Making the Local News!
Quick post to spread the word and thank Jenny Chen for using my Quotes!
Here is her Article the Town Courier which is a local publication for residents in Gaithersburg and Kentlands area of Maryland.
Types of Life Insurance
Comrade Financial Group wants you to understand the different types of Life Insurance.
About our Insurance Agency
We put together a quick video telling the world a little bit about why we started, what we do and why we do it. Enjoy and share with your friends. Thanks
Health Insurance Options
Comrade Financial Group put together this brief video going over changes for Health Insurance under the Affordable Care Act for residents in Maryland, DC and Virginia.
Open Enrollment Confusion
Most people are unaware that yes Obamacare or Affordable Care Act open enrollment starts on October 1st with effective dates of Jan 1, 2012. That is for individuals and family plans. The Small Business open enrollment will start Jan 1,2014 with effective date of Mar 31, 2012. The majority of the people still don’t have a clue about their current plans and if they will continue through that start of ACA implementation. If your current plan was in place prior to Mar 1, 2010 your plan could be grandfathered but please check to see if the benefit level is increasing to match the new required Essential Health Benefits. If not, then your plan is on the old system of doing things. Please check with a knowledgable broker on the subject if you are unclear.
Annuity Carriers
Great video about one of my carriers North American. Annuity 123 breaks down all of the aspects about the company. As an Independent Broker companies like North American are indispensable to my and my Agency.
Subscribe to my channel and like and share my videos. Thanks!
The Co Insurance Question?
Co Insurance
Every day I speak to people about their Health Insurance. They rarely know what their Deductible is, and almost always they do not have a clue what their Co Insurance is. This is a major problem because having the wrong Co Insurance could make you liable for a whole lot of charges. Comrade Financial Group will always recommend a 0% Co Insurance for all plans we offer Individuals and Families.
What is Co Insurance?
Your Co Insurance is above and beyond what you would pay after your deductible is met. So you tell me that you have a $1500.00 deductible! That is great, but your co insurance is 20%. So lets just say that you incur medical bills in the amount of $15K. You would pay your deductible of $1500, then 20% of the remaining $13,500. Some carriers don’t have Co insurance lower than 40%!
Make sure that your Health Insurance plan has a 0% Co Insurance!
Jack Fleming – Insurance Broker
