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Welcome to the Total Care Insurance Agency Blog

If you are looking for our agency website, it’s below: http://www.totalcareinsagency.com/

Be yourself; Everyone else is already taken.

— Oscar Wilde.

This is the first post on my new blog. I’m just getting this new blog going, so stay tuned for more. Subscribe below to get notified when I post new updates.

Covered CA Preliminary 2020 Plan Rates

In their recent press release, Covered CA has released it’s preliminary California “On-Exchange” 2020 rate estimates. The average rate change for 2020 in the individual market will be 0.8 percent. This is down from the averages of the previous 5 years.

Covered CA is saying that the lower rate is based on two CA state initiatives in 2020:

  • An estimated 922,000 consumers will be eligible to receive financial help from the state which will lower the cost of their coverage. This includes many middle-income families who were previously not eligible for assistance under the federal income requirements
  • In addition, due to the State of CA restoring the individual mandate via the California Franchise Tax Board in 2020, the carriers were able to recommend a lower rate increase

All 11 carriers will be returning in 2020, and Anthem Blue Cross will be returning to several parts of the state too. Anthem is returning to Central Coast, parts of Central Valley, Los Angeles County, and Inland Empire.

Beginning in October (specific date not known at this time), consumers will be able to put in their personal information to learn about their gross premium, federal and state subsidies and estimated price in 2020.

If you want to read the full news release, just click here


If you want to find out more about Covered CA plans or get a quote, please contact us:

1-888-304-1460 or run a free quote on our agency website (2019 rates only)


Covered CA
Covered CA

THIS WEBSITE IS OWNED AND MAINTAINED BY THOMAS SCHNEIDER/TOTAL CARE INSURANCE AGENCY, WHICH IS SOLELY RESPONSIBLE FOR IT’S CONTENT. THIS SITE IS NOT MAINTAINED BY OR AFFILIATED WITH COVERED CALIFORNIA, AND COVERED CALIFORNIA BEARS NO RESPONSIBILITY FOR IT’S CONTACT. THE E-EMAIL ADDRESSES AND TELEPHONE NUMBERS THAT APPEAR THROUGHOUT THIS SITE BELONG TO THOMAS SCHNEIDER/TOTAL CARE INSURANCE AGENCY, AND CANNOT BE USED TO CONTACT COVERED CALIFORNIA.

What Does the Executive Order on Healthcare Price and Qualify Transparency Really Mean to You

The Trump Administration has issued a new Executive Order that requires the Health and Human Services, Treasury, and Labor departments to issue new guidance the would disclose the cost of a patients care, negotiated rates (discounts) of providers, and to de-identify federal healthcare data (transparency of data).

Here’s some of specific instructions that was given to the departments listed, which they need to use to develop new regulatory guidance :

  • Require hospitals to disclose information about negotiated rates in a format that’s understandable and usable by patients and consumers.
  • Require insurance companies to provide patients with information about the cost of their care, including out-of-pocket costs before they receive services.
  • Develop a comprehensive roadmap for consistent, limited, and consumer-centric quality metrics.
  • Expand the availability and use of HSAs to cover direct primary care arrangements and healthcare sharing ministries. It also seeks to include more preventive services that can be covered in the deductible period.
  • Issue guidance on the number of funds that can be carried over at the remainder of the year for FSAs.

This order doesn’t implement any new federal policies, but the process will go through rule-making procedures, which will then allow for a comment period and enactment of a final rule.

Tom Schneider, Agency Owner @ Total Care Insurance Agency https://www.totalcareins.com/

As for the impact on consumers, that will depend on the final rules. Here are a few differing articles on this topic:

KHN Morning Brief – https://khn.org/morning-breakout/trumps-executive-order-to-increase-transparency-for-health-care-costs-may-seem-intuitive-but-research-suggests-it-could-backfire/

White House – https://www.whitehouse.gov/presidential-actions/executive-order-improving-price-quality-transparency-american-healthcare-put-patients-first/?mkt_tok=eyJpIjoiWmpka056STNZamxpWWpGaSIsInQiOiJBeHl1R2Fzazh3ZDhZV0wwV0dBWnZYVnVyS3RobWhOeEs1c2JicDVwYlI1bzBDSzJXbktaTFFncFJCZlJzM0ljR1ppNkJUazJ2MDZac1dQVk5Wc0pEYlNsbzlOektGREJsN2NFSzVNVENmZUpcLzh2K1Jvc1ZPNVk1T2EzSjFiZVwvIn0%3D

Got Health Insurance?

