Did You Know, Not All Doctors are In Network?

December 21, 2022 / By / All Posts, Health Insurance

You enroll in your health plan and choose an option that is affordable and seemingly everything you are looking for, but is it really? I come from personal experience when I discuss this as I was extremely naive to how health coverage works when I first started working in this industry. I received my health cards last year and noticed a doctor printed on my card but failed to look at the fine print. I thought nothing more of what was printed on my card.  A few months later I was sick and needed to see a doctor, so I called a …

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Open Enrollment Starts Today

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

Open Enrollment is here for 2016 health plans. According to an article on The Street, individuals spend less than 30 minutes researching their benefits. If you are someone that understands health insurance plans backwards and forwards this sounds like a decent amount of time to spend, but many Americans do not understand the other language that is “health insurance.” This kind of care less response to choosing something incredibly important could have a huge impact when you find yourself filing claims for a medical procedure that you weren’t expecting. Once you enroll in a health plan during Open Enrollment for …

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Insurance Premium Regulators Step In

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

This time of year health insurance carriers submit their insurance premium rates for 2016 to regulators for approval. With healthcare premiums already rising it was a surprise to see Florida regulators telling some carriers to raise their requested premium increase. Both Human and Blue Cross & Blue Shield of Florida were among those whose final rates were higher than they’d first filed, reports Bloomberg Business. Alex Kepnes, a Humana spokesman said the approved increase incorporated updated information from the U.S. Government on ACA programs designed to spread cost, known as reinsurance and risk adjustments. Regulators are able to push insurance to raise their …

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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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