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The health insurance reform bill referred to as the Affordable Care Act calls for the creation of state-based Health Insurance Exchanges. This all-day confer…

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Question by Ash: Health insurance help?
So I applied to see if I qualify for the health care assistance based on income. If I do qualify how good is the coverage? Initially I assumed it would be awful so I applied for different insurance at $ 166 a month but it doesn’t kick in until may. Can I cancel that insurance before making a payment? If I don’t pay will it automatically cancel the plan? It would really help if I could find any information on the coverage of the income based health insurance!
I am talking about obamacare, yes, and I’m pretty sure I do fall below the income level so I would receive lower payments of 25 a month. But the 166 dollar per month one is a 750 deductible and no copays on anything, it works at hospitals and clinics near me. If I knew (or could find) all of the information about what kind of copays to expect on the cheaper obamacare plan versus my more expensive plan then I could make a decision. Has anyone been approved for the income based obamacare and knows the copays and coverage?

Best answer:

Answer by angie
Im not to sure but I will just call and cancel instead of having to owe the insurance company nobody wants a bad record of not paying so just call and cancel or call and see what your options are

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Health Insurance Exchange: What Is a PPO and HMO?

Be sure to check out for more information around reform | Both PPO and HMO insurance plans offer similar coverage, but. Understanding Health Insurance: You’v…
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2-Year Protection Plan plus Accident Coverage for Kindle Fire HDX 8.9″ Wi-Fi

2-Year Protection Plan plus Accident Coverage for Kindle Fire HDX 8.9

  • Your card will be charged immediately, but accident coverage starts when Kindle is shipped
  • Receive a replacement device 2 to 3 days after you make a valid claim
  • Extends mechanical and electrical breakdown coverage
  • Make up to 3 claims during the term of your warranty
  • Cancel anytime, full refund in first 90 days
  • Fully transferable with gifts
  • No deductibles or shipping fees

Canopy logo


“Why pay for a replacement when you don’t have to?”

Get a Canopy Protection Plan

Coverage includes Free replacement, and No deductibles

What’s Included:

  • Coverage against mishaps like drops, spills, and cracked screens (Accidental damage from handling or ADH)
  • Mechanical or electrical breakdowns coverage begins after the expiration of the manufacturer’s limited warranty period
  • Battery replacement coverage (if the maximum charge falls below half of the original potential)
  • Zero deductibles
  • See the terms and conditions for complete details

Canopy Coverage

2 Years of Drops, Spills, and Cracked Screen (ADH) Coverage for your Kindle and more.
We all know accidents happen. With the 2 Year Plan that includes coverage for drops, spills and cracked screens for your Kindle, your product is protected.

In addition to drops, spills, and cracked screen coverage, the 2 Year Plan also covers your product against electrical and mechanical breakdowns, after the 1 year manufacturer’s limited warranty provided by Amazon ends. This plan also includes battery replacement if the maximum charge falls below one-half of it’s original potential.*

Easy Claims Filing
Start by calling 888-280-3383, 6am to 10pm PT, 7 days a week and for approved claims we will send you a replacement Kindle so you will not be without your device for long.

Advance Exchange:

Failed Kindles: Canopy will ship a replacement Kindle to you. You will also receive a pre-paid shipping label to send back the broken Kindle. A valid credit card is required on file to process an advance exchange. If you don’t return the failed Kindle within 30 days, you will be charged the price of the replacement device, not to exceed the original purchase price. Simply return the failed Kindle within 30 days to avoid any charges.*

*Please read the terms and conditions for complete details.

Coverage Chart

From the date your Kindle is shipped Year 1 Year 2

Accidental Damage from Handling

Damage from drops, and cracked screens


Accidental Spills

Liquid damage


Battery Charge Failure

If maximum charge falls below half the original potential



In mechanical and electrical

Covered by manufacturer


In material and workmanship

Covered by manufacturer
For more details on the manufactuer’s coverage, see the Kindle Manufacturer Limited Warranty.

Here’s How Your Canopy Plan Works

Shopping Cart   Simply add a Canopy Protection Plan to your shopping cart and check out! You will receive an email confirming your purchase. If you ever need to make a claim just follow the simple steps below.