Paying too much for Health Insurance? Think you can’t afford Coverage?

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Outsmart Cancer!

Your Unique DNA Plays an integral role in everything about you including how you develop cancer and even how you react to treatments.

SO IF CANCER IS UNIQUE TO A PERSON AS THEIR DNA, WHY WOULD CANCER TREATMENTS BE THE SAME FOR EVERYONE?


Who do you have your cancer insurance with?
Wouldn’t you want the BEST SHOT at beating cancer if it ever happened to you?


GTL (Guarantee Trust Life) has partnered with TGen (Translational Genomics Research Institute, an affiliate of City of Hope) to create GTL’s “Precision Care” cancer insurance plan.
PRECISION CARE plans provide a lump sum of up to $75,000 for cancer treatment combined with genomic sequencing at TGen’s research laboratories. TGen oncology experts explain the results to you and your oncologist and provider treatment recommendations based on your unique markers in tumor and healthy cells.


This is “Insurance Designed for the 21st Century”!


Total Care Insurance Agency is proud to be appointed by GTL to offer this unique product to you.
Please contact us if you have any questions or would like a Free Quote:
1-888-304-1460 or visit our website www.totalcareins.com/cancer-insurance


*Watch the 2 min video below that explains some of the features of this groundbreaking coverage.

Final Expense Insurance: What you need to Know

Final Expense Insurance, aka Burial Insurance, pays for your burial (Funeral) expenses, as well as other debts at the end of your life. Currently, Social Security only pays $255 to your beneficiary upon your death.

Why do I need Burial Insurance?

Funerals are expensive and the price continues to rise. Even without a plot and headstone, the average national price of a funeral is more than $9,000. Most people do not want to leave that burden to their loved one.

What kinds of policies are available?

The two main kinds of Burial Insurance policies are Whole Life (Permanent Insurance) and Term Life (Temporary Insurance). Whole Life policies are more expensive, but cover you until your death, the rate never goes up and the benefit never goes down. As for Term Life policies, they are meant to cover you for a specific term (i.e. 10, 15, 20 years, etc.), and can end before your death.

When should I buy Burial Insurance?

You can purchase a Burial Insurance policy anytime between the Ages of 45-85. Please note the cost of the insurance is lower the younger you are when you purchase a policy.

Is it true that I can’t be turned down?

Yes. There is no medical exam required to buy final expense insurance. So those who have a medical condition that would prevent them from buying regular insurance may want to consider final expense insurance instead.

 Total Care Insurance Agency works with top Life carriers, such as, Mutual of Omaha, AIG, Sentinel Security Life, Prosperity Life, Gerber Life, etc. 

Get More Information and Request a Free Quote

Tom Schneider is the Owner of Total Care Insurance Agency. He is a licensed agent with over 25+ years experience in the insurance industry.

Introduce Yourself (Example Post)

This is an example post, originally published as part of Blogging University. Enroll in one of our ten programs, and start your blog right.

You’re going to publish a post today. Don’t worry about how your blog looks. Don’t worry if you haven’t given it a name yet, or you’re feeling overwhelmed. Just click the “New Post” button, and tell us why you’re here.

Why do this?

  • Because it gives new readers context. What are you about? Why should they read your blog?
  • Because it will help you focus you own ideas about your blog and what you’d like to do with it.

The post can be short or long, a personal intro to your life or a bloggy mission statement, a manifesto for the future or a simple outline of your the types of things you hope to publish.

To help you get started, here are a few questions:

  • Why are you blogging publicly, rather than keeping a personal journal?
  • What topics do you think you’ll write about?
  • Who would you love to connect with via your blog?
  • If you blog successfully throughout the next year, what would you hope to have accomplished?

You’re not locked into any of this; one of the wonderful things about blogs is how they constantly evolve as we learn, grow, and interact with one another — but it’s good to know where and why you started, and articulating your goals may just give you a few other post ideas.

