OBAMACARE - *** Missed it? You still have Options!
Open Enrollment Nov 1 - Dec 15
If you are like many people, you may  have questions about the Affordable Care Act (ObamaCare) and what it means  for you.  By, learning the benefits and protections within the law, you can find your way, get the facts and make the best decisions for yourself and your family.


Health and Wealth Education Services offers FREE Enrollment Assistance into the Health Insurance Marketplace (ObamaCare), and OFF the Marketplace directly to Health  Insurance Providers for individuals and families under the age  of 65. 



If You Missed Open Enrollment You Still Have Options

HealthCare Sharing Ministries

Healthcare Sharing Ministries are  NOT insurance companies but are nationwide faith-based recognized Health Care Sharing Ministries allowed under the Affordable care Act, and members who participate in sharing with one another's medical needs are exempt from the Obamacare Tax Penalty.


Members across the nation that experience this biblical concept of caring for one another,  “Galatians 6:2, share each other's burdens, and in this way obey the law of Christ". 


They offer affordable health plans that cover office visits, hospitals, telemedicine, some maternity and a prescription discount card. Unlike Obamacare, YOU CAN ENROLL ANYTIME OF THE YEAR!

Short-Term Health Insurance

Short term insurance plans can help you get covered from 30, 90, 180 days to one day less than three years at a time,  Requalify at the end of each policy term.  They are designed to help protect you from the costs of the unexpected, they are helpful if you are between jobs with employer-provided coverage, a new hire awaiting the start of employer-provided coverage, or between open enrollment periods, and YOU CAN ENROLL ANYTIME OF THE YEAR!


Medicare - Open Enrollment October 15 - December 7

In addition, we are  authorized to offer  Medicare Advantage, Medicare Supplements and Prescription Drug Plans for individuals eligible for Medicare.

Understanding the ABCDs of Medicare


What is Medicare?

  • A federal insurance program offered for people who are 65 and older.

  • For some younger persons who are receiving social security disability for atleast 24 months.

  •  For people with end stage renal disease.


Initial Enrollment:

  • 3 months before, the month of, and 3 months after your 65th birthday

  • Can change plan annually usually during open enrollment period between October 15 and December 7.  But if you have a qualifying event, i.e. move to another state can change plan outside of open enrollment. 

Medical Alert Alarms - covered by some insurance companies at $0 copay


Choosing a Medical Alert System can be overwhelming.  I am here by your side to answer any questions you may have.

  • 70% of seniors will fall this year;

  • 20%-30% of those who fall suffer lacerations, hip fractures, and/or head  traumas.;

  • Every 11 seconds an older adult arrives in the emergency room from a fall;

  • Every 19 minutes an older adult dies from a fall and 9500 die every year.


“The Golden Hour for Senior Falls”  -  62% of ALL fall victims who do NOT receive help within the first hour, will NOT be able to live independently or fully recover. 

Help at the push of a button...

In-Home Care Plans


According to Health and Human Services 70% of Americans will need some type of home care in their lifetime, that’s nearly 3 out of 4 of us! (True Freedom)


Approximately 12 million people in the U.S. require some type of home care .(Johns Hopkins)


Most of those requiring assistance are over the age of 65  with approximately 97% requiring assistance with bathing and 91% needing assistance

transferring in and out of bed. (Statista.com)


83% of help provided to older adults is delivered by friends or family members (Morning Star).

What would you do if SUDDENLY you were unable to perform any of your daily living  activities, i.e. bathing, dressing, cooking, grocery  shopping, house cleaning, laundry, etc.?

Affordable Life Insurance Options for You and Your Family

Life Insurance You Do NOT have to Die to Use

Life insurance policies of the past should have been called death insurance since the only way to access the benefit was someone had to die.  With the policies we offer that is fortunately no longer the case. 

Ask us about a life insurance policy that can provide benefits while you are alive to help you and your family through critical, chronic and/or terminal illness in addition to supplying a death benefit to your loved ones.

