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	<title>Atlanta Planning Guys &#187; Health Insurance</title>
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	<description>Atlanta Planning Guys is an informal blog  in which CERTIFIED FINANCIAL PLANNER™ professional, Cass Chappell , of Chappell Financial Group,  shares his ideas and opinions with the general public.</description>
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		<title>Healthcare Reform – Good news for those with pre-existing conditions in Georgia</title>
		<link>http://atlantaplanningguys.com/?p=1199</link>
		<comments>http://atlantaplanningguys.com/?p=1199#comments</comments>
		<pubDate>Mon, 18 Oct 2010 17:40:15 +0000</pubDate>
		<dc:creator>Cass Chappell, CFP®</dc:creator>
				<category><![CDATA[Health Insurance]]></category>
		<category><![CDATA[Insurance]]></category>
		<category><![CDATA[Georgia health insurance]]></category>
		<category><![CDATA[Georgia Individual Health Insurance]]></category>
		<category><![CDATA[Health Care Reform]]></category>
		<category><![CDATA[PCIP]]></category>
		<category><![CDATA[Pre-existing Condition Insurance Plan]]></category>

		<guid isPermaLink="false">http://atlantaplanningguys.com/?p=1199</guid>
		<description><![CDATA[Affordable Care Act gives an option to those for whom healthcare was previously unavailable.
**This post does not address issues for those with Medicaid**
In March of 2010, Congress passed, and President Obama signed, the Affordable Care Act.  This law created a new program, the Pre-Existing Condition Insurance Plan (PCIP), which makes individual health insurance available if [...]]]></description>
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		<title>5 Ways to Stay Informed, and Save, on Health Care Coverage</title>
		<link>http://atlantaplanningguys.com/?p=1095</link>
		<comments>http://atlantaplanningguys.com/?p=1095#comments</comments>
		<pubDate>Mon, 26 Jul 2010 16:14:24 +0000</pubDate>
		<dc:creator>Charles Mayfield, CFP®</dc:creator>
				<category><![CDATA[Health Insurance]]></category>
		<category><![CDATA[Insurance]]></category>
		<category><![CDATA[Brand Formulary]]></category>
		<category><![CDATA[co-pays]]></category>
		<category><![CDATA[coinsurance]]></category>
		<category><![CDATA[deductibles]]></category>
		<category><![CDATA[Group health insurance]]></category>
		<category><![CDATA[health care]]></category>
		<category><![CDATA[health care expenses]]></category>
		<category><![CDATA[health care reform effects]]></category>
		<category><![CDATA[Health Insurance Network]]></category>
		<category><![CDATA[insurance deductible]]></category>
		<category><![CDATA[Insurance gotchas]]></category>
		<category><![CDATA[Major Medical Claim]]></category>
		<category><![CDATA[Network benefits]]></category>
		<category><![CDATA[Obamacare]]></category>
		<category><![CDATA[prescription coverage]]></category>

		<guid isPermaLink="false">http://atlantaplanningguys.com/?p=1095</guid>
		<description><![CDATA[Health Insurance has certainly been a hot button for many Americans in recent months.  Premiums continue to climb and so many questions remain unanswered regarding the recently passed health care reform—the effects of which may not be seen for years to come.
This week, we’d like to identify some of the most common mistakes, oversights and/or [...]]]></description>
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		<title>Cobra Update</title>
		<link>http://atlantaplanningguys.com/?p=611</link>
		<comments>http://atlantaplanningguys.com/?p=611#comments</comments>
		<pubDate>Mon, 11 Jan 2010 15:26:14 +0000</pubDate>
		<dc:creator>Charles Mayfield, CFP®</dc:creator>
				<category><![CDATA[Health Insurance]]></category>
		<category><![CDATA[Insurance]]></category>
		<category><![CDATA[American Recovery and Reinvestment Act]]></category>
		<category><![CDATA[ARRA reimbursement]]></category>
		<category><![CDATA[cobra]]></category>
		<category><![CDATA[Cobra Continuation]]></category>
		<category><![CDATA[Cobra subsidy]]></category>
		<category><![CDATA[continuation]]></category>
		<category><![CDATA[new Cobra law]]></category>

		<guid isPermaLink="false">http://atlantaplanningguys.com/?p=611</guid>
		<description><![CDATA[ 
The American Recovery and Reinvestment Act was amended on December 19th, 2009 (ARRA).  The ARRA has a provision that allows for the reimbursement of 65% of the premiums attributable the extension of health benefits for involuntarily terminated employees seeking to extend their coverage under Cobra.  Prior eligibility requirements allowed for this reimbursement if you were [...]]]></description>
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		<title>Healthcare Reform – Quit yelling!  It’s time for an open, honest, constructive discussion</title>
		<link>http://atlantaplanningguys.com/?p=356</link>
		<comments>http://atlantaplanningguys.com/?p=356#comments</comments>
		<pubDate>Mon, 10 Aug 2009 22:07:07 +0000</pubDate>
		<dc:creator>Cass Chappell, CFP®</dc:creator>
				<category><![CDATA[Health Insurance]]></category>
		<category><![CDATA[Insurance]]></category>
		<category><![CDATA[cobra]]></category>
		<category><![CDATA[Georgia health insurance]]></category>
		<category><![CDATA[healthcare debate]]></category>
		<category><![CDATA[Healthcare reform]]></category>
		<category><![CDATA[rising healthcare costs]]></category>
		<category><![CDATA[town hall meetings]]></category>

