FKA James Insurance Consultants

Hard-To-Place Coverage is easy to find with BABC

BABC writes coverage on houses, including modular and some mobile homes. In most cases, bank-owned, estate-owned, real estate-owned, and bankruptcies are also eligible.

• Many people who currently receive subsidies may qualify for larger subsidies or many who didn't qualify because their income was too high may now possibly qualify for generous subsidies.
• People who are receiving unemployment compensation at any point in 2021 will qualify for subsidies & CSR (Cost savings reductions) as if their income was 133% of FPL. This will end at the end of 2021.
• These subsidies are retroactive to January 1, 2021.
• People who were involuntarily terminated and offered COBRA will have their premiums covered FOR FREE until September 30, 2021.
• These changes a recurrently approved for two years, and Congress will need to tke further action to keep then around for longer than that.

SEP Available for Individuals Affected by a Government Entity-Declared Disaster or Other Emergency: 

 Florida Announces a State of Emergency due to System Failures at EastPort Terminal Facility (Executive Order)

ATTENTION: Medicare Recipients in Hillsborough, Pinellas and Manatee Counties

CMS provides a Special Enrollment  Period (SEP) for individuals affected by a disaster or other emergency declared by a Federal, state, or local government entity who were unable to, and did not make an election during another valid election period due to the emergency or major disaster. 

The SEP starts as of the date the declaration is made, the incident start date, or, if different, the start date identified in the declaration, whichever is earlier. The SEP ends 2 full calendar months following the end date identified in the declaration or, if different, the date the end of the incident is announced, whichever is later.

A SEP is available in certain counties in Florida due to system failures at the EastPort Terminal Facility. 

Incident Period: April 3, 2021 - June 2, 2021

Counties: Hillsborough, Manatee, Pinellas

SEP End Date: August 31, 2021

Who qualifies for this special enrollment period?

This applies to individuals who:

• Reside, or resided at the start of the SEP eligibility period, as described in this guidance, in an area for which a federal, state, or local government entity has declared a disaster or other emergency or they do not reside in an affected area but rely on help making healthcare decisions from one or more individuals who reside in an affected area; and
• Were eligible for another election period at the time of the SEP eligibility period; and
• Did not make an election during that other valid election period due to the disaster or other emergency.

An Executive Order declaring a state of emergency relating to the Colonial Pipeline has been issued.

Special Election Period (SEP) Notice for Individuals Affected by the Colonial Pipeline State of Emergency

A SEP exists for individuals affected by a disaster or other emergency declared by a Federal, state or local government entity who were unable to, and did not make an election during another valid election period. This includes both enrollment and disenrollment elections.

Individuals are eligible for this SEP type if they:

1. Reside, or resided at the start of the SEP eligibility period described in this guidance, in an area for which a federal, state or local government entity has declared a disaster or other emergency or they do not reside in an affected area but rely on help making healthcare decisions from one or more individuals who reside in an affected area; and
2. Were eligible for another election period at the time of the SEP eligibility period; and
3. Did not make an election during that other valid election period due to the disaster or other emergency.

SEP: Executive Order declaring a state of emergency relating to Colonial Pipeline (#2021-105)

1. This SEP is can be used effective 5/11/2021 and continue until further notice.
2. This SEP is available to all individuals that reside in the state of Florida.

We are your locally owned and operated Insurance company in the Tampa, Fl area which is a full-line independent insurance agency which specializes in Auto, Home, Health, Life, Medicare Advantage, Medicare Supplements, dental, vision, disability, annuities, and many other products for individuals, families and the self-employed. Our specialty is Church groups and small business operations but we also are very active in helping individuals find the right insurance for their budget and medical needs. We do not charge you for our services. Our job is to help you find the right insurance for your budget and needs. The cost of coverage is exactly the same as if you went directly to the Insurance Company-no more & no less. Since there is no cost to you to use our services, it really makes no logical sense to purchase insurance without the help of an agent.

Call us today for free information!

Are you a Medicare recipient and did you miss open enrollment? No worries! The Federal Government has approved an extension to make a change until March 31, 2021! Call our licensed agents to find information!!!

The Biden Administration re-opens ACA enrollment for 7 1/2 months

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February 15 - August 15, 2021

A great local pharmacy that, as a client of BABC, will provide you with FREE pill packs and HAND home delivery. Call or click above for more details!

NOTICE!

Did you miss open enrollment for Health Insurance? No worries! I have other options you can purchase year-round! Paying too much! I have the greatest solution around!!