How to Avoid Losing Your New 2019 ACA Health Insurance

A guy is grocery shopping and notices he’s being followed by a little old lady. She smiles at him. Stares at him. When he stops, she stops. Finally, they meet up at the checkout counter.

She says sadly, “I hope I haven’t made you feel ill at ease; it’s just that you look so much like my late son.”

He’s touched and says, “That’s okay.”

She smiles, “I know it’s silly, but if you’d call out ‘Good bye, Mom’ as I leave the store, it would make me so happy.”

What can he do but agree? She goes through the checkout, and as she’s leaving the store, he calls, “Goodbye, Mom.”

The little old lady waves giving him a big smile and leaves.

Pleased that he has brought a little sunshine into someone’s day, he proceeds to pay for his groceries.

“That comes to $121.85,” says the clerk.

“Can’t be,” the guy says. “I only bought five items.”

“Oh, says the clerk. “Your mother said you’d be paying for her things, too.”

If you have individual/family major medical health insurance through Ambetter, Cigna or Blue Cross, you should have received information about your plan continuing into 2019. In most cases, if you’re keeping that plan, you don’t have to do anything other than keep paying your premium.

But if you are buying a new policy, there are deadlines for making the first month’s payment. Miss the deadline and you’ll lose your insurance. You cannot reapply. You won’t have insurance for 2019.

Here’s what you need to do to avoid that problem. Since Blue Cross is the only ACA provider of individual/family major medical health insurance in all Illinois counties, we’ll follow their system.

If you get your new health insurance through an agent (like us) or Blue Cross directly, you’re required to pay the first month’s premium when you apply. You’ll give Blue Cross your banking information for an EFT (Electronic Funds Transfer) or your credit card. Your binder payment is made. No need to worry.

If you get your new health insurance through the Exchange with premium assistance, the government will send your application to Blue Cross. (It takes about 5 days). You must then pay your portion of the premium before the effective date: January 1, 2019. You should get notice from Blue Cross that they have your application and a number to use when making your payment.

1. Call 800-538-8833. Important: Tell them you got your Blue Cross Insurance ON EXCHANGE. Then, they can find your account by your name and Social Security number.

2. Mail your check or money order to:


PO Box 650774

Dallas TX 75265-0774

3. Overnight your check or money order to

BCBSIL ON EXCHANGE c/o First Data/Remitco

1010 Mockingbird Lane, Suite 100, Box 650774

Dallas TX 75247

Remember: December 15th is the deadline to sign up for 2019 health insurance. You’ll need a specific “life qualifying event” to get health insurance after that date.

Jerry S. Pearlstein is the winner of the Elite Service Award.  

We’ve helped hundreds save thousands of dollars on their health insurance.

Call us: 847.362.8888. Let us help you, too.


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



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.


New Health Insurance Options Coming

It was New Year’s Eve in the local pub when Bridget stood up and said, “It’s time to get ready. At the stroke of midnight, I want every husband to be standing next to the one person who makes his life worth living.”
Well, it was kind of embarrassing.

As the clock struck twelve, the bartender was almost crushed to death.


The Affordable Care Act has required all individuals and families to buy ACA compliant health insurance. Now, the tax penalty for those who do not is repealed effective January 1, 2019. With no penalty, the door is open to other options.

Remember, before the ACA there was health insurance available to those who buy their own. The plans asked for medical history and could refuse coverage. They were considerably less expensive than today’s ACA plans. We see a reappearance of these plans from providers who stopped selling individual health insurance in Illinois because they didn’t want to meet the universal coverage required by the ACA.

All insurance providers filed their plans and prices for 2019 with the Illinois Department of Insurance last month. IDOI will announce approval in August-September.
We’ll be fully licensed and accredited to find the best coverage for you in 2019 whether you can take advantage of non-ACA plans, need ACA plans, want premium assistance, want small group coverage.

Online quoting and purchase has proven to be unreliable and really difficult to correct. Remember the Pearlstein Principle: “Never buy insurance alone.”
If you’re receiving this information, you’re already on our mailing list. You can also tell us now what your situation will be for 2019 and we’ll specially flag you for the insurance answers you need. Call us for more information at 847.362.8888.