Fourie was named one of the top “Women in Business in the Triangle” in 2003 by the Triangle Business Journal and was also named one of the “Top Women of Western Wake” in 2007 by Cary Magazine. She is also active in the community; serving on the Governor’s Task Force for Healthy Carolinians and is the Treasurer of the Healthy Carolinians Foundation Board. She is a sponsor of the North Carolina Center for Non Profits and supports The Triangle Area Chapter of the American Red Cross, Hospice of Wake County and Prevent Child Abuse of North Carolina.

“It is an honor to be recognized as a leader among such esteemed business owners,” said Fourie. “Many thanks to my team for their support in growing our business.”

About Fourie Insurance
Fourie Insurance specializes in health insurance for employee groups and individual health insurance, including long-term and short-term disability, life insurance, long-term care, and retirement planning. The agency focuses on building personal, lasting relationships with clients and establishing strategic partnerships with businesses they serve. With over 20 years of experience serving North Carolina, they advise customers on cost-effective insurance solutions that minimize risk. For more information, visit http://www.fourieinsurance.com or call 919-481-1815.

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Built on a content management system (CMS), the new site provides flexibility to refresh content easily and post new information quickly. It emphasizes the firm’s goal: to help businesses, families and seniors find the right insurance coverage so that they can enjoy security and peace of mind.

The new site showcases the refreshed brand identity developed for the firm. Additionally, the new site will serve as an information source for consumers and business owners on insurance topics through the built-in blogging capability.

Judy Fourie, President of Fourie Insurance said, “I am excited about the company’s refreshed brand identity and our updated website. We can now better communicate how we can help clients achieve their personal and professional goals through careful and intelligent insurance planning.”

About Fourie Insurance
Fourie Insurance is a full-service independent insurance agency focusing on businesses, individuals and seniors. With over 20 years of experience serving North Carolina, they are focused on advising customers on cost-effective insurance solutions that minimize risk. For more information, visit http://www.fourieinsurance.com or call 919-481-1815.

He or she would have to pay whichever is greater: $695 for each uninsured family member, up to a maximum of $2,085; or 2.5 percent of household income. However, the individual mandate is supported by federal subsidies which support lower and middle classes.

Beginning in 2014, people who are unemployed, self-employed, or work for businesses that don’t offer insurance are able to shop for coverage in health exchanges. About 25 million people are expected to shop for coverage in exchanges. And of these 25 million, about 19 million are predicted to be eligible for aid. The cutoff point would be an income of four times the federal poverty level. For an individual, that’s about $44,000 a year. For a family of four, the figure is about $88,000.
Subsidies will be figured on a sliding scale; people who make three or four times the poverty level would get enough federal money so that they would pay no more than about 10 percent of their income for health insurance. The federal subsidy would go straight to the insurer; it would look like a discount on the policy to the customer.

Do you need affordable insurance that meets your needs right now? Give us a call at 919.481.1815 to learn about your options.

Government payments to Medicare Advantage – plans that are run by private insurers and are an alternative to traditional Medicare – will be cut by $132 billion over 10 years. Medicare Advantage plans often offer extra benefits that seniors in traditional Medicare don’t receive. These extras may be dropped as Medicare Advantage plans experience budget cuts.

The bill would bolster the existing Medicare prescription-drug benefit by addressing gaps in coverage. Currently, after a beneficiary has spent $2,700 on drugs in a year, coverage stops until that same beneficiary has spent $6,154, when coverage is then reinstated.

Starting this year, seniors who are in between benefits will get $250 towards prescription drug costs from the government. Thereafter, Medicare will gradually increase the percentage of drug costs it pays within this gap. By 2020, the government will pay 75% of senior drug costs between $2,700 and $6,154.

Medicare will also begin to cover for annual wellness visits.

Need assistance with supplemental insurance? Fourie Insurance can help you review your options, give us a call at 919.481.1815 for a complimentary consultation.

If you are a firm with more than 50 employees, and do not offer health insurance as a benefit, and at least one of your full-time employees gets a subsidy from the federal government to purchase health insurance on his or her own, you would have to pay a fee of $2,000 for every one of your full-time workers. However, you can subtract the first 30 of your employees from that assessment.

Even if you do offer coverage, you might have to take some extra action to help any of your low or middle-income workers who want to buy insurance on their own. Low and middle-income workers are defined as an employee who makes less than 400% of the federal poverty level, which today is about $10,800 for an individual or $22,000 for a family of four.

If it is the case that the employee finds the company-offered insurance expensive, and their share of health premiums is more than 8% of their income (but less than 9.8%), they have the option of purchasing their own insurance through the “exchange” marketplaces that the new bill establishes.

The employer would have to provide the employee a voucher equal to what the company would have paid to provide coverage within the company plan.

Firms with more than 200 employees that offer health insurance must automatically enroll workers in the plan. Employees can opt out, but they have to make that decision.

Need an evaluation of your current business healthcare plan? Contact us at 919.481.1815 for a free assessment.

There are almost unlimited plan choices available to businesses with employees.

A comprehensive analysis of those choices along with professional expertise and guidance can go a long way in making smart decisions that result in cost savings and employee satisfaction.

My COBRA is ending and I need new health insurance…

Losing health insurance can be very scary and confusing.  Where do I start and will I be accepted and at what cost?  All these uncertainties can be addressed and solutions found that are customized to the needs of you and your family at a price that fits your budget.

My health insurance won’t cover my young adult child…

When your adult child is no longer eligible for coverage under your plan, don’t panic.  There are many affordable choices to keep your child protected for as long as needed.

I have questions about Medicare coverage…

Understanding Medicare and choosing a supplement plan is challenging and can be made easier by explanations delivered in simple terms.  Consultation with a well-informed agent will yield answers as to eligibility, benefits, and plan options.

Contact us for answers to your insurance questions.

Angela Coler, Terry’s Floor Fashions

Cary, NC

Lois Stephenson, Building Blocks Child Care Development Center

Clayton, NC

Patty Briguglio, President of MMI Associates, Inc.

Raleigh, NC

Marcia Hunter, Raleigh School of Nurse Anesthesia

Raleigh, NC