Can’t think how to get started? Just write the first thing that pops into your head. Anne Lamott, author of a book on writing we love, says that you need to give yourself permission to write a “crappy first draft”. Anne makes a great point — just start writing, and worry about editing it later.

When you’re ready to publish, give your post three to five tags that describe your blog’s focus — writing, photography, fiction, parenting, food, cars, movies, sports, whatever. These tags will help others who care about your topics find you in the Reader. Make sure one of the tags is “zerotohero,” so other new bloggers can find you, too.

Affordable Healthcare Options for Individual and Families

Affordable Healthcare Options
For Individuals and Families
Health insurance alternatives may be a great way to get coverage
you can afford. Here’s the good and bad points of each.
This special report is presented by Thomas Schneider. Learn more about Thomas, and how to
contact him at the end of this special report.
Health insurance premiums have increased dramatically!
If you don’t qualify for financial assistance from the government you are feeling the full brunt of
the rate increases. It’s the working middle class that are being hit hardest with soaring
Obamacare premium hikes.
Average Individual Health Insurance Premiums Increased 99% Since
2013, the Year Before Obamacare, & Family Premiums Increased
140%, According to eHealth.com Shopping Data
Costs will continue to soar
The first projections for Obamacare 2019 are in:
Expect rate increases of up to 30%
~ LA Times
Because the law requiring you to have health insurance or pay a penalty to the IRS goes away
January 1, 2019, some of these options become more attractive.
Americans deserve and need choice when it comes to their healthcare. A good benefits advisor
is an expert in ACA alternative plans and and can help you determine which plans make the
most sense for your unique situation.
You deserve information on affordable healthcare options.
This special report will cover the following
● Association Health Plans
● Short-Term Medical (STM)
● Limited Medical Plans / Hospital Indemnity
● Telemedicine & Medical Discount Plans
● HealthSharing
● Integrated Health Benefits
Association Health Plans (AHP)
Association health plans (AHP) are a type of health insurance that’s offered by, and tailored for,
people with a “commonality of interest”.
Plan members must:
● share the same industry or profession, OR
● work in the same state or geographic area.
Points In Favor of AHPs
● AHPs can set different monthly prices based on gender, age, lifestyle factors
(unlike the Affordable Care Act which prevents this type of pricing)
● AHPs cannot charge someone for being sick, or exclude coverage for a pre-existing
condition.
● AHPs can, if they choose, be accessible all year round, and not just in the Open
Enrollment Period. This will make them easier to join.
● AHPs can be designed to appeal to certain groups more than others, which can in some
cases allow them to be appealing to healthy individuals, drawing them away from
Affordable Care Act coverage.
● AHPs can work across some state lines.
● AHPs can avoid expensive Obamacare coverage requirements, for example single men
and middle aged couples need not have the ACA mandated pregnancy coverage.
Problems With AHPs
● AHPs don’t focus on consumer protections. Obamacare plans must spend 80% or more
of monthly premiums on medical care, Association plans do not.
● AHPs are seen as weakening the Obamacare market, if a significant number of healthy
people move to this alternative.
● The flexibility in AHP plan design means that “junk plans” can be created and
deceptively marketed to unwary customers.
● May not even be a viable option for national associations due to individual state laws.
California, for example, is opposed to Association Health Plans and calls them “junk”
plans. New Jersey has passed a law decertifying AHPs from counting as “minimum
essential coverage.”
● The biggest proponent of Association plans was National Federation of
Independent Business (NFIB), no longer sees Association plans as a viable option
due to how the regulations were written.
Bottom Line: an AHP might be good for you, if you can accept more risk, and are really well
informed. Contact Thomas Schneider for a personal discussion of whether this might be right
for you. But beware! There will be deceptive AHP plans hitting the market this year and next.
Short-Term Medical (STM)
Under the Obama administration STM plans were limited to three months. Prior to this STM
could be written for up to 364 days, depending upon the state. California, for example, limited
STM to 6 months.
The Trump administration issued new regulations regarding STM. They now can be written up