Great Plan Features

  • Great Value
    Canopy provides you 2 years of protection against drops, spills, and cracked screens (ADH) for your Kindle. We even protect your Kindle from internal battery failure, failures arising from heat, dust, humidity, and power surges along with extending the manufacturer’s limited warranty.
  • No deductibles
    You never have to worry about any deductibles with Canopy. We even pay for the shipping on claims!
  • Cut the Paperwork
    Your Kindle is automatically tied to your plan purchase. There is no additional registration that is needed.
  • Cancel Anytime
    You can cancel your Canopy Protection Plan by calling Canopy at 888-280-3383. If you cancel this plan within the first 90 days after purchase you will receive a full refund of the price of the plan, provided you have not made a claim. Otherwise, we will calculate the pro-rated premium for the period less any claims that have been paid.
  • No-Cost Transfer
    If you sell the Kindle or give it to someone as a gift, you can transfer the plan at no cost.
  With over 250 million
service contracts in effect,
our customer rating
represents a lot of
happy people.

What To Expect After Purchase

Upon plan purchase, you will get an email containing your plan details along with your terms and conditions. This is your official confirmation of your purchase. We will also send you a welcome letter and a paper copy of your terms and conditions via mail.

For device pre-orders, we will mail your welcome letter after your Kindle ships from Amazon

Start Date:

For Kindles purchased on
Your protection plan lasts 2 years from the date your Kindle ships. The Term of this plan will be extended by an additional two (2) weeks to allow for product delivery.

For Kindles purchased at an authorized retailer other than
Your protection plan lasts 2 years from the date you purchased your plan.

For questions or assistance, please call 888-280-3383 from 6am to 9pm PT, 7 days a week or email us at

*Limitations and exclusions apply. See the terms and conditions for complete details.

  Return Shipping

List Price: $ 89.99

Price: $ 89.99

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Cincinnati, OH (PRWEB) February 25, 2014

HORAN Capital Advisors (HCA), an SEC registered investment advisory firm dedicated to high-net worth and institutional asset management clients, is proud to welcome Dale Wiethe as a Senior Portfolio Manager.

Dale has been in the investment management business for 23 years, and has held the position of portfolio manager for high net worth individuals, foundations, endowments, corporate pension and profit-sharing plans. He has extensive experience with asset allocation and portfolio construction, security analysis and investment policy statement development.

Dales investment philosophy parallels that of HORAN Capital Advisors which will further strengthen the level of service the organization has demonstrated since being founded, said Terence L. Horan, CLU, ChFC, Managing Principal of HORAN Capital Advisors. We are happy to welcome Dale to the organization and continue to have great pride in the commitment HORAN Capital Advisors has to its respective clientele.

Prior to joining HORAN Capital Advisors, Dale spent many years at several regional banks before joining Merrill Lynch. Before Dale entered the portfolio management field, he worked for a large family conglomerate in the Accounting and Treasury divisions doing credit analysis, foreign exchange trading and financial analysis.

I believe the greatest rewards of this business are the lifetime of learning and client interaction aspects, said Dale Wiethe. I enjoy helping clients determine their goals and understand how investment markets fit in to achieving those goals. HORAN Capital Advisors is a great fit for me because of our shared philosophy that the investment advisory business is about providing clients with the best position to grow, sustain and protect their wealth.

He holds a Bachelors of Business Administration degree in Finance, Insurance and Real Estate and a Masters of Business Administration in Finance. Dale received both of his degrees from the University of Cincinnati.

HCA provides investment management services to investors by customizing portfolios with investment securities in equity, fixed income and alternative investments. HCAs senior professionals have broad experience managing individual portfolios for business executives, family trusts and institutional accounts.

About HORAN Capital Advisors

HORAN Capital Advisors (HCA) is a Cincinnati based registered investment advisory firm. HCA provides investment management services to investors by customizing portfolios with investment securities in equity, fixed income and alternative investments. HCAs senior professionals have broad experience managing individual portfolios for business executives, family trusts and institutional accounts.

By design, the HCA active approach incorporates all aspects of planning, including generational wealth transfer strategies, charitable and tax efficient investment planning and risk management solutions. The objective is to develop customized investment portfolios for clients with a foundation based on valuations, fundamentals and income.

HCA believes the investment advisory business is about positioning clients to grow, sustain and protect their wealth. HORAN Capital Advisors is independent and fee-only to ensure objectivity. HCA partners with other advisory relationships such as estate planning attorneys, accountants and private bankers.

Visit to learn more.


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Question by Joel: i need hip replacement surgery with no insurance?
diagnosed with avascular necrosis. insurance coverage not available at job. denied tenn care

Best answer:

Answer by Kraftee
Beginning Oct. 1 the insurance exchanges will be rolled out. To find out what the impact will be on people like you, try this web site that tells you based on things like your age, gender, income, etc.

You can also read the info available at to get you started.

Below, I’ve copied some basic info that explains the changes and what your benefits might be.

