What’s for “Leech Insurance” after open enrollment? An update for you

Probably many, many, many health insurance agents/brokers are asking the very same question.  Essentially as of the end of open enrollment, other than for the occasional person coming up on a Special Enrollment Period, we have been put out of business until the next one.

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It would be nice to think we had jobs / businesses /careers that we could earn a nice living in only working 3-4 months a year, but I just don’t know of any individual agents that earned that kind of money during Open Enrollment.

Of course there’s always “ancillary” programs to offer such as Dental, critical illness, etc. and these are good… but the time barely covers expenses.

So with some strong market research and seeing what our training has provided us with for helping people, a vast parallel market literally jumped out at us.  This is in the area of personal retirement planning. It’s not that there’s that many people who have No retirement plan, but a ton who have a poor one that really is not going to let them be financially independent by the ago of 65.

We’ll start with you, anywhere in the nation, to discuss your circumstance and situation. There’s no charge for this service.  If you have a great plan, we’ll confirm this for you. If you don’t, we’ll be happy to provide a plan and proposal based on your individual circumstances. We’ll make it affordable and we’ll include your benefits  so you have an income tax free retirement plan, but if you qualify, also along the way we’ll make sure you have some living benefits so that if you get side tracked by a critical illness you have money to keep your plan up and live. We’ll give you the flexibility  so that if you have kids in, or approaching college, you’ll have a leg up in getting financial aid.

Anyway, this is the direction that Leech Insurance, now “Leech Insurance and Financial Services” is going, and if you’d like a little more specific information, CLICK HERE to visit our new web site, http://affordablepersonalretirementplan.com/

See you there!

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What do you do if you missed open enrollment (in Obamacare rules)

If you missed the open enrollment and you were eligible to enroll, and had not made any attempt and were not essentially int he category, “could not get through”, essentially you have had it! Sorry to be so blunt, but you get to pay the non enrollment fees until you do enroll which can and will come up in the 2014 fall open enrollment period..

BUT…. there’s some ways around this–specifically qualifying for one of the Special Enrollment Periods.  See http://healthcare.gov for the official explanation.. but unofficially some are change of marital status (you got married or divorced), loss of illegibility for a group plan, major financial circumstance.

In the meantime… you don’t want to be “out there” literally bare naked from any help with medical expenses, and we understand that.

For you there are at least two options, both in the form of GOOD, but non qualifying plans which mean you can enroll.  They are not governed.  That’s good news and bad news. The bad news is that they have  limits or caps on benefits and they often are underwritten which means any pre existing conditions get consider. The two general plan types are defined benefit plans and short term plans. The defined benefit are most likely to be indemnity type plans where the short term are more conventional with a deductible, co pay. etc.

Don’t worry about trying to figure this all out now as I’ll be happy to explain your choices and provide quotes (this is a blog of an agency web site so I’m allowed to sound like “a plug”. If you want my help, send an email or call, 321 821 5394.  One of these can probably hold you until Open Enrollment.