Who has the best health insurance in Indiana?

This is a very broad question because one has to know what is important to them with their health insurance. When searching for a health insurance company it is best to see advice from a local broker. The local broker will represent multiple companies and know market conditions. This is important knowledge that will lead […]

Penalty for Not Having Health Insurance

Under the Affordable Car Act there will be penalties for not having health insurance. In 2014, the penalty for not caring health insurance will be $95, or 1% of taxable household income. By 2016, the penalty will rise to $695 per person, with a cap of $2,085  per family or 2.5% of house hold income. […]

Health Care Reform Glitch

NY Times reported a interesting view on health care reform.  They are reporting a glitch in the health care law. Under the Affordable Care Act, if an employee has access to group health benefits, then their dependents are not eligible for subsidies through the exchange. This is basically the short version of the argument. This aspect of the law have been interpreted by […]

Mike Pence’s Views on a State Based Exchange

Mike Pence recently sent his letter to Gov. Daniels regarding the development of  a state based exchange. Governor Elect Mike Pence, has choose not to establish a state based exchange.  He stresses the lack of clarity coming out of the federal government. Indianapolis developed the health Indianapolis plan that has been very successful, form a cost stand point […]

Health Insurance Exchange in Indiana

It has been reported that Governor elect Mike Pence is not going to establish an Indianapolis State Based Health Insurance exchange.  If the state does not elect to set up our own exchange then a Federally-Facilitated Exchange will be set up without state partnership. HHS will establish and operate the Federal Exchange.  Indianapolis will still […]

Indiana’s New Governor’s Impact on Health Insurance

The next Governor of Indianapolis is going to have a huge impact on health insurance in the state. The first decision the Governor will have to make is on the Essential Benefits. It is the responsibility of each state to form the Essential Benefits.  The essential benefits are a set of health care service categories […]

Preventive Services Under PPACA

Under the Health Care Reform there are new preventive care benefits that every Non Grandfathered policy will have to cover. Some of these benefits will be covered at no cost to the insured. It’s very important that you consult your current coverage to determine if these new benefits will be covered. There will be some plan that […]

Women’s Preventive Care Services Under PPACA

Wellness Video Above is a video that address some of the new changes for women’s preventive services covered under the new health care law.  In the past there has been coverage for these procedures but it was at a shared cost to the insured. Under PPAC these coverage are now covered at 100% with no […]

Walgreen’s Back In the Anthem Network

Walgreen’s rejoins Anthems Network Anthem just announced that Express scripts and Walgreen’s have reached an agreement.  Anthem members can use the Walgreen’s pharmacy as they will be considered a in network provider. Walgreen’s is a great provider of pharmacy benefit in the area. It is important to remember to check local pharmacies for the most competitive prices on medications.  The large pharmacies can […]

Medical Loss Ratio for 6 Health Insurance Companies.

http://companyprofiles.healthcare.gov/ Healthcare.org has released the medical loss ratio for all health insurance companies operating in Indianapolis. It is interesting to see just how close the carrier are to the 80% or 85% loss ratio. With all of the tools the carriers use to keep cost down it is surprising that the loss ratios are not […]