Is a Pregnancy in Your Future? Get Covered During Open Enrollment

get-covered-best-surprises-pregnancy-healthnet-open-enrollment-2017Thinking about getting pregnant in 2017? Call for more information on Open Enrollment 2017 now to ensure you and your baby have the medical care you’ll need for a healthy baby and safe delivery!

When you’re pregnant, you have to take extra special care of yourself. This “special care” includes getting in to see the doctor on a regular basis. This is the best way to ensure that you and your baby both stay healthy.

THE IMPORTANT FACTS: Open enrollment for 2017 is here! This is the time you can enroll in – or make a change to – your health coverage. Enroll by December 15, 2016, if you want new coverage to start January 1, 2017.

Individuals, families and small businesses may apply for coverage through the new health insurance marketplaces during open enrollment.

A Healthy Pregnancy with Health Net:

Check in with your doctor as soon as you think you might be pregnant. Stick to the scheduled plan of regular checkups throughout your pregnancy for both your baby’s health and a safe delivery. The regular doctor’s visits throughout the pregnancy are intended to give the doctor every opportunity to identify any potential issues early so they can be treated as quickly and efficiently as possible.

Once the baby has been successfully delivered, the doctor’s visits continue. New parents should take their baby in at least once more within 3-8 weeks. At this appointment, new parents are encouraged to talk to the doctor about how to care for new moms who may be experiencing elevated levels of sadness, postpartum depression, etc. There is help and your doctor can make sure you have what you need. These doctor’s visits make sure that you and your baby both get off to the best (and most healthy) start possible. Keeping your own health in mind is part of being the best mom you can be!

In fact, Health Net™ believes this so strongly that they offer 24/7 access to a maternity nurse until your baby is 6 weeks old! Talk to you local agent to find out how you can take advantage of Health Net™ coverage and benefits.

Making sure you have access to all the necessary care is much easier if you are on the appropriate Health Net™ plan, contact your 2017 Elite Health Net™ Agent at DeWitt Risk Management Consultants today to ask about Open Enrollment and how you can be covered by January 1st, 2017!

For more information about Health Net open enrollment or any other health insurance or life insurance needs, contact everybody’s favorite full service broker and health insurance specialist at DeWitt Risk Management Consultants, LLC.

It’s Time to Take Advantage of Open Enrollment 2017!


As a 2017 Elite Agent for HealthNet, DeWitt Risk Management assures you that taking advantage of Open Enrollment is the BEST way to make sure you are “covered” in 2017. In fact, acting now can put you ahead of the game when it comes to next year’s New Year’s resolutions to get healthy and take care of yourself. With the right health insurance coverage, you will be able to depend on an excellent network of doctors and healthcare providers so no matter what comes at you, you’re ready for it. As Health Net™ likes to say, “Whoever you are, whatever your health care needs – we are your Health Net™.”

THE IMPORTANT FACTS: Open enrollment for 2017 is here! This is the time you can enroll in – or make a change to – your health coverage. Enroll by December 15, 2016, if you want new coverage to start January 1, 2017.

Individuals, families and small businesses may apply for coverage through the new health insurance marketplaces during open enrollment.

Seeing a doctor regularly is one of the best ways to make sure that you stay healthy! And with Health Net™ you’ll find you have the opportunity, the information and the reminders you need to make that happen. With regular checkups and preventive care, your doctor will be able to find and treat problems early with a higher chance for successful treatment. Keep your own health in mind so you can be the best person you can be and live your best life!

For more information about Health Net open enrollment or any other health insurance or life insurance needs, contact everybody’s favorite full service broker and health insurance specialist at DeWitt Risk Management Consultants, LLC.

Should You Be Excited that It’s Time for Open Enrollment?


The short answer is YES, you should! If you just really enjoy long answers, if you have questions about exactly what “Open Enrollment” is or if you’re wondering why it affects you, then read on. Technically speaking, “open enrollment” in terms of today’s insurance industry refers to a time period each year when you can sign up for health insurance. They are officially “open” for enrollment during this designated time period. Those who want insurance, but don’t sign up during the open enrollment period, probably can’t sign up for health insurance until the next (annual) open enrollment period.

