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Deductibles | Copay’s | Co-insurance | & Maximums
A Question that is often asked is, with regard to health insurance policies is how do deductibles, copay’s,co-insurance & out of pocket maximums work? Here’s a short 3 minute YouTube video from Humana on this subject: Deductibles and Coinsurances If you have additional questions call the health insurance agent you work with or give us […]
Diabetes and Diabesity | What We Can Do About Them
Diabetes or Diabetes Melitus, which is the full name of the disease that people have some chance to control by how they live and eat. There are three major types of diabetes melitus (DM). Type I DM This is the type where you body does not make insulin and so the person has to take […]
Health Insurance Exchange Plans
The ACA (Affordable Care Act) or the Patient Protection Affordable Care Act (PPACA), also know as Health Care Reform (HCR) has outlined and mandated that there will Health Insurance Exchanges or Health Insurance Marketplaces. There will be both Public and Private Exchange Health Insurance plans. There will continue to be Individual and Group plans sold […]
May is Disability Insurance Awareness Month 2013
May is Disability Insurance Awareness Month (DIAM). We all need to condenser what would happen if we could not work or even just get around and take care of our selves and the ones we love. And not to mention what would happen to the income we do get from getting up and going to work each day. Today I had the pleasure of witnessing a clients […]
U.S. Healthcare Reform Resources
The following is a list of books and other resources on the subject of health care problems we face in the United States at this point in time. I believe these problems have been building and are now big. “Medicare Meltdown: How Wall Street and Washington are Ruining Medicare and How to Fix It” by Rosemary […]
Subsidized Health Insurance Coming In 2014
The subsidized health insurance plans in the ACA or PPACA law could have some unintended consequences for people who make use of the premium subsidy. A subsidy will be available for plans purchased through the government exchange for coverage starting in January 2014. I read a story in my local Sunday Houston Chronicle newspaper. It was published as an AP piece in section […]
Group Health Insurance for Small Companies in Texas
What will companies with less than 50 employees do starting in 2014 as far as health insurance is concerned? The short answer is the company can do what ever it wants to do. Employers with less than 50 employees do not have to offer a group plan or they can. Only employers with more than 50 employees will […]
Houston Chronicle Health Zone
I read the latest edition of the Houston Chronicle Health Zone, in my Sunday paper 03/24/2013. It is hard to believe it was Palm Sunday, and holy week is here. I hope all have a blessed Easter and it brings a nice start to spring for 2013. Pray for “Peace for us all” and some rain. Note […]
ACA Information for Employers 2013
Heath Care Reform or as I call it ACA (Affordable Care Act) will continue to dribble out information for all Americans. I will do my best to keep up as I can and publish information, updates, and links on this website. I have labeled posts on this subject “Healthcare Reform.” The Internal Revenue Service (IRS) […]
Life Insurance Planning for 2013
This article is about planning that no one wants to dwell on, but everyone should. In other words, “just do it,” so that if something unexpected happens. you won’t be leaving a mess for your loved ones. What I am saying is take some time and make sure you have a Last Will & Testament […]
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