Baby Boomers and Health Insurance
As the baby boomer generation get closer to 65 there are many challenges for them in both group and individual health insurance markets. If you are an employee that is 60 on a small group health plan you could be paying a large sum for health insurance. One of the calculations for group premiums is […]
Weight Tables for Health Insurance
In the individual health insurance there are many underwriting guidelines but none are more controllable than your weight. Weight can determine what premiums you pay. For example a male that is 5’9″ if he ways 128-188lbs then he could qualify for Preferred 1. This would be the best risk factor you can get which mean […]
Hospitalization and Surgical Health Plans
As health insurance prices continue to surge we are seeing a higher demand for Surgical and Hospitalization health plans. This type of approach for health insurance is being entertained in both individualand small group health markets. These plans show a change in how we view health insurance. People are willing to take out a plan […]
Individual Health Insurance and Electric Fund Payments
Most people that have an individual health policy has premium payments set with an electric fund transfer from a bank account. The health insurance industry like many others has really shifted to paperless. In fact if you want a monthly bill mailed it could cost you anywhere from $5-$25. These EFT are good and bad. […]
How Health Reform Will Impact You In 2011
As we enter in 2011 more aspects of health care reform will have a direct impact on you. All wellness and preventive care is now covered at 100% with not cost to the customer. So there is no reason not to get your yearly check up. Technically speaking if you have diagnostic services done for wellness […]
Health Saving Account
In 2003 the Medicare Prescription Drug, Improvement, and Modernization Act went into place and created the Health Savings Account. The health saving account is a high deductible health insurance plan. All medical claims go towards the deductible for the exception of wellness. All preventive and wellness procedures are covered at 100% with no cost to […]
Health Insurance for Autism
Here at Nefouse & Associates we have been insuring children that suffer from Autism for almost 5 years. I feel we are the most experienced Brokers in the state when it comes to insuring autism. The past few years children suffering from Autism have been very fortunate with the Indianapolis Autism mandate. Under the mandate Autism has […]
Short Term Health Policies
There is been a much higher demand for the short term health policies here in Indianapolis than in the past. I think the reason for this is the lower cost of the short term policy. In the past short term policy were manily used by students and singles that were in transition from one health […]
Guaranteed Issue for Children Under 19
Under the health care reform children under 19 can not be denied or pre x on health insurance. This law is now in place and the carriers have developed strategies on the law. The first thing the carriers have done is completely with drawn from the stand alone children’s policy. So now in this country you […]
Medical Loss Ratio Explanation From Anthem
The new Medical Loss Ratio will have a huge impact on health insurance companies. There is major concern in the industry that we could see some carriers pull of certain markets. The market that creates the most concern is the Individual market. This segment of insured represent a small portion of the overall block of […]
