Wednesday, November 4, 2015

​​Be sure to read the fine print before you sign on the dotted line!
An assignment of Benefits Agreement is sometimes provided by contractors that specialize in home repair and restoration, as well as roofers and plumbers.
Before signing any document that includes Assignment of Benefits language, please read carefully and consider speaking with your insurance agent. Also referred to as an “AOB,” the agreement authorizes the contractor to act on your behalf and may allow the contractor to receive funds directly from your insurance company. By signing an Assignment of Benefits document, you may be “signing away your rights.
Click link below to watch short video:
Assignment of Benefits via @towerhillins
Fearnow Insurance

2016 Open Enrollment for the Individual Market
November 1, 2015 – January 31, 2016
As a reminder, customers need to be enrolled by December 15th for coverage effective January 1st.
The countdown starts now…6 weeks until December 15th.
If you miss this current Open Enrollment Period, you will not be able to obtain a Government Health Plan until 2017.
What You Need to Know About Open Enrollment
The Open Enrollment Period for 2016 begins on November 1, 2015 and ends on January 31, 2016. All Americans must have health insurance or face a fine.
Important: In order for your coverage to begin on January 1, 2016, you must enroll by December 15, 2015.
Important: If you currently have a 2015 Government Plan, for 2016 you have to renew your existing plan or enroll in a new one. You will not be automatically re-enrolled.
You will not be able to sign up for a Government Health Plan until the next Open Enrollment Period. The only exception is that if you experience certain life changes after Open Enrollment -- known as “Qualifying Life Events” -- you could be re-eligible to enroll.
To minimize your chances of not having health insurance, it is highly recommended that you do not miss the Open Enrollment Period and enroll immediately during this time.
What If I Don’t Sign Up for a Health Plan?
If you do not have health insurance in 2016, you stand to face a fine in the form of a tax penalty on your federal income tax return.
The penalties are whichever of the below two is the greatest amount:
2.5% of your household income; or
$695 per adult / $347.50 per child, with no household limit
The Affordable Care Act was designed to ensure that all Americans have health insurance. To make sure no one is uninsured, health care has to be truly attainable and affordable. That is why you cannot be denied coverage for preexisting conditions, and your costs could also be greatly lowered by subsidies -- or “discounts” -- if you meet certain income guidelines.
Universal and affordable health care can only work if everyone is covered. Remember that uninsured patients can become very costly for everyone. That is why you can be penalized for not having coverage. If you miss the Open Enrollment Period and have a Qualifying Life Event, you can still get a government health insurance plan during the Special Enrollment Period.
When Does My Coverage Begin?
If you enroll during the first 15 days of the month, your coverage begins on the first day of the following month. For example, if you enroll by January 15, 2016 your coverage will begin on February 1, 2016.
Enrolling during the last half of the month means your coverage begins on the first day of the second month. For example, if you enroll on December 16, 2015, you will have to wait until February 1, 2016 for your coverage to begin.
Call us today for more information at 813-865-4202 and ask for our Life and Health Specialist, Anthony Perry or email,

Monday, November 2, 2015

Confused about Medicare? You are not alone
Use these tools to help guide and support your Medicare education experience.
Medicare Education Checklist
Learning about Medicare shouldn't be limited to just one week of the year. Taking the time to review your coverage options and stay informed about Medicare may help you feel better prepared to enroll in Medicare for the first time or make confident health care decisions during Medicare Open Enrollment (Oct. 15-Dec. 7). Use this checklist to help you learn more about Medicare.
Start with the Basics: Mastering the basics of the Medicare program may help you feel prepared to find the coverage that's right for you. Check out the Learn about Medicare page, watch the Medicare Overview video or get familiar with some terms in the Glossary.
 Ask the Right Questions: Medicare isn't one-size-fits-all. You have lots of options as you're deciding which coverage is right for you. But those options can sometimes feel overwhelming. Make it easier by asking yourself some key questions that will help you determine your needs .
 Prepare: Be ready to make decisions about your coverage options during Medicare Open Enrollment (Oct. 15-Dec. 7). Visit the Coverage Examples page to see how four Medicare beneficiaries chose their plans. Or watch the videos about Medicare Parts A, B, C and D as well as Medicare supplement insurance.
 Go Straight to the Source:    Anthony Perry at Fearnow Insurance
                                    Call: 813-865-4202 or email: