Special to The Laker / Lutz News
John Tolson, owner of Tolson Insurance, has been in the insurance business for 25 years. He has seen a lot of changes over the years but none as complicated and confusing as those caused by Obama Care.
The government wants everyone to be able to afford health coverage. They’re even willing to subsidize the insurance premiums for people with lower incomes. People with minimum wage jobs and no employer-provided health care can now afford health insurance.
Obama Care has also removed one of the biggest headaches for anyone with long-term health problems, the pre-existing condition. You will now receive coverage and care for problems that would have previously been denied by the insurance company. This is a major step forward.
This new system is not without problems. The application process is often confusing and seemingly contradictory at times. Insurance agents and companies are dealing with weekly policy changes. The pool of providers has been reduced.
All of this makes one thing abundantly clear, you need an insurance agent to navigate this process. John Tolson is an independent broker with the knowledge and expertise to help you select the best options for your health, life, dental and Medicare coverage.
He will help you determine whether it’s better to apply directly to the insurance companies or through the marketplace (Obama Care). With an understanding of your situation and your needs, he’ll help you make the best choices.
John has lived in the Lutz area for 35 years. His father, a licensed broker for 60 years, brought him into the business.
“I’m an independent broker,” says John. “This means that I work for the client, not an insurance company. This enables me to provide the best coverage for my clients.”
Open enrollment for health care coverage ends on February 15. “If you don’t have health insurance, the IRS may fine you on your tax return,” says John. “This plan won’t work if only sick people sign up, so the government is going to fine people who don’t have coverage.”
“People also need to understand that they won’t be able to sign up anytime they want,” says John. “They need to apply during the open enrollment period. This policy is meant to prevent people from applying for insurance when they have a health problem.”
The next open enrollment period won’t occur until November 15 for coverage to begin in 2016. The only exception is when you’re dropped from a group plan. You have 60 days after being dropped to apply.
Call John Tolson at (813) 453-7380 if you have any questions or concerns about your insurance coverage. He also provides group insurance, AFLAC and is licensed to help people navigate the complexity of Medicare. More information is available on his website JWTIns.com.
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