31, 500 - $95,000
    Lower monthly premium payments

Call 970-622-9982 or email us to discuss!

OPEN ENROLLMENT IS 11/15/14 – 12/15/14

FOR COVERAGE EFFECTIVE January 1, 2015