Insurance Plan Options for Indiana
Under the Affordable Care Act (ACT) Also known as “Obamacare”, the law has tried to make plan options easier for people to understand. We now have 4 categories that are described as metallic. Bronze, Silver, Gold, and Platinum. These categories are for individual and group health plans both on and off the exchange. These descriptions […]
2015 Marketplace Plans for Indiana
Plans went live for Indiana on healthcare.gov over the weekend. Until the November 15th this is only for review. We have 7 companies offering a total of 75 plans with designs. Of the 75 planned designs, 6 are PPO, 1 POS, 7 EPO and 61 HMO. These are networks arrangements. PPO = Preferred Provider Organization: […]
Community Ratings and How They Impact Indiana
Under the Affordable Care Act (ACA) or” Obamacare” health insurance companies are required to offer coverage to all people and businesses. This is called guaranteed issue and has helped a lot of Hoosiers. With Guaranteed issue, the ACA requires health insurance companies to use community ratings for Individual and small businesses. This is where the […]
Health Insurance for Three Generations
A common situation here in the United States is an older parent living with a first generation American. This older parent is often not a US citizen, meaning they don’t qualify for Medicare. Here at Nefouse & Associates we have found a solution to this problem under the Affordable Care Act. We’re able to provide […]
Anthem Small Group Renewals in Indiana
This is possibly the most interesting time in small group health history locally, not to mention the rest of the country. Anthem releases 4th quarter renewals Small group health insurance renewals have been released for the 4th quarter from Anthem. “WOW” is all I can say! The renewals that are being released are all “grandmothered.” This […]
Dual Rulings on the ACA: How does this affect Hoosier small businesses?
Last week, we had two different rulings come out of the courts. The U.S. Court of Appeals for the D.C. Circuit ruled that it was not legal to give tax credits/subsidies to residents of states that did not develop a state-based exchange. In Richmond, we had another court rule that is was legal for the IRS to […]
Drug Exceptions Under the Affordable Care Act
As the Affordable Care Act provides more and more clarification on the law, we are starting to see some serious mandates outside of what was known. If you are receiving health insurance coverage through an ACA-compliant plan, you may be eligible for additional drug coverage that is not currently covered by your plan. The law […]
Parkview Hospital Settles HIPAA Violation
Here is some news you may not see in the local media outlets: Parkview Hospital group had a blatant HIPAA violation. HIPAA is the federal Health Insurance Portability and Accountability Act. One aspect of this law is to protect the confidentiality of health care information. You may have noticed in the last few years that […]
Consultas y Cobertura de Salud para la Comunidad Hispana
Hola y Bienvenidos! Mi nombre es Laura Martinez y soy nuevo miembro en la empresa Nefouse & Associates. Somos una empresa independiente y local, nos especializamos en los beneficios del seguro de salud. Ayudamos a familias, individuales y negocios encontrar la mejor cobertura de atencion medica disenadas para sus necesidades. Tengo el privilegio de ayudar […]
New insurance concept: the self-insured medical reimbursement plan
ZaneBenefits is the leader in helping to self-administer employer reimbursement for employee medical expenses. In fact, they are the one of the few companies that will do this. This is one of the most controversial concepts out there. Zane believes that this is a legal approach to reimburse medical expenses for the employees from a […]
