Jeff Guhl - Healthcare Solutions Team

Jeff Guhl - Healthcare Solutions Team updated their address.

Check out Healthcare Solutions for information

http://jguhl.myhst.com

Healthcare Solutions Team Healthcare Solutions Team

If you or someone is looking for a good Nursing Home in KC, this article might be a good start.

http://www.kansascity.com/living/health-fitness/article202020734.html

Looking for a nursing home? Here’s how to separate the good from the bad Nursing Home Compare website offers information on the quality of nursing homes, but experts say it shouldn’t be the only factor when picking a home.

Men’s Health!

Facts About Men’s Health
On average, men live about five years less than women
1 in 2 men will develop cancer in their lifetime
Men make ½ as many physician visits for prevention as women

Men Are More At Risk For:
Heart Disease
Cancer
Diabetes
Chronic Lower Respiratory Disease
HIV
Cerebrovascular Disease
Injuries
Stroke
Depression

Take Control One Cart At A Time!
Try not to be so focused on calorie counting and more focused on incorporating healthy foods into your lifestyle. Start with one or two of the following foods per week and keep adding to your list until you are consuming all of these foods at least 3 times per week.

Grocery List to Boost Male Health :
- Broccoli and other cruciferous vegetables. Researchers propose that the phytochemicals in broccoli selectively target and kill cancer cells.
- Cooked Tomatoes, such as tomato paste or tomato sauce, contain lycopene that is better absorbed in the body than raw tomatoes. They may decrease cell damage and slow cancer cell production.
- Spinach and other leafy greens that contain folate. Studies show that men who consume folate daily are 30% less likely to develop Peripheral Arterial Disease (PAD).
- Eggs contains B6 and B5 which help balance stress. When eggs or a bagel are an option for breakfast, choose eggs to see weight loss according to a study in the International Journal of Obesity.
- Pistachios contain plant cholesterol that can decrease triglycerides and LDL cholesterol.
- Sunflower seeds have the highest natural content of vitamin E over any other food. Vitamin E is the best antioxidant to fight aging.
- Oysters contain more zinc than any other food and can help maintain healthy testosterone levels.
- Fish (salmon, herring, mackerel, sardines, trout or fish oil supplements) contain omega-3 fatty acids to help fight inflammation, which is the core of most chronic diseases.
- Green tea contains multiple compounds that may slash your risk for prostate cancer (the number one cancer in men). Studies also show drinking three to five cups a day may reduce body fat by 5%.
- Watermelon contains citrulline, which helps relax blood vessels for healthy blood flow.
- Peanuts, as well as other legumes such as beans and lentils, contain phytoestrogens that may suppress tumor growth and contain cancer-fighting properties.

Grilling is a fantastic and enjoyable way to start living a healthier lifestyle! Try these simple and delicious grilling recipes using the items from the list above.

Ask me how to take control of your Health insurance needs!!

Thank you Price Chopper for the great info

Another very good summary of the AHCA is from Kaiser Foundation.
You don't have to purchase Healthcare Insurance from the government. Get your own private insurance.
Contact me for a quote!!

http://files.kff.org/attachment/Proposals-to-Replace-the-Affordable-Care-Act-Summary-of-the-American-Health-Care-Act

files.kff.org

With the failure of the American Health Care Act-the House Republicans' first attempt at repealing and replacing Obamacare-there will be more pressure on federal regulators like HHS Secretary Tom Price to "do something" to increase competition, expand plan options, and keep prices under control.

The Affordable Care Act delegated much of the responsibility for implementing the health reform legislation to government agencies like Health and Human Services, the Department of Labor, and the IRS. For the first three or four years after the ACA was signed into law, we eagerly awaited proposed and final rules on everything from the individual mandate and premium tax credits to market reforms and the employer shared responsibility requirement. Once we knew the rules, we could properly advise our clients and recommend solutions to help them comply with and, in some cases, get around the regulations.

The good news for the Trump administration, which has had difficulty unifying the party on this complicated and controversial topic, is that regulatory changes do not require an act of Congress. Instead, the authority to make these changes is authorized when Congress passes sweeping legislation like the ACA. That means that Secretary Price can re-write many of the rules written by his predecessors Kathleen Sebelius and Silvia Mathews Burwell without getting approval in the House and the Senate.

He actually started this process a few weeks ago. On February 15, the Department of Health and Human Services released the proposed Market Stabilization Rules with the hopes of stopping the bleeding in the individual market, and after a short comment period, issued the final rules April 13. Over the past two years, prices have increased significantly and many carriers have made the decision to stop selling coverage through the Marketplace; these rules are aimed at reversing this trend.

