Michelle Kirkwood - Patrick Casale & Associates, LTD

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Health Insurance Update: PPACA
(09/15/2010)
The Patient Protection and Affordable Care Act (PPACA), also known as healthcare reform applies new requirements to the health care industry, including provisions that impact carriers, agents, providers, and individuals/employers seeking health coverage.
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Health Insurance Update: New Pre-Existing Condition Insurance Plan (PCIP)
(07/06/2010)
In March 2010, Congress passed and President Obama signed the Affordable Care Act - the new health law. The law creates a new program - the Pre-Existing Condition Insurance Plan (PCIP) to make health coverage available to you if you have been denied health insurance by private insurance companies because of a pre-existing condition.
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About Michelle Kirkwood

Michelle's personal approach defines "REAL PEOPLE"

Born and raised in Cleveland, Ohio, Michelle's background started more than 20 years ago in Human Resources. Showing great interest in the benefits department, her key knowledge was employer based benefits including group 401(k) plans. Relocating to Las Vegas in 1991, her exposure widened further working for a key Las Vegas Strip Casino with over 5,000 employees.

The journey continued landing her in the Broker arena. Actively licensed and always staying on top of current and future trends, she is an active member of the area's Chambers of Commerce. Cultivating and maintaining business relationships in and outside of Clark County, Michelle understands the needs of her clients, both individual and group as well as the changing times of the insurance industry in and outside of Clark County.