Alert: Medicare Open Enrollment Begins October 15, 2018

From the Medicare Resource Center:

For 2019 coverage, open enrollment will run from October 15, 2018, to December 7, 2018. During the annual enrollment period (AEP) you can make changes to various aspects of your coverage including switching from Medicare Advantage to Original Medicare and changing Part D Prescription plans.


If any part of your Medicare program isn’t working for you, call us: 847.362.8888



The Elite Certificate of Recognition

Billboards Outside Indian Hills, Colorado (true)

Cow grazes in pot field. The steaks have never been higher.

Becoming a vegan would be a big missed steak.

Electricians have to strip to make ends meet.

Dogs can’t operate MRI machines. But cats scan.

Life is short. If you can’t laugh at yourself, call me. I will.

The Elite Certificate of Recognition.

Why is the government  recognizing our work?

The certificate from the Health Insurance Marketplace reads: “This certificate is proudly presented to Jerry S. Pearlstein Insurance Ltd. in appreciation of your ongoing contribution and success during the 2018 Health Insurance Marketplace Open Enrollment period. Thanks to your hard work, you have increased access to health care and made a lasting positive impact on your community.”

Our Mission has always been to help independents get the best benefits: health, Medicare, disability, life and long-term care insurance. The Affordable Care Act has presented opportunities and challenges we didn’t contemplate 17 years ago.

We’re accredited with the Health Insurance Marketplace, ACA as well as non-ACA health insurance providers. We’re educated on government procedures and health insurance providers’ plans.

We pass that education on in these newsletters, Alerts, public presentations and counselling sessions for people on COBRA.  We use it with every individual, family, small business that asks for our help.

As Open Enrollments for Medicare, Affordable Care Act and Small Group health insurance approach, we’re ready to assist you step-by-step to get the best health insurance plan at the best price.

This award acknowledges how well we do this  including government assistance if you’re eligible.

We’re proud of the service we give our clients. Our clients tell us they appreciate our help by returning and referring. And now, the government has told us they appreciate us, too.

We’re very proud.

Jerry Pearlstein

Rebecca Bloomfield



Alert: Health Insurance Marketplace Prepares to “Redetermine” 2019 Insurance – How Does That Affect Me?


Notices are going out to people who bought their 2018 health insurance through The Marketplace determines whether you can continue with your same plan in 2019. It may automatically re-enroll you or “migrate” you to another plan.

If you received premium assistance and cost sharing, you must reapply with 2019 income information.

Jerry S. Pearlstein Insurance, Ltd.  is accredited to take care of you through this process. As recipients of the 2018 Elite Certificate of Recognition, we will make sure you get the plan and premium you, not the government, choose as best for you.

You must act between November 1 and December 15, 2018. Call now before the government acts on your behalf: 847.362.8888.


Alert: How to Get the Best Health Insurance in 2019

Insurance providers are promoting talking to an agent as the best way to find the best plan and price for 2019.

We’re coming to you.

10/3 Noon-1pm Northbrook Chamber office “New Options in Health Insurance” 2002 Walters Ave. , Northbrook, Brown Bag Lunch

10/4 5:15-6:15pm Skokie Library “New Options in Health Insurance” Business Center 5215 W. Oakton, Skokie.

10/9 CHILLOUT CABLE TV with Pamela Chill. “New Options is Health Insurance” airs Highland Park, Highwood, Winnetka and YouTube.

10/11 Noon-1pm LifeWorking Coworking Lake Forest. “New Options in Health Insurance” Brown Bag Lunch Series 272 Forest, Lake Forest

All programs are FREE. Or call us: 847-362-8888.


How do I get ready for Open Enrollment?

A guy dressed as a lumberjack shows up at a logging camp and says to the boss, “I’m the best lumberjack in the world and I want to work for you.”

The boss is skeptical of this bold claim so he says, “Okay, we’re cutting that section. Show me what you can do.”

The guy puts on his goggles and his gloves, picks up his ax and sets to work. Soon the air is filled with chips and the cries of “Timber!” and in minutes the stand is down.

The boss is shocked. “How did you learn to chop down trees like that?” he asks.

“In the Sahara.” The guy answers.

“You mean the Sahara desert?”

“Well,” says the guy “That’s what they call it now.”


Medicare Open Enrollment is October 15-December 7.

ACA Open Enrollment is November 1-December 15.

Small Group Special Enrollment is November 15-December 15.


If you’re under 65 and have ACA (Obamacare) health insurance now, you should ask:

  • Will my current plan just continue or must I reapply?
  • When can I change my plan?
  • Will premiums and providers remain the same in 2019?
  • Are there any alternatives?

