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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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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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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Open Enrollment for 2016 is Fast Approaching

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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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Cadillac Tax

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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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