Here's a summary of the new rules:
The purpose of the market stabilization rules, as explained by Timothy Jost with Health Affairs Blog, was "to shore up the individual health insurance markets pending a possible repeal," and they also represented "the first step taken by HHS to fulfil President Trump's agenda announced by executive order on Inauguration Day to unwind ACA regulatory requirements." The following items are addressed in the new rules.

1) 2018 Enrollment Period
The 2017 open enrollment period lasted three months, beginning November 1, 2016 and ending January 31, 2017. The new rule shortens the open enrollment period to just 45 days, beginning November 1, 2017 and ending December 15, 2017. The reason for this change is that insurers report that those who enroll late in the open enrollment period tend to have significantly more claims than those who enroll early. The shorter timeframe is intended to reduce adverse selection.

2) Special Enrollment Periods
There are several new rules relating to special enrollment periods (SEPs). The most notable is one that will require 100% of individuals who sign up during an SEP to provide documentation proving that they are eligible before their coverage takes effect. As Timothy Jost with Health Affairs Blog explains, "this is necessary both to encourage consumers to maintain continuous coverage and to discourage adverse selection and inappropriate use of SEPs."

3) Actuarial Values
The Affordable Care Act creates actuarial value (AV) corridors that correspond with the "metallic tiers" in the Marketplace. A bronze plan has an actuarial value of 60%, a silver plan has an AV or 70%, gold plans have an AV of 80%, and the AV of platinum plans is 90%. Plans are allowed a de minimus variation of +/- 2%. What this means is that a silver plan can have an actuarial value that ranges from 68 to 72%.

One of the criticisms of the actuarial value requirement is that these narrow AV ranges limit a carrier's flexibility in designing plans that consumers actually want to buy. The new rule increases the AV ranges to -4 to +2% for platinum, gold, and silver plans and -4% to +5% for bronze-level plans. Therefore, unless otherwise subject to state law, these are the new ranges:

Bronze 56% to 65%
Silver 66% to 72%
Gold 76% to 82%
Platinum 86% to 92%
4) 90 Day Grace Period
Under the ACA, people who purchase coverage through the Marketplace and who receive an advance premium tax credit have a 90-day grace period to pay their premiums before their coverage is cancelled. If an individual falls behind on his premium payments, insurers will pay claims during the first month and pend claims for the next two months, giving the consumer time to catch up on his payments. If he fails to make the payment during the grace period, his coverage is cancelled back to the end of the first month. Providers argue that this allows people to game the system and results in uncompensated care.

Insurers have a similar concern. Some people stop paying their premium near the end of the year. If something happens during that time, they'll catch up on the payments, but if they don't have any claims they'll let their coverage terminate, only to re-enroll in coverage the following year.

Under the new rule, if an individual whose coverage is cancelled for nonpayment later re-enrolls with the same carrier (or with a carrier that's part of the same controlled group), even if the individual chooses a different plan, the insurer can apply premiums to previously owed amounts and refuse to effectuate coverage until outstanding premiums are paid.

5) Provider Networks
Finally, we've all seen a shrinking of provider networks under the Affordable Care Act, and this is especially true in the individual market. HHS has worked to ensure that a sufficient number of providers are available before certifying plans to be sold through the Marketplace, but under the proposed rules, state regulators will take over the task of ensuring reasonable access to providers if they're able to do so. Additionally, the current requirement that Qualified Health Plans include at least 30 percent of Essential Community Providers (ECPs) in their provider networks would change: in an effort to "lessen the regulatory burden on issuers while preserving adequate access to care provided by ECPs," plans would be required to include only 20 percent of ECPs.

The Rulemaking Process
As with all of these regulations, the government agency issues proposed rules and opens up a comment period, during which time anyone who has an opinion on the new regulations is welcomed to share his or her thoughts. At the end of the comment period, the agency will review and consider the comments that are submitted and may make some changes as a result of the suggestions before issuing final rules. This isn't an easy job. The proposed market stabilization rules, for example, attracted four thousand comments during the 20 day comment period according to Health Affairs Blog.

