IHC Specialty Benefits

What is the maximum out-of-pocket for the ACA 2023?

"For 2023, your out-of-pocket maximum can be no more than $9,100 for an individual plan and $18,200 for a family plan before marketplace subsidies. These numbers have been revised up for 2023, they were slightly lower, $8,700 and $17,400 respectively in 2022."

Whether you have $9,100 in savings or not, ask yourselves the following questions:

- How long did I save for my $9,100?
- Do I have to spend my $9,100 to pay for medical bills?
- Isn't that the cost of an awesome family vacation?
- Acapulco, Maui, Jamaica?
- Do I need to call Fernando ASAP?

Ancillary products are the answer. Accident and/or Hospital plans that could be less than $55 bucks. Protect your savings with a strategy, not with your fingers crossed!

832-266-9060.

Uninsured people:

In 2020, 31.6 million (9.7%) people of all ages were uninsured at the time of the interview. This includes 31.2 million (11.5%) people under age 65. Among children, 3.7 million (5.0%) were uninsured, and among working- age adults, 27.5 million (13.9%) were uninsured.
https://www.cdc.gov/nchs/data/nhsr/nhsr169.pdf

57% of Americans have less than $1000 in their savings account.

Use this link to determine how much accident insurance you can afford.

https://quote.ihcmarketplace.com/Agent/0900746/GetQuote?product=GapHealthInsurance

Don't get caught footing the bill because you didn't have health insurance.

Find yourself an accident plan that can keep your bank account from drying up.

Luck favors the prepared!

Loading...

57% of Americans have less than $1000 in their savings account.

Use this link to determine how much you can afford.

https://quote.ihcmarketplace.com/Agent/0900746/GetQuote?product=GapHealthInsurance

Don't get caught footing the bill because you didn't have health insurance.

Find yourself an accident plan that can keep your bank account from drying up.

Luck favors the prepared!

Open enrollment is coming. There will be tons of agents looking to "close" the sale. Find someone you know and trust to point you in the right direction. Let's keep things simple.

Have a great weekend! Go Texans!

Today is the best day ever. I have a wonderful family and all the important things are in place. If you feel the same way, great! If you have doubts, talk to someone that can help change it. God Bless.

Company benefits that don't perform well is one of the biggest reasons employees are unhappy and leave. How can your business grow if you can't keep your employees? Let's figure it out together!




832.266.9060

Starting a max cash whole life policy is a great way to pay for your daughter's future wedding. Make your money work for you! You'll be amazed how a small monthly investment can grow into a massive return. Life insurance can be used for all types of goals.



www.gardeniains.com

It’s real simple, Supplemental and Life Insurance really boils down to buying dollars for pennies. Whether you encounter an accident or something life changing, not having the money is really going to impact the healing process in a negative way for you and your loved ones.
It’s embarrassing to ask your friends or family for a loan, and you don’t want to max out your credit card; that is to say you have enough of a limit to begin with. So let me ask you, do you choose a positive outlook and a quick recovery or a very stressful and uncertain outlook with a slow recovery? Whether you think something is going to happen or not is irrelevant. We can’t change the outside, we can only change ourselves. If you think it’s expensive now, wait till you get the bill for regret!

If you want to know how to be prepared. 832-266-9060

Send a message to learn more

Stay well everyone. Have a great day!

There are 100 million people out there that wish they did things differently and most had health insurance. Has this happened to you?

I help keep individuals, family's and businesses from falling into financial ruin.

So what does that look like and what can I do to avoid the pitfalls?

It makes all the difference in the world when you don't have to put medical bills on a high interest credit card.

It makes all the difference in the world when you don't have to dip into your hard earned savings to pay for expensive medical bills.

It makes all the difference in the world when you get out in front of the problem and you are prepared for anything that may come your way.

Because you don't need insurance now doesn't mean you won't need it later. And the second you do need insurance, 9 times out of 10. It's too late!

Pay now or pay later. The decision is entirely up to you!

Fernando Montoya - 832.266.9060

https://khn.org/news/article/diagnosis-debt-investigation-100-million-americans-hidden-medical-debt/

Be Wise! Protect yourself and your financial assets.
Why is it happening? Keep reading...

Nearly 59% of respondents in the medical bankruptcy study cited medical expenses as a major factor in their filing for bankruptcy. At the same time, 44% cited medical problems that had led to work loss, further demonstrating how these problems are intertwined.

