Health Insurance Policy for Diabetics
Here at Nefouse & Associates we have found a carrier that will insure Individuals that are suffering from Diabetes. There are some very strict underwriting guidelines. The diabetes has to be treated with medication and not insulin. Also the applicant cannot be taking more than 3 medications. This is a true health insurance plan. Let […]
Repealing Health Care Law
I know most people find health care debate to be boring but the reality is this is going to effect you one way or the other. Congress has formed two committees to investigate the entire law and the impacts that it will have on the economy. I know some people feel this might be a waste […]
Impact of Health Care Reform
Health care reform bill components The health care reform bill passed earlier this year contains a variety of different components that, cumulatively, will have a substantial impact on the overall health care landscape. The following information breaks down some of the various components of the bill. Grandfathered Health Plans Your current health care plan, whether […]
Health Care Reform Legislation Q & A
Q: When does the new health care reform law take effect? A: The health care reform law was enacted on March 23, 2010. Some of the law’s provisions took effect immediately. Other provisions will roll out gradually over the next several years. Q: Are employers required to offer health care coverage? A: Employers will have […]
Individual Health Carriers Tighten Up Underwriting
For 2011 we have seen a increase in underwriting standards for policies to be issued. There are different levels of approval. Preferred Best would be the best rating which means you have no ongoing health conditions. Standard 2 would be the highest risk where a Insured has multiple conditions that are being treated or high […]
State Of The Union Regarding Health Insurance
I listened very closely to the speech given by our president on the State of the Union. I concentrated very closely on the small portion dedicated to health insurance. The speech was very broad and in a sense contradictory to the Presidents actions for the last two years. The fact the President stated that he […]
Health Care Repeal Debate
There is going to be big news on these debate. The repeal passed the house and now it’s on to the Senate. Most experts give it little hope in the Senate. What is interesting about this debate is both side are really only focused on a small % of the total law. The law has specific […]
Employee Health Insurance Premium
If you are the controller or an owner of a small business there are major decision you will have to make on an employee health insurance. The one that I will focus on here is age based vs composite premium calculations. These will impact your employees. Age base premium is exactly what they sound like. The premium is […]
Talk About Health Care Reform
It’s very important that we continue to talk about health care reform. Ask people that are in the health care equation. Speak to your Doctor, Nurse, Pharmacist, and Insurance broker. It’s important for everyone to know what the people in the health care field think about the current reform laws. Right now there is a […]
Health Insurance Sites & Portals
I have read a lot of blogs that are posted online about health insurance. There has been a really disturbing trend in most of these non broker sites. This trend is that the site is giving health insurance advice without having really any knowledge of health insurance. These blog post are beautifully written and designed […]