If you get premium assistance and cost sharing from the government, you should ask:

  • Do I need to submit income verification for 2018? Where? When? How?
  • Do I need to reapply for my assistance and my plan?

If you are on COBRA you might ask:

  • What are my private insurance options?
  • Am I eligible for any assistance if I haven’t landed a job with benefits yet?

If you are over 65 you should ask:

  • I never signed up for Medicare Part B or Part D. When can I do that? How?
  • When can I change my Medicare Advantage plan? How?
  • When can I change my Part D plan? How?
  • When can I change my Medicare Supplement? How?

If you are a solo entrepreneur or have a small business, ask about group opportunities that may give you greater access and stability.

The time to get answers to these questions is now.  Don’t wait until Open Enrollment begins and the government and insurers take actions that are difficult to undo. Jerry S. Pearlstein Insurance is fully accredited by the state and federal governments to help you.


We’ll be offering FREE information programs:

Oct 3   Northbrook Chamber of Commerce office

2002 Walters,  Northbrook



Oct 4   Skokie Library Business Center

5215 Oakton, Skokie



Oct 11 LifeWorking CoWorking Brown Bag Lunch Series

272 Forest, Lake Forest



10/15 HP/Highwood Cable TV channels and You Tube

Chill Out with Pam Chill


11/18 560 WIND Get Down to Business with Shalom Klein



Jerry S. Pearlstein Insurance Ltd. is always available to answer your questions, get you the best plan and price and assistance if you qualify.

Call us at 847-362-8888.


Alert: Look at Our New Website. Ready for Open Enrollment. Lots of Information.

Look at Our New Website. Ready for Open Enrollment. Lots of Information.

Note: After four years’ experience, we’re not offering an application through the site. Too many client and system errors that are too hard to undo. Just ask for a quote or call us and we’ll get it done right. 847-362-8888.

More Health Insurance News here.


Alert: We’re accredited!

We’re accredited! Preparation for Open Enrollment has begun. Again, Jerry Pearlstein Insurance received federal accreditation to provide ACA health insurance Off and On Exchange including premium assistance and cost sharing.

Watch for these Alerts and call us as you prepare for 2019. 847-362-8888.

What Will Your Health Insurance Look Like in 2019?

A new minister is called at the last minute to do the funeral rites of a homeless man. He follows directions to what he thinks is the poverty section of the cemetery. There’s no hearse or mourners, but this was a homeless guy. He does see the backhoe and the crew and the big hole, so he begins a service.

As he says the prayers, his heart is opened to the idea of being homeless and friendless and he pours his heart out to show the deceased some love. The crew is moved, too. They began to add “Amen” and “Praise the Lord” and “Hallelujah.”

When the young preacher finishes, one of the workers shakes his hand and says, “I ain’t never seen anything like that before, Preacher. And I been digging septic tanks for 20 years.”


What Will Your Health Insurance Look Like in 2019?

Open Enrollment for 2019 health insurance is November 1- December 15. Small Group Special Enrollment is November 15-December 15. Here’s what 2019 looks like for individuals, families and entrepreneurs.

Tax Penalty Removed.

Last November, Congress removed this penalty for not having ACA-compliant health insurance


New options in non-ACA plans.

Providers like Humana and United Health Care will offer indemnity plans that should be available without penalty. These plans are considerably less expensive than ACA. If you are healthy, they are an excellent new option. But you must understand how they work. Ask an expert.


Congress extends Catastrophic Health Insurance coverage periods.

If you are between jobs, between semesters, these are excellent plans at a very low cost. In May, Congress said you could buy one for up to 364 days. But there is a bill on Gov. Rauner’s desk to limit the coverage period to 6 months.

Again, you must understand how catastrophic health insurance works. Ask an expert.


Blue Cross and Cigna file for new premiums.

It is reported that Blue Cross will reduce individual/family health insurance premiums slightly for most plans in 2019.

Cigna will increase premiums 10+%.


Premium Assistance for ACA plans continues.

We’re almost 100% successful in determining if you are eligible and getting you assistance paying premiums and cost-sharing. We’re ready to help again


Group Health Insurance is more attractive

Blue Cross reduced group health insurance premiums in July. We’ve helped establish groups for entrepreneurs and sole practitioners. Check out the Group Special Enrollment Period November 15-December 15. It waives an employer’s obligation to pay any part of the employees’ premium.


