Individual Health Insurance and Electric Fund Payments

Most people that have an individual health policy has premium payments set with an electric fund transfer from a bank account. The health insurance industry like many others has really shifted to paperless. In fact if you want a monthly bill mailed it could cost you anywhere from $5-$25. These EFT are good and bad. […]

How Health Reform Will Impact You In 2011

As we enter in 2011 more aspects of  health care reform will have a direct impact on you. All wellness and preventive care is now covered at 100% with not cost to the customer.   So there is no reason not to get your yearly check up. Technically speaking if you have diagnostic services done for wellness […]

Health Saving Account

In 2003 the Medicare Prescription Drug, Improvement, and Modernization Act went into place and created the Health Savings Account. The health saving account is a high deductible health insurance plan.  All medical claims go towards the deductible for the exception of wellness. All preventive and wellness procedures are covered at 100% with no cost to […]

Health Insurance for Autism

Here at Nefouse & Associates we have been insuring children that suffer from Autism for almost 5 years. I feel we are the most experienced Brokers in the state when it comes to insuring  autism. The past few years children suffering from Autism have been very fortunate with the Indianapolis Autism mandate. Under the mandate Autism has […]

Short Term Health Policies

There is been a much higher demand for the short term health policies here in Indianapolis than in the past. I think the reason for this is the lower cost of the short term policy. In the past short term policy were manily used by students and singles that were in transition from one health […]

Guaranteed Issue for Children Under 19

Under the health care reform children under 19 can not be denied or pre x on health insurance. This law is now in place and the carriers have developed strategies on the law. The first thing the carriers have done is completely with drawn from the stand alone children’s policy. So now in this country you […]

Medical Loss Ratio Explanation From Anthem

The new Medical Loss Ratio will have a huge impact on health insurance companies. There is major concern in the industry that we could see some carriers pull of certain markets. The market that creates the most concern is the Individual market. This segment of insured represent a small portion of the overall block of […]

Employee Health Insurance

Indianapolis based companies are having less options for group health insurance. In the last year we have seen multiple carriers pull out of the health insurance market. Principal recently announced that they will no longer provide group health insurance in the state of Indiana and the rest of the country. Humana has chosen to no […]

Health Insurance Exchange

Right now the state has taken the federal grant to explore setting up a state base exchange vs a federal exchange. This is very important on the future of health insurance and health care in the state of Indianapolis. If it is a state based exchange then we should see competition within the carriers operating […]

New Indiana Grandfather Rules for Health Care Reform

New Rule for Grandfathered Plans Under the Patient Protection and Affordable Care Act (PPACA), health plans that existed on March 23, 2010 are generally considered “grandfathered plans.” Grandfathered plans are exempt from some of the health care reform requirements, including coverage of preventive care services with no cost-sharing and patient protections such as guaranteed access […]