Affordable Supplemental Policies that provide Added Protection

Financial Protection Products - Mortgage Protection


 We also OFFER Financial Protection products, i.e. Mortgage Protection, Critical illness,  accidental, offered by various providers who have been serving the needs of individuals and families for decades.   Our goal is to protect you and your family through life's unpredictable changes.  Are you prepared for what life can throw you?

Your home may be your MOST VALUABLE asset....  Don't Take a Chance on Losing it.

What would you do if you were FORCED to LEAVE the family home due to economic hardship caused by death, disability or illness?

Protecting your home for yourself and your family could be the wisest move you ever make.  MORTGAGE PROTECTION helps protect your family from the financial devastation that can come with an unexpected tragedy, disability or critical illness.

Financial Protection Products - Critical Illness


If you were diagnosed with cancer or suffered a heart attack or stroke, the last thing you would want to worry about is your finances.  At least 53% of the costs associated with cancer are non-medical, indirect costs.


Cash benefits from your policy can be used to help supplement lost income for you and your spouse, to pay for car and mortgage expenses and travel to and from medical facilities.

Financial Protection Products - Will, Trust, Power of Attorney

Many people disregard planning for unexpected events because they're "too young," it's "too expensive," or they just don't realize the importance of each piece that goes into a Will, Trust, Healthcare and Financial Power of Attorney.


The MyCare Plan is a comprehensive planning package, customized to your needs, covering each of the essential parts that make up a full estate plan.  When it comes to your health and your assets, you're used to being in charge. The decisions you make for yourself and your family are important because you know what's best for you.

Financial Protection Products - Credit Restoration 

We are living in uncertain economic times and good credit is becoming more and more a necessity.  You NEED Credit, and EVERYTHING Revolves Around Credit.  Here is how we can help you.


If you are one of the 43 million with a LESS THAN PERFECT Credit Score,  our Credit Restoration Service can assist you in challenging the credit bureaus to REMOVE "inaccurate, erroneous and obsolete" items from your credit report and when these items are deleted this will lead to lower interest rates and more positive results.

Health is Wealth - Nutrition and Healthy Eating

Do you have any of these temporary symptoms:

  • Low Energy

  • Constipation

  • Heartburn/Indigestion

  • Bloating

  • Diarrhea

  • Headaches


Could your colon be the cause?

It is possible that your own digestive system is causing unnecessary problems and robbing you of optimal health because your colon may clogged and not eliminating toxins and waste effectively.  Poor diet and fast foods, stress, certain medications, and even  overuse of laxatives affects elimination and these harmful toxins may poison the body.

Wealth Building - Real Estate Services

Real estate is a powerful wealth building tool that has made millions of individuals millionaires.  There are many ways to make money in real estate, i.e. buying low and selling high, rental income, increasing equity, tax benefits, profit from extra cash flow on a refinance & more.  

How much can a real estate agent do for you?  From the initial consultation and marketing to showing the home and negotiating with the buyer's agent we give sellers and buyers the opportunity to choose what they need help with, from showing the home, negotiating with the buyer's agent, marketing, to assistance preparing for the closing process.

  • Health Insurance for Individuals, Families, Small Businesses (under 65)

  • ABCDs of Medicare- over 65 

  • Life Insurance You do NOT Have to Die to Use

  • Supplemental Insurance - Critical illness, Accident, Heart/Attack & Stroke, Cancer...

  • Home Care Plans

  • Medical Alert Systems

  • Mortgage Protection

  • Nutrition & Healthy Eating


  • Wills, Trusts & POA


  • Real Estate Services


Under 65 ObamaCare OPEN ENROLLMENT begins November 1 and Ends December 15th

65 and over Medicare OPEN ENROLLMENT begins oct 15 and ends December 7.

Upcoming Events

There are NO upcoming events for this month.

Health and Wealth Education Services LLC