THE IMPORTANT FACTS: Open enrollment for 2017 is here! This is the time you can enroll in – or make a change to – your health coverage. Enroll by December 15, 2016, if you want new coverage to start January 1, 2017.

Individuals, families and small businesses may apply for coverage through the new health insurance marketplaces during open enrollment.

Individuals and Families: Enrollment Period, Enrollment Dates, and Effective Dates of Coverage

The annual enrollment period for individuals and families is November 1st through January 31st.

Individuals and families who enroll on or before December 17th will have coverage effective January 1st.

Individuals and families who enroll on or before January 31st will have coverage effective February 1st.

Small businesses: Small Business Health Options (SHOP)

SHOP is a new approach to offering health coverage that puts businesses in control of their own health insurance budget. At the same time, it allows employees to choose from a number of affordable, quality health plans from private insurance companies including Health Net.

Through Small Business Health Options (SHOP), businesses can also be eligible for tax credits that can be an effective offset to the cost of providing health insurance to employees. Once enrolled, the group’s coverage and premiums are “locked” in for a year. For 12 months, they will not change.

If you still have questions about open enrollment or if you need assistance getting enrolled before you miss your window, get in touch with your full service brokerage and health insurance specialists at DeWitt Risk Management Consultants, LLC today. As a 2017 Elite Agent with Health Net we can help you figure out exactly what you need and get it done as quickly as possible. Because you shouldn’t have to stress about it for even one more hour, much less one more day!

For more information about Health Net open enrollment or any other health insurance or life insurance needs, contact everybody’s favorite full service broker and health insurance specialist at DeWitt Risk Management Consultants, LLC.


Millennials Continue to Reject Obamacare In Favor of Tax Penalties?

millennials refusing obamacare dewitt riskThe media seems to find something new to say about the Millennials everyday. (And the general public seems to find the energy to chuckle at the new Millennial jokes everyday – even the Millennials themselves get a good laugh). The be honest, there are some really funny ones floating around out there. The memes and gifs can give you a stitch in your side. And the musical parodies are on par. (So much so that I can’t resist giving you a link to a recent favorite around here). If that doesn’t at least make you smile in exasperation, I don’t know what will. Then there are the bits and pieces of Millennial news that aren’t as funny; like the Obamacare issue.

Interesting fact: Younger people (those dang Millennials…yah, you know who you are) are still avoiding purchasing Affordable Care Act (ACA) compliant plans. In other words, Millennials are still rejecting Obamacare – seemingly in favor of the tax penalties.

What is Making Millennials Accept All Those Tax Penalties When They Could Just Sign Up for ACA Compliant Plans

This unexpected trend has been holding steady since the ACA passed. It was expected that the first people to enroll would be those who were in need of the most care – or the most immediate care. That, of course, went as planned. Yet in order for the program to work, the younger and healthier people would need to start signing up shortly thereafter. This step was a vital part of the overall success of the Act since it would balance out the costs.

Yet younger and healthier peeps (a.k.a. Millennials) simply aren’t enrolling as officials expected. (Way to do exactly the opposite of what people predicted in the belief that you’re bulletproof). Due to the lack of healthier, younger enrollees, healthcare insurance companies are experiencing financial losses.

Some may be tempted to chalk the refusal to comply up to a rebellious streak in this particular generation, but Millennials are actually citing cost and ignorance as the reasons behind their actions (or non-actions, in this case). This explanation is supported by the contradictory facts that while they aren’t willing to accept Obamacare, they are willing to pay tax penalties for not signing up! It’s like my grandmother’s favorite saying, “If you don’t have time to do it right the first time, how are you going to have time to do it over?” Except in this case, it’s in reference t money, “If you don’t have enough money to pay your insurance premium, how are you going to have enough money to pay the tax penalties?”

