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10 Essential Health Benefits

December 21, 2022 / By / All Posts, Did You Know?, Health Insurance

When the Affordable Care Act (ACA) was passed there were certain requirements placed on health plans guaranteeing health benefits. Going into the 2016 open enrollment all plans will be ACA compliant within this upcoming year. Currently there are still plans out there that are “pre-ACA” which an individual or family would have enrolled in before the ACA was passed and continued coverage through 2015. With ACA compliant plans there are 10 essential health benefits that are included under each plan that you may not know about. Here’s the list from HealthCare.gov: Outpatient care—the kind you get without being admitted to a …

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Open Enrollment for 2016 is Fast Approaching

December 21, 2022 / By / All Posts, Did You Know?, Health Insurance

Often times people are not informed of the new regulations that govern the ACA and the main issue we have seen is Open Enrollment. Open Enrollment is a window of time that allows individuals to enroll in health plans for the following year. This is the only time that individuals are allowed to enroll in a plan for the following year unless they have a qualifying event during the years time frame. Many people believe that they can simply enroll in a health plan at any given time and be safe from a tax penalty, but that is not the case. For 2016 …

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How does a Deductible and an Out-of-Pocket Maximum Work?

December 21, 2022 / By / All Posts, Did You Know?, Health Insurance

When an individual or family enrolls in healthcare they are often bombarded by insurance jargon that isn’t the easiest to understand. The health insurance world speaks a different language than what most of us are used to. So what exactly is an out of pocket maximum and how does that work with a health plan deductible? An out of pocket maximum is the most you’ll have to pay during a policy period (usually Jan 1st-Dec 31st) for health care services. Once you’ve reached your out-of-pocket maximum, your plan begins to pay 100 percent of the allowed amount for covered services. I …

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How To Shop For Health Insurance

December 21, 2022 / By / All Posts, Did You Know?, Health Insurance

As Open Enrollment for 2016 is fast approaching do you know what to look for when selecting your health insurance? Many Americans are unsure what they are getting when they enroll in their plan until they go to use services and realize that they are under-insured. Consumer Reports highlights three key points to go over as you select your healthcare plan. First off “What does the plan cover?” With the Affordable Care Act (ACA) each health plan must cover certain items including: maternity and newborn care, mental health and substance-abuse treatment, preventative services, and pediatric services including dental and vision care. These are …

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Cadillac Tax

December 21, 2022 / By / All Posts, Health Insurance, In The News

It sounds like a tax on the new shiny car you just purchased, but when you are talking about healthcare it’s something entirely different. Cadillac Tax coined term for the excise tax of 40% of the value of employer sponsored health insurance plans that exceeds $10,200 for individuals and $27,500 for families, and takes effect in 2018. There are many parts of the Affordable Care Act (ACA) that need to be revised and this is one of the major ones that’s on the Democratic candidates agendas. The majority of Republican candidates aren’t even looking at the Cadillac tax because they want …

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Outdoor Activities For Fall

December 21, 2022 / By / Active Lifestyle, All Posts

Is it getting colder where you are? Here in Colorado the days are getting cooler and the leaves continue to change to that beautiful golden and orange hue. As the weather gets colder people tend to move to indoor activities, but there are still plenty of outdoors activities for the fall season. The cool weather makes for some amazing weather to get outside and exercise, whether it’s a run on a beautiful tree covered trail or mountain biking for the day. The cool weather is perfect as your temperature rises to cool your body. A much needed reprieve from the …

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