Monthly Archives: November 2017

A 2017 Thanksgiving Message From Our President Heidi Petschauer

Thanksgiving Table

During this special time of year where we pause to give thanks, I begin this message with a very heartfelt thank you to my dad, the founder of Petschauer Insurance, John Petschauer. He always provided me with an opportunity to learn the insurance business as well as understand the importance of collaborating with others.

Because of my dad’s imparting wisdom, as leader of the Petschauer Insurance Team, I always focus on promoting everyone working together.  Everyone on our team has incredible strengths which are all unique and appreciated. Therefore, pooling our strengths truly promotes our values of always relating with honesty and integrity, so that we can continue to build trusting relationships with you – our valued clients.

So now, my heartfelt thank you goes out to our amazing Petschauer Team! They are always open and committed, as I was, to seeking every opportunity to learn and grow so that they can continue to keep you, your families and your businesses protected and feeling safe. I am truly blessed to have them as my Team!

To you: our clients, I am so grateful and appreciate your continued trust in us and the values we uphold.

I wish everyone and their families a very blessed, safe and wonderful Thanksgiving holiday. May you all take this time to reflect on the many blessings in your life.

Petschauer Insurance’s Guide To A Happy And Safe Thanksgiving

Thanksgiving turkey

The Thanksgiving holiday is an awesome opportunity to spend quality time with family and friends, enjoy great food, and create long-lasting memories! We want to ensure that you have the most enjoyable time you can. With that in mind, please allow us to share some great tips around safety and extracurricular activities to make this holiday a phenomenal one from start to finish!

Cooking Up A Great Meal: Preparing the turkey and all the tasty fixings is a big part of the Thanksgiving tradition. In an effort to help everything go smoothly, Travelers Insurance provides a fantastic guide of do’s and don’ts for cooking a successful meal, complete with smart cooking attire ideas and what to be mindful of in the kitchen. The company also provides reassurance by explaining what to do in the event of a fire.

Helping Your Pets Enjoy Thanksgiving: While you and your loved ones enjoy a great meal, your pets deserve to be treated to something good as well. Cooked turkey, sweet potato, and green beans will help them truly embrace the spirit of the holiday! However, as tasty as they may look, the ASPCA suggests that you keep the sweet treats away from your furry friends!

Thanksgiving family dinner

Thanksgiving Gifts That Keep On Giving:  Hosting Thanksgiving at your home will allow you to reap all the benefits of leftovers that last for days! In the spirit of rewarding the host for all of their efforts, Nationwide’s Thanksgiving blog outlines some very creative spins on a bevy of leftovers recipes that may make dinnertime easy for the foreseeable future: try stew, stuffed peppers, and plenty of finger food.

From football, to board games and pleasant conversations, the outstanding traditions often go far beyond the food. Thanksgiving is a time to be grateful and count our blessings, so we would like to wish you and your loved ones a Happy Thanksgiving filled with wonderful memories as you enjoy each other’s company.

Open Enrollment 2018: Key Information, Dates and Reminders

Doctor visit

If you are currently without health insurance, Open Enrollment for individuals is here. Open Enrollment is your opportunity to purchase this coverage so that you can be covered on January 1, 2018.

It is important to be aware that if you are earning an income above the Federal Poverty Level, you will be required to pay a penalty for any three consecutive months that you are without health insurance. If you have lost your coverage previously sponsored by an employer, or you no longer qualify to be on your parent’s plan because you are over 26 years old, Open Enrollment is your time to take action to purchase health insurance.

Here is how you can take advantage of this sign-up period to secure health insurance and avoid any subsequent penalties.

What is Open Enrollment?

This is a period during which an individual can apply for health insurance with fewer restrictions than any other time during the year. It is important for those uninsured individuals to make note of this eligibility period. Open Enrollment for the calendar year of 2018 extends from November 1st through December 15, 2017. During Open Enrollment, insurance companies    waive underwriting guidelines and any requirement for evidence of insurability. When Open Enrollment ends on 12/15/17, individuals seeking coverage need to be “qualified” for Special Enrollment, or they will be required to wait until the next scheduled open enrollment period for 2019.

What is Special Enrollment?

This is a period outside open enrollment during which you are given an exception and can purchase health insurance following a qualifying life event, including divorce, marriage, birth, adoption, moving, death and loss of employer sponsored coverage.

How can individual insurance be purchased?

A number of Health Insurance Companies are offering Individual health coverage either directly through health carrier websites, via the New York State Health Exchange, or off the Exchange through independent insurance brokers.

What penalties will you be responsible to pay if you are not covered?

In 2018: $695 or 2.5% of income (individual) and $347.50 (child). The maximum penalty will be set at $2,085.

Health insurance is extremely important for all individuals, even for those with a clean bill of health. Accidents happen, as do unforeseen illnesses.  The cost of emergency room visits, x-rays, MRIs, hospital stays and doctor visits can all add up and be a financial burden to you and your family. We urge you to take advantage of this opportunity to purchase health insurance.  Please contact us with any questions you have about Open Enrollment.