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 […]

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 […]

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 […]

Employee Health Insurance Tools

Right now with all major health insurance companies there is a huge amount of online tools. These online tools have many functions. There are claims checker, Nurse Chat, Health Assessment, and even price shoppers that are available through your carriers website. If you are an employee  on a sponsored group health plan it’s your responsibility […]

Weight Tables for Health Insurance

In the individual  health insurance there are many underwriting guidelines but none are more controllable than your weight. Weight can determine what premiums you pay. For example a male that is 5’9″ if he ways 128-188lbs then he could qualify for Preferred 1. This would be the best risk factor you can get which mean […]

Hospitalization and Surgical Health Plans

As health insurance prices continue to surge we are seeing a higher demand for Surgical and Hospitalization health plans. This type of approach for health insurance is being entertained in both individualand small group health markets.  These plans show a change in how we view health insurance. People are willing to take out a plan […]

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 […]