Archive for the ‘DeWolf-Tarin & Associates Insurance Agency’ Category

Do you understand Health Benefit Plans and Special Enrollment Periods?

July 10th, 2014 by Marie DeWolf

A recent DORA- Department of Regulatory Agencies Bulletin No B-4.76  states the following in regard to: SHORT TERM, LIMITED DURATION HEALTH BENEFIT PLANS AND SPECIAL EN ROLLMENT PERIODS

  • These listed policies do not qualify as the minimum essential coverage required under the Affordable Care Act (ACA).
  • Consumers must have a health benefit plan that qualifies as minimum essential coverage in order to avoid the federal tax penalty for not possessing such coverage.
  • Please be informed that the loss or termination of a short-term health plan (STM) does not trigger a special enrollment period that would allow a consumer to purchase an ACA-compliant health benefit plan outside of an open enrollment period.
  • Prior to issuance, carriers should inform consumers that the purchase of a short-term health plan may not provide protection from the federal tax penalty. There should be a paragraph in BOLD TYPE referencing this coverage.

Please contact DeWolf-Tarin & Associates and let us help you navigate the do's and don't's of the Affordable Care Act (ACA).

Open Enrollment for the Affordable Care Ace is almost here!

March 21st, 2014 by Marie DeWolf

Here we are, close to the closing of the "Open Enrollment" period for the ACA (Affordable Care Act) and we receive more information from the Administration ...

I will preface this information with:

This too can change at any time

As you may know, the Open Enrollment period is ending on March 31 deadline for change for a May 1, 2014 effective date. You realize that after this date, you

must have a qualifying event to enroll in an insurance plan

So what is a qualifying event?

A significant life chance, such as:

  • Lose your job
  • Change job and lose your insurance
  • You get married
  • You have a baby

So NOW is a really good time to make the jump or dive in and buy health insurance. If you do that, you will be in line with the law and the mandate, which states,

"Everyone must have insurance or pay a penalty."

Call us or your broker and get insured!

970-227-7926
DeWolf-Tarin.com

What does the two-year extension on individual health insurance mean?

March 14th, 2014 by Marie DeWolf

NEWSFLASH

March 6, 2014
After days of speculation, the Obama Administration on Wednesday announced a two-year extension for individual health insurance policies that do not meet the standards of the Affordable Care Act.

SO ...

What that means to all of you who did "early renew" your plans with Anthem - is that we will NOT have to make a change in 2014 to be compliant with the  10 Essential Benefits.

IF ...

you want to see what an ACA compliant plan looks like and know the cost, please let me know and we will provide you with that information.

Stand by ...

to see if Insurance Carriers agree to this new twist. 

Call 970-622-9982
Visit DeWolfTarin.com.

The Exchange – can I still apply for health insurance?

January 9th, 2014 by Marie DeWolf

January 1, 2014 is already past!
Here it is,  January 8, 2014 ... already.

Are you wondering, "Can I still apply for Health Insurance, get subsidies and avoid the Penalty for not having coverage?"

The answer is "YES!"

Yes, you can – you can still go on Connect for Health Colorado website and do the following:

  • Create your account
  • Go to "Get assistance" tab
    • Search "80538 – Marie DeWolf"
    • Attach me to your account
  • Begin the PEAK application
  • Finish the PEAK application and press "SUBMIT"
  • Now you are in the WAITING MODE – waiting for your denial into the Medicaid program
  • You will receive your denial number 1B ... or a 5B ...
  • Once you receive that number, you can:
    • CALL ME with your username and password (do not send via email for your own security)
      OR
    • EDIT your Eligibility with this number.
  • You can NOW shop for plans and know exactly what it will cost you.

This needs to be done and finished by January 15, 2014 to insure that you are covered by February 1, 2014.

If this is NOT done then – keep the faith! You can submit by February 15, 2014 to be covered with insurance by March 1, 2014.
Good Luck!

