Less Than A Month Away For A January 1st Enrollment Date

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There is less than a month left for a January 1st start date so don’t miss out on the December 15th enrollment deadline. If you are someone that understands health insurance plans backwards and forwards then you are way ahead of the game, but many Americans do not understand the other language that is “health insurance.” I encourage you to reach out to a broker that is well versed on the language and let the help you understand. Once you enroll in a health plan during Open Enrollment for 2016 you are locked into that plan for the entire calendar year unless […]

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Help is Coming for Small Businesses

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When the ACA was written the law has come with its fair share of challenges and there have been many changes. When the law was passed the I.R.S. drafted a regulation that imposes fines on small business for doing what the very law is meant to do, help individual and families afford health insurance. Kevin Kuhlman, policy director for the National Association of Independent Business said, ” Reimbursing employees for the cost of insurance or medical services is a way for small businesses to help their workers without the administrative headaches of setting up a costly group plan.” The IRS has said for doing

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Did You Know, Not All Doctors are In Network?

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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

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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

/ / 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

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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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