So basically…young, healthy people aren’t signing up for Obamacare because they can’t afford another “bill,” but in doing so they are willingly accepting the fact that they will be subject to tax penalties. There’s a pretty big hole in this logic – some would call it ignorance, but then, this stuff can be confusing. And it’s particularly confusing for this age bracket that has little to no basic health insurance knowledge. It’s really not shocking that it can be a struggle to understand what’s going on; to know which plan is the most financially beneficial.

To be fair, Millennials are participating in the healthcare initiative, but they’re far less than enthusiastic. The level of enthusiasm would be better described as grudging participation. Recent studies suggest that 62% of people feel their health insurance premiums are too high and that they can’t afford to pay them. 73% say their annual deductibles are too high. 27% of Millennials have no health insurance coverage and are currently opting to pay penalties instead.

Let’s consider a few of the major issues that make Millennials hate talk of the health insurance industry:
  • Fear of High Prices
  • Poor Health Insurance Literacy (What is a deductible? A premium? Coinsurance?)
  • Many, Confusing Choices
  • They Still Feel Bulletproof
  • Beliefs that Penalties Are Cheaper Than Coverage (While Penalties Continue to Increase)
At DeWitt Risk Management – we acknowledge that the struggle is real. But at the same time, (and we’re going to sound like your favorite, annoying teacher here) Millennials are our future. So we take the responsibility to explain complicated policies and terminology seriously. We can’t accept that America’s workforce is simply left at risk and unable to take care of their own healthcare and insurance needs. But then…that’s what we’re here for. It may surprise all the Millennials out there, but finding affordable care that is actually affordable for the young and healthy is really possible. And it’s our specialty.
In fact, we’ll just get right to the point of this entire discussion without further messing around – there is a solution to every “issue” listed above and the solution is DeWitt Risk Management. Get in touch. You don’t need to know everything about the healthcare and health insurance industries to get the best prices on the best coverage. That’s what we’re here for!

Healthiest You: 24 Access to Doctors and Prescriptions Without Leaving Home

Healthiest You FlyerWe’re all interested in saving time and money – especially when it comes to our healthcare. The newest and most exciting new option for anyone interested in doing either is Healthiest You. With Healthiest You members get a multitude of benefits.

Benefits of Healthiest You:

  • 24 hour, 7 days a week access to a nationwide network of doctors
  • Consultations by phone, email or Internet with US based, licensed medical doctors
  • Access to knowledgeable medical advice from anywhere – even at home
  • Quick and accurate answers to health and medical questions
  • Second opinions without additional office visits or fees
  • Measurable savings in both hours and dollars
  • An online wellness program personalized to keep you and your family healthy

How Does Healthiest You’s Telehealth Benefit Work?

Healthiest You’s Telehealth is one of the most popular benefits available. To use Healthiest You’s Telehealth benefit, members simply call the provided toll free number. They will be asked to provide their first and last name, their date of birth and home address in order for the customer service representative to locate the account. Members can use Telehealth to connect with a medical professional. Many medical needs, online prescription needs, and general health questions can be addressed through the Telehealth service.

Healthiest You Telehealth Service Recommendations:

“Healthiest You is the most convenient service I have ever run across in the health and wellness industry. I can get my girls the prescription antibiotics they need for periodic ear infections without visiting a waiting room full of sick kids. In fact, I don’t have to get them out of bed at all.”     – Paisley, Healthiest You member

“I joined Healthiest You as a backup for my medical coverage. Within the first month we started turning to the Telehealth line first before making an appointment at our doctor’s office. Throughout the last few months, it has saved us so much time and money. It is by far the best use of your money if you are trying to stay ‘covered’ on a tight budget or a fixed schedule.” – Daniel, Healthiest You member

For more information on how to stop throwing money away on copays and wasting your time sitting in doctor’s office waiting rooms, get in touch with DeWitt Risk Management today at 480-969-0202 or We’ve got the answers you’re looking for and the experience to make sure you get exactly what you need.

