Remote Employees and Insurance Benefits
The Covid-19 pandemic has changed everything in our society, and now we could see job classes change for all size companies. Through the pandemic, it has been proven employees can be productive working remotely and, in some cases, more productive. We are seeing different employee class terminology being thrown around by tech companies: Flex employee- […]
COVID-19 2021 Special Enrollment Period
President Biden has issued an Executive Order creating a Special Enrollment Period (SEP) in response to the COVID-19 national emergency. According to the Centers for Medicare & Medicaid Services, all states that operate a federally-facilitated exchange will have a SEP for all uninsured or underinsured people. The SEP will begin on Feb. 15th, 2021, and […]
President Biden & Health Insurance
As President Biden becomes the next President of the United States, we are starting to get a glimpse of the agenda when it comes to health insurance. President Biden has strong support for the Affordable Care Act, and every indication is that support will continue under his presidency. The recent proposal called the American Rescue […]
Surprise Medical Billing Fix
The surprise Medical Billing fix has been included in the Covid-19 relief deal, which would protect patients from receiving large medical bills from out of network providers. The bill calls for patients to be held harmless in emergencies where they have no control over where they receive medical services, especially when it comes to ambulance […]
2021 Indiana Individual Health Insurance
The 2021 Individual Health Insurance open enrollment is in full swing. Originally started on November 1st and will end on December 15th, 2021. Don’t wait until the last minute to finalize your enrollment. History has shown that the marketplace will have problems in the last couple of days of open enrollment due to high volume. With […]
2021 Indiana Individual Health Insurance
Every year the insurance companies participating in the Indiana Individual Health Insurance market must submit their rates and plan designs to the Indiana Department of Insurance for approval. Any Hoosier who has had to purchase health insurance in the Indiana Individual Health Insurance market know that we have only a few carriers offering coverage in the […]
Health Reimbursement Arrangements (HRA) and Individual Health Coverage 2
If you work or own a small business, you may be familiar with using HRA’s to help reimburse employees for individual health insurance. This strategy has been around for over a decade and has always been controversial under the tax code. Small businesses that have struggled with group health insurance costs and participation requirements have […]
Are you looking for COVID-19 testing?
Indiana residents seeking COVID-testing can find testing locations by visiting www.coronavirus.in.gov. The Indiana State Dept of Health has partnered with OptumServ to provide testing to anyone seeking a test across Indiana. You will need to register before testing at https://lhi.care/covidtesting or call 888-634-1116. How much will the test cost? Nothing. What if I receive a […]
Premium Credits To Employer Insurance Plans
With shelter-in-place orders across the country, there has been a considerable drop off in medical services as result insurance companies are returning some of the premiums to employers in the form of credits. Each carrier is taking a different approach: On health plans- an employer could receive anywhere from 5%- 15% credit based on a […]
Time to review the Insurance Benefits and Processes?
With the economic shutdown from COVID-19, is this a time review insurance benefits and processes? Every business is different, and COVID has impacted every industry, which may lead some employers to re-address their benefits and procedures. Process & Procedures: Employee education on Insurance Benefits has been changing the last five years, to a more digital […]
