November 1st – Time For Health Insurance Season!

November 1st – Time For Health Insurance Season!

November First, Health Insurance Season!

We have updated our website for Open Enrollment! This year RC Website Group executed a COMPLETE OVERHAUL! The new site will be up around lunchtime on Monday. Our full yearly newsletter is below, but for those just looking to quote now, Get Quotes Now!
 For our Clients who have Medicare, our brand-new Medicare webpage is full of valuable information as well as self-service quoting tools (you call us, we won’t call you unless you want us to), presented in an easy-to-follow format. Here’s the short cut: https://www.doitformemedicare.com

For our Clients who are in need of Health Insurance, help with Pennie, GetcoveredNJ, MarylandHealthConnection, or Healthcare.gov, we sought to create a unique Health Insurance shopping and renewing experience. Here are our quick links:

This time of year can get hectic, but we are here to help. To organize phone appointments this year we are using the services of Calendly. You can select a time to have a phone or virtual consultation with Joe or Robyn to discuss your 2022 options for Health Insurance.
Book An Appointment!
The American Rescue Plan Act expanded financial assistance for millions more Americans this year, but will it continue into 2022? Most of our customers are going to see that prices appear to be going up again this open enrollment, while the income threshold to qualify will continue to remain high. This means that many will continue to qualify for subsidies/financial assistance, although the prices may not be as generous.

For example, the majority of our clients reside in the Greater Philadelphia area and are insured with Independence Blue Cross. IBX will be introducing new Bronze plans as well as more Silver plans to help mange monthly cost. 

Pennsylvanians will be entering into their second open enrollment with the state-based health insurance marketplace known as Pennie. Most of our Pennie clients can already see what the new price is and changing can be made relatively easy, but of course we can help facilitate that at no cost to you for service! Complimenting new plan options in PA, come new carriers as well. Cigna will be entering the Individual Under-65 Afforable Care Act market for Plan Year 2022, and other carriers like Ambetter and Oscar are continuing their PA expansions. This includes new counties and also new hospital networks!

Pennie Open Enrollment is November 1st to January 15th!

For our clients across the bridge in New Jersey, a brand-new carrier is coming to your state, and that is Ambetter from Wellcare! NJ will continue to provide it’s state subsidies in addition to the federal subsidies, all through their state based health insurance marketplace GetCoveredNJ, now heading into its second open enrollment!

GetCoveredNJ’s Open Enrollment is November 1st to January 31st

For our Maryland Health Connection clients and our clients still using the Federally Facilitated Marketplace known as Healthcare.gov, you will find many new plan and carrier options as well. The biggest news of Open Enrollment 2022 is that Aetna is returning the ACA market, and United Healthcare is expanding it’s footprint in a huge way! UHC did return for the 2021 open enrollment, however their options were few. For 2022 the nation’s top health insurer is returning to some key markets like Florida and Texas and offering competitively-priced options with great network access! Please note, UHC and Aetna will not be in PA, NJ, DE, and many other states for plan year 2022, but they have future plans to continue expansion 

Maryland Health Connection and Healthcare.gov’s Open Enrollment is November 1st to January 31st!

If you are not one of our clients already, here is a video explaining how you can work with us!

Click Here For Video On How To Add Us As Your Broker for PA and NJ!
Do It For Me Insurance offers Life Insurance options through dozens of companies. Here is only one of our many options. The company is Bestow (owned by North American) and they have a streamlined approach to quoting and enrolling in Life Insurance, and without the medical exam (nurse visit to your home). 
If you are healthy but sick of paying for stacked plans that include services you never use, we are here to help you decide if a less-expensive option serves your needs.

Please be careful of the junk “health plans” being sold by mass-telemarketers, cleverly disguised as health insurance. Read the fine print. “Health Plans” are NOT INSURANCE and will not catch you if you fall.  Protect your income and assets with insurance which includes a STOP LOSS.

The maximum length of Short Term Medical in PA remains approx. 12 months (360 Days). Click here to quote and enroll!

