Essential Health Benefits For Indiana
The Essential Health Benefits have been released by the federal government. This dictates that Insurers must cover 10 broad categories of care. This includes maternity services, doctor and medical services, mental health and substance abuse, and prescription drugs. Why is this important? All individual and small group will be effected by this ruling. This […]
H.S.A’s Under Health Care Reform
H.S.A Health Savings Accounts look to be qualified health plans under the health care reform act. This is huge news! Initially when the health care laws were passed, Health Saving Account we not considered qualified. This meant that if you had an H.S.A plan you would be subject to the tax penalty. From this report, the Actuarial Value calculator […]
Health Insurance Exchange in Indiana
It has been reported that Governor elect Mike Pence is not going to establish an Indianapolis State Based Health Insurance exchange. If the state does not elect to set up our own exchange then a Federally-Facilitated Exchange will be set up without state partnership. HHS will establish and operate the Federal Exchange. Indianapolis will still […]
Preventive Services Under PPACA
Under the Health Care Reform there are new preventive care benefits that every Non Grandfathered policy will have to cover. Some of these benefits will be covered at no cost to the insured. It’s very important that you consult your current coverage to determine if these new benefits will be covered. There will be some plan that […]
Medical Loss Ratio for 6 Health Insurance Companies.
http://companyprofiles.healthcare.gov/ Healthcare.org has released the medical loss ratio for all health insurance companies operating in Indianapolis. It is interesting to see just how close the carrier are to the 80% or 85% loss ratio. With all of the tools the carriers use to keep cost down it is surprising that the loss ratios are not […]
4 Questions For Large Group Health Insurance Rebate Checks.
Did you recieve a rebate check from your group health insurance company? This check was sent to you by the health insurance company in accordance with the Patient Protection and Affordable Care Act (PPACA), also referred to as health care reform. What is this rebate for? As part of the 2010 Health Care Reform legislation, insurers are required to issue rebates […]
Medical Loss Ratio for Health Insurance
Rebate checks are starting to be delivered to both group and Individuals. The rebate check is a direct results of the Affordable Car Act. Medical Loss Ratio Information‐‐The Affordable Care Act requires health insurers in the individual and small group markets to spend at least 80 percent of the premiums they receive on health care […]
Health Care Reform and the Impact on Indiana
This is a great video explaining the negative consequences of the Health Care Reform law. The Governor gives an excellent explanation on how negative the impact will be. He also explains our Healthy Indianapolis Plan and how successful it has been. This plan might not qualify under the new federally requirements for health insurance.
What Doctors Think of the Affordable Care Act
What Doctors Think of the Affordable Care Act This document looks at how the Implementation of the affordable Care act will affect doctors. The introduction is a snap shot of the uncertainties with the new law. The law it’s self is 2,700 page and the Department of Health & Human Services has already issued […]
Senator Johnson Questions Secretary Sebelius
Senator Johnson Questions Secretary Sebelius Regarding Obamacare Cost Here is a questing from Senator Johnson to Secretary Sebelius on the cost of the health care reform. The Senator has some of his facts mixed up and the Secretary seems to be unprepared for the questioning. The Senator was using cost estimate and predictions that had different time […]
