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Edward Harris
Works at pahealthinsurancecoverage.com
Attended Miami University
Lives in Ohio
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Edward Harris

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Nice! Perfect for the calls we get from "Microsoft Security," and other persons wanting us to change utility companies, lower credit-card interest rate, or upgrade our alarm system!
 
Having Some Fun With Telemarketers!
This AI will answer the call and keep a telemarketer busy for a very long time. It's a call answering robot that tricks the telemarketer into thinking your on the line. The algorithm will even change responses when it senses the telemarketer is suspicious. 
Hanging up on annoying telemarketers is the easiest way to deal with them, but that just sends their autodialers onto the next unfortunate victim. Roger Anderson decided that telemarketers deserved a crueler fate, so he programmed an artificially intelligent bot that keeps them on the line for as long as possible.
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Edward Harris

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Obamacare is starting to show signs of implosion as major carriers (UnitedHealthcare, Aetna, Humana) and several smaller companies threaten to boycott the 2017 Marketplace. In addition to elimination broker compensation, many signs point to the fact that they want no part subsidized plans.

The elimination of some SEP situations (see article) may help, since so much money is lost on these policies.

#Healthcare   #Obamacare  
The government will be taking several steps to prevent consumers from gaming the insurance market by waiting until they are sick before getting coverage under the Affordable Care Act.
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Skip Health Insurance, Pay Your 2.5% Income Tax Penalty, And You Beat The System!

Well, not really. If you have a major claim, or perhaps just a few minor medical issues, you will probably regret your decision.

Purchasing a non-compliant short-term plan (cheap, but does not cover pre-existing conditions) is a better alternative if you can't fathom enrolling in a regular plan.

#Healthcare  

#financialplanning  
Expensive premiums and high deductibles for policies sold under the Affordable Care Act make tax penalties the preferred option for some resisters.
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Unreal.

I bet the out of pocket / deductible is reasonable too. ( snark). 
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Healthcare Subsidies

Yes, they're free...Although someone else may be paying it. 

If you qualify for an ACA subsidy, it's critical that you match your projected income from the prior year, to your actual income. You may owe a lot, or pay a lot!

And yes, you can adjust your subsidy after Open Enrollment ends, if there was  major income change.

Kaiser writes a nice article.

#Federalsubsidy   #Healthinsurancesubsidy  
KHN’s consumer columnist answers questions about the effects a change of income can have on an individual’s subsidy for insurance premiums and dental care for Medicare beneficiaries.
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Edward Harris

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Prudential to offer life insurance coverage to HIV-positive applicants.

Of course, it appears only 10 and 15-year term contracts will be offered (not 20 or 30). But still, it will give HIV-positive customers a chance to purchase the least expensive type of life insurance.

Rates and underwriting guidelines have not yet been released. Don't expect premiums to be low. A surcharge and non-standard table rating will certainly apply.

#lifeinsurance   #hivpositive  
The move signals growing recognition of HIV/AIDS’ transformation from a death sentence to a serious but manageable disease.
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Open Enrollment Has Arrived!

A few short tips:

You have until December 15th to secure a January 1 effective date.

Your federal subsidy is based on your 2016 projected household income, not 2015 income.

Always consider Silver-tier plans, which are often more cost-effective than Bronze-tier options.

Use an experienced broker, and not a "navigator.'  Why? Vast differences in experience and knowledge. By law, navigators CAN NOT recommend a specific plan or discuss off-Exchange options. The exception is if you do not have access to a computer. Then - -Use a navigator.

Your rate changed from last year. Compare different plans.

*Your networks may have changed. Verify that your providers are still "in-network."

#healthcare   #openenrollment  
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Edward Harris

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Good article on "short-term" health insurance options. If you missed Open Enrollment, that may be your best option, unless you qualify for a "Special Enrollment Period" exception.

Temporary plans are cheap, can be approved within 24 hours, and can be kept for as long as 12 months. Of course, pre-existing conditions are not covered and federal subsidies do not apply. And of course, since short-term plans are  not #Obamacare approved, the 2.5% federal tax penalty applies.
#CheapHealthInsurance   #MissedOpenEnrollment  
Columnist Emily Bazar answers a consumer's question: "You could get one of these plans, pay the uninsured tax penalty and still pay less."
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State-run health insurance Exchanges rarely work. Often they are mismanaged, with major cost overruns. So, no surprise here.

