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Apples and Oranges: Understanding the Four Levels of Health Care Coverage

apple-orangeOne of the most common—and justified—complaints heard from consumers when it comes to choosing heath insurance plans is the difficulty in comparing different plans, whether it is from the same carrier or across different carriers. It has likened to the challenge of comparing “apples to oranges,” as the old saying goes. That’s one of the reasons the Patient Protection and Affordable Care Act (PPACA) has established what it refers to as the Four Metal Levels of Health Care Coverage. Read More…

Leveling Insurance Premiums with Community Ratings: The Good News and the Bad

levelLast week, we talked about how the time for open enrollment is fast approaching—at which point those individuals who are presently “uninsurable” will no longer be declined coverage. This enrollment period begins October 1 for coverage to take effect January 1, 2014. We also mentioned how the structure of insurance rates will also change under the Patient Protection and Affordable Care Act (PPACA).

Under Obamacare, insurance premiums will be determined by something called “community ratings.” Read More…

Uninsurable? Not Any More. Open Enrollment for 2014 Coverage Begins October 1.

hourglass200x133I am sure you are no stranger to the political rhetoric that has floated about when it comes to the Patient Protection and Affordable Care Act (PPACA, or more commonly referred to as “Obamacare.”). However, if you haven’t given much additional thought to health reform, here are a few points to consider:

  • Despite this debate and division over its merits, on March 23, 2010, President Obama signed the law into effect.
  • Many thought that the Supreme Court would strike down the law by ruling the individual mandate as unconstitutional; yet the Supreme Court upheld the individual mandate last summer.
  • Many thought President Obama would not be a re-elected based on his health reform-related policies; however, he was reelected. Read More…

Do You Have a Health Insurance Advocate?

HEALTH REFORM INDIVIDUAL MANDATEWhen it comes to health insurance, one of the most common complaints I hear from people is that it’s way too complicated and confusing. Further, when they talk with agents, it’s almost as though the expert they are speaking to trying to keep them in the fog, as opposed to clearing the air.

Further, as we get closer to the full deployment of the Patient Protection and Affordable Care Act (also known as Obamacare), many people, especially those in business with employees, are realizing that health insurance is not getting simpler. In fact, it is becoming even more complex than before. Read More…

Switching Up Your Grandfathered Health Plan: Hit the Gas or the Breaks?

4364595229_e4b455182c_mA few weeks ago I posted an article about some of the changes in President Obama’s Patient Protection and Affordable Care Act (PPACA or, “Obamacare”)—changes that were not forthcoming but were already here. This is still news to many people, despite the fact that the vast majority of change is due to go into effect come January, 2014.

Most of those previous changes went into effect in September, 2010. If your health plan predates that time, it is likely “grandfathered,” which means that it is not subject to most of the new mandates. Because of these mandates, according to the PPACA,  the vast majority of policies issued since September, 2010 must now include: Read More…

Prevention Saves Money

man exercisingWe all know what an ounce of prevention is worth.

That’s the value in leveraging individual health insurance as part of an overall wellness plan. It’s not something that is saved for when you get sick or injured.

People who have individual health insurance coverage use it to prevent serious medical conditions from happening down the road, with the preventive benefits they enjoy. These include regular physicals, immunizations, blood tests, and screenings that are age and gender appropriate. All at no out of pocket cost to the patient. Read More…

Why is the Cost of Healthcare So High?

Pill bottle with cash inside BEThere are a lot of factors that have led to the rising cost of healthcare.  Even with health reform, intended to reign that in, it will probably be decades in the making before we completely solve that equation. However, one of the key factors that drives the cost of health care—and health insurance—is consumption.

How you access care is a huge factor in determining how much that care costs.  For example, if you go to ER or wait for your chronic illness to become acute before you seek treatment or help, that is going to put a huge burden of cost on the system. Indeed, it will cost much more to treat that illness later in the game (often with less desirable results) than it would have been had the illness been diagnosed and treated earlier. It’s the classic “cost of prevention” scenario. That’s why, in the effort to reign in control of the cost of healthcare, there is such a focus on wellness and prevention. Read More…

Large Corporations Reduce Premium Costs with Individual Employee Health Insurance

syringesSave Big Money with Individual Employee Health Insurance Plans

If the economy has hit your corporation, you can save money with more cost-effective insurance plans.  Move away from expensive group employee health care plans that only drain your budget. understands your financial struggles. Choose a far less expensive alternative to group insurance premiums – Ohio individual health insurance plans. Read More…