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Obamacare in Wisconsin update

 Many seeking health insurance in Wisconsin under the new ACA or Obamacare, have seen the logo to the right and have been met with disappointment and frustration.  It was a very poor start up to say the least and left people mad and uneasy about the future of their health insurance in Wisconsin.  We had clients that needed to be moved from HIRSP to the new plans and many other customers who needed the guaranteed issue that Obamacare promised Wisconsin.  The sign-ups have improved, but what is missing is the knowledge that your plan has been entered and that you and your subsidy have been accepted.  Through all the problems we are pushing forward, it is the law of the land and we are left with few to no choices, but to make it work.  As this progresses lets drop all the useless fighting and move on to fixing the problems of Obamacare.  Some ideas that I have heard being mentioned in the insurance agent circles, are to scrap what we have and start over.  Not a bad move but very time consuming and costly.  (the deadline for 01 Jan is only a month away)  Another idea and my personal favorite is to strip out some benefits and for a basic plan.  With this basic plan you could add riders such as maternity coverage, or child dental and vision.   This idea is not new and is used widely in Life Insurance and in the Medicare Supplement area.  With this type of plan, a person could build a quality health insurance plan that fits their needs and not have to pay for coverage they will never use.
Lets look at one example, Jane and her husband are 60 years old, the children have families of their own and it is a fact that they will not be trying for one last baby.  Why should the carry maternity coverage?   Their needs of higher prescription coverage and no child coverage are vastly different then Dick and his 30 year old wife.  One size does not fit all when it comes to health insurance and the government needs to wake up and see this.  For the near future Obamacare in Wisconsin is here to stay, so we will forge ahead and do what LJM Insurance has always done, find the right plan at the right price for you.


 It is half way through OPEN ENROLLMENT and time to review your part C (medicare health plan) or your part D (prescription drug plan).  You can change from Original Medicare to a Medicare Advantage Plan, change back to Original Medicare or switch to different Advantage and Prescription drug plans.  There are plan changes every year, both good and bad, so it is well worth the time to look into your plan and see if it still meets your needs.  With several Medicare Advantage Plan and Part D providers as our partners we can help!  Just contact us and we will review the plans with you, point out the positives and negatives of each plan and help you make an informed decision.




 Now; I am worried about the future of our beloved Green Bay Packers, and how this season will end.  We have been spoiled with the almost super human qualities of our quarterbacks for many years, and now a dose of reality hits.  With Aaron down for a few weeks we have NO suitable replacement, and will have to take a wait and see approach with Seneca Wallace.  With the stability at quarterback for so many years, I think this has been almost overlooked by Ted and the coaching staff.  My belief is that while you have a superstar, you need to start cultivating new young quarterbacks for the future.  This was done several times in the Mike Holmgren, Ron Wolfe era, and many of those, when the time came, moved on to starting positions on other teams, Ty Detmer, Mark Brunell, and Matt hasselbeck to name a few.  The old system was always looking forward and Ted Thompson needs to evaluate his position for the backup or it is going to bite us hard.

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