Debra Ragotskie

10/28/2016

So many negatives surrounding healthcare reform. It can be extremely daunting! Need help navigating the pitfalls? Need to create a financial safety zone? Are your family and finances protected in the event of a catastrophe? I may be able to offer solutions to create peace of mind. Whether you are a business owner, HR administrator, or an individual-message me with your concerns and lets see what we can do for you, your company, or your family!

10/25/2016

Obamacare Critical? Premiums soar? Are you, your friends or family members part of the millions being affected? I may be able to help! See how health care cost sharing with Health Excellence Select can revolutionize your health care. We can help you in any state except for PA (sorry guys). 2017 is closer than you think! This is ACA exempt! Please see www.myahe.org/ws for more information and to sign up use the code "merrill" Take CHARGE of your health care today!

http://hosted.ap.org/dynamic/stories/U/US_HEALTH_OVERHAUL_PREMIUMS?SITE=AP&SECTION=HOME&TEMPLATE=DEFAULT&CTIME=2016-10-24-17-03-27

http://www.mcclatchydc.com/news/politics-government/article110203782.html

10/18/2016

Tired of these situations? You now have no affordable health coverage and now UHC BCBS Humana etc can now meet their bottom lines! Want to know more about how to revolutionize your healthcare and not have to pay the skyrocketing costs of corporate run health insurance? 2017 is almost here! Time to revolutionize your healthcare options! Message me to learn if Health Cost Sharing is right for you and your family! https://www.yahoo.com/news/unitedhealth-profits-grow-retreat-obamacare-191343711.html

UnitedHealth Group reported strong profits and boosted its earnings forecast Tuesday helped by its controversial pullout from the Obamacare health insurance program. Shares of the largest US health insurer and health benefits manager led the Dow Jones Industrial Average higher, jumping nearly 6 perc...

10/14/2016

This IS happening folks-the struggle is about to become REAL-if it wasn't already. Have you researched ALL your options? Message me to find out more about Health Cost Sharing.
http://www.bloomberg.com/news/articles/2016-10-14/more-than-1-million-in-obamacare-to-lose-plans-as-insurers-quit

A growing number of people in Obamacare are finding out their health insurance plans will disappear from the program next year, forcing them to find new coverage even as options shrink and prices rise.

10/13/2016

If you are losing your health care coverage for 2017 and do not want to pay outrageous fees for what is left-please contact me regarding Health Cost Sharing! I will be glad to send you the information you need! Free Yourselves from the chains of health insurance and revolutionize your health care. You can enroll TODAY for a Nov 1 effective date!

10/04/2016

Folks- the healthcare exchange crisis isn't going away and I know a LOT of you have major concerns going into 2017. With those who join Health Excellence Select-we offer you a $100 gift card for referrals! This may cover your monthly! Is your health insurance sky high or going away? Health Excellence Select affords you an open access network AND low costs AND no co-pays or co-insurance. Health Care Cost Sharing is catching fire. Please consider us as you research your options. Message me for more information or to see if you and your family qualify.

09/14/2016

COMPANY OWNERS AND BENEFIT ADMINS!!! HEADS UP! Colonial Life has a very interesting product called Medical Bridge. Do you want to keep a booming benefits package to retain top talent but find you have to continue to raise deductibles to stay profitable? Medical bridge can allow you to do so AND soften the financial landing of your employees so they don't feel the high deductible pain. Everybody wins! We also offer Accident, Critical Illness, Cancer Assist and Disability -message me today to see if your company qualifies for our enhanced benefits package!

09/14/2016

Yesterday's events left me in a bit of an emotional tailspin. My poor neighbor just retired, moved here, and died a few weeks later. This begs the question AM I DOING RIGHT BY MY FAMILY? Am I doing right by myself? Will they be ok financially if I pass? or I survive a major health event? Will I be able to enjoy my retirement? Will my kids/grandkids set up to have a financial springboard?-An Indexed Universal Life Policy is a very versatile life and financial product that can afford you peace of mind in many aspects of your life. With gains that lock and never lose-isn't it about time to talk about asset growth and protection today? AND PLEASE folks-have a will set up and keep it up to date! Make sure your policies reflect any changes in familial status! Investigate setting up an IUL today! Also offering Indexed Annuities for those that cannot qualify for an IUL.

09/01/2016

I attended this class workshop and believe you deserve to learn what they teach, I would like to personally Invite you We all go to school for 12 to 16 years to learn reading, writing, and arithmetic, and Most of us are never taught How Money Works! This is an educational workshop designed to help you with ideas to grow and protect your money for: Tax Free College funding, Retirement planning, Tax reduction and Simple wealth accumulation -Sometimes with money you didn't know you had! Bring your notepad, Enjoy our Education and listen to these fundamental principles of money. Click on this link 3-7 minutes before the meeting - Click "join via video/computer" (not just audio as there will be many visual examples) https://zoom.us/j/3035797227
Join about 5 minutes before the meeting, and you will be able to say Hi and introduce yourself to the speaker.
Here's the upcoming schedule:

Sept 6, 2016- 3pm [P], 4pm [M], 5pm [C], 6pm [E] - https://zoom.us/j/3035797227
Sept 13, 2016- *Lyall Donnelly* 5pm [P], 6pm [M], 7pm [C], 8pm [E] - https://zoom.us/j/3035797227

Zoom unifies cloud video conferencing, simple online meetings, and cross platform group chat into one easy-to-use platform. Our solution offers the best video, audio, and screen-sharing experience across Zoom Rooms, Windows, Mac, iOS, Android, and H.323/SIP room systems.

09/01/2016

Happy Life Insurance Awareness Month! Are you aware that Life Insurance has evolved to be more than death insurance? Life insurance can now be used as a tax and penalty free way to build your savings, or to send the kids to college or even retire off of! Many life insurance programs also offer living benefits which insure you have asset protection in case you survive a major health catastrophe or want to have something in lieu of long term care insurance (which I HIGHLY recommend having something in place) Need to know more about how to make your life insurance work for you? Message me to find out more! Five Rings Financial has representatives in every state and we are happy to assist you with all your asset protection needs!

08/30/2016

Just enrolled a health insurance broker into Health Excellence Select. The word is getting out folks! Healthcare Cost Sharing is about to catching on. How can Health Excellence select help you?
No Co-insurance or Co-pays
Open Access Network
12 Chiropractic 12 massage visits/year
LOW monthly amounts
Personal Medical Concierge
Coaching available to meet health goals
$100 referral reward for 2-200 people (no limit)
and sooooo much more!
Brokers, Doctors and CPA's are loving us! Message me for more information!

Providing Financial Solutions for every stage of life. College savings to retirement, low cost healt

08/29/2016

Is your insurance company or your pocket book the next victim of the ACA? Would you like to have an open access network starting at $249/month while staying compliant? When was the last time your insurance company gave you $100 for referring a customer? I can assist you no matter what state (except for PA) you live in! Would you like to know more? Message me today!

https://www.washingtonpost.com/business/economy/health-care-exchange-sign-ups-fall-far-short-of-forecasts/2016/08/27/3d93f602-6895-11e6-99bf-f0cf3a6449a6_story.html?postshare=2171472485619309&tid=ss_fb

Several companies, citing financial losses, stop offering plans, which may leave some markets with only one insurer.