Where Will You Buy Health Insurance in 2014
Next year where will you get health insurance from? Health Insurance will come from the same places that you are buying it from today. It may be delivered in a different platform. Currently you purchase health insurance from the individual market, employer sponsored group health plan, COBRA, HIP, Medicaid or Medicare. In 2014, you purchase health insurance from […]
Smart Patient by UHC
Health insurance companies continue to create online tools and apps to help insured have better control of their health care. United Health Care has launched a new app call Smart Patient. This app is for either IPhone or Droid. The app will hold of the patient medical information and more. The application tracks 5 numbers […]
Breast Pump Coverage Under Insurance.
Under the new Health Care Reform laws, all breast pumps must be covered at no cost to the insured. As you can imagine this has created some shortages. If you find yourself in need of breast pump, look on the back of your insurance card for a phone number for member services. This number will […]
TraveI Insurance
Anytime you travel outside the United States, one should look at taking out a Travel policy. Most health insurance policies will have some level of coverage for travel but it is not enough. Most Indianapolis based health insurance policies will cover emergency room visits as in network. One issue that you will run into is […]
Indiana Union Health Insurance
Indianapolis Union Health Insurance Carve out A lot of Union shops have a handful of non union employees in Indianapolis. Owners have a option when it comes to health insurance for these employees. Depending on the Union contract, the owner could choose to put these employees on their own group health plan. It just […]
Essential Health Benefits For Indiana
The Essential Health Benefits have been released by the federal government. This dictates that Insurers must cover 10 broad categories of care. This includes maternity services, doctor and medical services, mental health and substance abuse, and prescription drugs. Why is this important? All individual and small group will be effected by this ruling. This […]
Dropping Group Health Benefits?
Health care reform is bringing new options for small and mid size group plans. Not just here locally, but for the entire country. One of the benefits of having a group health plan, is being able to offer guaranteed issue to employees. This is where the group health plan will accept you, no matter what […]
HHS Delays Basic Health Plan
Kaiser has reported that HHS will delay the “Basic” Health plan until 2015. The “basic” health plan was to help people that are making 2 times federal poverty level. This plan is to be designed with very little cost to insured both from a claims and premium standpoint. The other advantage to this plan is if […]
UnitedHealthCare Pharmacy Migration
UnitedHealthCare will be consolidating and managing its pharmacy benefit program in house through OptiumRX. Currently the pharmacy benefit manager has be Medco. UHC will begin migrating members starting in early 2013. They have invested more than $200 million in developing OptumRX. UHC starting using OptumRX back in 2009, when it moved Medicare Part D member […]
Qualified Health Plan (QHP)
Next year all health insurance plans must meet the essential health benefits to be considered a Qualified Health Plan (QHP) These requirements are base on: If the plan is offered inside or outside the exchange IF the plan is fully insured or a self funded plan Premiums for Individual and small groups will no longer […]