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Category: Health Insurance

Limiting Coverage to Employees Only May Help Employers and Employees

Nearly all employers allow their employees to add dependents, such as a spouse or a child, to their medical insurance plan. Some companies even pay a portion of the extra premium that results from adding the dependents. As health insurance premiums skyrocketed over the past few years however many employers […]

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The Insurance Broker Advantage

Dealing with insurance coverage these days seems to require a certificate in insurance studies. Everything from the language and special terms to the cost and complexity can intimidate and frustrate even your most savvy consumers. To make things worse new lines of insurance are becoming available every year. You can […]

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The Pros and Cons of Health Insurance through your Employer

It is one of the first thoughts many people when considering a new job. Assuming the new employer offers health insurance, and that’s becoming a big if, are you better to take the coverage or find a policy on your own. Unfortunately there isn’t a simple yes or no answer. […]

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How much does health insurance cost?

This is a loaded question! The answer depends on so many different factors. Below we have broken down into categories the types of health insurance you might be looking for and some of the factors that affect the premium. Some may seem obvious and others will definitely surprise you. Individual […]

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Coinsurance Demystified!

It’s not your deductible, it’s not a co-pay it’s… coinsurance! Health insurance used to be simple. Well that’s not really true but at least is was easier to understand than the policies being issued today. Part of the reason for the complexity of the new Affordable Care Act compliant policies […]

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ACA Medical Loss Ratio Rebates

The Medical Loss Ratio (MLR) provision of the Patient Protection and Affordable Care Act (PPACA) that was passed by Congress in March 2010 and recently upheld by the U.S. Supreme Court was supposed to drive down the cost of health insurance coverage. One of the ways it was going to […]

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A Different Approach to Employee Benefits

Many employers have considered offering their employees individual health insurance as opposed to their current group health programs. The main reason for this is the substantial cost savings. Just take a look at this one-page rate comparison spreadsheet . The plan on the far left is a fairly standard Blue […]

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What goes towards my health insurance deductible?

The Affordable Care Act’s Tax penalty for citizens that do not obtain health insurance has inspired quite a few people to shop for health insurance for possibly the first time in their lives. The new shoppers tend to have a lot of questions and one of the more popular ones […]

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