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 […]
Employer Mandate for 2015
The Employer Mandate is a part of the Affordable Care Act (ACA) that penalizes employers who do not offer health insurance coverage to their employees and dependents. The health plan has to meet certain criteria of the ACA and meet the definition of affordable to the employee. It does not address affordability to the dependents. […]
A Broker’s View on the Save American Workers Act
The Save American Workers Act is a Bill Authored by Rep. Todd Young that would change the definition of a full-time employee under the Affordable Care Act (ACA). The current definition states that any employee working more than 30 hours a week qualifies for employer sponsored group health benefits. Also under the ACA is the […]
2015 Marketplace Plans for Indiana
Plans went live for Indiana on healthcare.gov over the weekend. Until the November 15th this is only for review. We have 7 companies offering a total of 75 plans with designs. Of the 75 planned designs, 6 are PPO, 1 POS, 7 EPO and 61 HMO. These are networks arrangements. PPO = Preferred Provider Organization: […]
Community Ratings and How They Impact Indiana
Under the Affordable Care Act (ACA) or” Obamacare” health insurance companies are required to offer coverage to all people and businesses. This is called guaranteed issue and has helped a lot of Hoosiers. With Guaranteed issue, the ACA requires health insurance companies to use community ratings for Individual and small businesses. This is where the […]
