Employee Health Insurance Premium
If you are the controller or an owner of a small business there are major decision you will have to make on an employee health insurance. The one that I will focus on here is age based vs composite premium calculations. These will impact your employees. Age base premium is exactly what they sound like. The premium is […]
Talk About Health Care Reform
It’s very important that we continue to talk about health care reform. Ask people that are in the health care equation. Speak to your Doctor, Nurse, Pharmacist, and Insurance broker. It’s important for everyone to know what the people in the health care field think about the current reform laws. Right now there is a […]
Health Insurance Sites & Portals
I have read a lot of blogs that are posted online about health insurance. There has been a really disturbing trend in most of these non broker sites. This trend is that the site is giving health insurance advice without having really any knowledge of health insurance. These blog post are beautifully written and designed […]
Employee Health Insurance Tools
Right now with all major health insurance companies there is a huge amount of online tools. These online tools have many functions. There are claims checker, Nurse Chat, Health Assessment, and even price shoppers that are available through your carriers website. If you are an employee on a sponsored group health plan it’s your responsibility […]
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. […]
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 […]
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 […]
