Archives for tfbuser
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 […]
Health Insurance Small Business Tax Credit
The Small Business Tax Credit from the Health Care Reform Bill was signed into law on 3/23/2010. So how does the small employer health care tax credit work? As with most tax issues there is no short answer. In this post I will provide information and resources to help you and your tax professional navigate […]
Deductibles | Co-Pays | Out of Pocket Maximums
Most people look at health insurance first by the deductible on the plan. For example, my plan has a $1,000 deductible. But what does this really mean and is there more to this? In short this is a good starting place for a PPO or even a new HSA type plan, but there is a […]
Medicare Open Enrollment For 2011 Coverage
This year end open enrollment is for current members of Medicare who want to change the insurance coverage they have to some new plan. Know you will have to go through underwriting to make a change and you must do this between Nov 15 through Dec 31, 2010. I am writing about this topic in […]
Medicare Open Enrollment
The Medicare open enrollment period began November 15, 2010. The period is different this year in that it will be shorter and ends on 12/31/2010. So it will be a challenge for participants to make firm decisions and act within this time period. It will be an even bigger challenge for Insurance professionals that specialize […]
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