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Displaying 1 - 10 (of 328) < Prev Page     Page 1 of 33     Next Page >
Premiums for 2020 ACA Plans Are Down 4% Nationwide!
Posted on Tuesday, October 22, 2019 at 3:10 PM
Health Insurance Erie PA

Today, the Centers for Medicare & Medicaid Services (CMS) announced that the average premium for the second lowest cost silver plan on HealthCare.gov for a 27 year-old will drop by 4 percent for the 2020 coverage year. Additionally, 20 more issuers will participate in states that use the Federal Health Insurance Exchange platform in 2020 bringing the total to 175 issuers compared to 132 in 2018, delivering more choice and competition for consumers. 

Time will tell what that means for thE PEnnsyvania Market.  The 2020 Plans are to be released November 1st 2020, and the HMM Team is here to help every step of the way.

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2020 ACA Individual Health Insurance Open Enrollment Period Is Just Around The Corner
Posted on Monday, October 7, 2019 at 9:29 AM
Health Insurance Erie PA

Well it is that time of year again!  The annual “open enrollment period” for the Affordable Care Act Plans is just around the corner, are you ready?  The “open enrollment period” runs from November 1st through December 15th for a January 1, 2020 effective date.  This is your opportunity to review the new plans for 2020 and switch if so desired.  There are many changes to the plans and networks.  We, at Hart McConahy & Martz, have spent a great deal of time to stay current with all the changes as they have come along.  This is also the time to review your subsidy eligibility, and updating your income projection for 2020.

Benjamin Martz, CPIA received the "Circle of Champions" award for 2018 AND 2019, and he is scheduling for appointments again for this Open Enrollment Period.  If you would like to schedule an appointment, you can reach Ben at (814) 455-0987, ext 119. 

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Congratulations to Benjamin Martz For Being Nationally Recognized As A Member of The Circle Of Champions!
Posted on Thursday, September 26, 2019 at 11:00 AM
Health Insurance Erie PA

Benjamin Martz, CPIA recognized for helping consumers with qualified health coverage

This nationwide recognition from the Centers for Medicare & Medicaid Services (CMS) as a member of the 2019 Marketplace Circle of Champions highlights Benjamin Martz, CPIA success in assisting consumers with qualified health coverage.  

“Consumers turn to agents and brokers for trusted advice and guidance in selecting plans, enrolling in coverage, and managing their health insurance policies throughout the year,” said Randy Pate, Director of Center for Consumer Information & Insurance Oversight (CCIIO) operation within CMS, which oversees the Marketplace. “We thank Benjamin Martz, CPIA for his hard work and exceptional service in helping Americans get coverage.”

The Marketplace Circle of Champions program recognizes the hard work, expertise and service of Marketplace-registered agents and brokers.

Eligible consumers can enroll in Marketplace coverage during this year’s Open Enrollment Period, which runs November 1 – December 15, 2019. Consumers with questions about their coverage or who would like help enrolling can contact Benjamin Martz, CPIA at (814)455-0987 x 119.


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Medicare AEP Is Just Around The Corner!
Posted on Friday, September 20, 2019 at 2:43 PM
Medicare Insurance Erie PA

The 2019 Medicare Annual Election Period, or AEP, is to start October 15th, 2019.  The Annual Election Period runs from October 15th through December 7th, 2019.  This is your chance to switch your Medicare Advantage (MA), or Prescription Drug Plan (PDP) for the 2020 plan year.

This is your opportunity to:

·         Change from Original Medicare to a Medicare Advantage Plan.

·         Change from a Medicare Advantage Plan back to Original Medicare.

·         Switch from one Medicare Advantage Plan to another Medicare Advantage Plan.

·         Switch from a Medicare Advantage Plan that doesn't offer drug coverage to a Medicare Advantage Plan that offers drug coverage.

·         Switch from a Medicare Advantage Plan that offers drug coverage to a Medicare Advantage Plan that doesn't offer drug coverage.

·         Join a Medicare Prescription Drug Plan.

·         Switch from one Medicare drug plan to another Medicare drug plan.

·         Drop your Medicare prescription drug coverage completely.

To set up a meeting with a member of HMM's Medicare team, call our office at (814) 455-0987.

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Happy Labor Day!
Posted on Friday, August 30, 2019 at 9:00 AM
Insurance Erie PA

The HMM team would like to wish everyone a happy and safe Labor Day!  We will be closed on Monday (09/02/2019) in observation of the Holiday.  The Team will be back, and rested, Tuesday morning at 8:30 to help with all your insurance needs!

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August is National Immunization Awareness Month!
Posted on Wednesday, August 28, 2019 at 8:59 AM
Health Insurance Erie PA

August is National Immunization Awareness Month (NIAM). This annual observance highlights the efforts of employers and medical professionals to protect people of all ages against vaccine-preventable diseases through on-time vaccination.

