There is a new definition for a small employer for 2014. This “small” change will affect a lot of people. Let’s review for a minute, before 2014, the “size of a group” was determined by eligible employees. This number came from how many people were full-time (and had satisfied their waiting period), or were COBRA …
Category Archive: General Insurance
Feb 01
Are you Ready for Affordable Health Insurance?
As Kathleen Sebelius, Secretary of Health and Human Services Posted January 16, 2013 in her article Countdown to Affordable Health Insurance … Great things are coming October 1, 2013. And we have a lot of new things to look forward to around the corner. Basically January starts the Countdown to the open enrollment that begins …
Jan 14
The Rise of Health Insurance Premiums
What is this we see … Health Insurance premiums are increasing? And why is this we hear … because of the Affordable Care Act aka ObamaCare! Tell me it isn’t so. Good Morning America, it is exactly as I predicted; health insurance premiums are on the rise because ObamaCare takes effect in 2014, according to …
Jan 09
“Tis the Season” … of the Flu!
The holidays have passed, but “Tis the Season” … Flu season that is! As you would guess, my fiance woke up this morning feeling like Wreck It Ralph (looking like him too). But of course, he is Superman and still going to work, like most of us would … we all know we have to …
Dec 13
Insurance Companies & Rate Increases
Ahhh, the dreaded concern … will I have a rate increase and when. Good question. Speaking in General, of course, and mainly about health insurance companies, here is the scoop. Most companies including Medicare Supplement and Major Medical generally have a 12 month rate guarantee. They are not required to, but you will want to …
Nov 15
Long Term Care … Do you have a Plan?
Most people ages 40 and up should be thinking of a plan if they are ever confined to a nursing home or home health care. Most insurance plans, including Medicare, have limited coverage, if any, for it. We recommend buying long term care insurance before you are age 60. The qualifications are lighter than health …
Oct 25
Do you have pre-existing conditions and NO LIFE INSURANCE? Read this …
I found this article, and I knew a lot of people didn’t have life insurance because they didn’t think they could qualify, however When Genworth put a study together and actually put numbers in my face … I am shocked!!! Read this article, then read all the way to the bottom for my advise. 🙂 …
Oct 19
Kodak ends health care to save billions!!! Who is next???
Read the full story at Business Insurance On The Go. On October 11, 2012, Kodak Co said it was ending retiree health care and survivor benefits at the end of 2012. Seems as tho Kodak was already in bankruptcy proceedings and they feel this will help improve its liquidity. Sad that retirees thought they were safe …
Oct 17
Small Businesses Struggle to Provide Health Coverage
Wednesday 17, Oct 2012 | 11:07am Helping the Bottom Line Sources Introduction Across the country, small businesses are struggling as the cost of health care continues to skyrocket. Americans who build and run the millions of small companies around this country have seen insurance costs consume a greater share of their payroll. High costs are making it …
Oct 11
Should I put my dependents on my group or individual?
Should you put your dependents on your group or individual coverage? I get this question everyday. It isn’t a simple answer most of the time. Currently as I write this 10/11/12 (cool, look at the date) this is the best answer: First and foremost … if anyone has medical conditions, speak with an agent for …