Confused, Bewildered, Perplexed and Unsure about your Health Insurance Options? Includes the New Health Insurance Marketplaces
Looking for a resource guide that helps you navigate the maze of health care choices available to you? Want a clear and concise book which answers all your questions? It's not the answers you already know, it's the questions you don't even know to ask!
Questions you might be thinking about? - What does the Affordable Care Act change?
- What are the Health Insurance Marketplaces?
- What does Bronze, Silver, Gold and Platinum mean?
- Am I eligible for premium tax credits or cost-sharing reductions?
- Should I contribute to an FSA?
- What are the penalties for not enrolling for health insurance?
- What is concierge medicine?
- How do I contribute to an HSA?
- What are the costs for original Medicare?
- What's the difference between a Med Supp plan and a Medicare Advantage plan?
- What's a Medigap plan?
- Are there tax credits for small business owners?
- What's a donut hole?
- What is the MIB?
- What options do I have for long-term care?
- Can I qualify for Medicaid?
Click the book cover to "Look Inside" to read the first 10% of the book free.
Who might benefit from the information and tools contained in this book? - You're going to be turning age 65 in 2014.
- You're a small business owner figuring out if you can offer health insurance to your employees.
- You want a comprehensive resource guide covering the new Health Insurance Marketplaces and the plans offered.
- You're a healthcare professional who wants to learn more about the choices consumers have for their healthcare needs.
Retirement Planning and Medicare Healthcare expenses can torpedo your retirement savings if these costs are not properly taken into account. Thinking that portfolio returns will exceed your potential health care expenses should extensive medical care be needed is ignoring financial market reality.
Additional information is included covering: - Cost of Health Care
- Disability Income Insurance
- Choices for Long-Term Care
- Medicaid
- The Future of Health Care
About the Author: Stephen J. Stellhorn is the founder of MSM Capital Management, LLC (MSM). His financial services career spans over twenty-five years in banking, investments and insurance. He has held positions in retail and institutional bond sales, fixed income portfolio management, U.S. Government bond trading, bank balance sheet management, brokerage branch sales management and insurance and financial planning.
The retirement model in the 21st century will be designed by collaborating with clients to assist them in developing a blueprint for understanding and efficiently utilizing their personal capital. When optimized, these capital sources; human, social and financial work synergistically to create a floor of income to offset "essential" expenses no matter what market conditions exist. This holistic approach to longevity planning is vastly different from traditional investment planning.
He holds the Retirement Management Analyst (RMA) designation through the Retirement Income Industry Association (RIIA), of which he is an individual member. He has passed the FINRA and MSRB securities exams for the Series 7, 8, 24, 4, 27, 55, 63 and 65, and the Series 52 and 53. In addition, he has passed the State of Florida 2-15 insurance exam and is a Florida licensed insurance agent.
Stellhorn completed the Retirement Management Analyst Program at Boston University's Center for Professional Education. He also completed and received a Certificate in Financial Planning from Kaplan University. He is a graduate of The Florida State University; earning dual Bachelor of Science degrees in International Business and Biological Science. Stellhorn is a member of the fraternity of Phi Gamma Delta.
Past firms he has been associated with include Waddell & Reed Financial Advisors, AXA Advisors, LLC, Charles Schwab & Co., ABN AMRO North America, European American Bank (EAB), NCNB, Pan American Bank, Mabon Nugent & Co. and Southeast Bank.