to one year and can be renewed up to three years. States like CA are vehemently opposed to
allowing STM plans being sold and California has passed Bill SB 910 that would ban the sale of
short-term medical plans in CA.
Short-term medical plans do ask medical questions, so you are not guaranteed to be approved
for coverage and they generally do not cover pre-existing medical conditions and prescriptions.
STMs are considered major medical insurance and typically cover 100% of medical costs after
a deductible and out of pocket maximum to a lifetime limit of $500,000 or $1 million depending
upon the plan and carrier.
Points In Favor Of STM Plans
● Most STM plans have broad network coverage, and are often accepted at the best
hospitals
● Premiums are often low, in the range of half of Obamacare plans
● Apply all year round, not limited to Open Enrollment periods
● Premium savings can be used to purchase other care plans,
Including Thomas Q, Agent’s Integrated Health Benefits .
● Ask Thomas for his special report on Integrated Health Benefits.
Problems With STMs
● Pre-existing conditions coverage not available
● Applications may be rejected due to health status
● Poor prescription drug coverage
● Many health benefits may be left uncovered, check carefully!
● Even though the STM may be extended, it’s still basically short term coverage .
● In some states, STM may not ever save you money!
Limited Medical/Indemnity Plans
These plans are also referred to as “hospital indemnity” plans.
They provide first dollar coverage for medical services such as hospitalization, surgery, and
physician office visits. They are not major medical insurance.
Points In Favor of Limited Medical/Indemnity Plans
● Premiums can be very affordable.
● Member receives a cash payment upon a qualifying event such as an accident, or
specific critical illnesses, as specified in the plan. You are paid first, then are responsible
for paying the providers.
● Usually this is “first dollar coverage,” no deductibles or copayments.
● Many such plans include Telemedicine, Prescription Discount Card, Accident coverage
and AD&D
● Applications can be made any time of the year, no waiting for Open Enrollment
● Usually are “guaranteed issue” which means there is no medical underwriting, so
applications are not rejected due to health status of applicants.
● Generally these plans have pre-negotiated rates with a healthcare provider network
Problems With Limited Medical/Indemnity Plans
● Benefits are tied to specific incidences, such as an accident, critical illness, doctors visit,
or hospital admission, depending on the policy
● No benefits for general conditions such as diabetes, arthritis, etc.
● Medical expenses often capped at a rate much lower than major medical plans
● These plans are often sold via deceptive marketing. Beware!
Medical Discount Plans (MDP)
Watch out!
When considering a medical discount plan you really need expert guidance.
MDPs are not health insurance. When you buy a health insurance plan, it covers a broad range
of services, and pays you or the healthcare provider a portion of your medical bills.
But you must beware of Medical Discount Scams.
Here’s what the FTC says…
Beware of “Up To” Discounts
“Discounts of up to 70%!” — but how often will you save that much?
Savings with discount plans typically are a lot less. When you
consider a discount plan monthly premiums and enrollment fees,
there may be no “discount” at all. What’s more, if you have major
health problems or an emergency, you will have to cover most, or all,
of the bills if you don’t have health insurance.
With an MDP, you pay a small monthly fee to get discounts on specific services.
For example, one excellent MDP can
● Save you 10% to 85%, with an average savings of 46% on your prescriptions.
● Save 40% to 75% on MRI and CT scans
● Save 10% to 60% on routine lab work
● Save 15% to 60% on Hearing Aids
Please make sure to speak to me before committing to any specific Medical Discount Plan, my
contact information is at the end of this special report.
Telemedicine
Telemedicine is simply the use of telephones, computers, and tablets to provide clinical
health care from a distance. It has been used to overcome distance barriers and to
improve access to medical services.
Benefits Of Telemedicine
Instead of visiting a doctor in person, you speak to a doctor via phone or video conferencing.
It can be used to diagnose and prescribe meds for 80% of common ailments.
The best telemedicine services give you 24/7 access to board certified physicians who will call
you back within 6 minutes on average. No cost or copay.
Here are some more telemedicine statistics gathered by FS Health.
High Patient Satisfaction : A 2016 survey funded by the NIH (which analyzed
