IBD Insurance Receives First Annual Inclusive Health Award

Following its first anniversary of providing coverage to North Carolinians with pre-existing conditions with few or no health coverage options, Inclusive Health is awarding its first annual recognition award to Raleigh insurance brokerage IBD Insurance Services for its active role in raising awareness about the program and enrolling members into it.

 

“Since offering coverage to individuals who otherwise had no affordable options, Inclusive Health has depended on brokers and agents to get the word out,” said Michael Keough, Executive Director of Inclusive Health. “This awards ceremony is to pay tribute to their hard work, and thank them for helping us to enroll almost 3,000 individuals in our first year.”

 

IBD Insurance Services of Raleigh received the award as the top producing brokerage firm in the state for Inclusive Health. The award was given at Inclusive Health’s first Annual Recognition Awards Luncheon on Feb. 10 at the N.C. Institute of Medicine in Morrisville.

 

“As an insurance agent, you are dealing with many clients at their most vulnerable – they need a service we’ve all come to depend upon for our families and our own health. It is truly frustrating to have to turn someone away. Once Inclusive Health started offering coverage, agents from IBD and agencies like them across the state had a viable option: they could help these residents who were already dealt a difficult hand with their health,” said Keough. “We truly appreciate their diligence and loyalty to Inclusive Health.”

 

 
 


IBD Insurance receives Inclusive Health recognition award

IBD Insurance accepts award from NC Department of Insurance Commissioner Wayne Goodwin

CMS Terminates Medicare Part D Contract With Fox Insurance

CQ HealthBeat(3/11, Norman, subscription required) reports, “A New York health insurance company has been kicked out of the Medicare Part D prescription drug program after the government determined the insurer wasn’t meeting Medicare requirements for beneficiaries. CMS officials said it is the first time a company has been terminated from the Part D program since its inception.” According to CMS, “an onsite review of the company by federal officials found violations including imposition of unapproved prior authorization of prescriptions, a failure to meet the plan’s appeals deadlines, and a failure to comply with regulations requiring that enrollees be transitioned to new drugs at the beginning of the new plan year.”

Fox Insurance was doing business in North Carolina. If you or someone you know is going to be impacted by this, please call IBD Insurance at 800-615-5980. CMS will give impacted individuals the opportunity to enroll in another Part D plan. Call IBD Insurance today for guidance and assistance.

 

On Colonoscopies

I received this via email.  You know the ones, where someone sends it to EVERYONE in their address book, but decided to read it just before hitting “delete,” and you know what - it was a good one.  One worth reading - especially if it applies to you.  Time for a Colonoscopy?  read on…

ABOUT THE WRITER 

Dave Barry is a Pulitzer Prize-winning humor columnist for the Miami Herald.

Colonoscopy Journal: 
  
I called my friend Andy Sable, a gastroenterologist, to make an appointment for a colonoscopy.


A few days later, in his office, Andy showed me a color diagram of the colon, a lengthy organ that appears to go all over the place, at one point passing briefly through  
Minneapolis.

Then Andy explained the colonoscopy procedure to me in a thorough, reassuring and patient manner.

I nodded thoughtfully, but I didn’t really hear anything he said, because my brain was shrieking, ‘HE’S GOING TO STICK A TUBE 17,000 FEET UP YOUR BEHIND!’

I left Andy’s office with some written instructions, and a prescription for a product called ‘MoviPrep,’ which comes in a box large enough to hold a microwave oven..  I will discuss MoviPrep in detail later; for now suffice it to say that we must never allow it to fall into the hands of America’s enemies.


I spent the next several days productively sitting around being nervous.


Then, on the day before my colonoscopy, I began my preparation.  In accordance with my instructions, I didn’t eat any solid food that day; all I had was chicken broth, which is basically water, only with less flavor.

Then, in the evening, I took the MoviPrep.  You mix two packets of powder together in a one-liter plastic jug, then you fill it with lukewarm water. (For those unfamiliar with the metric system, a liter is about 32 gallons). Then you have to drink the whole jug.  This takes about an hour, because MoviPrep tastes - and here I am being kind - like a mixture of goat spit and urinal cleanser, with just a hint of lemon.

The instructions for MoviPrep, clearly written by somebody with a great sense of humor, state that after you drink it, ‘a loose, watery bowel movement may result.’

This is kind of like saying that after you jump off your roof, you may experience contact with the ground.

