J R McDowell & Associates

07/09/2022

One is about as likely as the other

07/08/2022

That I don't always agree with slangy is not the issue at hand. The issue at hand is integrity, character, truthfulness and so on and all of these issues Lindsey Graham has failed as far as I am concerned such a freaking kiss up

04/28/2020

I have been meaning to post something about the Affordable Care Act and it kept slipping my mind. Here is the deal for folks who have lost their job and are considering COBRA. COBRA will cost you a LOT of money. Losing a job gives you what is known as a SEP or SPECIAL ENROLLMENT PERIOD ON THE HEALTH EXCHANGE. You have a limited amount of time after your group insurance lapses to enroll in a subsidized plan on the exchange. The Media was talking about how President Trump decided not to open the exchange back up for people who have lost their job. What the media didn't tell you if that it already is open to those folks. If you have lost your job and made or will make roughly 13k for a single person or roughly 17K for two people and a bit more for a family (depends on how many family members to see how much income you need) by December 31, 2020, you qualify to enroll in a subsidized plan under MOST but NOT ALL circumstances. Because the plan is subsidized the premium you pay will almost certainly be less than COBRA and a better plan to boot in most cases. Unemployment income counts, social security income counts, and self-employment income counts. If this information helps anyone -Great! If you would like to talk to me and see if I can help you please call me at 803-771-6391 or my cell at 803-348-7187. As the lawyer on TV says "it won't cost you anything to see if I can help".

10/15/2019

Next on the Agenda. If you are not presently a client but are in need of information or help about present Medicare and PDP plans please feel free to call me at 803-771-6391 or 803-348-7187. The rules state that you must first call and then I can either answer the call if I am available or return the call if you leave me a message. I have a new web site that you can go to and learn a bit about me :
www.jrmcdowellandassociates.com

10/15/2019

Ladies and Gentlemen! It is officially the 15th of October the day that CMS says I can see you, with a previously scheduled and documented appointment of course, and talk about Medicare Advantage and Drug plans. If you are a present client I am trying to get through all the names so I will get to you. If you want to talk to me right now then give me a call at 803-771-6391 or 803-348-7187 cell. I will do my very best to get to everyone who wants or needs to see me or talk to me. We do not begin work on the ACA or Affordable Care Act for two more weeks so don't worry about that yet. Blue Cross has told us they intend to call insureds and try to update accounts themselves. If you feel it is working for you and you are comfortable with it then fine. If not just tell them you prefer to deal with me and say goodbye and call me or wait for me to call you. If you do let BC adjust your account please call me and let me know so I will know if you and I need to fine-tune what they did. As always, I want to thank each and every person who has been gracious enough to allow me to help with your insurance and I will continue to do the very best job I can for you. GOOD NEWS is that in some counties BCBS will have some competition so we will see how good they are.

02/08/2019

This is beautiful to watch and listen to. I pray that all who watch and listen to this will join me in praying that God will heal this child and let her grow up to follow her dreams.

02/04/2019

news you can use.

WASHINGTON, D.C. – February 1, 2019 – Ahead of next week’s State of the Union address by President Trump, America’s Health Insurance Plans (AHIP),

01/31/2019

Wonderful young man.

I hold my mother like she held me when I was a baby.
I would do everything for her because she did everything for me. May God Bless all moms.
Amen.

11/24/2018

of the many things or people I wouldn't want to be compared to Kaiser Wilhelm is pretty close to the top of the list but if the shoe fits let Trump wear it.

Donald Trump is reminiscent of Kaiser Wilhelm II, during whose reign the upper echelons of the German government began to unravel into a free-for-all.