Individual Health Insurance for Small Groups
In 2014, we are going to have new options in the small group health insurance market. Under the new health care laws, we are going to see guaranteed issue in the individual market. This is one of the biggest aspects under the new law because now everyone has access to a health insurance plan. There […]
Could a Self-Funded Plan Be Your Best Option?
It’s common knowledge that offering health insurance benefits helps attract and retain great employees, yet businesses are looking for ways to cut costs as benefits get more expensive. Have you ever considered a self-funded insurance plan? In a self-funded plan, a business can provide health benefits directly to employees. Instead of the insurance companies, the […]
Health Insurance Rates
Recently, there have been publications saying that health insurance rates are going up 72% under Obamacare. For example, here is a story in the Indy Star which explains the that under the mandate, everyone must be covered, including those with pre-existing conditions. If this turns out to be true, it will be quite a shock to the wallets […]
Medical Mutual to Exit Indiana Market
Medical Mutual of Ohio has decided to exit the Indianapolis market for group and individual health insurance. This is a real blow to competition in the small group and individual health insurance market. Medical Mutual was a good carrier in the small group market, which gave a nice level of competition to the national carriers. They […]
Less Than 100 Days Before The Exchanges Open!
We’re less than 100 days away from the Indianapolis Federal Facilitated Exchange opening. There are two very big things that need to happen before October for the exchanges to be fully operational. The first one is from a technical standpoint; the government still needs to complete the infrastructure of the exchange. This will enable government […]
Delay In The Health Insurance Exchange
According to this article from WSJ, health insurance exchanges are falling behind schedule, and there is a risk that they won’t be ready to open in time by October. There are multiple news organizations that are commenting on the two reports from the Government Accountability Office. “Whether [the government’s] contingency planning will assure the timely and […]
Health Insurance Plans For Indiana in 2014
We’re finally starting to get a glimpse into the future of health insurance under the Affordable Care Act. Post 2014, there will be no underwriting in the small group or individual health insurance markets. Underwriting has always been the key tool for insurance companies to control risk. Underwriting is the use of medical or health information […]
Health Care Reform Fees
We know you don’t want to pay anymore money than absolutely necessary for health insurance, but there are a few fees that are going to implemented in the new health care reform law. Under the Affordable Care Act (ACA), there will be new fees and taxes assessed on all Indianapolis commercial (group) health insurance plans. These […]
Wellness Programs For Small Companies
A company wellness program is set up in the workplace to offer employees a kind of comprehensive health service, to encourage employees to adopt healthier lifestyles and to take measures aimed at preventing the worsening or onset of illnesses. In the last five years, wellness programs were supposed to bring the most amount of savings for group health insurance. These small […]
Group Health Insurance Options
With Health Care Reform there is a lot of uncertainty in the market place. You do have options! The 1st option is to go with a fully insured health plan. As you may know there are only a few companies that are competitive. We will deliver you the most competitive plan. Our relationships with the […]