It's also worth pointing out that the administration really does listen to the comments. The National Association of Health Underwriters, for example, commented on most of the proposed rules during the Obama administration and is doing the same thing under the Trump administration, and the organization has had some success in getting its ideas implemented. In fact, NAHU staff recently visited with Dr. Price about some of the ACA regulations they believe could use some adjustments, and they'll continue to share their thoughts going forward. At HST, we're big fans of NAHU and other organizations that are working to improve the laws for insurance professionals and the clients they serve. If you're not yet a member, you should consider joining.
One Final Thought
If you weren't too impressed with the market stabilization rules, don't despair-they're just a start. HHS has also issued the Notice of Benefit and Payment Parameters for 2018, which makes some additional changes in the individual market, and we'll no doubt see more rule changes in the coming weeks and months, just as we'll see new legislation introduced in the House and the Senate. The difference is that proposed legislation may or may not become law. These regulations, on the other hand, are already law, and that's what makes the President so powerful. Yes, we have three branches of government, but the executive branch can also implement rules that the market plays by.

You can read the 139-page final market stabilization rule here.http://files.constantcontact.com/a3c38bbb301/e8605e1f-f87b-474f-ad1c-064ab14e3d07.pdf

files.constantcontact.com

Changes to Obamacare Enrollment Rules Boost Value of Short-Term Health Coverage.

You Don't Have to be on Obamacare!
Ask me about Affordable Health Insurance

http://www.marketwired.com/press-release/changes-to-obamacare-enrollment-rules-boost-value-of-short-term-health-coverage-nasdaq-hiiq-2209919.htm

Changes to Obamacare Enrollment Rules Boost Value of Short-Term Health Coverage MOUNTAIN VIEW, CA--(Marketwired - Apr 17, 2017) - AgileHealthInsurance.com is calling attention to the increased importance of short-term health coverage given newly approved enrollment regulations for the Affordable Care Act (Obamacare) market. Consumers who miss the normal enrollment period will f...

Need Affordable Health Insurance?
Find Your Plan Today.
You have a choice. You don't need the government to purchase health insurance.
You can avoid tax penalties by working with a licensed agent.
Healthcare Solutions Team is valued as a subject matter expert in the industry. I can offer guidance and provide the right coverage for your needs and budget.
Medical, Accident, Critical illness, Dental, Vision
Call me today to find Affordable Healthcare!!

It is always best to have Heath Insurance, but in case you don't...
Contact me if you have any questions or need Health Insurance.
Have a great day !!

http://toddoldfield.com/14-ways-to-avoid-the-obamacare-tax-actually-15-if-you-include-brief-incarceration-forbes/

14 Ways To Avoid The Obamacare Tax (Actually 15 if you include ‘brief incarceration’) – Forbes – The "Medicare NINJA!" | 859.654.0120 There are 14 ways, in all, to avoid paying the Obamacare tax penalty. This fee hits people who don’t carry health insurance that conforms to the government regulations. Based on the latest revision to the Obamacare regulations, people can avail themselves of these different off ramps all the way thr...

Jeff Guhl - Healthcare Solutions Team updated their business hours.

Specializing in Major Medical Term Plans, Fixed Benefit Plans, Accident, Critical Illness, Dental & Vision AND Small group plans.
Contact me for details!!

The Importance of Preventive Care
Remember the old saying that "an ounce of prevention is worth a pound of cure"? This can be especially true when it comes to preventive health care. Maintaining or improving your health is important – and a focus on regular preventive care, along with following the advice of your doctor, can help you stay healthy.

Routine checkups and screenings can help you avoid serious health problems, allowing you and your doctor to work as a team to manage your overall health, and help you reach your personal health and wellness goals.

What is Preventive Care?

Preventive care focuses on maintaining your health, and establishing your baseline health status. This may include immunizations, vaccines, physical evaluations, lab work, x-rays and medically appropriate health screenings. During your preventive visit, your doctor will determine what tests or screenings are appropriate for you based on many factors such as your age, gender, overall health status, personal health history and your current symptoms or chronic health concerns. Preventive care can help you avoid potentially serious health conditions and/or obtain early diagnosis and treatment. Generally, the sooner your doctor can identify and treat a medical condition, the better the outcome.
printed from UnitedHealthcare

What if we had to buy Coffee like we now have to buy Health Insurance?

https://youtu.be/pCb9g8plGF8?list=PLu259_knyDJe-UXICqG5mC7xfr8BSmFIW

Coffeecare Facebook: http://www.facebook.com/realityalwayswins Website: http://www.RealityAlwaysWins.com What if we had to buy coffee like we now have to buy health ins...

