Legacy Consulting Services

Here is something most people don't think about regarding Health Insurance.

Out-of-pocket costs are different than out-of-pocket limits. Out-of-pocket limits are established by the IRS and for 2014 they are $6,350 for individual coverage and $12,700 for family coverage. This means you will pay coinsurance – in a variety of ways as determined by your health plan – up to your out-of-pocket limit. These limits apply only to covered expenses, so if you or a family member incurs non-covered expenses, they will not count toward your out-of-pocket limit. This adds to your potential unexpected costs.

There is a way to off set these costs. Let Legacy Consulting Services help you find the best solutions for these escalating costs.

Contact Legacy Consulting Services to assist you with your insurance needs...your "future self" will thank you!

Do you know the difference between term life insurance versus whole life? When should you purchase each type?

Let Legacy Consulting Services help you to better understand this important coverage.

How would YOU answer the following question?

How often does someone suffer a stroke?

1. Every 60 minutes
2. Every 30 minutes
3. Every 40 seconds
4. Every 30 seconds

The answer will surprise you!

Health Care Reform has received a lot of negative publicity. I want to share with you a success story that Legacy Consulting Services experienced this week.

Working with a 52 year old woman who is currently working part-time and her husband works full time. Her husband’s employer recently stopped offering medical coverage; what a dilemma .

Without health coverage they were subject to major financial loss if one or both of them became ill, and newly imposed fines.

The couple stated “We are reluctant to go to healthcare.gov because of the negative things we have heard and we do not understand how it can benefit us.”

After calling the Market place and representing this couple as their agent they were covered for $132.00 a month a savings of more than $500.00 monthly based on quotes from other places not affiliated with the Market Place.

Health Care Reform is a good program. Please allow Legacy Consulting Services to assist you with your health care needs.

Every choice you make has an end result. - Zig Ziglar
Why not make the choice to allow Legacy Consulting Services evaluate your Insurance needs. Contact us for a FREE analysis.

Medical bills are the number one reason for bankruptcy due to:

1. Higher deductibles
2. Loss of income
3. Poor planning

Why not mitigate a potentially stressful situation?

Be proactive in protecting your family and contact Legacy Consulting Services for a FREE insurance analysis.

Statistically the number one reason for bankruptcy in this country is medical bills, surpassing credit card debt and mortgage debt. This statistic applies to individuals whom are covered by a health care plan as well as those without insurance.

Why do you think this to be the case? Share your thoughts with me to receive a free insurance analysis.

Open enrollment for Health Care Reform starts November 1, 2014. Based on a February 2014 article from The New York Times "nearly 3.3 million people signed up for health insurance through the market places established by President Obama's health care law."

Allow me to assist you in choosing the best plan for you or your employees before November 1, 2014.