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Market Place Subsidies

Posted on March 6, 2014 at 2:05 PM Comments comments (40)
Advanced Premium Tax Credit (financial assistance with premiums) are available to individuals with an income level of less than 400% of the Federal Poverty Level. Cost Share Subsidies (assistance with out-of-pocket costs) is available to individuals with an income of less than 250% of the Federal Poverty Level
Required information - people will need to submit when applying for subsidy
•      Names of all family members
•      Social Security numbers of all applicants
•      Dates of birth
•      Gender and ethnicity
•      Employer name
•      Projected income for the upcoming year and sources of income
•      Certain deductions similar to those claimed on a federal income tax return 

PPACA’s Employer Mandate Delay

Posted on March 6, 2014 at 1:22 PM Comments comments (476)
According to Forbes the Obama administration has decided to delay the implementation of the Employer Mandate of the Affordable Care Act (ACA) to 2016. The delay is due to many insurers’ and employers’ time limitations  to comply with the mandate in order to work out logistics with separate health care providers. Some employers will now have more time before they have to offer insurance to their full-time workforce.
Federal officials stated “the reason for the ACA delay is many insurers and employers needed more time to comply because they used separate companies to help administer major medical coverage and drug benefits, with separate limits on out-of-pocket costs. In many cases, the companies have separate computer systems that cannot communicate with one another.”
Changes for Mid-Sized Businesses
Employers with 50-99 workers will have until 2016 to comply with the mandate. This date represents the second delay of this controversial provision. The penalties were initially scheduled to go into effect in 2014, before being delayed last summer to 2015. The new delay gives mid-size businesses more time before facing the $2,000 or $3,000 penalties for failing to provide minimum essential coverage to eligible employees.

According to the Wall Street Journal the change for mid-sized businesses will impact about 2% of all American businesses and 7% of all workers, or 7.9 million people. Employers with fewer than 50 full-time equivalent workers currently have no obligation to provide coverage under the law.

News from Judi re: PPACA aka Obama Care

Posted on September 18, 2013 at 12:03 PM Comments comments (1)

Hello clients and friends, the Patient Protection and Affordable Care Act (PPACA), better known as OBAMA CARE, is right around the corner. Whatever your political views,  likes or dislikes, October 1, 2013 the new Marketplace (Exchange) opens. Here you can see what is available, what choices you have, what your cost will be and can make application for coverage if you choose. Plans will become effective January 1 .2014.   I am hoping you have read my newsletters of the past 5 months and you have learned something. If not, you can access them now at or give me a call 239 2817378 or shoot me an email [email protected]
 Most important, know I am officially certified to help you navigate thru this new territory, assist with and help you submit applications for individual or group insurance.
I am available to help see if you are eligible for a tax credit or for cost sharing. The individual coverage will be guaranteed issue and may or may not save you money. Group insurance must comply with regards to carrier and government mandates after your renewals in 2014.  You may have many questions and I am here to answer them for you. So please do not fret...I am just a click or call away!
 I have tried to keep you Informed on Reform* regarding all the facts and fiction circling around about this change in Health Insurance and the types of coverage required. There are some things viewed as positive and some things people are not pleased with. Regardless of all of that, you need to know what your rights are and what your responsibilities are.
Whether you are currently covered via your employee or are an employer, have individual coverage or are currently uninsured, look to Judi l Woods Agency for answers. Even if you are not currently insured with any products thru my agency, know, I am here to help! Therefore, get in touch with me today, you will be glad you did.
All referrals are accepted and appreciated. So pass this information to your friends and colleagues.


Informed on Reform

Posted on May 31, 2013 at 11:07 AM Comments comments (1)
Beginning in 2014, it is estimated
about 25 million people will shop
for coverage on the individual exchanges. This
group might include people who are currently in the
individual marketplace, unemployed, self-employed,
or work for businesses that don’t offer insurance
or whose plan is unaffordable.

