Anthem’s Chambercare Health Alliance

Anthem has developed a new Group Health Insurance plan for Indiana small group employers.  This is in direct response to the unintended consequences of the Affordable Care Act (ACA).   Under the ACA, Indiana small group health insurance rates have doubled, and Anthem has been one of the last large to bring a solution to market. The …

Indiana Group Health Narrow Networks

When it comes to health care and group health insurance, Hoosiers have always preferred PPO networks which allow the member to choose which medical provider they want to receive treatment from.  With any group health plan, Indiana employees have demanded that they could choose their medical providers.  This is starting to change because the cost …

Jan. 1st 2019 Small Group Rates Delayed

Small Group Rates Delayed  Every year the health insurance companies of Indiana have to submit their rates and plan designs for approval through the Indiana Department of Insurance. In the past, this filing would be submitted for review and approval in the month of May.  The filing for 2019 small group fully insured policies was …

Indiana Recovers Medicaid Tax Under the ACA

Indiana was one of six states to file a lawsuit against the Affordable Care Act’s health insurance provider fee (HIPF) for State Medicaid plans. The U.S. District Judge ruled in favor of the plaintiffs, Texas, Indiana, Kansas, Louisiana, Wisconsin & Nebraska’s that the government must pay back $840 Million in Obamacare fees. What is the …

What to Expect in 2019 for Small Group Health Insurance

All the health insurance companies that want to participate in Indiana’s small group health insurance has submitted rates & plan designs to the Indiana Department of Insurance for review. These filling are for fully insured groups with less than 50 employees. As always, it’s going to be an interesting year under the rules and regulations …

Trump Admin. Releases Final Rule on Short-Term Health Insurance

Short Term Health Insurance Final Rule 36 months of coverage Short-term health insurance is a policy that is very similar to pre-affordable care act coverage.  The plan does not cover preexisting conditions and requires underwriting.  If your accepted, the cost is 50%-60% less than an ACA product. These plans are also using traditional PPO networks, …

Indiana Association Health Plans (AHPs)

The Department of Labor released their final rule on the creations of Association Health plans. There has been a great deal of criticism and misinformation in the media.    The DOL final rules provide the guideline for setting up association health plans.  These plans would be governed by both State and Federal guidelines.  The Employee …

Tony Nefouse’s Complete Guide to Group Insurance: “Networks”

We come to the point where you are ready to start reviewing group insurance proposals. Before you start receiving insurance proposals information about your company should be taken into consideration. Employee location has a large impact on what type of plans a company should be entertain. Does the employer have employees in other states, does …

Tony Nefouse’s Complete Guide to Group Insurance: Request for Proposal

At this point, you are ready to start submitting proposals for group insurance. First-year Benefit Offering: If you are offering a group health plan for the very first time, there are multiple issues to be aware of. Hopefully, you have surveyed the current employees and know who is interested in electing coverage. As the owner, …

Tony Nefouse’s Complete Guide to Group Insurance: Obtaining A Quote

Obtaining proposals for group insurance benefits can be relatively easy. There are multiple outlets for receiving bids. Most of the insurance companies have now set up in-house sales; this allows groups to go direct to the carrier to obtain a proposal. Some payroll companies have broker divisions in which they can provide suggestions. The best …