responses from 3,000 patients) concluded that between 94 percent and 99 percent
were “very satisfied” with telehealth, while one-third of respondents preferred the
telehealth experience to an in-office doctor visit.
Equivalent Quality of Care: According to the American Telemedicine Association,
“Studies have consistently shown that the quality of healthcare services delivered via
telemedicine are as good those given in traditional in-person consultations.”
No Long Waits : A recent Harris Poll survey found that 23% of people have delayed
seeing a doctor because it takes too long, while an additional 13% have delayed a
doctor visit because they are too busy. A study published in 2015 in the American
Journal of Managed Care , by researchers at Harvard Medical School, concluded that
the average doctor visit took 121 minutes; 37 minutes of travel time, 64 minutes of
waiting time, and just 20 minutes of face-to-face time with physicians.
Better Access to Care: A 2016 Commonwealth Fund study found that 51% of U.S.
adults struggled to get health care at nights and on weekends without visiting the
emergency room.
Limited Facetime with Doctors: While the total time involved in a physician visit often
involves several hours, including travel time, waiting time, and completing paperwork, a
2017 Medscape survey found that 56% of all physician visits included 16 minutes or
less of actual face-to-face time with patients. This analysis included visits to specialty
and primary care physicians.
No Wait to See New Doctors : In 2017, the average wait for an appointment with a new
Family Medicine doctor in 15 major metropolitan areas increased by 51% to 29.3 days,
from 19.5 day in 2014. The average wait for an appointment with a new Family Practice
doctor in mid-sized metropolitan areas was 54.3 days in 2017. When you join a good
telemedicine plan, you are accepted within a day or two, and can speak with a board
certified physician just minutes after you are accepted.
HealthSharing
What Is HealthSharing?
Medical cost sharing, or health sharing ministries, are a group of like-minded individuals that
agree to come together and help each other pay their medical expenses.
HealthSharing plans are not right for everyone, but for the right person or family, they can be
better than conventional health insurance.
Traditional Health Sharing Plans , or Health Care Sharing Ministries (HCSM) have been
around for hundreds of years, These organizations have very strict and theologically specific
requirements that essentially limit themselves to evangelical Christians who conform
Modern HealthSharing Plans are perhaps the most exciting development in healthcare in the
last 30 years. It’s the new healthcare solution that’s delivering better coverage, better treatment
and controlling costs for millions of Americans. Health Sharing is still not well known, but is
growing fast, and for very good reasons.
Modern Health Sharing Major Benefits
● High quality coverage at half the cost of Obamacare
● The nation’s largest PPO network, this means you get access
to the best hospitals, and medical providers nationwide
● Enroll year round, no qualifying event needed
● No government involvement, it’s true healthcare freedom
Ask for my special report 7 Reasons Why Modern HealthSharing Is Better Than Insurance
to learn more.
Integrated Health Benefits (IHB)
What are integrated health benefits?
It’s a way of creatively integrating different insurance policies
for complete coverage at the lowest possible price.
Your individual situation will determine what elements are a
part of you and your family’s IHB.
By integrating some of the affordable healthcare options in
this report, you can save money and still have complete
peace of mind, knowing you and your family are well covered
in virtually every situation.
Call Now To Learn More
888-304-1460
Thomas Schneider
My name is Tom Schneider, and I am the agency owner of Total Care
Insurance Agency. I am licensed in 40 states, and have over 20 years
experience in the Health Insurance Industry. I have worked in Sales,
Management, Customer Service, Claims at the carrier level for many years,
and have learned that insurance can be very confusing. My goal at Total
Care Insurance Agency is to take out the confusion, and offer a free service
to help consumers find the right protection at an affordable price. That’s
why I believe that Total Care Insurance Agency is the Cure for the
Common Health Insurance Agency!
Please check out the free information booklets, and feel free to reach out to
me directly. I am here to assist you in finding the health care plan that you
are looking for!
Website: https://www.totalcareins.com/
Email: tom@totalcareins.com
888-304-1460

