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Category: Health Insurance

Health Reimbursement Arrangements – Thoroughly Explained

FAMILIAR Scenario Here’s a common scenario that most small business owners have experienced. Your health insurance renewal arrives in the mail. You set it aside for a week or so, as you really don’t want to open it. One day you muster up the courage to finally review the dreaded […]

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Emergency Room Visits and Out of Network Doctors

Scenario Imagine that you have some type of medical emergency. It could be chest pain or catching a foul ball in the eye. So long as it is serious enough to require a trip to the emergency room (ER). As a responsible policyholder, you go to a hospital that accepts […]

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Reference Based Pricing – What Employers Need to Know

Background on Reference Based Pricing Health insurance premiums have been steadily increasing for the past decade. So it’s no surprise that employers have been searching for less expensive ways to cover their workers. And recently, a promising new insurance model called Reference Based Pricing has been gaining popularity. So how […]

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HSA DOLLARS

Will the HSA Save the Day?

Many politicians have touted HSAs as a fix to our healthcare crisis. In fact, HSA expansion is a key part of the American Health Care Act, the legislation slated to replace Obamacare. But what are HSAs and how can they be used to fix America’s healthcare problems? Let’s take a deeper […]

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Trumpare Will Fail

Why Obamacare Failed… and Trumpcare will too!

Should’ve Called it the Accessible Care Act You would think, with a name like the Affordable Care Act (ACA), the law would be sharply focused on reducing healthcare costs. And yet in the original 2,000 plus page bill, it is sparsely mentioned. Instead the legislation aims its attention at accessibility to health […]

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Trumpcare Sign

Trumpcare – An Early Look

Get my crystal ball We begin our Trumpcare series with a look at some of its key features. And while nothing is written in stone, there are two leading proposals, the Patient Care Act from Senator Orrin Hatch and A Better Way by House Speaker Paul Ryan. Their plans share some […]

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New Health Insurance Options for PA Small Businesses

New Health Insurance Options for PA Small Businesses

A light at the end of the tunnel Finally, after 6 years of the Affordable Care Act (ACA), new health insurance options for PA small businesses are starting to pop up. And just in time too, since our local insurance market was beginning to look quite grim. Why PA Needs New Health […]

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Hidden Gems of the ACA

If you had the time to read through the 2,300 page health care reform bill you might be surprised that it is not all bad, or good for that matter. However we have been reading not only the bill but also the plethora of articles, both in print and on […]

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Understanding Secondary Insurance

Is it better to be covered by two health insurance policies? We get asked this question more often than you would think. Two common scenarios are; a couple who is offered coverage by both of their employers or a child that is eligible to go on both of their parent’s […]

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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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