Will Rogers Insurance

Well, as an insurance agent I know we need reform and it would be nice to have a lot, many in the industry agree, but a year later here are some of the highlights of what has happened from cause and effect. Medicare beneficiaries who hit the prescription drug coverage gap known as the “doughnut [......

What is the Medicare Advantage Disenrollment Period that ends on February 14, 2011, you ask?! Answer: if you have a Medicare Advantage Plan that isn’t working for you, you can use this period to switch back to Original Medicare. How do you disenroll? Answer: two ways to switch from your Medicare Adv...

IRS 2011 changes to the employer contribution requirements (uniform percentage issue). According to the IRS current ‘final’ guidance, they were concerned with different percentage contributions between employees. Therefore, as long as the employee contribution percentage is consistent be...

Is it just me that it seems like more people die during the ‘holidays’ Thanksgiving and Christmas?  I know I have had several relatives die before and after Thanksgiving as well as right around Christmas they ranged from old age to freaky accident and cancer. Unfortunately I think we are...

The purpose of the grandfather regulation is to help people keep existing health plans that are working for them. Under the old rule this was maybe intended, but not being allowed if you changed insurance company’s for the same plan. This amendment furthers that goal by allowing employers to o...

The intent of the Patient Protection and Affordable Care Act (PPACA) was to get more people covered and drive down health care costs.  According to Texas officials and an article in the NY Times the PPACA may already be doing just the opposite in addition to the increased costs and reduced benefits ...

Just had one of my insureds trying to decide whether to have mold coverage or not, so I think that ‘mold’ and the coverage of such may require a little further explanation. On most policies mold coverage can be added, but it is usually excluded to begin with. Mold includes wet rot, rust,...

Well the much antiscipated day of Obama care and coverage for everyone…or so most people seem to think, came and went today.  Just in case you missed the festive event, here is what you got mandated effective for plans that go into effect after today, other wise it is see you in 2011 or maybe ...

Another reminder of how well intended legislation is not the best answer if done in haste.  If you have a HSA’s (Health Savings Accounts), FSA’s (Flexible Spending Accounts) or a HRA’s (Health Reimbursement Arrangements), you have been figurative shot in the foot under the new heal...

Well there have been a lot of changes or at least a lot of talk about changes in health insurance and coverage this year. With the passage of the health care reform signed by President Obama, March 23, 2010 you get extra choices, some good, some bad and some unknown. As you consider your renewal [.....