Long Term Care Awareness Month

November is Long Term Care awareness month so we wanted to make sure you were aware of the benefits and necessity of this particular coverage.Long-Term Care Insurance Policy

We will offer ideas and suggestions on how you can maximize your insurance coverage regularly here on the DeWitt Risk Management Blog. 

Before we begin our discussion of what Long Term Care is and what it does to protect you, consider a couple statistics:

1. 73% of people would have no idea how to respond if they received a phone call today notifying them that they had a family member who would require immediate long term care assistance.

2. 78% of people indicate they would find discussing long term care with a financial professional helpful, but only 16% of people have had the desired conversation.

Where do you fall within the above statistics? Have you received that phone call yet? Have you considered your options if you were to receive such a call? Have you thought about discussing the matter with a financial professional? Have you actually broached the topic with your insurance broker? Stop waiting around for the situation to come at you when you’re unprepared. Take action now by putting a plan in place.

The rising costs of long term care make having a plan more important than ever before. In many instances, it is the difference between financial ruin and continued financial stability. If you haven’t yet considered your retirement needs, now is the time. If you have considered your retirement needs, but either weren’t aware of Long Term Care coverages or felt it was unnecessary, reconsider the facts.

According to the SCAN Foundation on the State of Long-Term Care Financing:

  • 70% of Americans who reach age 65 will eventually need long term care, but there are very few who are prepared to pay long term care costs.
  • Families bear a huge part of the burden; providing approximately $450 billion in unpaid caregiving and $63 billion in out of pocket costs.

Experts indicate that while it is never easy to think about these particular issues, both the need and the cost for long term care continues to rise. Planning ahead is critical to ensure that you get the care you need when the time arises. Advancements in medical science and technology have increased the average American’s life expectancy drastically. According to experts in the industry, 10,000 baby boomers will turn 65 every single day over the next 20 years. As the average American continues to live longer, millions will receive or provide long term care at one point or another during their life. Most assume that when the need for long term care arises, they will be able to rely on the government to foot the bill or at least provide for a substantial portion of their needs. Many others assume that they can rely on their immediate family members to provide needed care of pay for the care when necessary. At the same time, people in general are now more afraid of burdening their family financially than they are of dying (according to a 2010 Harris Interactive survey from Age Wave).

With all this concern and worry running rampant amongst the general populace, it might be safe to assume that most have come up with a solution – they have a plan. This is where the issue gets interesting. Most don’t have a real plan. They have assumptions and guesses; which in most cases aren’t actually going to end up covering their long term care needs as they might expect. The best recommendation from experts on the topic is to have a written plan and to share that written plan with loved ones. Actually coming up with a plan for your own long term care definitely comes across as a formidable task, but it can be done and doing so will greatly alleviate a lot of worry that you don’t even realize you have regarding the issue.

When coming up with your own long term care written plan there are three key considerations:

  • How you want to receive care.
  • Where you want to receive care.
  • Who you want to provide the care.

Understand that the cost of care is changing and when we say it’s changing, we mean that it’s only getting more expensive. Begin by evaluating the cost of care where you intend on living. (For those interested in helpful tools accessible by smartphone, consider free mobile apps from Genworth available for iPhone and iPad). It’s also important to consider that planning for long term care overlaps with retirement planning. Cost of care is increasing. The annual median rate for a private room in a nursing home at $83,950. When these costs are considered it becomes obvious how easily your very well thought out retirement plan could be thrown off track or even completely depleted in response to an unplanned long term care need that crops up in your golden years.

It’s never too early to get started. It’s the rule of thumb for any savings or investment strategy and it applies just as easily to planning for long term care with appropriate protection. The younger you are when you purchase long term care insurance, the lower your costs will be in most situations. As such, the age at which people are purchasing long term care coverage has dropped notably over the last 2 decades.

In response to these facts, long term care insurances have been evolving to meet the increased interest and growing need. Major providers are now emphasizing a more individualized approach which often allows consumers to increase or decrease coverages in specific areas according to their own needs, expectations and available budget.