Call me if you have any questions.
Happy New Year !!!

Marie DeWolf
970-622-9982

Wondering how you buy your health insurance?

October 15th, 2013 by Marie DeWolf

$ $ $

Are you asking yourself, "So how do I buy my insurance?"

Well, you will only be able to buy your health insurance during the open enrollment period. For this year it is from 10/1/2012 to 3/31/13.

Next year, open enrollment will be limited to October thru December, 2014 only.

Now – go on your computer to www.ConnectForHealthCO.com and create your account. Once you Create your account you will need the following:

  • Name
  • Date of Birth
  • Zip Code
  • Anticipated income

What – no medical questions? That’s right no medical questions – you are covered!

And ...

  • If you make below - $46,000 as an individual
  • If you make below - $62,000 as a couple
  • If you make below - $94,000 as a family of four

You can qualify for an Advanced Tax Credit or subsidy to help your premium or you can get cost sharing help to reduce your deductible or copays.

Call us – it costs you NOTHING! We can help answer your questions and help you navigate this new process successfully: 970-622-9982

It affects ALL of us!

October 8th, 2013 by Marie DeWolf

Do you understand that Health Care Reform affects each one of us?

Yes ... the law was passed in 2010, and
Yes….the law takes place January 1, 2014.

The Individual Mandate:

  • No more pre-existing conditions exclusions – Everyone gets insurance
  • Everyone is required to buy health insurance. That’s right just like car insurance

Wow! So now you have three choices:

  1. Buy health insurance on your own
  2. Enroll thru your employer if you are eligible
  3. Pay your penalty at the end of the year when you submit your taxes

Stay posted for more information or call us at 970-622-9982

The Exchange or the Marketplace is up and running!

October 5th, 2013 by Marie DeWolf

After much waiting and speculating, the Exchange or the Marketplace is up and running since 10/1/14.

There are many, many plans available and you can do an estimator for your proposed subsidy.
While searching for your plan, please remember the following:

  • You will create an account
    • To create an account you will need:
      • * Family members
      • * Date of Births
      • * Zip code
      • * County
      • * Tobacco user – rated 15% for tobacco
      • * Doctor of choice
      • * Hospital of choice
      • * Family income

Please keep in mind that the Network of providers have changed and that your Doctor or Hospital may not be in the network you choose. This can be very confusing! Our Agency is here to help you navigate all of these criteria abd help you find the best plan for 1/1/14.

You can give us a call or complete this questionnaire for us to provide plans for you.

Our services are at no cost to you – Call us we can help !!! 970-622-9982.

Healthcare Reform - We can help!

October 4th, 2013 by Marie DeWolf

Health Care Reform is on its way for 2014.

We are here to help you navigate through the new laws and exchanges.
If you would like to receive ongoing information as it happens, please let us know.

Contact us via email (click here) or phone (970-622-9982).

We at DeWolf-Tarin & Associates Insurance Agency are here to help you.

Health Care Reform – OBAMA Care

September 26th, 2013 by Marie DeWolf

The law was passed in 2010 and now it will become law on January 1, 2014 - As of January 1, 2014 there is an INDIVIDUAL MANDATE – which means that everyone has to enroll in a health insurance plan.

The new law, will allow individuals to go to the Health Care Marketplace. The Marketplace is designed to help you find health insurance that meets your needs and fits your budget. The Marketplace offers “one-stop shopping” to find and compare private health insurance options. You may also be eligible for a new kind of tax credit that lowers your monthly premium right away. Open enrollment for health insurance coverage through the Marketplace begins in October 2013 for coverage starting as early as January 1, 2014.

You may qualify to save money and lower your monthly premium, but only if your employer does not offer coverage, or offers coverage that doesn’t meet certain standards. The savings on your premium that you’re eligible for depends on your household income.