#Kentucky   #KentuckyHealthInsurance  
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Deadline To Apply For Health Insurance

Today (December 15th) is the deadline if you want a January 1 effective date. Typically, I can enroll customers in 15 minutes. If someone prefers to apply through the dreadful healthcare.guv website, it generally takes 25-60 minutes.

And sometimes...Hours AND HOURS AND HOURS. You see, the government website was non-responsive much of yesterday and many issues are reportedly still not corrected. This is the third year in a row that problems have resulted at this time.

An SEP (Special Enrollment Period) exception is typically granted for anyone that attempted to apply on the 15th (or prior) and was not able to enroll because of "technical malfunction." 

#healthcare   #openenrollment   #obamacare  
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Deadline extended by a few days. Sound familiar?
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No More Obamacare!

Well...Not yet, and probably won't happen. But the ACA  Legislation needs tweaking and adjusting. If we don't see material changes within a few years, UnitedHealthcare won't be the only insurer threatening to stop writing individual and family healthcare coverage (non-group).

#Obamacare   #healthcare  
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Republican plan for heath care is.........................DIE QUICKLY...................     #gop  
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UnitedHealthcare, as most of us in the business predicted, may exit the Marketplace and specialize in off-Exchange plans.

When you guarantee coverage to everyone, don't enforce SEP exceptions, and eliminate state risk pools, this happens.

#healthcare
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In-Network Healthcare - Don't Leave It!

Nice article detailing a trend we all knew would happen with Obamacare (ACA Legislation). Although the number of network providers is often dwindling on your health insurance plan, out-of-network choices are reducing at a far more alarming pace.

It's all about negotiated discounted pricing. And the trend will continue.

#healthcare   #HealthInsurance  
Two studies analyze the decline in PPO plans that provide some coverage when patients seek care from doctors, hospitals and other providers that are not on the plan’s network.
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Work
Occupation
Car And Health Insurance Broker - Health Exchange Advisor
Skills
Since 1980, I have been helping consumers compare and apply for quality affordable insurance from the major US carriers. My expertise and unbiased recommendations help individuals, families and businesses find the lowest available rates for their coverage.
Employment
  • pahealthinsurancecoverage.com
    Owner, 1981 - present
    Operate day-to-day operations of the Pahealthinsurancecoverage.com website. Compare Pennsylvania health insurance rates and provide consumers with the lowest prices from each of the major carriers.
  • Ohioquotes.com
    Owner, 1980 - present
    Operate day-to-day operations of the Ohioquotes.com website. Compare Ohio health insurance rates and provide consumers with the lowest prices from each of the major carriers.
Places
Map of the places this user has livedMap of the places this user has livedMap of the places this user has lived
Currently
Ohio
Previously
Harrisburg, Pa
Story
Tagline
Affordable Health and Car Insurance Rates - State Healthcare Exchange Broker
Introduction

Edward Harris is a health insurance and car insurance broker with more than 32 years of experience. He maintains and operates some of the nation's most respected websites discussing healthcare and consumer car insurance.

His expert guidance and recommendations have helped thousands of customers find quality coverage and benefits at the absolute lowest available rates.

As an Ohio resident, he is the owner and founder of www.Ohioquotes.com which is the most respected medical or Exchange resource in the Buckeye state. Individual and family medical plan quotes can be instantly viewed online and expert guidance is provided regarding both private and small business plans.

Among the top-rated carriers he represents include Anthem Blue Cross, Aetna, UnitedHealthcare, Medical Mutual and Humana. Comprehensive, catastrophic, HSA, student and short-term plans are available.

Edward writes and edits numerous high profile blogs and also maintains leadership positions in local business and community matters.

Harris will be helping individuals and families when the State Health Exchanges become effective in 2014. At that time, all medical plans will be guaranteed issue and tax credits could substantially reduce the price of many policies.

www.Pahealthinsurancecoverage,com is his Pa medical website that specializes in helping residents of Pennsylvania. He represents major carriers such as Keystone, Highmark, Aetna and many other reputable insurers.

His website provides affordable Pa medical coverage to individuals, families and small business owners. Within minutes, consumers can compare and apply for benefits with the top US carriers.

Ed is originally from Harrisburg and still maintains close ties to the Keystone state. Many of his relatives are still living there. He isn't though!

