Dec. 15 deadline extended!

Twitter Deadline

The Individual open enrollment deadline has been extended to December 17th at 11:59 PM PST due to consumer demand.

That means you have more time to get coverage that starts on January 1st. We have two more days to get you enrolled!

You must select a plan by December 17th for coverage starting January 1st.

Don’t want to wait on hold? Call our office today. We are here to help at NO COST to you.

(225) 622-6554

If you’ve already completed your enrollment for 2016 coverage, you’re all set and can ignore this message.

Employer Tax Penalties

Employers Who Reimburse Their Workers for Health Care Costs Will Face Massive Tax Penalties Starting July 1, 2015

Many small companies provide coverage by directly reimbursing medical costs or for the cost of private individual insurance.  Businesses do it because it is less complicated process than dealing with an official group health plan, but continuing to do so after July will cost them $100 a day fine.

The penalties will only affect businesses with less than 50 employees. Those with more than 50 employees are already required to offer a group health insurance plan.

 Employers cannot give money to an employee to purchase health insurance. Employers cannot pay for individual health insurance.

Important News About Louisiana Co-op

Let me start this out by saying, please don’t stress. I’m doing that for you, and you’re welcome.

Louisiana Co-Op made a huge announcement last week, and it’s not fun. They will no longer offer health insurance in Louisiana after December 31, 2015.

 Since the media has already gotten their hands on this, it’s no secret why Louisiana Co-Op made this decision. The Affordable Care Act has indeed helped millions of people, it’s true. But I’m a realist and the fact remains that The Affordable Care Act has hurt just as many. We are seeing increased doctor shortages, network shortages, premium increases, deductible increases, a constant state of confusion, and insurance companies going out of businesses or being acquired. The simple fact that premiums coming in vs. claims payments going out just doesn’t add up and Louisiana Co-Op can see the writing on the wall. Unfortunately, this is just the beginning.

 Here’s what you need to know today:

My team and I will work with each of you to ensure you have all of your options in a clear, concise and timely manner. (It is important that you read each email we send out. In many cases this is the most efficient way to communicate with our clients.)

 It has always been my mission to know every plan, carrier, and network – inside and out. My mission remains the same.  We will help you figure out which insurance plan works best for you and your family.

It will be a new playing field starting November 2015 when the Affordable Care Act Open Enrollment begins for new plans starting January 2016. This will mean new health insurance rates, plans, networks, and probably new insurance companies, altogether. We are basically in limbo at the moment.

 Remember, Trish Freeman Insurance Services is an Independent Agency which means we represent ALL insurance companies. Aetna, Blue Cross Blue Shield, Cigna, Coventry, Humana, UnitedHealthcare, and Vantage, just to name a few. We work for YOU, not the Insurance Company.

What can I do now?

This announcement does not affect your coverage through the end of the year. There is no need to do anything right now.

 Shopping for 2016 plans is expected to open mid October, when insurers are allowed to publicly release the full range of plan offerings for the coming year.

Remember, we are here for you and I promise we’ll guide you through this maze. There is no reason to go through this alone. We are the experts and can help walk you through this transition.  If you qualify for a subsidy, we will walk you through the MarketPlace and plan selection. If you don’t we will walk you through plan selections outside of the MarketPlace.

 You can contact us via email at or at (225) 622-6554. We are living through some crazy times, but we will get through this TOGETHER! Please rest assured that my team and I are here to serve you!

 Thank you for your continued trust and support!  I am truly honored that you continue to choose me as your INSURANCE LADY!

 Trish Freeman, The Insurance Lady

Trish Freeman Insurance Services

Humana Cost Comparison Tool

Humana’s new Cost Comparison Tool is now available to Group members on the MyHumana website to help them estimate and compare medical costs in their area prior to a procedure. The tool is designed to help members evaluate their options, understand what to expect during the course of a treatment, save time, and spark conversations with their doctor about ways to save money on healthcare.

Humana Group members can access the Cost Comparison Tool by logging onto myHumana, scrolling to “Plan Tools,” and clicking on “Cost Comparison Tool.”