Planning a trip to Cabo or Cancun? Maybe a Cruise to the Bahamas?
Most Health Insurance policies don’t cover International Travel. Some don’t even cover you Nationwide!
Contact me to get a quote to keep you and your family protected while Traveling. :)

A World on the Move - printed from IMG

Every day, more than 8 million people around the world take to the skies to travel. The inspiration and enjoyment that travelers gain from exploring the world, working overseas, visiting colleagues, friends and family abroad, and living in new countries drives the continual growth of travel and relocation around the world. In fact, more than 280 million households across the world will be travelling internationally by 2025.

Consumers who travel, work or live internationally without the proper cover leave themselves vulnerable to paying high out-of-pocket expenses if they fall ill or are involved in an accident while they’re away from home. Costs for different medical treatments can be steep and vary drastically by country.

Overview: International Medical Insurance
Client Misconceptions
“My credit card includes travel insurance, so I don’t need another policy.” Many credit cards do not offer protection or reimbursement if your clients are injured or sick while on their trip, and most will only provide cover if the entire trip was booked with the card.
“I’m covered by my European Health Insurance Card.” The EHIC offers only limited cover and your clients may still have medical bills for care they receive outside of their country of residence. Additionally, for UK citizens, there is no guarantee the EHIC will remain in use following the UK’s exit from the European Union.
“I will be a resident, so I am entitled to use my new country’s health care services.” The standard of public health care can vary considerably from country to country. International medical insurance is advisable to ensure access to high-quality care.

International medical coverage includes three types of insurance products: travel insurance, travel medical and international private medical insurance (IPMI). Each provides a range of benefits uniquely suited for your clients’ needs and budget.

Travel Insurance - Travel Insurance protects your clients’ travel investment from the unexpected, and also provides some medical benefits, including cover for accident and sickness, medical expenses and emergency medical evacuations. Premiums vary depending on your clients’ age and the cost of the trip they want to insure. While important, travel insurance is often overlooked by holidaymakers. In the UK alone, one in five — roughly six million people a year — do not have travel insurance when they go on holiday.

Travel Medical Insurance - Travel medical insurance plans are specially designed to protect your clients in the event of an illness or injury when they’re travelling outside of their country of residence. This type of cover includes a wide range of medical benefits, providing protection and support should a health problem arise.

International Private Medical Insurance - (IPMI) IPMI provides long-term cover to people living or working outside of their home country, typically for one year or longer. IPMI plans are ideal for expatriates and their families, individuals with dual residences, multinational employers and more. Since IPMI is designed to provide long-term, worldwide medical cover, it allows your clients to receive and continue treatment wherever they choose.

Our greatest challenge is being there for customers before they need us – in the market, providing expertise and offering the right products and services at the right price, at the right time.

Great news for those that are not on Obamacare and may be subject to the Shared Responsibility Payment, er Fine, for 2016 !! Ask me how to get Health Insurance that works for you using your Doctor and is affordable.

http://www.kansascity.com/news/business/article133910514.html

IRS cites Trump’s order and accepts tax returns skipping Obamacare mandate The IRS says it no longer rejects tax returns that skip the line declaring the tax filer had met the individual mandate provisions of the Affordable Care Act, widely known as Obamacare. The Internal Revenue Service said President Donald Trump’s executive order on the act led it to stop its plans to…

Jeff Guhl - Healthcare Solutions Team updated their information in their About section.

For those that may be subject to the Shared Responsibility penalty, relief may be coming for tax year 2017. For more on hardship exemptions for your 2016 tax return, including how to apply for an exemption, check out the healthcare.gov web site.

http://www.forbes.com/sites/kellyphillipserb/2017/02/16/irs-softens-on-obamacare-reporting-requirements-after-trump-executive-order/

IRS Softens On Obamacare Reporting Requirements After Trump Executive Order Last month, President Trump signed an executive order rolling back certain aspects of the Affordable Care Act (ACA). Now, the IRS appears to be easing off of enforcing the individual mandate.

New Year, New Career!! Getting laid off made me look at my own health insurance – none! A friend has been doing this for 26 years and his success convinced me that this fits my personality and goals to a tee.
I’m accredited and licensed and have received comprehensive certification in Healthcare Reform as well as all forms of state health care insurance-from individual health insurance coverage to group health insurance plans.
Healthcare Solutions Team is a nationwide group of top insurance advisors made up of passionate and dedicated health care advocates. I am proud to be an agent representing America’s #1 health care insurance agency helping make affordable health care accessible to everyone.
I believe that a personalized approach to medical health care insurance is key, and I strive to offer every client the individual care and attention they deserve.
Message me for information on Health, Accident, Dental, Vision Insurance, and Prescriptions. I’ll be glad to help.