Bill Hartman

"Empowering Others To Make Informed Decisions"

Life Insurance: It’s Not for You

Life Insurance. The simple phrase either conjures up images of relief or feelings of regret. Every life has been touched by death. You simply cannot escape it. The question is what will happen once you or a loved one has passed from this life? Winston Churchill once...

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Common Health Insurance Terms

Understanding your Health Insurance coverage can be difficult. This is especially true if you do not know the verbiage or meaning of the terms and acronyms. Here is a list of some of the more common terms used in the insurance industry along with a brief explanation....

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Special Enrollment Period aka "SEP" Have you heard the term "SEP" going around?  Are you wondering what it is?  An SEP is a Special Enrollment Period that allows you to enroll in and/or make changes to your Health Insurance Plan outside of the Annual Enrollment...

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Understanding Part D

Why is this so important? Every year from October 15th - December 7th, Medicare Beneficiaries have the opportunity to change their Part D prescription drug plans.  Failure to do so, could cause a lot of frustration. All plans use what is called...

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ACA 2017

With the inauguration of the 45th President of the United States of America quickly approaching, many Americans have questions concerning healthcare and what the future holds. Will the Affordable Care Act be repealed? Will it be replaced? Will it be repealed AND...

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Health Insurance vs Health Care

Health Care vs. Health Insurance To many times the Media and Politicians like to interchange these two topics.   Although you can't hardly talk about one without the other, there is a MAJOR Difference. Providing Medical Attention / Treatment of Medical Conditions to...

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Benefit of an agent

The other day I received a phone from a client that lost their premium subsidy through the marketplace. During our meeting, we established an Online account. When we had met previously, we had to make adjustments via telephone. After he lost his subsidy we connected...

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Medicare Made Easy

Understanding your Options when it comes to Medicare Can Be Confusing! MOST People enter the Benefits System of Medicare at age 65.   However there many that enter the Medicare Program after receiving Disability Benefits for 24 months.  That being said lets...

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Changes To Health Care

As we get closer to the Enactment / Roll Out of the Health Insurance Exchanges, it really irritates me how people take HEALTH Insurance for Granted. We forget that although we all may have ACCESS to Health Care in this country, Health Insurance has been the primary...

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