During NIAM, The CDC encourages you to ensure your employees and families are up to date on recommended vaccines. Research has consistently shown that healthcare professionals are the most trusted source of vaccine information for employees and their families.

Use NIAM as an opportunity to access CDC educational resources like the #HowIRecommend Video Series, which offers simple and practical guidance for having successful vaccine conversations with employees and their families. These short videos demonstrate how to make effective vaccine recommendations, address common vaccine questions, and take a team-based approach to vaccination.

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Health Insurance Renewal Season Erie PA
Posted on Thursday, August 22, 2019 at 12:18 PM
Health Insurance Erie Pa

The cooler weather is the sign of the beginning of Health Insurance Season.  The HMM Benefits team is diligently searching the markets, and educating themselves, on the new products to be unveiled this year.  Many Employer Group renewals are starting to be released, and their packages evaluated.  The "pre-65" individual customers are awaiting the release of the 2020 plan option on November 1st.  Medicare's "Annual Enrollment Period" (AEP) starts October 15th and will run through December 7th.  Most Medicare Supplements, PDP's and Advantage Plan outlines will be released on October 1st.

If your employer, family or loved ones are in the market for a new Health Insurance Product this year, put HMM's 147 year history to work for you!  Contact our Benefit Team today by calling (814) 455-0987 Ext. 119.

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Landlord Tips: Tenant Screening
Posted on Friday, August 9, 2019 at 10:14 AM
Rental Property Insurance Erie Pa

Landlord Tips: Tenant Screening

Good tenants are not always easy to come by.  A landlord has a challenge during the screening process to determine if this applicant will make a good tenant.  Here are four questions to ask yourself when considering a new tenant.

  • Do They Voluntarily Reveal Info?

o    Landlords feel more comfortable renting to tenants who are forthcoming and volunteer information that would be helpful in the screening process. Landlords prefer tenants who don’t try to hide anything but are upfront about letting them know as much pertinent information about them as possible. When you see that a tenant’s credit score is good but not excellent, for example, a forthcoming tenant would explain why.

  • Are They Rich (well, rich enough)?

o    Although landlords would love to rent to “rich” tenants, if the potential tenant is truly rich, they probably aren’t in your rental market. When they think “rich,” landlords mean they want prospective tenants to make enough money to pay rent along with all their other expenses. I suppose that’s just another word for “qualified.”

o    Many landlords live by the 30% rule: No more than 30% of income should go toward housing. So if you charge $1,000 for rent, for example, you would want your tenant (or tenants) to make at least $3,000 a month.

  • Are They Financially Responsible?

o    Landlords look for reliability. They discover this trait from a tenant’s credit score, for one. The higher the score the more reliable the tenant appears.

o    Here’s a general rule of thumb for credit scores:

§   750 – 850: Excellent

§   700 – 749: Good

§   650 – 699: Fair

§   600 – 649: Poor

§   300 – 599: Bad

  • Are They Ready to Move In?

o    While you probably won’t get someone to move into your unit on the spot, applicants who can move to your place in a week look better than tenants who can’t move in for a month or more. Assuming they’re qualified, why would you wait for the tenants who can’t move in right away?

 

As always requiring renters insurance is the best way to protect you and your investment.  Contact our “Landlord Team” with any questions you may have, (814) 455-0987 x 119.

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IRS Releases 2020 ACA Affordability Contribution Rates
Posted on Monday, July 29, 2019 at 1:14 PM
Group Health Insurance Erie PA

The IRS announced the "Affordability Contribution Rate" of 9.78% for plan year 2020.

Under the employer shared responsibility ("pay or play") provisions of the Affordable Care Act, applicable large employers—generally those who have 50 or more full-time employees (including full-time equivalent employees)—may be subject to a penalty if they do not offer affordable coverage that provides minimum value to their full-time employees and their dependents.
  
For plan years beginning in 2020, the Internal Revenue Service has announced that coverage will generally be considered affordable if the employee's required contribution for the lowest-cost self-only health plan offered is 9.78% or less of his or her household income for the taxable year. For plan years beginning in 2019, the applicable percentage is 9.86%. 
 
Given that employers are unlikely to know an employee's household income, they may use a number of safe harbors to determine affordability, including reliance on Form W-2 wages. 

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ATV Insurance Season
Posted on Thursday, July 18, 2019 at 2:14 PM
ATV Insurance Erie PA

ATVs are among the most versatile vehicles around. Plus, they're fun to ride. No wonder we love them. Maybe you use yours for hunting, getting around your property quickly, taking care of farm chores, yard work, pulling trailers, exploring off road, or fun and recreation. Or all the above. They're called all-terrain vehicles for good reason: they let you experience the outdoors and access wild places most other vehicles can't reach.

Whether you ride an ATV with four or six wheels, a side-by-side, a utility task vehicle (UTV), or similar off-road vehicle, stay protected with custom coverage. And because there are so many different uses for your ATV or UTV, we'll help tailor a policy to your exact needs.

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