Tuesday, July 28, 2015

Obamacare vs. Affordable Care Act

When you ask people on the street a question aboutObamacare versus the Affordable Care Act the answer reveals that many people are adamantly against Obamacare but are for the Affordable Care Act - yet, they're one and the same thing. For years now, we've been bombarded with conflicting information, promises, opinions, legal challenges, and more, and the verdict is still out. Whether you're for Obamacare, against it, or still confused about what it really is, turmoil in the marketplace will continue for years to come.
Here's what we know for sure:
You have to enroll in a qualified health insurance plan or pay a penalty
Unless you qualify for subsidies, and even if you do, you'll likely have higher than expected out-of-pocket expenses.
Health insurance was supposed to get better, and cheaper, right? Perhaps for some, but it looks as if employees are feeling the burden. According to Aflac's 2015 Workforces Report, companies are continuing to shift the cost of healthcare to employees: 
31 percent increased employee's' share of their premiums
30 percent increased copay amounts 
21 percent switched to high deductible plans with HSAs 
Some even dropped coverage for partners and spouses.
These figures translate into more out-of-pocket costs for employees. If you're feeling the burden, it may be time to look at alternative solutions. Changing plan types may not provide enough financial protection. Regardless of what type of coverage you are interested in, individual or company sponsored there are somethings you can do right now to protect yourself financially.
Many people can't afford the Gold and Silver plans for their families, opting instead for high deductible Bronze plans in order to keep their premiums affordable. What happens when they get sick or injured? Their insurance won't kick in until their deductible has been met.
With an average 2015 deductible for a family enrolled in a Bronze plan being $10,545, the Affordable Care Plan is far from affordable. This leaves many in a very uncomfortable financial
situation. One solution may be a pre-tax health care saving plan. The plan can divert monies pre-tax into a savings account that can be used to pay health care cost. Talk to your company's human resources department to see if they can set it up for you. If not go to a qualified CPA to set one up.
The key here is preparation be prepared to cover the out of pocket cost when injury or accidents happen.
Aflac Agent, Decherd specializes in matching small business owners and their employees with supplemental Insurance from Aflac. Aflac provide financial recourse when injury or sickness stricks. http://www.davidmarkdecherd.com
Article Source: http://EzineArticles.com/?expert=David_Mark_Decherd

By David Mark Decherd

Sunday, July 19, 2015

David Mark Decherd Wins Aflac's Fast Start Award

Sales award

Aflac Agent David Mark Decherd Wins Aflac's Fast Start Award
David Mark Decherd, a Florida life insurance agent, was recently awarded Aflac's Fast Start Award. This award is issued to sales associates for outstanding sales performance.

"Having joined Aflac in early 2015, I'm humbled to have received this award so quickly," Decherd said. "My clients have found Aflac's supplemental health and life insurance products to be particularly attractive and flexible."

Aflac's insurance products provide cash benefits directly to policyholders — in many cases within one business day.

"My clients appreciate the peace of mind these supplement policies bring," Decherd explained. "If you get sick, injured, or suffer short-term disability, Aflac pays quickly, allowing you to focus on getting better, not hassling with an insurance company."

Saturday, July 11, 2015

David Mark Decherd Aflac Insurance Agent

David Mark Decherd Aflac Insurance Agent

 Florida Insurance License

Florida Businessman Earns Florida Insurance License
David Mark Decherd, longtime Florida business professional, was recently awarded his Resident Insurance License from the Florida Department of Financial Services. Under this license (license #W243138), Decherd is licensed to sell life insurance, including variable annuity and health insurance, in the state of Florida.

"I've been preparing for this career move for years," Decherd said. "I've always been a consumer's advocate and am committed to helping individuals select insurance products that best meet their needs."

Since receiving his Florida insurance license in February, Decherd has joined Aflac — quickly winning its "Fast Track" sales performance award.

"I hit the ground running," he said. "Having run my own business for years, I know the challenges small business owners face. Aflac's insurance products fill a real need in the marketplace and I'm thrilled to be able to share them with other business professionals."

Tuesday, July 7, 2015

David Mark Decherd Joins Aflac

Aflac Appointment

David Mark Decherd Joins Aflac and a Licensed Health and Life Insurance Agent
David Mark Decherd, a licensed insurance agent, recently signed on with Aflac. As an Aflac agent and licensed by the Florida Department of Financial Services, Decherd specializes in matching small business owners and their employees with supplemental life and health insurance products.

"There's still so much uncertainty in the marketplace," Decherd said. "Aflac products are attractive for several reasons. Not only do they bring peace of mind, they do so at an affordable cost."

Aflac sells supplemental life and health insurance products such as: life insurance, annuities, cancer plans, medical and sickness riders, fixed benefit dental and vision care, hospital indemnity plans, accident and injury plans, and more.