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Health Insurance Education

Would You Like Some Insurance With Your Insurance? [Kaiser Health News]

Would You Like Some Insurance With Your Insurance? By Bram Sable-Smith, Side Effects Public Media For the first time in her life, 26-year-old freelance designer Susannah Lohr had to shop for health insurance this year. She called up a major insurer in the St. Louis area where she lives, and it offered her a plan with a hefty $6,000 deductible — that’s the amount she would have to cove...

What to Expect From Obamacare With a Medical Condition

If there was one population of Americans you wouldn't expect to give up hope on the health law, it's the chronically ill. People with medical conditions and advocacy groups have continuously backed the Affordable Care Act, but as the new breed of health plans takes effect, they may find the coverage they are eligible to purchase is less than they hoped for. Obamacare's mission to overhau...

A Little Known Health Reform Feature: Free Health Plans

Free coverage is available to millions of people if they qualify for tax credits that cover the full cost of certain plans on the exchanges, a detail that hasn't been brought to light until recent estimates were discussed by the New York Times on Sunday. Such plans have gone practically under the radar until now, likely because they are accompanied by major compromises. According to several...

Deadline to Bypass Penalty Tax is Sooner Than March 31

UPDATE: The Obama Administration announced on Oct. 23 that anyone who applies for coverage during the open enrollment period -- up to March 31 -- will not be penalized for being uninsured. This provides six additional weeks for individuals to apply for coverage on the exchanges. Just when the country is starting to comprehend the Affordable Care Act, it seems there is less time than perhaps...

High Deductible, High Stakes

When purchasing a health insurance plan, it may be most enticing to choose the lowest premium available to save money. However, as any of our brokers will inform you, the lowest monthly fees do not equate to practicality when it comes to medical costs. Part of the reason to buy health insurance is to prepare for the unexpected, and who's to say that when the time comes to visit the emergency r...

Fall Open Enrollment Season 2012: What to Expect

Those with group health insurance are granted one opportunity per year to modify their benefits and choose another type of plan. The fall open enrollment season is currently upon us, therefore eligible employees and their families should take a few facts into consideration before they line up to change their health plans. This season, several alterations have been made, including slightly h...

Telemedicine

Imagine a doctor’s appointment without the commute, or the waiting rooms with strange smells, forced to peruse magazines you would never typically pick up just to ignore your surroundings. The living room sofa, your local drugstore, or the coffee shop are the potential faces of the new waiting room. With the capabilities of telemedicine, the virtual realm has extended itself to online doctor visit...

Exchanges!

A Proposed Rule Could Make Millions Ineligible For Health Insurance Subsidies by Erik Berman A major issue in the workplace today is the U.S. Government’s Health Care Insurance subsidy proposal to allow low to moderate income employees to opt out of their employer's health insurance coverage and instead get federal subsidies to buy insurance through new state-based marketplaces, called “exchange...

Health Insurance Underwriting Guidelines

One of the craziest things that has ever happened to me as a webmaster in health insurance happened when I started getting inundated with harassing phone calls and emails from the insurance companies for posting underwriting guidelines in my website.  I don't know why these documents are so secretive and guarded but I can say I was threatened with losing contracts and lawsuits if I didn't pull the...
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