Tag Archives: medical insurance
MAKING IT COUNT!
According to the Kaiser Family Foundation only 59 percent of all employers with fewer than ten employees offer health insurance to their employees. The benefits of the Affordable Care Act taking effect in 2014 will not only provide individuals with more health insurance options, but will also make it now possible for small businesses to offer health insurance for employees without carrying the brunt of the large cost premium for their small size. Here are some issues that will impact small business with 50 or less employees. Affordability; before 2014, small businesses were at a price disadvantage and usually paid higher premiums for health insurance then the large companies did. Now with the ACA (Affordable Care Act) in place small businesses will have access to more options and less expensive insurance than they could in the past. Variety; in the past it was harder to offer health insurance as a true benefit in the smaller companies but now with the changes that are in place small businesses have many insurance carriers to choose from. Healthcare Solutions Team works the best of these companies. Tax Credits; in the past small businesses with less than 26 employees could only claim a tax …
+ Read Full PostWhat You Need To Know Now!
As of June 28th of this year the Supreme Court upheld the new Health Care reform law and decided that it was constitutional and was keeping provisions already in effect that would allow other new benefits to phase in as scheduled. Healthcare Solutions Team is ready to help you move into a new health insurance plan! Our agents have gone through the training that has allowed them to be able to make the transition from your old plan to a new one be less stressful! Here are some points of information that may interest you. How does the law affect my Medicare? Your Medicare benefits are safe and you can keep you own doctor. Preventative benefits such as colonoscopies and mammograms are free! Prescription drugs will cost less as the “donut hole”, the gap in Medicare Part D coverage, shrinks until it is eliminated in 2020. What happens if I don’t buy health insurance? Most taxpayers who do not have health insurance by January 1, 2014 will be required to pay a special tax on their returns. If you have Medicare, Medicaid or insurance whether it is with your employer or individual you have coverage. At Healthcare Solutions Team we …
+ Read Full PostLESS IS MORE!
Many patients as well as doctors feel that the more medical care a patient has the better, but there is an epidemic of being over treated that has developed. Too many blood tests and scans and procedures are costing this nation’s health care system close to $200 billion a year according to the “Institute of Medicine.” Your agent here at “Healthcare Solutions Team” wants you to be able to take advantage of the many new benefits that are available to you because of the new health-care reform law, but sometimes more isn’t better it can actually cause harm. Some of our carriers such as Assurant Health and United Health One are excited that they can now offer the much needed wellness tests at virtually no cost to you. With the surge in more natural treatments they have designed their plans to offer just a few doctor office visits instead of the unlimited amount that is expected. Cutting back on seeing your doctor can actually be good for your health, really! Seeing a doctor on a routine basis is a good idea when you have a child, or are a senior or have a medical condition that requires monitoring. But, with …
+ Read Full PostNew Healthcare Reform Rules
While March 23, 2010 marked the signing of the Affordable Care Act, September 23, 2010 launched a new set of rules that protect every patient’s care. These healthcare reform laws are only applicable to plans that were purchased after March 23, 2010. All old plans are grandfathered into the old system and are exempt from any new benefits. Health insurance companies can no longer impose pre-existing exclusions on children, nor can they take away your coverage based on a mistake in your application. They also can’t set lifetime limits on your coverage; there are no longer annual caps. These healthcare reform laws also give the patient direct access to the doctors they need. You can choose any primary care doctor or pediatrician you prefer within your plan’s network. Medical insurance companies can no longer require approval before you go to the emergency room at a hospital outside your plan’s network. If it’s a true emergency, you can simply go get care without worrying about your coverage. To enjoy these new benefits, make sure your healthcare plan was purchased after March 23, 2010. Otherwise, you’re exempt from these new advantages.
+ Read Full PostTop 10 Pharmaceuticals Drop in Price
Ten of the most popular pharmaceuticals are about to lose their patents. This expiration means that pharmaceutical companies will now be able to make generic versions and charge a fraction of the price for the same drug. These generic versions can rack up as much as 90% in savings. Bad news for the pharmaceutical companies, great news for the consumers. If you take any of the drugs below, you’ll soon begin to see some money-saving generic options. Pharmaceutical expiring in 2011 Condition Company US Sales in 2010 Lipitor Cholesterol Pfizer $5,329,000,000 Zyprexa Anti-psychotic Eli Lilly $2,496,000,000 Levaquin Anti-biotics Johnson & Johnson $1,312,000,000 Concerta ADHD/ADD Johnson & Johnson $929,000,000 Protonix Antacid Pfizer $690,000,000 Pharmaceutical expiring in 2012 Condition Company US Sales in 2010 Plavix Anti-platelet Bristol-Myers Squibb / Sanofi-Aventis $6,154,000,000 Seroquel Anti-psychotic AstraZeneca $3,747,000,000 Singulair Asthma Merck $3,224,000,000 Actos Type 2 Diabetes Takeda $3,351,000,000 Enbrel Arthritis Amgen $3,304,000,000
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Medical Plans by State:
Alabama, Arizona, Arkansas, California, Colorado, Connecticut, Florida, Georgia, Illinois, Indiana, Iowa, Kansas, Kentucky, Maine, Maryland, Michigan, Missouri, Nebraska, Nevada, New Hampshire, North Carolina, Ohio, Oklahoma, Oregon, Pennsylvania, South Carolina, Tennessee, Texas, Virginia, Wisconsin, Wyoming
Small Business Insurance:
Group Health Insurance, Group Dental Insurance, Group Vision Insurance
Supplemental Insurance:
Vision Insurance, Travel Health Insurance, Accidental Health Insurance, Long Term Care Insurance