If you are turning 65 or you are 65 + and retiring from your place of employment and losing your group coverage, you have 90 days prior to the qualifying event (e.g. your birthday or the date of losing your coverage) and 90 days after the qualifying event to sign up for either a Medicare Advantage or Medicare Supplement plan as guaranteed issue policies.                        Continue Reading
ad·vo·cate noun /ˈadvəkit/ A person who pleads on someone else's behalf. A person who publicly supports or recommends a particular cause or policy.
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Hello. I’m Cary Hall, host of America’s Healthcare Advocate and President of Benefits By Design, Inc. Whether you need individual, family or employer-sponsored health insurance, we will help you find the best Kansas City health insurance provider & a plan that fits your needs and fits your budget. Discover the difference an advocate can make for you!  --- LEARN MORE
When Should I Sign Up For Medicare?
WASHINGTON — The Obama administration plans on Wednesday to propose expanding Medicare to cover programs to prevent diabetes among millions of people at high risk of developing the disease, marking the sixth anniversary of the Affordable Care Act with the prospect of a new benefit                                      Continue Reading
Medicare Proposal Takes Aim at Diabetes
America's Healthcare Advocate is pleased to announce its newest affiliate:  WBCR 1470 AM in Alcoa, Tennessee.  We want to thank Adam Miller and the folks at Genesis Communications Network for the opportunity and welcome our new audience in Alcoa, Tennessee.
America’s Healthcare Advocate Lands In The Volunteer State
Only 28 percent of millennials are enrolling in ObmaCare.  Why?  Could it be the cost of coverage versus the $695 penalty?  In The Wall Street Journal article below you will get a clear understanding of why millennials aren’t enrolling and its impact on the cost of health insurance…  Continue Reading      
A Millennial’s ObamaCare Lament
Airing nationally.  Join us this Saturday as Andrew Clayton, President, Pareto Captive Services, discusses Pareto’s employee benefit captives which allow employers to reduce costs and increase control over their employer benefit programs.  This is a broadcast you won’t want to miss.
You can expect sticker shock this year if you’re renewing an ACA ObamaCare plan.  The Wall Street Journal article below explains why insurance carriers are going to be raising premiums and pulling out of the marketplace.  It’s not a pretty picture…                     Continue Reading
Aetna’s ObamaCare Shock
The Sun Came Up Again This Morning
I don’t often post comments on political issues because of my nationally syndicated radio show America’s Healthcare Advocate.  However, today is an exception to that rule.  Right, wrong, left, right, Republican, Democrat or Independent…regardless of what you are or who you are, the American people spoke last night:  loud and clear.  I’m old enough to remember another election when a B movie star and California cowboy was elected the 40th President of the United States.  The pundits all predicted the world would come to an end, that we would have a nuclear exchange with the Soviet Union, and that Barbara Streisand was going to leave the country.  None of  that happened.   What did happen was one of the most prosperous periods in American History which lasted for over ten years because of Ronald Reagan’s policies.  The Berlin wall came down, and the Soviet Union collapsed.  Ronald Wilson Reagan went on to become one of the greatest presidents in the history of this country:  admired by many, even Barack Obama.  Donald Trump is no Ronald Reagan.  He’s not a politician.  He’s a  TV personality and a larger than life figure who connected with the average American (white collar, blue collar, Republican, Democrat or Independent).  And the great wailing and gnashing of teeth from the pundits has already begun.  If you listened to his victory speech last night, you heard a conciliatory tone asking that we all come together as a nation.  I think Hillary Clinton said it best today in her concession speech: “We owe him an open mind and a chance to lead.”  Who knows, perhaps he will exceed all expectations just like Ronald Reagan did.