KACZMAREK INSURANCE SERVICES AGENCY, INC..

News

The Latest news for our customers

Find out what is happening with Health Care related isssues which effect you.

Buyer Beware ? Know the Facts

Posted On: 8/7/2017

A Christian Health Ministry Plan may not be the best deal

Medicare Reform Part of Short Term Funding Bill

Posted On: 2/7/2018

Known to almost no one since it has bipartisan support and no controversary the new Short Term Funding Bill will have a permanent Medicare reform called the Chronic Care Act.  Interesting that the press has not bothered to extol the virtues of this reform or, for that matter, even mention it.  Since it does not cause division between the liberals and conservatives, it must not be newsworthy.  You decide. 

This article is taken from the daily Congressional information publication "The Hill"

Trump to Propose Medicare changes

Posted On: 2/9/2018

This Associated Press Article lists some of the changes the Administration is proposing to Medicare.  All good, all money saving to both seniors and the Government.

Federal Reinsurance Bill

Posted On: 2/9/2018

Finally there may be some movement towards a federal reinsurance bill.  Giving the states leeway in establishing these pools to best treat their insurers and consumers is wise.  I still question any cost estimates and especially funding, but reinsurance is needed to help ren in cost.

Complete Information On Section 1332 Waivers

Posted On: 2/10/2018

Although under Section 1332 of the Affodable Care Act states are allowed to file for waivers allowing them to make significant changes in how their health insurance is delivered and administered, it is not believed that Ohio will file for any changes.  Many states have filed to include "workfare" in their Medicaid program making able bodied adults either work (minimum 20 hours), be in school, take vocational training, and even take English language lessons to avoid the mandate.  Other states have asked to be able to invoke time limits on how long an able bodied person can remain on Medicaid.  I back these measures to help relieve the burden of cost on our states where Medicaid often takes up 30% of their yearly budget.  I do want to emphasize that the provisions are mandated to able bodied only, and not the infirm, single mothers, the disable, mentally ill, or homeless,

Taking COBRA Continuation After age 65

Posted On: 3/12/2018

A Catch 22 occurs when those who stay in a group plan after they turn age 65.

No More Social Security Numbers on Medicare Cards

Posted On: 3/12/2018

CMS is taking a major step to protect the public from identity theft.

Changes to Medicare

Posted On: 3/12/2018

CMS is proposing consumer freindly changes to Medicare

Hospital Observation Status

Posted On: 3/12/2018

Medicare does not pay for people charges incurred for hospital observation.  Make sure if you are going to spend time in the hospital that you are admitted, no on observation status.

Medicare Part B and Part D

Posted On: 3/12/2018

Most people turning 65 do not realize that Medicare Part B (outpatient services) has a premium share that is means tested.  If you are entering medicare and drawing a substantial taxable wage you will be asked to contribute more of the cost.  Even fewer people know that there is a means tested surcharge for Medicare Part D Prescription Plans.  Contrary to what many think, higher income earners do pay more.  Some higher wage earners may say that they will forego Part D coverage since they are on no medications.  Be warned!  This is a bad option since the government assigns a permanent penalty for every month a person is not enrolled in a Medicare Part D plan after they become eliglble.  The only way this penalty is avoided is by never enrolling in a Part D Plan, but this can prove to be costly if you become ill.