7 Reasons Why Modern Health Sharing Is Better Than Insuance

7 Reasons Why ​Modern​ HealthSharing Is Better Than Insurance Discover why Modern HealthSharing offers better, more affordable healthcare for millions of Americans This special report is presented by Thomas Schneider. Learn more about Thomas, and how to contact him at the end of this special report.

Before I give you the top 7 Reasons Modern HealthSharing Is Better Than Insurance​, let’s take a look at what HealthSharing is, and how Modern HealthSharing differs from traditional HealthSharing plans. What Is HealthSharing?

HealthSharing, often known as Health Care Sharing Ministries (HCSM) is based on the Christian tradition of voluntarily helping others in need, and sharing one another’s burdens. Participation in a HCSM involves signing a statement of shared beliefs. Traditional HCSMs On the more traditional side are companies such as Medi-Share and Samaritan Ministries, which essentially limit themselves to evangelical Christians with very theologically specific statements of beliefs and behaviors that you are required to conform to or your plan is canceled. Additionally, your pastor may be contacted to check your attendance in church and other private matters. In a traditional HCSM, each month your contribution is matched with another’s eligible medical bills. You will know every month whose bills you are paying, and when you have eligible bills, your fellow members will be sending money to you. You negotiate payment for your bills with the healthcare provider on your own, pay the bill, submit a form to your HCSM, and later receive payment from your fellow members, who know exactly what medical condition y Modern HealthSharing HealthSharing ministries go back many centuries and have been only for the most devout and conservative Christians. However, beginning in 2012, some HealthSharing plans have modernized to allow all Americans to become members, regardless of their faith, religion, sexual preferences, and marital status.

Rather than sharing costs only with members that share similar religious beliefs, modern HealthSharing members share beliefs about:

● Belief in God, not any particular God

● People have a fundamental right to worship God in their own way

● Helping our fellow man when in need based on our available resources

● A duty to live a healthy lifestyle

● Fundamental right to direct our own healthcare By utilizing strong PPO networks, medical costs are negotiated at contracted, significantly discounted rates.

Members are not required to negotiate their own medical payments. Your contributions are made directly to the HealthSharing plan’s escrow account, rather than sending your contribution to a different member each month HealthSharing plan pays the providers directly, no need to file a claim or seek reimbursement from the HealthSharing plan after paying bills out of pocket, as in the traditional HCSM. Your medical privacy is maintained. No other member of the Modern HealthSharing plan will ever be informed why you are seeking medical attention. Everyone is approved for membership as long as they agree with the statement of beliefs. Medical records are not required, no height and weight restrictions Other Benefits Of Modern HealthSharing

● Open to all faiths, religions, and denominations, not only for evangelical Christians

● Modern HealthSharing programs operate similarly to insurance, if you didn’t know it was healthsharing you might think it was a health insurance plan

● Tobacco users are allowed, however, they contribute $60 more each month and have 12 months to quit

● Same-sex marriages are accepted

● You will not be kicked off the plan if your daughter becomes pregnant out of wedlock, unlike the strict Biblical interpretations of more restrictive traditional HCSMs.

● Newer plans offer limited coverage for pre-existing conditions and don’t have blanket exclusions

● Only work with licensed health insurance agents to offer their products

● Require that licensed insurance agents carry Errors & Omissions coverage to provide protection if benefits and coverage are misrepresented by the agent.

● Have partnered with marketing organizations that have vast insurance industry experience to provide a more streamlined, efficient process that is not disruptive to the member

● Market and position themselves as providing affordable healthcare solutions as an alternative to traditional insurance versus faith-based ministries that are based on rigorous biblical values, beliefs, and behavior.

Top 7 Reasons ​Modern​ HealthSharing Is Better Than Insurance Reason #7 No Annual Rate Increases Each year, health insurance rates become increasingly unaffordable under the ACA. Data from eight states show that in the ACA marketplace, premiums for the popular “silver” insurance plans are set to rise 18 percent in 2019 – after a 12 percent increase in 2018. That’s a 30 percent increase in just two years’ time. To make matters even more financially challenging, silver plans are purchased by more than 70 percent of customers who obtain coverage on the ACA-run health exchanges. The Future Looks Even Worse! HealthSharing plans, take the guesswork and anxiety out of rising health care rates. Members do not face automatic, annual rate increases mandated by the government. Instead, they offer plans that remain consistently affordable, no matter how the tides change politically. HealthSharing plans to service their members, not politicians, high paid CEOs, and special interests.

