2017 Individual Health Insurance

2017 rates and plan designs have been approved for Indiana. November 1st will be the start of another open enrollment under the Affordable Care Act. There will only be a handful of carriers on and off the exchange. Anthem will be the only state wide individual carrier for on and off. IU health plans, will […]

Small Companies Qualifications for Group Health Insurance

Group Health Insurance Guidelines These guidelines are state specific to Indiana. We have been receiving a lot of inquiries, about how a small group can qualify for group health coverage. Here in Indiana and the rest of the country, there are a lot of independent consultants in the work force. With the passing of the […]

The Reality of the Affordable Care Act

  With this year’s open enrollment getting closer, one thing has become very clear, the individual health insurance market is near complete collapse. For Indiana, we have seen Humana, Assurant, UnitedHealthcare, & now Physicians Health Plans all exit the individual market. Every carrier has had different situations for leaving, but one thing in common between […]

Going Back to Group Health Coverage

When the Affordable Care Act was put into motion, many small Indiana companies chose to drop their group health plan. At that time, it was the right decision for multiple of reasons.  To start with, individual plans were no guaranteed issues under the ACA.  One of the biggest benefits to group health plans is they […]

Aetna Withdraws from Indiana Individual Market

Aetna had filed with the Indiana department of Insurance to offer individual plans for 2017. Aetna was to be a welcomed option for individual policies, especially because it looked like they were going to the Franciscan Alliance as their network. Recently, Aetna announced that they were withdrawing their filling, from Indiana and 4 other states. […]

Group Health Plan Renewals Under the ACA

For companies with less than 50 employees and that have a ACA compliant group plan, renewals are difficult to understand. Pre ACA group plans, renewals were based on claims and medical trend. Renewal rates were easy to understand, if you had a bad claim year, then you saw a significant rate increase. If you had 22 employees on […]

What is COBRA

What is COBRA? It is the Consolidated Omnibus Budget Reconciliation Act of 1985 COBRA is a law passed by the U.S. Congress in 1986 that mandates an insurance program to give eligible employees the opportunity to continue health insurance coverage after experiencing the loss of active coverage What Employers are Subject to COBRA? Almost all group health […]

IU Group Health Plans

Nefouse & Associates, Inc. is proud to be one of the chosen Insurance agencies to be able to offer the IU group health plans. We are especially excited to be able to offer this solution to small companies. Since the inception of the IU group health plans, there has not been an outreach to the small […]

Interview About Proposed Marketplace Spikes

Recently I was interviewed by Indiana Public Media about proposed marketplace spikes. In the article it mentions that four out of the six insurance companies planning to offer coverage to Hoosiers through the federal healthcare exchange next year are proposing double-digit rate increases for individual premiums, according to proposals filed with the Indiana Department of […]

United Health Care Withdraws from the Indiana market

2017 individual and small group health plans have been submitted for review. There is very little good news to report about. United Health Care exiting the market is the biggest blow to network access for Indiana. The UnitedHealth Choice & Choice plus were actually employer based networks. Off exchange was the last Individual PPO network […]