Starting October 1, 2013, you can shop through the Health Insurance Marketplace for coverage beginning in 2014. The Health Insurance Marketplace is a new way to compare and buy health plans and to get your health coverage questions answered. Through the marketplace you can:

Shop online and get help by phone or in person to find the plan that works for you and your family.
Compare health plans. Health plans will now offer four different tiers, known as metal levels. The tiers allow you to more easily compare plans and costs “apples to apples.”
Find out what kind of financial help you may be able to get to buy health coverage.
There Are New Options to Help You Pay for Your Health Coverage

The Health Insurance Marketplace can help you find out about financial help to pay for your coverage. The amount of financial help is based on your family size and income.

You may be able to get a new type of tax credit to help with the cost of your monthly premium.
You may also be able to get a subsidy to help pay for costs like deductibles and copayments.
Your Coverage Has a Core Set of Benefits

Plans must cover certain health care services.

Plans must cover certain important health care services, including:
Doctor visits
Emergency room care
Hospital visits
Maternity and newborn care
Mental health and substance abuse treatment
Prescription drugs
Rehabilitative and habilitative services and devices
Laboratory services
Preventive and wellness services and chronic disease management
Pediatric services, including oral and vision care.
Your plan covers more preventive care. For example, health screenings and tests for colon cancer, diabetes and heart disease are now covered if they are recommended for you. See the full list of preventive services.
You Have More Consumer Protections

The health care law makes sure your coverage works for you when you get sick, no matter which plan you choose.

Your health plan can’t deny you coverage because of health problems you had before your insurance started (known as pre-existing conditions).
Your health plan can’t drop your coverage if you get sick.
Your health plan can’t put annual or lifetime dollar limits on how much it will pay for most of your medical bills.
Your health plan can’t charge you more because of your gender or if you get very sick.
Health Coverage Goes Further

The health care law makes sure health coverage goes further than it did before, no matter what plan you choose.

You can keep your children on your family plan until they reach age 26—even if they don’t live at home, are married or attend school.
Your plan must spend at least 80 cents of every dollar on health care rather than on administrative costs (costs that are not related to your care).
There are limits on what your plan can make you pay for your deductible, copayments and coinsurance.
Beginning in 2014, most people must have health coverage. Most coverage available meets the requirement to have health insurance, including Medicaid, Medicare, TRICARE or veteran’s coverage; a plan through an employer; or coverage offered through the Health Insurance Marketplace. People who don’t get health insurance may have to pay a penalty. Check with the Health Insurance Marketplace or call (800) 318-2596, to learn more.

If you are new to the United States and living here legally (sometimes called lawfully present immigrants), you can purchase coverage through the Health Insurance Marketplace. Undocumented immigrants are not allowed to purchase coverage through a health insurance marketplace, even if they pay the full cost of coverage.

Get More Information

Remember: If you are not able to get health coverage through your work, you can buy health care insurance through the Health Insurance Marketplace.

Visit the Health Insurance Marketplace or call (800) 318-2596 to learn what new options are available to you and whether you can get help in paying for your coverage.

What do you think? Answer below!

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Sen. Vick.
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Question by Average Joe: Will president Obama make the health plan of members of congress available to all americans?
I’m a little confused about Obama’s health care plan. Now that he’s the next president I’d like someone to explain his health care plan to me like you would explain it to a 4-year old. I read that he wants to create some kind of a National Health Insurance Exchange which sounds a little strange to me (I hope I’m the only one?). How would this make health care more affordable?

Best answer:

Answer by blaze027
We’ll never have national health care….presidents have tried it for years.

I hope he does something, but you must realize that America pays more per capita than ANY OTHER COUNTRY for providing healthcare to people. We will never fix the healthcare issue until we fix the illegal immigrant issue. We are insuring 40 million illegals right are we to afford all of the legal citizens when our money is now going to insure illegal immigrants. I read an article recently that said in California alone, way back in 1994, we spent almost 300 million dollars just on births of babies born to Illegals…almost 74K births. I would hate to see what the numbers are in 2008. We have free healthcare, but it’s going to illegal immigrants right now. In California, if you are low income, you can sign up for medical, or basic adult healthcare, and kids get free through medical. We also have a program where you can buy insurance based on your income.

I’m worried if he implements his healthcare plan, my family might lose their insurance through our employer because our employer will know we can buy it on our own through the government….which we really can’t afford to do for 5 people.

The healthcare issue will not be fixed for many years, until all of our money stops going to support illegal immigrants. Even when you can buy it under an Obama plan…you will still have to BUY it!

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