Beginning in 2014, all individuals must maintain
“minimum essential coverage” through an employer-sponsored
plan, or individual plan such as one purchased
on an exchange. Failure to do so will result in a penalty
or tax. The penalty is on a sliding scale for three years
and is 1/12th of the greater of: for more information click here

Skin Cancer Risk Factors

Posted on April 26, 2013 at 1:42 PM Comments comments (0)


Everyone should be getting checked for skin cancer at least one a year...... no matter how young you are & everyone should be using products to protect the skin from Sun exposure.
Below are a few factors that may increase risk of skin cancer.
Fair Skin
History of Sunburns
Excessive Sun Exposure
Sunny or High-altitude Climates
Precancerous Skin Lesions
Family History of Skin Cancer
Personal History of Skin Cancer
Weakened Immune System
Exposure to Arsenic
Three Types of Skin Cancer:

Basal Cell Carcinoma
This is the most common form of skin cancer. One out of every three new cancers is skin cancer and most are Basal Cell Carcinoma. This cancer is in the basal cells, which are at the bottom of the epidermis. The cause is mostly by exposure to sunlight.
Squamous Cell Carcinoma
This is the second most common cancer of the skin. Most affected are those with fair skin, frequent sun exposure, ultraviolet light exposure and severe sunburns as a child. It develops in the outer layer of the skin. Early treatment is important since the squamous call carcinoma may spread to other areas of the body. Such as the lymph nodes and organs.
This is the most dangerous skin cancer. Of all skin cancer related deaths, 79% are from Melanoma. This disease develops in melanocytes cells that produce skin pigmentation. It is most likely to metastasize to lymph nodesand other parts of the bodyost here.

Medicare Costs in 2014

Posted on February 26, 2013 at 11:45 AM Comments comments (149)
2014 Medicare Deductibles

Medicare is reporting the 2014 Part A deductible, Part B premiums, Part B deductible and High Deductible Plan F deductible.                         Beginning in 2014:  

  • The Part A deductible will be $1,216 (up from $1,184 in 2013)
  • The Part B premiums will be unchanged and remain at $104.90 per month
  • The Part B deductible will be unchanged and remain at $147 per year
  • The High Deductible Plan F deductible will increase to $2,140 (up from $2,110 in 2013)

Staying Healthy In The Face Of Norovirus

Posted on February 25, 2013 at 1:22 PM Comments comments (120)
Have you heard of a sickness called Norovirus? Chances are you have had Norovirus, also called the "stomach flu," many times in your life. Despite its nickname, Norovirus is not related to the flu.
Norovirus is highly contagious and may cause vomiting, diarrhea and stomach cramps. Symptoms usually start within 24 to 48 hours and most people begin to feel better within one or two days and have no long-term health effects.
People with the Norovirus illness are contagious from the moment they begin feeling sick until at least 3 days after they recover. There is no vaccine to prevent a Norovirus infection and no drug to treat people who get sick from the virus. Antibiotics will not help because they fight against bacteria, not viruses.
1 in every 15 Americans will get Norovirus illness each year. Norovirus is also estimated to cause over 70,000 hospitalizations and 800 deaths each year in the United States.
The Center for Disease Control offers the following tips on protecting yourself from Norovirus:
  • Practice proper hand hygiene
Wash your hands carefully with soap and water—Alcohol-based hand sanitizers can be used in addition to hand washing. They should not be used as a substitute for washing with soap and water.
  • Wash fruits & vegetables and cook seafood thoroughly
 Carefully wash fruits and vegetables before preparing and eating them. Cook oysters and other shellfish thoroughly before eating them.
Be aware that Noroviruses are relatively resistant. They can survive temperatures as high as 140°F and quick steaming processes that are often used for cooking shellfish.
  • When you are sick, do not prepare food or care for others who are sick
You should not prepare food for others or provide healthcare while you are sick and for at least 2 to 3 days after you recover.
  • Clean and disinfect contaminated surfaces
After throwing up or having diarrhea, immediately clean and disinfect contaminated surfaces. Use a chlorine bleach solution with a concentration of 5–25 tablespoons of household bleach per gallon of water or other disinfectant registered as effective against Norovirus by the Environmental Protection Agency.
  • Wash laundry thoroughly
Immediately remove and wash clothes or linens that may be contaminated with vomit or stool (feces).
You should handle soiled items carefully without agitating them, wear rubber or disposable gloves while handling soiled items and wash your hands after, and wash the items with detergent at the maximum available cycle length then machine dry them.
If you follow these tips and use caution when caring for sick loved ones, you may dramatically reduce your chances of contracting Norovirus.