MoviPrep is a nuclear laxative. I don’t want to be too graphic, here, but, have you ever seen a space-shuttle launch?  This is pretty much the MoviPrep experience, with you as the shuttle. There are times when you wish the commode had a seat belt.  You spend several hours pretty much confined to the bathroom, spurting violently. You eliminate everything.  And then, when you figure you must be totally empty, you have to drink another liter of MoviPrep, at which point, as far as I can tell, your bowels travel into the future and start eliminating food that you have not even eaten yet.

After an action-packed evening, I finally got to sleep.

The next morning my wife drove me to the clinic. I was very nervous.  Not only was I worried about the procedure, but I had been experiencing occasional return bouts of MoviPrep spurtage.  I was thinking, ‘What if I spurt on Andy?’  How do you apologize to a friend for something like that?  Flowers would not be enough.

At the clinic I had to sign many forms acknowledging that I understood and totally agreed with whatever the heck the forms said. Then they led me to a room full of other colonoscopy people, where I went inside a little curtained space and took off my clothes and put on one of those hospital garments designed by sadist perverts, the kind that, when you put it on, makes you feel even more naked than when you are actually naked..

Then a nurse named Eddie put a little needle in a vein in my left hand.  Ordinarily I would have fainted, but Eddie was very good, and I was already lying down.  Eddie also told me that some people put vodka in their MoviPrep.


At first I was ticked off that I hadn’t thought of this, but then I pondered what would happen if you got yourself too tipsy to make it to the bathroom, so you were staggering around in full Fire Hose Mode.  You would have no choice but to burn your house.

When everything was ready, Eddie wheeled me into the procedure room, where Andy was waiting with a nurse and an anesthesiologist.  I did not see the 17,000-foot tube, but I knew Andy had it hidden around there somewhere.  I was seriously nervous at this point.

Andy had me roll over on my left side, and the anesthesiologist began hooking something up to the needle in my hand.

There was music playing in the room, and I realized that the song was ‘Dancing Queen‘ by ABBA.  I remarked to Andy that, of all the songs that could be playing during this particular procedure, ‘Dancing Queen’ had to be the least appropriate.

‘You want me to turn it up?’ said Andy, from somewhere behind me.

‘Ha ha,’ I said.  And then it was time, the moment I had been dreading for more than a decade.  If you are squeamish, prepare yourself, because I am going to tell you, in explicit detail, exactly what it was like.

I have no idea.  Really.  I slept through it.  One moment, ABBA was yelling ‘Dancing Queen, feel the beat of the tambourine,’ and the next moment, I was back in the other room, waking up in a very mellow mood.

 Andy was looking down at me and asking me how I felt.  I felt excellent.  I felt even more excellent when Andy told me that It was all over, and that my colon had passed with flying colors. I have never been prouder of an internal organ.

Flu Shots with BCBSNC

BCBSNC is taking a stand against the flu this year with it’s Stick it To the Flu program that begins in October.

With the program, BCBSNC members can receive flu shots at no charge. Those who are not BSBCNC members can still get a low-cost flu shot for only $30 at designated worksites or physician’s clinics beginning October 1st.

If you are currently without healthcare coverage, you can get a rate on a BCBSNC health insurance policy on our main site. By customizing a health insurance plan designed around your needs, we can create design a package and a price that works for you and your family.

Experts say unemployed graduates should obtain insurance to avoid pre-existing condition denials.

USA Today (7/17, Walbaum) reports that an “an estimated 1-million” college alumni will be “dropped from their parents’ health insurance coverage upon graduating this year,” according to the National Association of Colleges and Employers (NACE); and “replacing that insurance is a problem for former college students because they’re often short on cash.” Although their best bet would be to “aim for the most affordable plan: health insurance through employers,” NACE data indicate that “more than 2.5-million recent college grads are unemployed.” Still, experts caution that graduates “shouldn’t join the ranks of the uninsured.” For one, something unpredictable “could plunge them deep into debt.” But also, if graduates wait too long to get health insurance, “insurers may deny coverage, especially if they’ve had any major medical issues within the past five years.”  Blue Advantage, the individual plan offered by Blue Cross and Blue Shield of North Carolina, currently allows dependent children to remain on their parent’s plan until the age of 26, regardless of student status.

To learn more about Blue Advantage and to get a free quote click here or call IBD Insurance Services at 800-615-5980.

Get Blue Advantage coverage faster than ever before!

