Author Archive
Hurray for HRA’s
Health Risk Assessments (HRA’s) have been around for many years. Physicians ask you questions and maintain data on your overall health so that they can provide appropriate care based upon one’s health history and current medical conditions.
Today the HRA is becoming a more common way that employers are providing a resource for employees […]
Why Does My Health Insurance Cost So Much?
Health insurance costs have nearly doubled in the last decade. In some cases, employer health insurance costs have more than doubled. The increase in health care cost has caused a “trickle-down” economic policy for consumer’s share of the health care burden.
As costs have risen for employers, employers can handle price increases in […]
Why Are There 47 Million Americans Without Health Insurance?
The answer to this question is not because 47 million Americans cannot get health insurance. The answer is far more complex. There are millions of Americans who cannot get health coverage due to their health status. Americans with serious health conditions are often unable to get policies due to health insurers not […]
Are You Using Your Section 125 Wisely?
What is a Section 125? A section 125, or cafeteria plan, is a part of the Internal Revenue Code (IRC) Section 125 code that allows for certain qualified expenses to be purchased using money set aside in an account that employee has put money in with pre-tax dollars.
These cafeteria plans can be […]
Can You Really Save with a Health Savings Account?
Before we talk about saving money in a Health Savings Account (HSA) let’s talk about what an HSA really is all about.
HSA are tax preferred savings accounts for use to pay for qualified medical expenses. HSAs must accompany a qualified high deductible plan (QHDP) to be allowed. Individuals or business can participate in […]
Big Bucks for Small Business Health Insurance
Health insurance for small businesses is among the most flexible health insurance products for employers. Large employer’s rates are determined by the claims experience of their particular employees. Small employers are generally pooled with other small employers within a given industry or in a general pool of businesses of many industries.
The best news […]
Finding Florida Health Insurance Coverage
Finding health insurance coverage for the individual residing in Florida should begin with a visit to Florida Insurance Department’s website so that health insurance coverage for individuals can be evaluated. The Florida Insurance Department will provide a list of all insurers licensed in the state who conduct individual health insurance.
Once you have obtained this […]
Health Insurance Rating: How Much Does Health Insurance Cost?
Health Insurance policies cost and rating varies by state and by policy type. Individual policies are rated according to state guidelines overseen by each state’s Department of Insurance. Individuals have more challenges to get coverage than ever. Health insurers are able to exclude conditions or totally deny coverage to individuals with prohibitive […]
Employer Health Insurance Covers Fewer Employees Today
Why are employer health insurance costs rising so much?
Employers are facing tremendous pressure today to handle the increasing costs of health care insurance. The health care insurance industry is as volatile as has been seen in more than a decade. Many employers are wondering how they can afford to maintain their benefits.
This […]
What is the Definition of Primary Health Care?
Coordination of Benefits (COB) is a process by which two or more insurers who are insuring the same person for the same or similar group health coverage limit the total benefits received by the insured. The primary health care is the health insurance that will pay first on medical claims. Secondary health insurance […]
