Industry Groups Comment to HHS on Medical Loss Ratios

The Medical Loss Ratio is very critical to the health insurance industry. This MLR is going to have a huge effect on carriers profits and how they operate. In fact we could see some carriers drop out of certain markets reducing the already limited choices of carriers. The HHS has to clarify the laws on  the […]

High Risk Pool Insurance Plan

Under the new health care reform laws each state has the option of setting up a high risk pool insurance plan. The state of Indianapolis has declined to participate in this high risk pool. Currently we have a high risk pool called Indianapolis ComprehensiveHealth that will contiune to operate seperatly from additional high risk pools. […]

Indiana Enrolled Dependents Through Age 26

Recently we have had a handful of national carriers all agree to carry existing dependents through age 26. If the dependent is eligible for the plan you will have to wait until open enrollment. Remember to look at possible individual coverage as it may be significantly cheaper. To clarify, we will automatically extend coverage for […]

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 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 […]

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 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 […]

President Obama’s Health Insurance Ideas Have Resistance

While President Barack Obama continues to shape and mold his healthcare reform policies, said to be the most controversial in decades, it is not met without resistance from both sides of the isle. Obama’s plan would attempt to make health care universal while still allowing the use of private healthcare services. Read the full article at Reuters.