Primary Care Physician Shortages

Primary care physician shortage is a significant concern in Indiana and the entire country. The average wait for an onsite appointment with a physician is 26 days, and that is in metropolitan areas. If you live in a rural community, it could be months. Several factors contribute to this shortage of Primary Care Doctors. Aging […]

Filing Medical Insurance Claims

The medical claims submission processed has changed over the years with technology but the steps to ensure your claim is processed accurately and promptly have not. Here’s a guide on how to fill medical insurance claims: Understand Your Policy: Familiarize yourself with your health insurance policy to understand what is covered, exclusions, and any copayments, […]

Nefouse & Associates Scope of Services

As a benefit consultant we advise businesses on designing, implementing, and managing employee benefits packages. These benefits can include health, dental, vision, life, disability insurance, and other perks that contribute to employees’ overall compensation and well-being. 1.) Needs Analysis: Assessment: Understanding the unique needs and demographics of the client’s workforce. 2.) Plan Design: Customization: Designing […]

Open Enrollment for Employees

Open enrollment for employees

Open enrollment typically refers to the period when individuals can enroll and change their employee benefits. As an employee, determining when your open enrollment period starts and ends is the first and most important thing. The 2nd is what platform will be used for completing the open enrollment for employees. Most companies will use a […]

Humana Leaves the Group Health Insurance Market

Affordable Care Act (ACA)

Humana, based in Louisville, Kentucky, announced in March that it would exit the employer-sponsored group health insurance market in Indiana and Kentucky. Most Humana group health business was in Flordia, Texas, Georgia, and Kentucky. They also had businesses in Ohio, Tennessee, Illinois, Missouri, Louisiana, Wisconsin, Indiana, Michigan, and Arizona. It’s been reported they have about […]

Indiana Multiple-Employer Welfare Arrangements (MEWA)

Multiple-Employer Welfare Arrangements (MEWA) are a type of health and welfare benefit plan allowing multiple employers to pool their resources together to offer their employees health insurance and other welfare benefits. MEWAs are typically established by associations or organizations representing a group of employers with a common interest, such as belonging to the same industry […]

Chat with a Clinician

The health system is starting to change drastically, and we are seeing new delivery methods of care. The health insurance stakeholder needs to be faster to adopt innovations, and it’s partially their fault, as state law dictates most health practices and procedures. The health insurance industry is constantly investing in new methods to provide healthcare […]

New Group Health Plan Designs 

The health insurance industry in Indiana and the rest of the country has been offered the same health plan designs for decades. The last effective plan design was the introduction of the Health Savings Account (H.S.A.) in 2003. The H.S.A. is a tax advantage saving account allowing individuals to save money for medical expenses. The […]

National COVID-19 Emergency Lifted

May 11th, 2023, the national public health emergency has been lifted. The emergency order, which went into effect at the beginning of 2020, authorized the government to change all government, state, and private Health Insurance programs. One area that was addressed was how the treatment of COVID would be covered under all health insurance programs—specifically […]

2023 Indiana General Assembly- Health Insurance Impacts

The 2023 Indiana General Assembly has wrapped up its Legislative session, and we will have new laws that impact Indiana’s fully insured health insurance. HEA 1004- Healthcare Matters This bill addresses Indiana skyrocketing healthcare costs. The original version required non-profit hospitals to report healthcare charges and would fine any costs exceeding 260% of what Medicare […]