HEALTH & LIFE Insurance Brokerage & Consulting Services, Indianapolis, Indiana 

                                                   ~ Protecting the Middle Class from Bankruptcy by Healthcare ~

                              Phone: 317-823-3713      Toll Free: 1-800-919-2676      Email: 

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June 25th, 2015> A few minutes ago, the Supreme Court ruled 6-3 in favor of ObamaCare in King v Burwell. The ruling confirms Health Insurance Marketplaces in all states can provide premium tax credits to individual policyholders. The Supreme Court decision is a huge win for small business owners and employees. The Affordable Care Act has saved small businesses up to 60 percent by giving money to employees to minimize their cost for health insurance. This ‘Defined Contribution’ business approach by small business allows each employee to purchase their own health insurance plan independent of the company. Most small business employees qualify for premium tax credits from the IRS to help cover the out-of-pocket health insurance costs. 

ACA Indiana- logoGood question  that has kept me busy the last three years speaking about Obama healthcare and the Affordable Care Act (ACA) to groups and doing public television interviews.  Often the question was about which political party would be best for our country during the election year.  My point was always that both parties had their biased proposal for healthcare delivery but nothing was being said about controlling healthcare costs.

Are low cost health insurance plans a thing of the past?  YES, IF YOU DO NOT CONSIDER OPTIONS UNDER THE AFFORDABLE CARE ACT!

The 2nd year of OBAMA CARE is behind us; The average Indiana resident who did not sign up when required will pay a penalty of $776 or more.  Next year’s penalty could be  higher for the average Indiana resident and even more for residents with ABOVE AVERAGE income levels.          DMC GROUP may be able to HELP YOU avoid a penalty!!!!

Health care cost increases are in the face of an expanding senior population that naturally require more expensive care at a time when the supply of  doctors willing to accept Medicare insurance plans is dwindling.  I do not like the vision of exploding healthcare costs approaching when it’s already the #1 reason for new bankruptcy affecting the middle class of all ages.

Some good Obama Care (ACA) things have already happened  such as no more lifetime or annual limits, no pre-existing condition issues, children under 16 covered on parents insurance, free annual preventive care, cannot deny children and others are being phased-in during the next 24 months  There will be penalties for individuals, families and employers who do not offer healthcare benefits with rates modified by level of income.  Surveys have shown that employers are willing to accept the $2,000 penalty per employee because it is cheaper than paying for benefits. So, don’t count on employers to help much.

Healthcare changes won’t happen overnight BUT will slowly eat away at benefits while raising insurance premiums at a record pace .  As part of the Affordable Care Act, the IPAB committee will soon act on their responsibility to cut Medicare insurance plan benefits and cut reimbursement to doctors accepting Medicare patients. Taxes to help shore-up Medicare and Medicaid like the new .9% payroll tax on top of the usual 1.45% for “high income” individuals over $200K and couples over $250K.  Then add 3.8% more new Medicare tax on unearned income and investments.

Some of this turmoil could boil down to a common phenomenon of having inadequate resources to enforce compliance in the same way that the government currently ignores Medicare fraud by small time crooks.  We might be grateful for that to be true as attempts to finance  Health Care Reform measures further stress our federal Medicare and state Medicaid programs .  Middle class people, responsible for the high cost of care associated with their own declining health, may suddenly be subject to new Medicaid estate recovery laws that could make children responsible for their parents long term care costs as well.

It is feasible that families facing such financial stress might take desperate measures to qualify for Medicaid medical assistance.  The clincher:  Congress introduced the ‘Codification of Economic Substance Doctrine’ which gives the IRS sole authority to close any ‘perceived’ loop holes where they deem a transaction was made with intentional purpose of avoiding taxes or qualifying for government benefits.  According to the IRS, if you don’t make enough money on the deal then ‘it must have been for the sole purpose of avoiding taxes or penalties’.

In addition to the before mentioned improvements, some changes are good like taxes on insurance companies, pharmaceutical companies and medical equipment manufacturers which comprise the highest profit margin players in the game.

Those taxes and fines were supposedly intended to help control healthcare costs BUT  in fact they are allowed to be passed on to the consumer.

Where is the Codification of Economic Substance Doctrine when the middle class needs it!!

