UnitedHealthcare Individual Health Insurance Billing Issues

UnitedHealthcare/UnitedHealth Life/ Allsavers have had major billing issues on their individual lines of coverage. If you make a payment and it is not allocated to your account, that’s when problems begin. It’s almost like the payment stays in limbo. Automatic Bank Drafts are being drafted but are not posting to the account. In some situations, we are […]

Indiana Business Classification under the ACA

With the new laws governing business under the Affordable Care Act, a company must determine how they are viewed under the ACA. There is small group and large group categories. Companies with less than 49 employees are considered small, companies with more than 50 employees are determined large. To determine which category your company falls […]

Indiana and the Month of May and Health Insurance?

How could we related health insurance to the Month of May in Indiana? The Indianapolis 500 brings in spring, with the open wheel cars whistling around the track. There is new grass on the little league field. How could we relate health insurance to the Month of May in Indiana? After open enrollment, most people […]

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 […]