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 […]
Tony Nefouse’s Complete Guide to Group Insurance
Many companies will turn to the internet to search for insurance benefits. Since 1998, we have been helping these businesses obtain group benefits. In the beginning of the internet, very few people would go to the world wide web for insurance information. Today that has all changed, business owners want information at their fingertips. We […]
As We Approach 2018, How is Health Insurance of Indiana Looking?
Group Health Insurance Indiana We quickly approach Jan 1st, 2018, the state of health insurance in Indiana is nowhere near close to being stable. Individual Health Insurance The Affordable Care Act has failed every Hoosier that pays for or towards a health insurance policy. One segment of the population has benefited from the ACA, and […]
Did the ACA Effect Group Health Insurance?
Group Health Insurance Indiana When the Affordable Care Act (ACA) went active, a large a majority of Indiana small business dropped their group health plans and moved to the individual market. At first, this was an excellent option for reducing costs for both the company and the employee. Businesses that had little employee turnover, no […]
Group Health Insurance Participation
Group Health Insurance Insurance companies in both Indiana and the rest of country have always enforced participation requirements. Small groups (under 50 employees) and “Large” groups (50+ employees) have had to have at least 50% of the full time employees elect coverage. Insurance companies do vary on employee participation. Group Health Insurance for Small Groups […]
