Sales of Alternative Healthcare Policies Double from Last Year

Jerry Arkin, the founder of Affordable Health Care Alternatives, an insurance agency based out of Clarksville, Tennessee has been a health and life insurance agent for 16 years. Along with critical illness plans, he sells other products to those businesses who do not offer health insurance.

His sales have doubled from last year. Why? The main reason he says is because of the sticker shock people went through when they saw how much the Obamacare policies were going to cost them. A lot of people have told him that they are self-insuring and not going onto the exchanges and that they aren’t afraid of the penalty because the IRS can’t go after you.

The fact is, while the IRS can deduct the PPACA penalty from an individual’s tax refund, if they aren’t due a refund, the agency doesn’t have the usual levers to force people to pay the penalty. The IRS can’t charge interest on the penalties or file public liens on property.

Most of Jerry’s clients also allow him access to their workers because even though employers might not be able to provide major medical insurance to their employees, they still want them to have access to supplemental plans.

For instance, something that is much more meaningful to an employee than an exchange-based plan is the fact that they can get $50,000 in cash if they have a heart attack or get cancer for just $30 a month with a supplemental plan. They can always enroll in an exchange-based plan next year.

Jerry says that another issue is the out-of-network coverage prohibition with exchange-based plans. Unlike the policy holders with these plans who have limited options and no choice in physician, a supplemental policy holder receives cash so that they have the ability to choose their own doctors.

The worst part of the exchange-based plans is although they have included maternity care as one of their “essential benefits”, cancer and heart attack specialists have been stripped out of the plans because of expense. Through critical illness health plans that pay $50,000 in cash, people would get the specialized care they desperately need.

There are many other plans available, such as a large sum critical illness plan that is attached to a $250,000 life insurance policy. There are also for-profit clinics that provide discounts if people pay in cash.

The bottom line, Jerry explains, is that he is selling policies that create good consumerism. What does he mean by that? “Now that consumers are receiving cash to pay for their medical bills, they are going to be more aware of expenses. They’re not going to allow the hospital to charge them $70 for a bottle of water.”

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The Basics of Vinyl Siding for Your Home

Exterior Remodeling

Most homes are built with either masonry (bricks, concrete blocks) or siding material installed over wood framed construction. In all cases, the design and materials for the sides of a home are there for both decoration and protection from the elements. This article talks about vinyl siding for homes with framed construction. Popular home siding materials have varied over time and include wood siding, asbestos siding, aluminum siding, vinyl siding, hardboard composite, and cement fiber siding. In this brief tutorial, we’re going to go into some details about vinyl siding, which has gained in popularity due to its relative low cost, durability and ease of installation. We’ll also touch on the impact of new siding in increasing your home’s resale value. Learn more tips on renovating your home at Home renovations in Melbourne.

Vinyl siding is made of synthetic materials, mostly polyvinyl chloride. This is what the abbreviation PVC stands for. About 80 percent of its weight is PVC resin, and the remaining 20 percent is composed of other ingredients that determine its color, sheen, resistance, flexibility, and it’s durability. The thickness of vinyl siding can vary from.40 mil in less expensive grades, often called “Builder’s Grade” to product as thick as.52 mil in the higher “Premium Grade” products. The premium grades of vinyl siding are more ‘pure’ PVC without recycled, ground up scraps and binders. Additionally, they have better color retention because they have UV protection added to help lessen the effect of the sun’s rays over time.

That’s one reason why you see so many vinyl siding options in pale colors. In order to maintain a deeper color palate, the siding must be a premium grade with la layer of UV protection to keep it from losing that color in short order. And with the premium grades of vinyl siding, the thickness and consistency of the product makes it less likely to crack in very cold weather when it is struck or bumped by a hard object, like a kid’s baseball. As with most products, you get what you pay for, so you need to weigh out your options based on what you intend to do with your home. Are you improving the façade so you can sell the house quickly, or are you intending to live there for many years? And are you expecting energy savings from this project? Whatever grade of vinyl you eventually choose for your home, we recommend that you do so with these factors in mind.

Without a doubt, Installation is key to a successful project. Do you know your Contractor? Are they licensed in your state? And are they bonded and insured and able to show you documentation? Check them out on Angie’s List or with the Better Business Bureau. Ask about warranties, and always get a written estimate.

Replacing your home’s siding with high grade vinyl can improve its curb appeal, and simultaneously increase its resale value. There’s an excellent, unbiased report called Cost VS Value Report that’s published by Remodeler Magazine each year that compiles data on how dozens of home renovation projects affect the subsequent resale of homes. High grade Vinyl Siding ranks high, probably because it improves energy efficiency and the curb appeal of a home at a relatively low cost. Only Fiber Cement Siding scores higher in improved home equity among siding replacement projects.

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