Early Retirement and Health Insurance
One question we field almost on a weekly basis is: “What is health insurance going to cost if I retire before 65?” Under the Affordable Care Act, it is not an easy question to answer because everyone’s situation is different. When trying to budget for individual health insurance it’s important what time of year you […]
Health Insurance & Presidential Elections
The Kaiser Family Foundation (KFF) is an organization that researches a variety of health care topics. They just released a quiz on health issues with the presidential election standpoint. It’s a brilliant way to test your knowledge of the politicians and their views on health care. With health care being one of the tops of […]
Individual Health Insurance 2020
This is Nefouse & Associate’s sixth open enrollment since the affordable care act has gone into effect. We are one of the last Indiana based agencies to still be active in the individual market. There has been a lot of changes, but one thing has stayed the same, costs continue to rise. We have just […]
National Association of Manufactures launches an AHP
The National Association of Manufacturers (NAM) has launched an association health plan (AHP) that is available in Indiana to start January 1st, 2020. Mercer developed the health plan through UnitedHealthcare. An association health plan (AHP) is developed specifically for an association and its members. The NAM AHP is operating under the rules where each group/company […]
The Short-Term Health Insurance Evolution
Short term health insurance has gone through an exciting evolution since the passing of the Affordable Care Act. Before the ACA going into place, the short term was a health insurance policy that you would use to ensure against major medical claims for a short period. The most common use was coverage in between jobs. […]
Health Insurance options 2020
Open enrollment is right around the corner for most people that have health insurance. Most of the employers have a January 1st renewal with the open enrollment period a month prior. The Individual market open enrollment is Nov.1st -December 15th. Indiana has become one of the most expensive states for health care; this was revealed […]
Anthem’s Chambercare Health Alliance
Anthem has developed a new Group Health Insurance plan for Indiana small group employers. This is in direct response to the unintended consequences of the Affordable Care Act (ACA). Under the ACA, Indiana small group health insurance rates have doubled, and Anthem has been one of the last large to bring a solution to market. The […]
Executive Order to Reveal Health Care Pricing
On 6/24/19, the President of the United States issues an executive order requiring Hospitals and Insurance companies to reveal what they are charging or paying for services. The idea is to make health care cost transparent, which then would lead to consumerism and then medical providers reducing costs to attract more patients. Primarily pressuring the […]
No Surprises “Balance Billing” Act
Congress has bipartisan support on stopping or limiting surprise medical billing if a patient receives care from a non-network provider that provider will “balance bill” the patient which create surprise medical billing. Balance billing is happening all over the country, including Indiana. The patient usually in an emergency receive medical services from a provider that […]
Indiana Group Health Narrow Networks
When it comes to health care and group health insurance, Hoosiers have always preferred PPO networks which allow the member to choose which medical provider they want to receive treatment from. With any group health plan, Indiana employees have demanded that they could choose their medical providers. This is starting to change because the cost […]
