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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 […]

Individual Health Insurance Frustrations

The 2023 Individual Health Insurance open enrollment had serious obstacles this year, not just in Indiana but across the country. We first saw indications of problems fourth quarter of 2022, when renewals needed to be sent out to policyholders. At the start of open enrollment, policyholders were still determining what it would cost for the […]

Healthcare Matters House Bill No 1004

Rep. Donna Schaibley introduced House Bill No. 1004 Beginning in 2025, nonprofit hospitals must submit, on average, how much they charge for each healthcare service they provide. Should a nonprofit hospital charge more than 260% of the Medicare reimbursement rate, it could be assessed a penalty. The penalty paid would be applied to fund the […]

Cigna Individual Health Plan for Indiana

For the upcoming Individual open enrollment, Indiana has a new carrier with a familiar name, Cigna. Cigna’s Individual Health Plan Cigna has a history in the state of Indiana of providing members with a high level of customer service. It really starts with Cigna having a customer service number that you can call on a […]

Indiana Medicaid Redetermination Process

The Families First Coronavirus Act (FFCRA) mandated continuous Medicaid enrollment through the federal COVID-19 public health emergency. The continuous enrollment suspended the redetermination process by prohibiting any cancelation of coverage. Now that the public health emergency has been lifted, all Medicaid recipients must complete a redetermination to determine if they remain eligible. On the national level, […]

2023 Individual Indiana Health Insurance

Every year the individual health insurance companies are required to file next year’s rates and plan to the Indiana Department of Insurance for approval. The insurance department should finalize all 2023 fillings by Aug 18, 2022. The average increase individual marketplace increase is 5.7% When the numbers are drilled down, some plans take a 34% decrease […]

Employee Assistance Programs (EAP)

The month of May was mental health awareness, and there was an increase in interest in Employee Assistance Programs, not just in Indiana but the entire nation. What is an Employee Assistance Program (EAP)? An employee benefits program is a benefit a company will provide to their employees to help address personal and work-related issues […]