Long term care insurance can make a huge difference in the success of your overall retirement plan, and providers are there to help families manage what many see as one of life’s most daunting challenges. From insurance and public programs, private family support, self funding or even a combination of these, there are many options to consider as part of your retirement strategy.

We all know that knowledge is power. Know your options. Know the facts. And take advantage of the tools at your disposal. Call your broker here at DeWitt Risk Management today to discuss the long term care coverage options so you can make an informed decision and put together your own written plan.

DeWitt Risk Management Offers United Healthcare Medicare Plans

One of the most advantageous individual and group retiree solutions can be found with United Healthcare. As your Arizona Group Benefits and Individual Product Specialists, DeWitt Risk Care Management is available to discuss the pros and cons for you, your family or your group.

Your Medicare Advantage HMO and PPO Plans:

Offer your Medicare-eligible retirees medical and prescription drug coverage all in one plan with United Healthcare’s line of Medicare Advantage plans.

What are the benefits of Medicare Advantage plans? UnitedHealthcare’s Medicare Advantage plans provide

  1. Value
  2. Flexibility
  3. and Choice

It’s a solution designed to meet the needs of your company and your retirees by delivering:

  • Competitive premiums: Lower premiums with equivalent benefits
  • Extra benefits: End your reliance on the RDS program with optional benefits
  • Coverage options: More than 150 coverages to choose from
  • Plan availability: Local plans in 38 states as well as regional and national plans
  • Reduced financial risk: Fully insured premiums for better cost management

Medicare Advantage plans often offer more competitive premiums for equivalent benefit design, in comparison to traditional retiree plans. You may be able to end your reliance on the RDS program simply by adding Part D benefits to your plan. Optional benefits include Medicare Part D prescription drug coverage and rider options for additional vision, dental and chiropractic coverage. More than 150 standard integrated medical and prescription drug plan options, plus custom designs available for larger groups. Local plans available in over 70 markets across 38 states; regional and national plans, too. Fully insured premiums may allow employers/plan sponsors to manage and predict costs more effectively.

What are HMO and PPO? Health Maintenance Organizations (HMOs) and Preferred Provider Organizations (PPO) plans are types of network-based plans. Here’s how they differ:

  • HMO Plans: Provide coverage for plan members through a network of locally contracted doctors and hospitals. These plans generally do not provide coverage outside the network of contracted providers, except in the case of an emergency.
  • Regional PPO Plans: Let plan members choose between in-network and out-of-network providers. These plans cover all medically-necessary covered benefits, in network or not. But services received outside the network will generally cost more.
  • National PPO Plans: Provide even greater flexibility to plan members by keeping the member’s cost sharing the same no matter if they use in-network or out-of-network providers. These plans are designed as one alternative to Group PFFS plans, which are no longer offered by UnitedHealthcare as a result of changes to federal regulations.

Are you looking for a lower-or even zero cost option? If you want to offer your retirees a Medicare Advantage plan, but want a low or zero premium with little to no program administration, you may want to consider endorsing one of our individual plans or our  Endorsed Group Medicare Advantage plans.

How many plans can I choose from? With nearly 70 standard combined medical and prescription drug  plan designs to choose from, it’s likely you will find one that suits your company’s needs. If not, we can create a custom plan for your group.

How do these plans benefit retirees? The UnitedHealthcare Medicare Advantage plans offer retirees more value and service than Original Medicare. For example, retirees receive:

  • The convenience of a single plan for their Medicare coverage
  • More benefits than Original Medicare Part A and Part B
  • Built-in Medicare Part D Prescription Drug coverage (optional)
  • Additional coverage for routine vision, hearing, dental and chiropractic care

Additional programs & services: Most UnitedHealthcare Medicare Advantage plans also offer valuable features and benefits, for example: fitness, wellness, disease management and caregiver support programs. These can be accessed at no cost.

Get a personalized quote: Learn more about the UnitedHealthcare Medicare Advantage plans and ask for a quote. Get in touch with DeWitt Risk Management today. Call to discuss details at 480-969-0202.