Author Archives: fbg123

Voluntary Benefits Menu Is Bigger and Better Than Ever

It turns out that there is life beyond major medical. This is important for employers to take to heart because some of the other forms of employer benefits will soon take on increased importance in the medical insurance landscape in … Continue reading

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Controlling Health Benefit Costs: What We Can Learn from The Best

  For all the difficulties with the rollout of the Affordable Care Act, there has been some good news: The rate of increase in health care spending has slowed to about 5.1 percent between 2012 and 2013 – which is … Continue reading

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Top 10 Health Services Commonly Excluded from Plans

The new Affordable Care Act law does not mean everything will change. Experts say many services that were excluded prior to the law remain unchanged. They examined over 3,000 health plans in 2014 to see which services were the most … Continue reading

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Can you Really Keep your Doctor with a Narrow Network?

One of the key selling points of the Affordable Care Act was the promise that “you can keep your doctor, period.” Not so fast. In fact, millions of Americans who have or will be signing up for medical coverage via … Continue reading

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Working with an Agent Instead of a Navigator has Multiple Benefits

Millions of people will be purchasing health insurance through marketplaces, which are part of the Affordable Care Act provision. In doing this, some consumers face problems with program access due to site failures on the Internet. One option most people … Continue reading

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Who’s Paying for it?

Who is going to pay the bills when they come due for insurance.    People that buy coverage through the and receive a subsidy will be allowed a 90 day grace period to pay premiums.    Typically, the insurance carrier will … Continue reading

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Employer Mandate Delayed

As some of you may be aware the Employer Mandate is being delayed from 2014 till 2015.    This does not effect the individual mandate.  Individuals that do not have insurance will still be required to buy insurance for a … Continue reading

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« The Worst Study Ever? Commentary Magazine

Great article.   Is equal distribution better or better outcomes? Take a read and find out some real information. « The Worst Study Ever? Commentary Magazine.

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Pay or Play

The IRS has issued long awaited regulations proving additional guidance for employers on the employer shared responsibility mandate (“Pay or Play”) of the Affordable Care Act (“ACA” or “Health Care Reform”). By way of background, the Pay or Play mandate … Continue reading

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Obamacare Tax

One of the many taxes this bill brings forth will be a tax on HMO plans of 3.5%. Starting on the February renewal cycle, there will be a 3.5% excise tax on carriers. Insurance carriers will bear the cost of … Continue reading

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