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.

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

get-covered-its-the-smart-thing-to-do-healthnet-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.

Important Notice Regarding Pre-Tax Health Insurance (Section 125)

Zane Benefits logoLast year, Zane Benefits introduced a pilot program utilizing the pre-tax health insurance concept (originally referred to as the “Pre-tax Premium Payment (PPP)” program). The PPP program provided the opportunity for employers to set up a Section 125 cafeteria plan that allowed employees to set aside a portion of their paycheck voluntarily. The money set aside would be used to pay for individual health insurance premiums using pre-tax dollars.

Recently, the Department of Labor issued guidance on the Affordable Care Act. The release included a discussion of Section 125 cafeteria plans and individual health insurance. As a result of this new federal guidance, Zane Benefits will no longer be promoting the pre-tax health insurance program.

Any DeWitt Risk Management groups who wish to continue to allow employees to take advantage of the section 125 cafeteria plan for individual health insurance premium, are encouraged to consult with their legal counsel.

We will continue to work with providers intent on exploring other affordable insurance options for employees of small employers that do not provide group health insurance.  Please get in touch with your group benefits specialist at DeWitt Risk Management with any questions or to discuss alternate options for your group or company.

Complicated Health Care Landscape Doesn’t Necessarily Mean More Complications for You

life insurance solutions family happy in hammockEveryone has heard the talk about recent and upcoming health care reform changes. Many insist that the health care landscape will never be the same. Some applaud the changes and others seem to live in fear of the next announcement. What does this have to do with you? The majority of business owners providing Group Benefits Plans as well as the individuals who have taken care to access Individual Plans taking care of their health insurance, dental/vision coverage needs will answer immediately. They firmly believe that the changing health care landscape is not only making health care more complicated, but making THEIR life more complicated at the same time.

At DeWitt Risk Management we disagree. While changes to something so vital to so many as health care can lead to complications, those complications don’t have to be YOURS. We believe that the health care reform has only made the Broker role more critical than ever. You don’t have to figure out how to navigate and interpret pending and currently in force government mandates regarding health care and insurance coverage/s because we are here to do that for you. We are your broker…your interpreter…AND your navigator. We won’t let any recent or upcoming changes negatively affect you, your family or your company. With an expert on your side, the recent and upcoming government health care mandates don’t have to throw you into a doom & gloom era. Regardless of how you feel personally about recent and upcoming changes to the health care industry, keep an expert from DeWitt Risk Management on your side and you’ll know that you are in the best possible position for yourself, your family and your business.

DeWitt Risk Management specializes in finding personalized, unique solutions for Group Benefits Programs. We also provide extensive services to business owners looking for protection for what they have worked so hard to build. Related services include: Implementation of Buy/Sell Solutions, Financial Arrangements, Key Man Protection Policies, etc. If there is something you consistently worry about regarding your company’s future success and stability, get in touch. We will be able to outline potential solutions. If there is nothing you consistently worry about regarding your company’s future success and stability, get in touch. We know a few things about preventing financial crises before they loom on the horizon. Many of our clients think of us as their off site Human Resources Department. We provide varying levels of hands on involvement depending upon what you need and what you request. We do the research and due diligence. You don’t need to be an insurance benefits expert because you’ll always have one at your disposal here at DeWitt Risk Management Consultants.

Our Individual Product Specialists can assist with Medical, Dental, Vision, Disability, Short Term Medical, Long Term Care, Retirement Planning, Life Insurance Products including the possibility of “Becoming Your Own Banker”™ and Creating a Legacy for your Posterity. At DeWitt Risk Management we don’t just sell insurance. We create relationships with our clients and stay on top of industry news and recently released plan options so that we can honestly advise you regarding what you need for your lifestyle, your budget…your family. Our individualized solutions are hand picked to suit your needs; not the needs of your Broker or the insurance provider/s.