Once again, Jerry Pearlstein and Rebecca Bloomfield are fully accredited and licensed nationally and by the state to get the latest and best health insurance for you.

We’ll be holding free information sessions on New Options in Health Insurance

Sept. 24 Blossom Café 8349 W. Lawrence, Norridge 8:30-10am Networking and $16 for breakfast.

Oct. 3 Northbrook Chamber office 2002 Walters Ave, Northbrook  Noon-1pm Brown bag lunch

Oct. 4 Skokie Library Business Center 5212 Oakton St. , Skokie 5:15-6:15pm

Oct. 11 LifeWorking Coworking 717 Forest Ave, Lake Forest Noon-1pm Brown bag lunch

Start a conversation with us now. Call us at 847-362-8888.





Is Long Term Care Insurance or Investing My Money the Best Decision?

A chemical engineer, an electrical engineer, and a Microsoft engineer are on a road trip. The car breaks down.

The electrical engineer looks under the hood and can’t find anything wrong.

The chemical engineer checks the oil and fuel and can’t find anything wrong.

The Microsoft engineer says, “Close all the windows, and try again.”


Where’s the best place to invest?

The husband of a couple who came to talk to us said, “I can take the money I’d pay for Long-term Care Insurance premiums and invest it and I’ll be way ahead.”

“That’s magical thinking for all but the very wealthy,” says a Ladies Home Journal article. They looked at a 52 year-old male investing his long-term care insurance premiums annually over 10, 20 and 30 years. Even with a 6% annual return, the investment  yielded less than 30% of what is actually needed for skilled long-term care today.

Richard Eisenberg, Forbes Contributor writes: “The average American underestimates the cost of in-home long-term care by almost 50%. Home health care happens to be the most popular long-term care option — compared to institutional nursing homes and assisted living facilities.”

Financial advisers who refer their clients to us lack confidence in a consistent 6% return. They also cite liquidity, market conditions, taxes, lost investment opportunity, legacy issues, the years needed to grow the funds needed and the “Death Spiral”, (liquidating assets that have been allocated to generate income), as reasons they do not advise self-funding long-term care. For more details, visit this page.

Terry Savage, nationally known expert on personal finance and blogger for The Huffington Post writes: “…consider one of the new ‘combined’ policies that offer both long-term care benefits and a death benefit (or cash value withdrawal) if you don’t use the care benefit.”

Check out our “15 for Life” policy. You’ll see what Terry is talking about.

Then call us 847. 362.8888. Contact Rebecca Bloomfield, partner at Jerry S. Pearlstein Insurance holds a national Certificate in Long Term Care. She and Jerry will put together a plan that is the best investment in you.


What’s the Best Health Insurance for College Students?

A new guy stops at a bar after work and orders 3 mugs of beer. He sits in a booth, drinking a sip out of each one in turn.

The bartender approaches and says, “You know, a mug starts to go flat after I draw it. It would taste better if you bought one at a time.”

The guy replies, “Well, you see, I have two brothers. One is an Airborne Ranger, the other is a Navy Seal. They’re serving overseas. When they left, we promised that we’d drink this way to remember the days when we drank together. So, I drink one beer for each of my brothers and one for me.”

The bartender is touched, salutes and leaves it there.

The guy becomes a regular, always drinking the same way. Until one day when he just orders two beers.

The bartender hesitates. “Oh, he says quietly, “Condolences on your loss. Which brother?”

The man looks puzzled and then the light dawns: “Oh, no, everybody’s just fine.” Then he explains, “My wife’s insisting I have to lose some weight and cut out the beer. Hasn’t affected my brothers, though.”

With kids going off to college, the question arises: do I keep my child on my health insurance or drop them and buy health insurance offered by the college?

Some considerations:
• What does the school require? Just their insurance? Just yours? Both?
• Is the policy good all year or just for the semesters your child is registered for classes? If there is a gap, keep your child on your insurance even if you buy the school’s.
• If something serious happened, is the school in a community with excellent health care facilities and does their plan cover care there? If you’d want to bring your child home for care, keep them on your plan.
• Is your health insurance an HMO? These policies do not provide coverage out-of-state. In this case you’ll want to use school health insurance when out-of- town care is needed.

Please note: You will need a Power of Attorney to access information for a child 18 years of age or over. That includes medical care and claims.

The Affordable Care Act permits children to stay on their parents’ insurance until age 26 whether they’re in college or not, living at home or not, married or single.

Our clients tell us that this insurance decision is a great learning experience for their kids about real world considerations. They do it with their kids and have had their kids call us. We love being part of your family Call us at 847-362-8888.