The need for integrating healthcare planning and retirement planning information has never been so important to your financial stability in this fast changing healthcare industry. The overlapping involvement of health care in government programs like the Affordable Care Act, Medicare, Medicaid, VA and Social Security underscore how crucial it is to have a retirement planning consultant with the ‘Big Picture’ view of all these risk factors.  Having a separate insurance broker, retirement planning consultant, attorney and financial planner requires extraordinary coordination of services and increases the possibility of someone on your team ‘dropping the ball’.

Secure DMC Group as your Team Leader with 35 years experience in healthcare, government benefits, retirement planning and elder law.

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             Mark Twain once said, “NO MAN’S LIFE, LIBERTY OR PROPERTY ARE SAFE                   WHILE THE LEGISLATURE IS IN SESSION“.

Today’s healthcare industry is a complex maze of Government programs & Insurance Business.    DMC Group TV video

A whole new layer of government red-tape has developed from HEALTH CARE REFORM.

No wonder so many new financial bankruptcy cases are hitting the middle class.  No wonder they don’t see it coming until it’s too late because they have only been fed the ‘Small Picture’ view of healthcare.

DMC GROUP  is all about sharing the ‘Big Picture’ view of healthcare and government benefits with it’s customers through carefully considered planning options and FREE consultant support.  Much of the passion for the company’s service model to any age group comes from all the Mildred’s that once cried in my nursing home administration office about loosing their life savings due to healthcare costs.  Mildred’s Story sadly reflects the old adage that  ‘A Failure to Plan is A Plan to Fail’ .

DMC GROUP shares it’s ‘Big Picture’ view through the public education speaker series from the not-for-profit organization Next Steps Beyond 50.


That’s why you need an Insurance Broker headed by a Certified Healthcare Consultant , Government Benefits Specialist and Retirement Planning Consultant with legal experience to help you make good, sound financial decisions and develop a strategy for your future.






Health Insurance
Most new bankruptcy cases are due to healthcare costs.  Statistics show that accidents and critical illness represent about 82% of financial risk for younger persons that is not covered well by health insurance plans.  It’s no wonder then that almost half of nursing home patients are under 65 years of age.  That’s right, they are… a former nursing home administrator, I saw younger patients continuously cruising in and out while they obtained therapy following an accident, heart attack, stroke or illness.

Life Insurance  and Annuities
Life insurance and annuities can be an important part of retirement planning information while providing a death benefit if you die; release family from the emotional burden of worrying about funeral arrangements; and help provide financing for long term care (at-home, assisted living or nursing home) or to continue to living with a critical illness or disability.

Retirement Planning 
Starts with choosing the best Social Security retirement option out of 9 options for a single person or the best option out of 81 possible for married, divorced or widowed individuals.

Save as much as you can as early as you can. Though it’s never too late to start, the sooner you begin saving, the more time your money has to grow. Gains each year build on the prior year which shows the power of compounding as the best way to accumulate wealth.  So, when you have got something then the question becomes:

How to keep what you got from the ‘Vultures’ and NOT outlive your money?

I would be negligent if I did not mention the importance of maximizing  your Social Security Retirement as a foundation for the future.  Call DMC Group to get your comprehensive Social Security Timing Report and bring the foundation of your retirement strategy into focus.

You could be leaving over $100,00 behind by having the local Social Security Office calculate your retirement pension benefit.

DMC Group can help minimize your financial risk in retirement and estate planning while protecting your right to government benefits like Social Security, Medicare, Medicaid and VA.

Estate Planning
No matter your net worth, it’s important to have a basic estate plan in place. Such a plan ensures that your family and financial goals are met after you die.  Estate Planning can also involve careful use of a Trust and other insurance options to convert your personal assets from countable to non-countable ones that could become the basis for protecting what is yours.

Life Care Planning

The comprehensive planning approach from DMC Group that draws on career experience in health care, legal, financial and government benefits.  Call US Now to get started.


Hours of Operation

Monday-Saturday from 9:00 AM to 6:00 PM
Closed on all major holidays


DMC Group LLC, 10604 Sealord Court, Indianapolis, IN 46236

By Phone: Local (317) 823-3713

Toll Free (800) 919-2676

By Email:

By Text Message: Text to: (317) 748-1942