COVID-19 & Health Insurance

The health insurance industry has been responding as fast as they can to the treatment of COVID-19. This started as a health crisis and has now turned into a financial crisis. The health insurance industry has made multiple changes concerning COVID-19. Testing With most health insurance companies, there is not member cost for being tested …

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 …

Short Term Health Insurance Final Rule 36 months of coverage

The Trump administration released its final rule on short-term health insurance. 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 …

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 …

2019 Individual Health Insurance for Indiana

The remaining two individual health insurance companies participating in the Indiana market have filed their rate for 2019. We now have two insurance companies offering personal health in 2019. CareSource and Celtic Insurance Company aka AM Better The good news is these two companies have decided to continue to offer individual health insurance coverage to …