Healthcare Reform for Indiana Non Profits
The U.S. healthcare overhaul bill will provide insurance coverage for millions of Americans and possibly lower healthcare cost inflation, but it poses an increased credit risk for nonprofit providers, Standard & Poor’s said on Thursday. The outlook for 2010 remains one of stable credit quality after a period of deterioration from 2007 to 2009. But […]
Indiana Dependent Health Insurance
As of September 23rd of 2010 dependent children can not be declined or pre-x from a health insurance policy. This is creating some interesting situations. Right now we have seem some carriers stop selling stand alone children’s policies which is concerning. I can only speculate why they have stopped. One reason is the carriers are getting […]
Indiana Health Care Tax Credit
Nefouse and Associates wants to remind small business owners about one of the first provisions of the recently passed health care reform legislation, the Patient Protection and Affordable Care Act, to go into effect – the small business health care tax credit. This tax credit encourages small business owners to offer health insurance coverage for […]
Indiana Adult Child Coverage
Under the new health care reform children/adults can stay on their parents health plan until 26. Here is the issue that will arise with this. Can the parents afford to cover the adult child on the plan. With most group health plans today employees pay for their dependents. On the other side if the parent is already covering other children on plan […]
Health Insurance for Children
Indiana Health Insurance for Children under the health reform act will no longer allow the insurance carrier to Pre X or decline children under 19 years of age. This is the first step in Health Care reform that is going to have a huge impact on Individual policy holders and carriers. Once this goes into […]
Indiana Tax Credits for Small Group Health Insurance
Under the new health care reform tax credits will become available for small business health plans. The first issue to address does my company quality? With premiums increases every year a tax credit could help a small business keep a health plan in place. Effective January 1, 2010, tax credits are available to qualifying small businesses that offer health insurance […]
Indiana Limited Benefit Plans
With the passage of the Patient Protection and Affordable Care Act (“PPACA”) and the Health Care and Education Reconciliation Act of 2010, Americans face a new era in health insurance. While there is still much guidance to come from the government, Major changes to the limited medical industry are coming this Fall. Limited medical plans […]
Indiana Grandfathered Health Plans
This is going to be very interesting to see how the grandfathered plans are treated from a carrier standpoint. It’s very possible that these plans could cost less than the new generation of plans that will be launched under the health care reform. The next few years these grandfathered plans either group or individual could […]
Indiana Gap Insurance Policies
Group Gap Policy for Major Medical plan Group Gap Policies can help to offset health insurance premiums. Instead of complete cost shifting a high deductive the employer can pay for a gap policy that will pay a portion of the insured’s deductible. Typical Plan Overview and Benefits Gap policies have been specifically designed to pay […]
UniCare Pulling out of Indiana
UniCare Life & Health Insurance Company (UniCare) has made decision to terminate its group and individual health insurance business locally. Following a transition period, UniCare will no longer provide health insurance in Indiana. UniCare is pleased to collaborate with Anthem Insurance Companies, Inc., (Anthem), which will offer replacement coverage, on a guaranteed issue basis with […]