A Personal Note From Judi

Posted on January 31, 2013 at 10:40 AM Comments comments (2)
As most of you know, in addition to being your wonderful insurance agent, I support a non-profit I founded 13 years ago and am very passionate about it.
Footsteps to the Future is an evidence-based mentoring program serving young women in, and those aged out of, foster care. Our focus is academic achievement, job readiness and self sufficiency. Our goal is to mentor and tutor these deserving young woman so they will become positive and contributing members of our community.  
I would like to invite you to our main event...  Jazzin It Up with Footsteps will be held at Hodges University in N.Naples on Saturday night April, 12, 2014. This will be the best Jazz this side of the Universe!!
Our event this year will be Tenor Madness … a NYC saxophone summit Featuring Jerry Weldon, Jeff Rupert, Lew Del Gatto with Dan Miller on trumpet 

Please visit our website for information regarding our Signature Fundraiser and Jazz Concert tickets and more information. Hope to see you there!

Summary of Benefit and Coverage Forms

Posted on October 25, 2012 at 4:25 PM Comments comments (2)
Well we are rounding the bend regarding a very important election year and personally I will be glad when the results are in.. What ever your preference PLEASE VOTE..  Everyone wants to know what is going to happen with Health Care Reform, Medicare Benefits, Estate Taxes and more regarding insurance after the election. So far all that has been said and predicted is just that.. a prediction. So we all will have to wait and see what happens after the elections, and after the dust settles.. know I will do my very best to keep you informed on what really happens. 
Summary of Benefit and Coverage Forms  
The purpose of the Summary Benefit and Coverage (SBC) is to give policy holders information about a health insurance plan's benefits in "plain language," so they can make appropriate purchasing, enrollment and coverage decisions. Effective September 23, 2012, it is mandatory for insurance companies, agents and employers to distribute SBC Forms to policyholders in compliance with the guidelines established by the Affordable Care Act. Summary of Benefit and Coverage FormsThese SBCs are required to be distributed at certain "trigger events" including: * Before plan renewal* With enrollment materials or during the enrollment period* To newly eligible employees* After a special enrollment* Before making mid-year changes to medical plans* Upon request To learn more about this new regulation, CLICK HERE TO VIEW MORE INFORMATION FROM AETNA.
*Information from SBC Brocure by Aetna

Get to Know Judi as More Than Just Your Insurance Agent

Posted on October 25, 2012 at 4:17 PM Comments comments (99)
Many of you know Judi Woods as a helpful insurance expert that assists her clients in finding the insurance that best fits their needs, but did you know that Judi is also very involved in meeting community needs? 
Eleven years ago Judi became keenly aware of an important need in our community and founded a unique evidence-based mentoring, and academic achievement program for young women in and "aging out" of the foster system, called Footsteps to the Future (FTTF). She decided that, with the help of compassionate, positive women she would do her best to make sure that this population of young women is not forgotten and instead given opportunities to thrive in our community and become educated, job ready, and self-sufficient, contributing members of our community.  
If you are looking for positive ways to get involved in the community and make a difference... Footsteps to the Future may be it!  Check out the FTTF website to learn more.
Also - if you are getting started on your holiday gift shopping, check out Footsteps to the Future's "Giving and Sharing Naturally" fundraiser sponsored by SudsMaMa. Their fragrance line is fresh and memorable. Guided by their principle of quality before quantity, all of their products are freshly made, by hand, with exceptional care.