Important Dates for 2016 ACA Marketplace Enrollment - AVOID THE PENALTY!!!

It's that time again - ACA  MARKETPLACE  ENROLLMENT - Keep the dates below handy to avoid the penalties associated with missing them. Call Rosenbauer today and get your enrollment handled alongside people who can help.

Important dates for 2016 enrollment:

• November 1, 2015: Open Enrollment started.

• December 15, 2015: Last day to enroll in or change plans for new coverage to start January 1, 2016

• January 1, 2016: 2016 coverage starts for those who enroll or change plans by December 15.

• January 15, 2016: Last day to enroll in or change plans for new coverage to start February 1, 2016

• January 31, 2016: 2016 Open Enrollment ends. Enrollments or changes between January 16 and January 31 take effect March 1, 2016.

If you don’t enroll in a 2016 health insurance plan by January 31, 2016, you can’t enroll in a health insurance plan for 2016 unless you qualify for a Special Enrollment Period.

Call Rosenbauer Insurance Agency TODAY!!!!

TOLL FREE: 800-458-0933

Local: 417-257-7733

www.rosenbaueragency.com

Are Your Plan F Medicare Supplement Rates Going Up? Call Rosenbauer Insurance Agency!

We understand your Plan F rates are going up.

There are options and we want to help!

Rosenbauer Insurance Agency has over 40 years combined experience helping people solve their health insurance problems. As your local, experienced Medicare Specialists we offer many different companies with competitive rates.

We are offering you a FREE overview of your current policy. Give us a call today and let's work together to cut some of those costs!!

TOLL FREE: 800-458-0933

Local: 417-257-7733

Rosenbauer Insurance Agency

1111 Independence Drive

West Plains, MO 65775

www.rosenbaueragency.com

Medicare can be quite overwhelming as you sort through your options and try to figure out what healthcare plan you need. For many of us, it’s the first time we really have to read the fine print, compare plans, and understand the different options available to us. But don’t worry, we’ve done the hard work for you and summarized Medicare in simple terms to help you find your best options. Don't settle for shopping from a limited number of Medicare plans. It only takes a few minutes to compare all of your Medicare options. We know since we’re from Howell County, every dollar counts. Compare plan premiums side-by-side and make sure you're getting the lowest rate possible for the Medicare plan you want. Medicare health and drug plans can make changes each year—things like cost, coverage, and what providers and pharmacies are in their networks. October 15 to December 7 is when all people with Medicare can change their Medicare health plans and prescription drug coverage for the following year to better meet their needs. People in a Medicare health or prescription drug plan should always review the materials their plans send them, like the “Evidence of Coverage” (EOC) and “Annual Notice of Change” (ANOC). If your plans are changing, you should make sure your plans will still meet your needs for the following year. If you’re satisfied with your current plan for next year and it’s still being offered, you don’t need to do anything.  If you're looking for help, we have people standing by. There is no-obligation to call.

Hospital Indemnity

                


*There are two kinds of people who leave the hospital: one who has a bill, and one who does not.*

    If your primary plan. whether it that's a Group/Employer, Medicare, or an Advantage Plan, has major deductibles, co-pays, or co-insurance, you'll end up paying those bills. Some plans, like Medicare Advantage, have a maximum stop loss out of pocket such as $6,700. Other plans like Group, have higher limits, or with Medicare alone-the sky's the limit!

    Most retired or striving to retire folks, don't want that kind of liability to worry about. The soultion? If you haven't had a hospital stay in the last year or a chronic condition, you could take less than 1% of that impossible hospital bill and get a plan to plug those gaps.

    We've helped hundreds of clients to leave the hospital with no financial worry. Let us show YOU how to do the same.

MoRx is Back!

WHAT IS MO RX?

MoRx is Missouri’s State Pharmacy Assistance Program. MoRx was created by the 93rd General Assembly to provide prescription drug assistance to Missourian’s in need by coordinating benefits with Medicare’s (Part D) Prescription Drug Program.

You May Be Eligible If You Are:

· A resident of the State of Missouri; AND

· Enrolled in a Medicare Part D Plan. To learn more about Part D or to choose and enroll in a Part D plan that's best for you, visit www.medicare.gov or call 1-800-MEDICARE (1-800-633-4227) toll-free; AND

· Single — with an annual gross household income of $21,660 or less OR

· Married — with an annual gross household income of $29,140 or less

What are the MoRx benefits?

· MoRx works with all Medicare Part D plans.

· MoRx pays for 50% of your out-of-pocket costs on medications that are covered by your Medicare Part D plan. This means you will save 50% on your deductible, 50% on your co-pays and 50% during the coverage gap and beyond. MoRx does not pay for the Medicare Part D Plan’s monthly premium.

· MoRx uses the formulary of the Medicare Part D plan. Any drug covered by a member’s Part D Plan will also be covered by MoRx.

· Dual eligible members will continue to have coverage for Medicare-excluded drugs through MO HealthNet. Medicare-excluded drugs include specific over-the-counter drugs, vitamins, minerals, limited cough and cold drugs, benzodiazepines and barbiturates.

· MoRx covers up to a 31-day supply for each prescription.

· You can use any Missouri pharmacy that works with your Part D plan. (MoRx does not cover mail order services)

How  Can I apply?

Call us toll free at 800-458-0933 or contact Rosenbauer online HERE! We can help.

(for more information, or to get an online application visit: http://morx.mo.gov)

Attention Small Business Owners with Insurance Questions

Small business are faced with more challenges than ever when it comes to insuring themselves and their employees. The Marketplace is a new way to find quality health coverage. It can help self-employed individuals and small business owners if you don’t have coverage now or if you have it but want to look at other options

Health plans offered through the Marketplace are offered by private insurance companies. They all cover the same essential health benefits. Plans cannot turn you away or charge you more because you or your employees have an illness or medical condition. All plans must cover treatments for these conditions. Health insurers also aren't allowed to charge women more than men for the same health plans, and many preventive services are covered at no cost to you.

Trust your local health insurance experts to get you and your business pointed in the right direction. Call or email for more information.

Click here to Request a Quote or ask about your Small Business Insurance needs.

Record Start for ACA plans

Only two weeks in to the Open Enrollment Period for individual and family health plans and we've already enrolled more than twice as many households as last year. Don't miss the boat! We only have until December 15th to get you coverage that goes into effect January 1st. If you enrolled in a plan last year you'll want to review your coverage for price changes and network limitations before next year.

If you did not enroll in a health plan last year and don't qualify for an exemption you may be faced with a penalty at tax time this year, next year the penalty will be more...Because every household is different, shopping for health coverage on the marketplace can seem daunting, but it doesn't have to be. Let us answer your questions about the Affordable Care Act and how it affects you.

Click here to Request a Quote or ask about your ACA Plan needs.