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 […]
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 […]
Small Group Employees Gaming Health Insurance
Small group health insurance can be difficult. The last few years has created a lot of shifting on to the employee in both cost and risk. This has mainly been because of the price of health plans and the economy. If small a company revenues are off its difficult for them to absorb a rate increase on […]
Insurance premiums rise for employees in 2011
Workers are expected to pay more for health care coverage in 2011 than in 2010 as part of the steepening rise in premiums and employees’ share of the cost. Experts say that increase could keep workers from getting the care they need. The average cost of group health insurance coverage is expected to rise 8.8% […]
Obama administration Granting Dozens Of Waivers
The Obama administration has granted dozens of waivers to companies so they do not have to comply to the health care reform. McDonald’s released a statement that their current health plan to the hour employees would not meet the health care reform requirements. So the administration granted them a one year wavier reported by the […]
Indiana Health Insurance Reform Key Points
Below are a list of key points that have gone into effect. The new coverages will increase the premium for everyone but may benefit % of policy holders. YOUR HEALTH COVERAGE CANNOT BE ARBITRARILY CANCELLED IF YOU BECOME SICK Under the new law, health plans are now prohibited from rescinding coverage except in cases involving […]