Local Independent DeWolf-Tarin & Assoc., LLC Selected To Offer The Hartford’s AARP Homeowners Insurance Program

September 26th, 2013 by Marie DeWolf

Previously published March 19, 2012 | By Jorge Tarin

Colorado —The Hartford today announced today that it is making its award-winning AARP®-branded homeowners insurance program available through DeWolf-Tarin & Assoc., LLC.
According to research from The Hartford, 60 percent of consumers prefer to buy their auto and home insurance as a bundled policy. Based on this research and strong customer demand, The Hartford is now offering the AARP-branded home insurance program through select, authorized independent agents, allowing consumers to purchase both AARP-branded home and auto insurance from a local independent agency.

“For more than 25 years, the industry-leading AARP-branded homeowners insurance program from The Hartford has been extremely popular,” said Jim Flynn, vice president, The Hartford. “Much of the success of this program is due to innovative product features and a commitment to truly understand and support our customers. We are thrilled to now be able to offer both home and auto insurance as a bundled package with our independent agent partners.”

DeWolf-Tarin & Assoc., LLC was chosen after satisfying a number of eligibility requirements, which included: demonstrating a commitment to community service; meeting a high-level of business and ethical standards; and completing a training program designed to address the needs of the 50+ population. These products were previously only available from The Hartford by phone, the Internet and by mail.

The AARP-branded home insurance program is designed in consultation with The Hartford Advance 50 Team, which helps to tailor products and services specifically to the interests and needs of Boomers and older adults. Other unique hallmarks of the program include:

  • Lifetime Renewability – assures that the customer’s insurance policy will not be dropped as long as a few simple requirements are met.
  • Standard 12-month rate protection versus the traditional six month policies offered by most companies.

In addition, the program features unique optional coverage such as:

  • Green Rebuilding Coverage - Offers additional coverage for using environmentally-friendly materials orprocesses to make repairs after a covered loss or making necessary replacements with more energy efficient or environmentally-friendly property.
  • The Hartford ID Restore Service - provides identity theft counseling and assistance, both preventive and post loss recovery.

About DeWolf-Tarin & Assoc., LLC
Full Service Agency

About The Hartford
The Hartford Financial Services Group Inc. (NYSE: HIG) is a leading provider of insurance and wealth management services for millions of consumers and businesses worldwide. The Hartford is consistently recognized for its superior service and as one of the world's most ethical companies. More information on the company and its financial performance is available at www.thehartford.com.

ABOUT AARP SERVICES, INC.
AARP Services, Inc., founded in 1999, is a wholly-owned taxable subsidiary of AARP. AARP Services manages the provider relationships for and performs quality control oversight of the wide range of products and services that carry the AARP name and are made available by independent providers as benefits to AARP’s millions of members. The provider offers currently span health products, financial products, travel and leisure products, and life event services. Specific products include Medicare supplemental insurance; credit cards, auto and home, mobile home and motorcycle insurance, life insurance and annuities; member discounts on rental cars, cruises, vacation packages and lodging; special offers on technology and gifts; pharmacy services; legal services; and long-term care insurance. AARP Services also engages in new product development activities for AARP and provides certain consulting services to outside companies.

About AARP
AARP is a nonprofit, nonpartisan organization with a membership that helps people 50+ have independence, choice and control in ways that are beneficial and affordable to them and society as a whole. AARP does not endorse candidates for public office or make contributions to either political campaigns or candidates. We produce AARP The Magazine, the definitive voice for 50+ Americans and the world's largest-circulation magazine with over 35.1 million readers; AARP Bulletin, the go-to news source for AARP's millions of members and Americans 50+; AARP VIVA, the only bilingual U.S. publication dedicated exclusively to the 50+ Hispanic community; and our website, AARP.org. AARP Foundation is an affiliated charity that provides security, protection, and empowerment to older persons in need with support from thousands of volunteers, donors, and sponsors. We have staffed offices in all 50 states, the District of Columbia, Puerto Rico, and the U.S. Virgin Islands.