Blue Cross and Blue Shield of North Carolina recently announced a major change in how fast Blue Advantage policies can be issued. Now, thanks to a proprietary automated underwriting system, Blue Advantage policies can be issued in as little as seven days! Blue Cross and Blue Shield of North Carolina’s new guidelines state that if an application is submitted by the 8th of any month, coverage can begin the 15th of the same month. If an application is submitted by the 22nd of any month, coverage can begin the first day of the following month. Blue Advantage applications must still be reviewed for eligibility and processing may take longer but effective dates are guaranteed when an application is submitted. Contact IBD Insurance  at 800-615-5980 to start your application process today.

Can I buy Blue Cross and Blue Shield insurance without a Social Security number?

YES!
We have had an rise in the number of clients recently that have been shopping for individual health insurance that have run into problems because they do not have a Social Security number. The knowledgeable staff at IBD Insurance Services understand this and have a solution to this problem.
Blue Cross and Blue Shield of North Carolina (BCBSNC) will offer health insurance to legal residents of North Carolina that medically qualify for coverage, even if they do not have a Social Security number. The individual must submit a paper application and complete a special residency verification form. Individuals without Social Security numbers cannot apply online. In addition to these forms, the individual must be able to provide one of the following documents to verify their legal residency:

  1. North Carolina Driver License
  2. North Carolina Tax Return
  3. North Carolina Voter Registration Card

If someone is enrolling in an individual Blue Advantage policy, they must have one of these documents. If someone is enrolling in a family Blue Advantage plan with a spouse, one of the two adults on the policy must be able to provide one of these documents. 
BCBSNC does not publish the paper application for Blue Advantage on their website. Individuals without a social security number need to contact IBD Insurance Services to get this form. Our polite staff can assist you with the necessary documentation to ensure that your application is reviewed by BCBSNC. Call us today at 800-615-5980 to get the process started.

Layoff versus Benefit Cuts

A recent article in the Denver Business Journal titled “Cutting benefits beats cutting jobs,” seems to be the sign of the times.  The majority of the group renewals that I have been doing over the past few months have been asking to cut benefits to save jobs and I am trying to help them do just that. 

One recent home builder called requesting to cut benefits specifically to try to keep all of his staff and to be able to keep a health insurance policy at all.  It is a small group of 7 and we all sat down together, discussed plans, options, costs associated and what sacrifices they were willing to make.  At the end of the process, we had a much less expensive policy, with more limited benefits, but it was health insurance.  They could still go to the doctor for $25 and get their prescriptions covered with copays. 

A few days later I ran into one of the employees and he actually thanked me.  It turns out they were fearful that they would not be able to find a plan to meet the budget of the company and they thought they would either be left without health coverage or without jobs.   I told him I was learning to be creative with benefits.  These tough financial times are causing us all to think in ways that we hadn’t before.

Can I still enroll in a Medicare Advantage plan?

Medicare Advantage plans, also known as Medicare Part C, have specific guidelines regarding enrollment. Basically, there are four instances when someone can enroll in a Medicare Advantage plan. They are as follows:

1.      Annual Election Period – November 15 to December 31 each year.

Individuals may enroll, disenroll, or change plans during this time and their changes will take effect January 1.

2.      Open Enrollment Period – January 1 to March 31 each year.

Individuals can make one plan change during this time period. Any changes made will take effect the first of the month following the date of the request. Individuals that have original Medicare and a Medicare Prescription Drug Plan can enroll in a Medicare Advantage Plan with Prescription Drug coverage during this time.

3.      Initial Coverage Election Period – This is for individuals that are new to Medicare. Individuals are eligible to sign up for a Medicare Advantage plan three months before Medicare begins, the month their Medicare takes effect, and up to three months after Medicare starts. Coverage cannot begin before Medicare takes effect.

4.      Special Enrollment Period – Individuals that have a life changing event (such as loss of coverage or a change of residence) may qualify to enroll in a Medicare Advantage plan outside of the above referenced time periods. The life changing event could create a Special Enrollment Period. The duration of the Special Enrollment Period varies based upon the unique situation.

 

IBD Insurance Services, Inc. will be hosting a free sales meeting to discuss one of North Carolina’s largest Medicare Advantage plans Tuesday, February 24, 2009. The meeting will commence at 10:00 and will be held at:

Lighthouse Convention Center
326 Tryon Road
Raleigh, NC  27603

Please attend to learn about Medicare Advantage plans from an experienced, licensed agent that will be happy to answer any questions you have.

Thank you for your comments!

IBD would like to thank our visitors for visiting our Blog and for making their comments!  Recently, we have made some changes to our blog and are just now getting the hang of writing articles and moderating the comments from our visitors. 

We encourage our guests to comment on our articles!  However, we do ask that comments be positive, applicable to our posts, and not advertisements for your products or services.