Q. What is included in my estimate? What happens if I receive additional treatment during the actual procedure or service?

A. Your estimate includes costs for a specific group of procedures and services you will likely receive at a facility over the course of your treatment. If you receive any additional care during the treatment procedure or service, there will be additional medical expenses.

Depending on your plan, you may be responsible for paying some or all of those additional costs. Please note: these estimates are for informational purposes only.

Q. Should I talk with my doctor about treatments, procedures or services I saw on the Cost Comparison Tool?

A. Yes! Please talk to your doctor, dentist or other healthcare provider about what type of care is best for you. We have heard from doctors, and they actually appreciate informed questions. In addition:

  • Print your cost estimate and bring a list of questions about treatment options and costs with you.
  • If you have medical or health-related questions, contact your healthcare provider.
  • Let your provider know your plans before you take any medicine, change any medicine or stop any treatment. If you think you may have a medical emergency, immediately call 911.

Q. Will the Cost Comparison Tool tell me what healthcare I need?

A. No. The Cost Comparison Tool is for informational purposes only. It is intended to help you:

  •  Evaluate your options.
  • Understand what to expect during the course of a treatment.
  • Spark conversations with your doctor.

The information here or on any linked sites is not a substitute for the medical advice of your doctor, dentist or other healthcare provider. However, we endorse guidelines developed by health experts at federal agencies such as the Centers for Disease Control and the U.S. Department of Health and Human Services. Your doctor or dentist may use these guidelines to plan your general wellness care and other types of treatment.

National Don’t Fry Day

The National Council on Skin Cancer Prevention Encourages Everyone to Protect Your Skin Today and Every Day


The National Council Declares the Friday before Memorial Day, May 22, 2015 is “Don’t Fry Day” To Encourage Sun Safety Awareness

“To help reduce rising rates of skin cancer from overexposure to the ultraviolet (UV) rays of the sun, the National Council on Skin Cancer Prevention has designated the Friday before Memorial Day as “Don’t Fry Day” to encourage sun safety awareness and to remind everyone to protect their skin while enjoying the outdoors.”

Because no single step can fully protect you and your family from overexposure to UV radiation, follow as many of the following tips as possible:

  • Do Not Burn or Tan
  • Seek Shade
  • Wear Sun-Protective Clothing
  • Generously Apply Sunscreen
  • Use Extra Caution Near Water, Snow, and Sand
  • Get Vitamin D Safely

Instead of frying your skin in the sun today, enjoy a delicious dish of vanilla pudding instead. Coincidentally today is also National Vanilla Pudding Day!

Here are some recipes, all containing vanilla pudding,  for you to use and share with your family and friends:

Homemade Vanilla Pudding

Moms Chocolate Chip Cookies

Strawberry Delight Cake

Dessert Pizza

Life Lock

When it comes to identity theft, you may be at risk. With every card swipe, social media post and online transaction, you leave a trail of personal information that thieves could access. And identity theft isn’t just limited to the digital world. Each day, from home to work and everywhere in between, you are susceptible to identity theft. In fact, more than 1 in 20 consumers learned they were victims of identity fraud in 2012.

Enroll in Proactive Identity Theft Protection

When LifeLock detects suspicious activity within their network, they notify members before the damage is done. LifeLock detection is different than traditional credit monitoring and offers a comprehensive set of features to protect against identity theft. Legal and remediation services only help after identity theft has occurred.

LifeLock is the industry leader in identity theft protection, and offers you a peace of mind, knowing your personal information is being vigilantly monitored 24/7/365, backed by a $1 Million Total Service Guarantee.

Here you may view benefits, compare pricing and learn more about LifeLock. You will need to provide the following information to enroll: Name, Date of Birth, Social Security Number, Address, Phone Number, and Email Address.

Upon enrollment, your client will be required to provide a credit/debit card, which will be charged for the first month’s premium. Future charges will take place on the 20th of each month for the following month’s premium.

