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Market Place Subsidies
PPACA’s Employer Mandate Delay
News from Judi re: PPACA aka Obama Care
Informed on Reform
Skin Cancer Risk Factors


Affordable Health Care Act
Cancer Insurance
Coverage Gap
Donut Hole
Footsteps To The Future
Health Savings Accounts
Healthcare Reform
Long Term Care
Medical Loss Ratio
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Medicare Supplements
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Judi L. Woods Agency Blog

Market Place Subsidies

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

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

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 www.judiwoodsagency.com or give me a call 239 2817378 or shoot me an email judiwoods2@earthlink.net
 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

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


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.