Alert: Open Enrollment Begins Today

Open Enrollment for 2019 Affordable Care Act Individual and Family Health Insurance begins today.

  • Has your plan been discontinued?
  • Are you looking for better options?
  • Are you eligible for premium assistance or cost sharing?
  • Can you benefit from small group health insurance?

You have from today until December 15th to enroll for 2019.

Winner of the Elite service award, Jerry S. Pearlstein Insurance Ltd. offers free help. 847.362.8888.

Caution: Whether online or by phone, the government continues to misinform about what plan covers what care in our area. These mistakes are difficult to undo. Please call 847.362.8888 for free help.



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: 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.


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.

The SBAC’s Health Insurance Cooperative Explained

The video below was published on YouTube by SkokieNet/Talk in November, 2012. On it I explain the Small Business Advocacy Council’s Health Insurance Cooperative. A partially edited transcript follows the video.

I’m Rebecca Bloomfield, I’m a partner in Jerry Pearlstein Insurance and for a decade we have have provided health and life insurance for independent, very small business people. Because of that we became interested when we heard that the Small Business Advocacy Council wanted to create a health insurance cooperative for small business people. A big group made of many small business people. But it was against the law in Illinois, you couldn’t do that. Continue reading…