Short Term Medical requires that you answer medical questions, but this is the only “Obamacare alternative” that protects your income and assets with an out of pocket maximum or “stop loss”. Pair it with UHC’s Health Protector Guard for a more comprehensive plan! Quote UHC Options Now (I recommend a higher deductible Short Term with a Health Protector Guard option that fits your budget).

We still have health insurance available through a few local and national associations, so for those not eligible for the subsidy and in good health – there are more options!  
In most states it is very hard to compete with the value of the local Blue Cross, and in most states we have access to the local Blue!

Ambetter, Oscar, Bright Health, Cigna, Anthem Blue, United Healthcare and Molina are continuing to expand nationwide and are offering competitive options in existing and new markets. Do it For Me Insurance assists consumers in many states, so feel free to shop all offerings right on our website. 
If you or someone you know needs a Medicare Advantage or Part D Prescription Drug Plan click here!

During this busy time of year we will make every effort to return your call within 24 hours! Joe checks his e-mail around the clock, and you may get a quicker response if you email him at:
[email protected] or text 267-374-0975.

DoitForMeInsurance and Joe Covell also handles your Dental, Vision, Life, Home, Auto, Group Health, and Business Insurance Needs! Shop everything on our website! 

Click Here for a FREE No-Obligation Home/Auto Quote!
There are 76 days for most states (beginning Nov 1) to find the best 2022 health insurance plan for you and your family! If you still need 2021 coverage you may be able to get it with a Qualified Life Event. Short-term options are available and can begin as soon as tomorrow. Click Here for affordable short-term plans. 
Contact us today to explore all your insurance options, or to book your November phone/zoom appointment. Enrollments can be done over the phone, e-mail, text, or if you prefer to do on your own, you can select “Jospeh Covell” (National Producer Number 16623825) as your broker on Pennie.com, Getcovered.nj.gov, marylandhealthconnection.gov, or by inputting his NPN on Healthcare.gov, so we can assist you year-round. Office appointments are available upon request.  Our office is COVID-19 complaint with all CDC safety precautions. We are a certified Independence Blue Cross #SafeEnrollmentSpace for both the Over and Under-65 communities!  Please email [email protected] or call/text 267-374-0975. If we don’t answer, please text or voice message your name and contact information. You are important to us.
We Handle All Forms of Insurance (Home and Auto only PA, NJ, and MD). Visit our brand-new site for state-of-the-art quoting tools, our blog of past newsletters, and much more information!
Independence Blue Cross (Philadelphia, PA Region) recommends an accident, critical illness, or hospital plan to expand your coverage. These are plans that PAY YOU directly (or the provider) when unforeseen events occur, similar to Aflac (we offer them too) but endorsed by Independence Blue Cross. For example, it would help with lost wages while out of work.  These plans are offered through Lifesecure and are available in most states. Click our easy to use link for more details and pricing

Warning:  This is NOT HEALTH INSURANCE, it is an indemnity plan meant to fill gaps that currently exist within health insurance.
We are certified for: Pennie.com (PA), GetCoveredNJ (NJ), Maryland Health Connection (MD), and many Healthcare.gov states. If you currently have an account and want to designate us as your broker (if we aren’t already tied to you), here is how you can do so, at no cost to you what so ever!
Joe and Robyn are sincerely grateful for your continued support of our small business. 

Joseph L. Covell
PA, NJ, DE, MD, FL, MI, GA, SC, VA, OH, TX, and most other states Licensed Health, Life, Disability, Property, and Casualty Insurance Broker
Custom Benefit Plans, Inc.
Source Insurance Group
www.doitformeinsurance.com (formerly www.myobamacarebroker.com / www.mytrumpcarebroker.com)
Cell: 267-374-0975
Fax: 215-830-0908 (attention: Joe Covell)
E-mail: [email protected]

Robyn Barto
Licensed Health and Life Insurance Broker
Cell: 267-885-8823 (no voicemail, text a message)
Fax: 215-830-0908 (attention: Robyn Barto)E-mail: [email protected]
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