There are several programs intended to help people who lose their jobs keep their health insurance. COBRA, a federal law that has been around since 1985, allows many laid-off workers to stay on their ex-employer’s insurance plan for a period of time. The trouble is that COBRA requires the employee to pay both their share and their employer’s former share of the insurance cost, plus an administrative fee, making it unaffordable for many people, especially when they’re out of work. [4], [5]

The Affordable Care Act (ACA) of 2010 was supposed to help, too, by making health insurance more widely available to Americans who previously couldn’t afford it. The evidence on its effectiveness in reducing bankruptcies has so far been mixed. The title of the 2019 paper, “Medical Bankruptcy: Still Common Despite the Affordable Care Act,” pretty well sums up that study’s findings. Specifically, it maintained that while the ACA increased access to health care, its greatest benefit had been to the chronically poor—people with few assets and little likelihood of declaring bankruptcy in the first place. More affluent Americans, by contrast, remained at the mercy of unaffordable medical costs, including ever-rising copayments and deductibles.

“We have a health care system almost perfectly designed to create debt.”

- Dr. Rishi Manchanda

Even the doctors are calling it out. Get with the program or get left behind.

If solutions are important….832.266.9060.

Loading...

Will your medical policy pay YOU $100,000 dollars!?

If you think you’re invincible and are gonna live forever, please skip this post.

It's never been easier to get a Critical Illness Policy.
Get paid when you get sick!
Have funds paid in one lump sum when your health is at its most vulnerable!
Life doesn't have to come crumbling down. Don't miss a step. The FUTURE HAS SECRETS, be prepared.

832.266.9060

Get a quote now.
Click the link below.

https://www.ihcwebservices.com/MarvelServices/api/authorization?agentId=0900746&tabCode=GapHealthInsurance

Scroll down to the last option to view the $100K Critical Illness!

A study published in the American Journal of Public Health in 2019 found that 66.5% of bankruptcies in the U.S. were due to medical issues like being unable to pay high bills or due to time lost from work.

Even with health insurance, high deductibles and copays, plus job loss, impact Americans.

It's easy to avoid. Get a supplemental plan like a Gap or Critical Illness to cover your out of pocket costs and heal in peace!!!

832.266.9060

You can still get a plan through the Affordable Care Act Special Enrollment Program going on right now.

Lack of insurance is one key reason for unpaid medical debt. An estimated 31.2 million U.S. residents under the age of 65 in the U.S. are uninsured. They may not have the option to obtain insurance through the workplace, or may be self-employed and unable to afford steep insurance premiums. Regardless of the reason, a lack of health insurance coverage can quickly translate into an unaffordable financial burden for those who require medical care.

Don't wait, there are affordable options everywhere. Pick up the phone and call somebody. The second you need it, it's already too late!!!

Spread the word! If you are new to the U.S and living in Texas for more than 12 months, health plan options are available to you and your family. Stay informed. 832.266.9060.

Guys, please find yourself an honest agent that you can trust. We all need convenience in our lives and the internet has its place but health insurance needs to be attained through a qualified broker or agent you know and have confidence in. This happens way too often and hurts the good guys who care about your coverage.





https://www.npr.org/sections/health-shots/2022/06/07/1103334082/they-thought-they-bought-obamacare-plans-what-they-got-wasnt-insurance

They thought they bought Obamacare plans. What they got wasn't insurance Some consumers sign up for Obamacare and find out later they actually purchased a membership to a health care sharing ministry. But regulators and online advertising sites don't do much about it.

Why is a cancer policy so important....

When someone is diagnosed with cancer, the last thing they should have to worry about is the cost of treatment. While health insurance can definitely help, the costs of cancer can go well beyond what’s covered, from copays and deductibles, to out-of-network and experimental treatments, home health care needs, and travel. That’s on top of everyday bills such as groceries, utilities, car payments, and more.

I would love to be your broker for life. I support inclusion, diversity, and equality. Happy pride month.

If you answered no to the following questions:

- Do I really know what’s in my health plan?

- Do I have a personal relationship with my agent?

- Can I at least reach my agent by email, phone, or text today?

- Do I have the flexibility to pick and chose my coverage?

Take back control and be the hero of your own story.

Call 832.266.9060 and trust your agent today.

Unemployment sucks any which way you slice it. If you've just been laid off and don't know what to do about your health insurance benefits. Feel free to have that conversation with me if you like.

It might not seem that important now, but your little ones will definitely thank you later!

Now it's easier to call IHC Specialty Benefits.

IHC Specialty Benefits updated their phone number.

If you’re caring for an elderly, ill, or disabled family member, you’re one of about 44 million Americans who care for loved ones with a chronic illness, disability, or frailty. Family caregivers provide an average of 24 hours of care per week. When you’re a caregiver, it can be hard to care for yourself.

If you need someone to talk to, I'm here. You can also follow this link: Acl.gov. If you need a Medicare plan of action to help you, I'm here. But, most of all, know that you are not alone and you are supported.

For support or assistance: 📞 832 256-2049