Vision Insurance

Vision insurance policies typically cover routine eye exams and other procedures, and provide specified dollar amounts or discounts for the purchase of eyeglasses and contact lenses.

Potentially high costs of routine eye examinations and prescription eyewear can be of real concern, especially for large families. You might be able to avoid at least some of these costs by looking into vision insurance.


  • Exam with dilation
  • Lenses
  • Frames
  • Contact Lenses

Humana Benefits Summary

VSP Benefits Summary


Vision insurance is a wellness benefit designed to reduce your costs for routine, preventative eye care such as eye exams, eyewear and other services.You can get a quote and apply for a Vision Insurance plan on today.


With Summer right around the corner we want to highlight Melanoma/Skin Cancer Prevention & Awareness this May.

As warm weather approaches and millions of Americans prepare to enjoy the great outdoors, the risk for UV damage of the skin increases.

Because no single step can fully protect you and your family from overexposure to UV radiation, follow as many of the following tips as possible:

  • Seek the shade, especially between 10 AM and 4 PM.
  • Do not burn.
  • Avoid tanning and never use UV tanning beds.
  • Cover up with clothing, including a broad-brimmed hat and UV-blocking sunglasses.
  • Use a broad spectrum (UVA/UVB) sunscreen with an SPF of 15 or higher every day. For extended outdoor activity, use a water-resistant, broad spectrum (UVA/UVB)sunscreen with an SPF of 30 or higher.
  • Apply 1 ounce (2 tablespoons) of sunscreen to your entire body 30 minutes before going outside. Reapply every two hours or immediately after swimming or excessive sweating.
  • Keep newborns out of the sun. Sunscreens should be used on babies over the age of six months.
  • Examine your skin head-to-toe every month.
  • See your physician every year for a professional skin exam.

The National Council Declares the Friday before Memorial Day, May 22, 2015 is “Don’t Fry Day” To Encourage Sun Safety Awareness

To help reduce rising rates of skin cancer from overexposure to the ultraviolet (UV) rays of the sun, the National Council on Skin Cancer Prevention has designated the Friday before Memorial Day as “Don’t Fry Day” to encourage sun safety awareness and to remind everyone to protect their skin while enjoying the outdoors.

Join us in recognizing these causes this May. As promoters of health and happiness we hope to provide aid and awareness to the struggles that people deal with every day. For more information on the different topics please click the links provided:

Special Enrollment Periods

The 2015 Annual Open Enrollment period has come to a close. Individuals are now limited on when and how often they are able to purchase an individual policy until the next Annual Open Enrollment period begins. Annual Open Enrollment for 2016 is currently scheduled for Nov. 1, 2015 through Jan. 31, 2016.

Individuals may be eligible for a special enrollment period if they experience a qualifying life event. Applicants may apply for coverage either On- or Off- Exchange.

OFF-Exchange Special Enrollment Periods:

To apply for coverage outside of Annual Open Enrollment, individuals must experience a qualifying life event listed below. Unless specifically stated otherwise, a qualified individual or enrollee has 60 days from the date of the triggering event to select a Health Plan.


  • Marriage
  • Birth or Adoption
  • Divorce
  • Relocating
  • Losing minimum essential health coverage
  • Loss of employer-sponsored health coverage
  • Loss of coverage for a dependent
  • Death of the policy holder
  • Cobra expiration
  • Medicaid or CHIP Expiration
  • Health plan decertified
  • No longer incarcerated
  • Gaining status as a citizen, national or lawfully
  • Change in income that results in an individual determined newly eligible or newly ineligible for tax credits
  • Change in eligibility for cost-sharing reductions
  • Return from active military service

A Special Enrollment Period Authorization Form MUST ACCOMPANY THE INDIVIDUAL APPLICATION for consideration of an off-Exchange special enrollment period. The individual will receive a first-of-the-month affective date following the processing of the application.

ON-Exchange Special Enrollment Periods:

According to, individuals may buy a private health plan through the Marketplace outside Annual Open Enrollment only if they qualify for a special enrollment period due to a qualifying life event such as marriage, birth, or adoption of a child, or loss of other health coverage.