Reason #6 Only Pay for the Medical Services You Need Under the ACA, essential health benefits cover treatment and procedures that are often completely non-essential to individual members of health care plans. From maternity plans to drug and alcohol treatment programs, many benefits are paid for by individuals who will never utilize these services (such as single men, or individuals who do not require substance abuse treatment programs). With a HealthSharing plan, you only pay for the health care services you and your family need. You are not required to financially provide benefits for individuals whose lifestyles and choices do not align with your own. You have the freedom to focus on your own health and the health of your loved ones.

Reason #5. Enroll Year-Round – No Qualifying Event Needed We all know that life happens. And sometimes, life doesn’t conveniently coincide with the open enrollment period. It doesn’t line up with open enrollment deadlines. With a Modern HealthSharing plan, you don’t need to sign up during the brief enrollment period, or when you have a qualifying event like getting married or having a baby. Instead, you have t

Reason #3 No Shareholders Looking to Profit, No Huge Salaries For Management: This Means Lower Costs To You! Since the passage of the ACA, individuals, and families often struggle under the financial demands of the program. Meanwhile, huge multi-billion dollar health insurance corporations reap substantial financial gains from the expensive monthly premiums members are required to pay. And, with share buybacks and dividends, shareholders profit significantly. Yet what about the individuals and families who pay for healthcare? How do they benefit? “The CEOs of 70 of the largest U.S. healthcare companies cumulatively have earned $9.8 billion in the seven years since the Affordable Care Act was passed, and their earnings have grown faster than most Americans’ during that time, according to an Axios analysis of federal financial documents.” With a Modern HealthSharing plan, your money goes to your health care – not to lining the pockets of shareholders and paying huge salaries and bonuses to fatcat corporate executives. Because Health Sharing plans are non-profit,​ finances aren’t diverted to shareholders in the form of dividends. Instead, finances are used to support the mission of providing health coverage. It’s that simple.

Reason #2 Access To The Best Doctors and Hospitals. You have to be careful here, as not every Health Sharing plan works similarly. We strongly suggest you speak to a Certified HealthShare Advisor when considering a HealthSharing plan, as they are experts in considering the pros and cons of each plan for you. The presenter of this report, Thomas Schneider is a Certified Health Share Advisor. Contact information for Thomas is at the end of this special report. The Modern HealthSharing plan I most commonly suggest uses the PHCS network, which is the biggest and best in the USA. See the graphic below for PHCS highlights. You get access to over a million healthcare providers, so your existing doctor is probably in the network. You get access to the best hospitals in the nation.

Reason #1 There is more to choosing your health coverage plan than merely money, as we’ve discussed in the previous reasons to consider Heath Sharing. But costs for Obamacare are skyrocketing, and you owe it to your family to at least consider the alternatives. For most people, you can get better coverage, and better treatment, at about half the cost of Obamacare.​ Who Should NOT Consider Health Sharing Health Sharing plans are not for everyone!

Here’s a quick list of people who should not join a Heath Sharing plan:

● If you are pregnant or planning a pregnancy in your family soon.

● If you have a very serious pre-existing condition.

● If you are receiving generous ACA subsidies, and are happy with the costs of your health insurance

● If you are totally happy with the cost of your health insurance It’s also important to note that Heath Sharing plans are NOT insurance, they are alternative healthcare coverage plans They can be better than Obamacare for many people, but certainly not everyone. That’s why you should always consult with someone who knows all the issues around both health insurance and modern HealthSharing plans.

Call Now To Learn More 888-304-1460 Thomas ​Schneider My name is Tom Schneider, and I am the agency owner of Total Care Insurance Agency. I am licensed in 40 states, and have over 20 years experience in the Health Insurance Industry. I have worked in Sales, Management, Customer Service, Claims at the carrier level for many years, and have learned that insurance can be very confusing. My goal at Total Care Insurance Agency is to take out the confusion, and offer a free service to help consumers find the right protection at an affordable price. That’s why I believe that Total Care Insurance Agency is the Cure for the Common Health Insurance Agency! Please check out the free information booklets, and feel free to reach out to me directly. I am here to assist you in finding the health care plan that you are looking for!

Website:https://www.totalcareins.com// Email: tom@totalcareins.com 888-304-1460