Archives for tfbuser
Insurance Actuary Defined
An actuary is a mathematician in the insurance field. They are responsible for calculating premiums, developing plans and defining underwriting risk. A person who is an actuary by training or collage degree can work as an insurance company “underwriter”. This is the person that evaluates the risk in taking on a new policy for the […]
BMI & Personal Weight
What is BMI (Body Mass Index)? How is it calculated and what use is it to me and Insurance companies? BMI is a number based on a person’s weight and height that provides a way to estimate the effect of weight on health. The higher the BMI, the greater the risk of diseases such as […]
Agent – Broker | Glossary of Insurance Terms
I am picking up on my Glossary of term topic and am going to the beginning of the alphabet for this. I will talk of the title of Insurance Agent and Broker. An agent – a licensed individual who represents several insurance companies and sells their products. There are also agents that sell for and […]
Individual Dental and Vision Insurance
These are most often thought of as group benefits (Insurance obtained at work. (Work Place)) But they can be obtained for individuals and families. The following with talk of Dental and Vision coverage and give a link where I can help Individuals get a quote for Insurance coverage and apply on line. Dental Insurance Dental […]
Out-of-Network Rates
The common advice given to people with health coverage is to make sure your doctor is in network. Plans have IN and OUT of network coverage. Talking of PPO (Preferred Provider Organization) plans, your benefits are richer for the user in network vs. out of network. Consumers know they will have to pay more to […]
May Is Disability Insurance Awareness Month (DIAM)
I believe my job is to help people protect or try to “cover” risk in life. Disability Insurance (DI) is an area we all should at least look over and be aware of. According to the numbers this is “the” risk that affects the most people, whether we want to think about and evaluate it […]
Affordable Group Insurance For Texas Small Businesses
Healthy Texas Healthy Texas, a new statewide public/private partnership health insurance program for small groups of employees in Texas, went into effect January 1, 2011. The partnership is between the Texas Department of Insurance (TDI) and two major health insurance companies, United Healthcare (UHC) and Celtic and came about as a result of the new […]
Health Care Reform Status February 2011
I often get asked “what is the status of the Health Care Reform law”? This topic is known by several different names as I have listed below: Health Care Reform (HCR) – Affordable Health Care (AHC) – Affordable Care Act (ACA) Affordable Health Care for America Act (AHCAA) (H. R. 3962) (the House bill) […]
C-SPAN Healthcare Reform Video
The following video from C-SPAN’s morning show, “Washington Journal,” presents the status of healthcare reform from NPR healthcare reporter, Ms. Julie Rovner. It shows the status as she sees it as of 01/09/2011 and is about 30 minutes long. Julie Rovner talks about the implementation of the Health Care Reform Law and took viewer calls […]
Credit for Prior Credible Coverage
Any pre-existing condition waiting period met under an employer’s prior (qualifying) coverage will be credited to the current plan, if any interruption of coverage between the new and prior plans meets state guidelines. Not having a lapse in Health Insurance can be very important, especially if you have health issues. If you go without Health […]
Subscribe by RSS