		<guid isPermaLink="false">http://atlantaplanningguys.com/?p=356</guid>
		<description><![CDATA[ Note from the author: Other than offering that something needs to be done and that we could go about it in a more constructive manner, I have intentionally attempted to leave my opinion out of this posting.
I have just returned from a golf trip with friends.  One of them asked me what I thought about [...]]]></description>
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		<title>Are you ready for the Health Care Crisis?  Part 3- Final Thoughts</title>
		<link>http://atlantaplanningguys.com/?p=272</link>
		<comments>http://atlantaplanningguys.com/?p=272#comments</comments>
		<pubDate>Mon, 11 May 2009 14:11:42 +0000</pubDate>
		<dc:creator>Charles Mayfield, CFP®</dc:creator>
				<category><![CDATA[Health Insurance]]></category>
		<category><![CDATA[Insurance]]></category>
		<category><![CDATA[coinsurance]]></category>
		<category><![CDATA[diet and exercise]]></category>
		<category><![CDATA[emergency room visits]]></category>
		<category><![CDATA[good health habits]]></category>
		<category><![CDATA[group insurance]]></category>
		<category><![CDATA[health benefits]]></category>
		<category><![CDATA[Healthy Lifestyle]]></category>
		<category><![CDATA[individual plans]]></category>
		<category><![CDATA[smart decisions]]></category>
		<category><![CDATA[staying hydrated]]></category>

		<guid isPermaLink="false">http://atlantaplanningguys.com/?p=272</guid>
		<description><![CDATA[ 
 
 
So we have covered some important things to consider when choosing or designing your health care plan.  In addition to figuring out networks, deductibles and co-pays, there are several underlying themes that transcend most every health insurance plan.  These simple guidelines, over the long run, will help you keep health insurance costs under control and [...]]]></description>
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		<title>Are you ready for the Health Care Crisis? Part 2- The Network</title>
		<link>http://atlantaplanningguys.com/?p=258</link>
		<comments>http://atlantaplanningguys.com/?p=258#comments</comments>
		<pubDate>Mon, 04 May 2009 15:44:03 +0000</pubDate>
		<dc:creator>Charles Mayfield, CFP®</dc:creator>
				<category><![CDATA[Health Insurance]]></category>
		<category><![CDATA[Insurance]]></category>
		<category><![CDATA[health care]]></category>
		<category><![CDATA[health care expenses]]></category>
		<category><![CDATA[health coverage]]></category>
		<category><![CDATA[health screening]]></category>
		<category><![CDATA[HMO]]></category>
		<category><![CDATA[OB/GYN]]></category>
		<category><![CDATA[physicians]]></category>
		<category><![CDATA[POS]]></category>
		<category><![CDATA[PPO]]></category>
		<category><![CDATA[Primary Care Physician]]></category>
		<category><![CDATA[specialists]]></category>

		<guid isPermaLink="false">http://atlantaplanningguys.com/?p=258</guid>
		<description><![CDATA[In part 1 of this series, we addressed several considerations for how your health insurance plan could be designed if you were trying to reduce your premium.  The aim of this blog is to potentially help you reduce your health insurance costs without reducing too much of the benefits you pay for.  As stated in [...]]]></description>
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		<title>Are you ready for the Health Care Crisis? Part 1 &#8211; The Plan</title>
		<link>http://atlantaplanningguys.com/?p=232</link>
		<comments>http://atlantaplanningguys.com/?p=232#comments</comments>
		<pubDate>Thu, 23 Apr 2009 21:25:54 +0000</pubDate>
		<dc:creator>Charles Mayfield, CFP®</dc:creator>
				<category><![CDATA[Health Insurance]]></category>
		<category><![CDATA[Insurance]]></category>
		<category><![CDATA[cutting costs]]></category>
		<category><![CDATA[deductibles]]></category>
		<category><![CDATA[health care]]></category>
		<category><![CDATA[health coverage]]></category>
		<category><![CDATA[HSA plan]]></category>
		<category><![CDATA[Saving Money]]></category>

		<guid isPermaLink="false">http://atlantaplanningguys.com/?p=232</guid>
		<description><![CDATA[The problems continue to mount for our health care system in the US.  What can you do about it?  Your options may not be as limited as you think.  There are a number of things you can do as an insured to curb costs.  Let&#8217;s spend some time today discussing how to make wise decisions [...]]]></description>
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		<title>Health Savings Accounts &#8211; They aren&#8217;t for everyone&#8230; but may be for many of you</title>
		<link>http://atlantaplanningguys.com/?p=106</link>
		<comments>http://atlantaplanningguys.com/?p=106#comments</comments>
		<pubDate>Tue, 03 Feb 2009 16:46:57 +0000</pubDate>
		<dc:creator>Charles Mayfield, CFP®</dc:creator>
				<category><![CDATA[Health Insurance]]></category>
		<category><![CDATA[cost savings]]></category>
		<category><![CDATA[deductibles]]></category>
		<category><![CDATA[health coverage]]></category>
		<category><![CDATA[Health savings accounts]]></category>
		<category><![CDATA[HMO]]></category>
		<category><![CDATA[HSA]]></category>
		<category><![CDATA[legislation]]></category>
		<category><![CDATA[Savings]]></category>
		<category><![CDATA[tax deductible]]></category>
		<category><![CDATA[tax planning]]></category>

		<guid isPermaLink="false">http://atlantaplanningguys.com/?p=106</guid>
		<description><![CDATA[January marks the 5 year anniversary of the Health Savings Account (HSA) legislation being passed.  I still remember, with such excitement and anticipation, making the first call to one of our clients.  The HSA was going to change the face of employee benefits and healthcare.  I was ready to champion the cause.   Let&#8217;s get a [...]]]></description>
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