Google+ Communities I Moderate

Ohio Health Insurance Exchange

Pa Health Insurance Exchange

Bragging rights
Married with two children. Great tennis player. Awful golfer. Past winner of the Sporting News Fantasy Football Contest, finishing 1st out of 96,000 players. Annually "Walk Across America" for charity. Voted "One Of The Ten Worst Golfers On Campus" while at Miami.
Education
  • Miami University
    Finance/Journalism
  • Miami University
Basic Information
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Male
Other names
Ed Harris (not the actor)
Edward Harris's +1's are the things they like, agree with, or want to recommend.
When I'm King Of The Insurance Universe, This Is What I'll Do
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When I'm king of the insurance universe, I'll make a lot of changes. Here are a few of them:

Pa Health Insurance Quotes | Affordable Pennsylvania Health Insurance Rates
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Pa Health Insurance Quotes. Compare and apply for the lowest individual and family quotes from the top Pennsylvania health insurance compan

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Pennsylvania Independence Blue Cross Keystone East HMO plans. Affordable health insurance for Philadelphia area residents. Instantly compare

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Create AccountSign In. Home. BrowseMoviesUpload. Hey there, this is not a commercial interruption. You're using an outdated browser, whi

Budget Health Insurance Rates In Ohio
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Learn about health insurance plans in Ohio that are easy on your budget and provide low rates and quality coverage. Ohioquotes.com allows yo

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A year from now, in January 2014, new health insurance exchanges (HIX) will offer coverage to individuals and small-business employees. Part

Affordable Indiana Health Insurance Rates
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Affordable Indiana health insurance quotes. Compare individual and family Indiana medical plans and apply online.

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Affordable Major Medical Health Insurance Rates. Low cost health insurance coverage from the top companies. View individual and family medic

Highmark Blue Cross Blue Shield High Deductible Rates | Pennsylvania Hea...
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Highmark Blue Cross Blue Shield High Deductible Rates. Apply for low cost Western Pennsylvania HSA coverage.

Connecticut Car Insurance Quotes
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Connecticut short term health insurance plans are extremely affordable and are the perfect fit for families or individuals that need medical

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Indiana health insurance comparisons from the top companies. Compare affordable rates for individual and family health insurance in Indiana.

Major Medical Insurance Policy
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Major Medical Insurance Policy - Majormedicalhealth.com is the nation's premier resource for affordable major medical coverage from the top

2011 Walk Across America For Groats Disease | Facebook
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Walk Across America For Groats Disease wrote a note titled 2011 Walk Across America For Groats Disease. Read the full text here.

DAYTON OHIO HEALTH INSURANCE - Ohio Health Insurance
www.ohioquotes.com

Body Mass Index (BMI) is a number calculated from a person's weight and height. BMI is a reliable indicator of body fatness for people.

Dayton Ohio Health Insurance
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Dayton Ohio health insurance quotes. Compare affordable Ohio health insurance plans in the Dayton area and apply for a policy.

Walk Across America For Groats Disease
www.youtube.com

Walk Across America For Groats Disease begins March 2st from Ohio. This is the third "Walk" and with the millions of dollars raised, we hope

I stopped there today for the first time and ordered a Gyro. Meat was tender and tasty and onions were done just right. My wife enjoyed the potato salad as well. And I met Mr. Scruffy himself! I will certainly be back.
Public - 10 months ago
reviewed 10 months ago
Very good meal last night. The Chicken Marsala had a very good taste and the chicken was tender. The mashed potatoes were a bit bland and I wish roasted potatos were an option. Price is as expected and service was very good.
Public - a year ago
reviewed a year ago
Fresh as always and soup seemed home-made instead of canned. It was crowded but line moved fast. Not 5-star food, but good lunch option.
Public - a year ago
reviewed a year ago
We have been banking there for many years and have multiple accounts there (us and kids). Friendly staff and close to home. Can't ask for more.
Public - a year ago
reviewed a year ago
42 reviews
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Without question, the top Ohio health insurance agency in the state. Of course, I am a bit biased.
Public - a year ago
reviewed a year ago
Very good experience. Clean, attentive staff and well-maintained. Dining room is well-staffed and food is decent. Only the best for my Mother!!!
Public - a year ago
reviewed a year ago
Definitely a good pizza. We like thin crust and they made it perfectly. Not too crispy and plenty of meat and cheese. Crowded when we there but I guess that's a good sign!
Public - a year ago
reviewed a year ago