Assurant Health is D.O.A. for 2016
On April 28th, Assurant Health issued a statement that they will be either selling the company or shutting down. This comes as no surprise to us. Assurant Health has been a smaller health insurance company in the Indiana market. Prior to the Affordable Care Act(ACA), they were really active in rural communities. They had creative small group […]
Tax Credit and Filings
The first tax season is behind us and no one knew what was going to happen with tax credits. The Federal Marketplace compared what was reported on the tax credit application and what the individual filed on their tax returns. It was estimated that 45% of the people that purchased health insurance with tax credits, […]
Section 1332 Waivers could Change the ACA for Indiana
As a broker that specializes in the ACA health plans, I am still amazed that new information continues to flow out about the Affordable Care Act. This information on Section 1332 has gotten almost zero attention until recently. Section 1332 of the ACA, allow states like Indiana to request waivers from HHS and the treasury […]
UnitedHealthcare Individual Policy
UnitedHealthcare (UHC) is one of the biggest health insurance companies in the country. For 2015, they re-entered the Indiana market, offering individual and family health plans. This was a welcome addition to the Indiana health insurance market. What set UHC apart from the other individual carriers, was the network. UnitedHealthcare Choice Plus (PPO), gives Hoosiers […]
Small Group Health Insurance Migration to Individual Market
Recently we were featured in an article found in the Indianapolis Business Journal. The article mentions the migration of small group health insurance to the individual market, which really just scratches the surface of what small employers in Indiana are faced with when it comes to the group health under the ACA. Small Indiana employers have always […]
Indiana’s Religious Freedom Restoration Act
Here at Nefouse and Associates we believe in helping everyone. It does not matter what your beliefs are or who you are married to, our services are open to everyone. There’s a lot of confusion on health insurance coverage for same-sex couples in Indiana. Under the Affordable Care Act, in order to apply for coverage […]
The Affordable Care Act 5 Years Later
It has been 5 years since the Affordable Care Act (ACA) was passed into law. This law has had a dramatic change on health insurance markets here in Indiana and the rest of the country. Now that most of the law has been read and interrupted by the government agencies and health insurance companies, we […]
March 15th to April 30th is the Special Enrollment Period
Medicare and Medicaid Services (CMS) announced a Special Enrollment Period (SEP) for people that did not have health insurance coverage in 2014 and were penalized. Then penalty came when you filed your taxes. CMS has decided to make those who were unaware of the new law an opportunity to get coverage. To be eligible for […]
Anthem Has Been Hacked
Anthem Blue Cross and Blue Shield Announced on February 4th 2015 that they had been the target of a cyber-attack. The attackers gained unauthorized access to Anthem’s IT system and obtain personal information from current members and former members. The attackers obtains social security numbers, birth dates, names, addresses, email addresses, and employment information. This […]
Indiana Carriers Not Mailing out Certificates of Prior Coverage
When you have a health insurance policy in place and you end that coverage, you would usually receive a certificate of prior coverage. With that certificate, the new insurance company that you signed up with would then ask for that document to confirm you had prior coverage. In 2014 specifically, the insurance industry used the […]
