Monthly Archives: June 2015

Georgia Individual Health Insurance options in 2015 On and Off Exchange

​Georgia Individual Health Insurance options in 2015 On and Off Exchange Written by Bobby Huffaker Competition Available On and Off the Exchange in Georgia for 2015 plan year There are two different markets in the Georgia health insurance marketplace that we refer to in order to easily differentiate: On Exchange and Off Exchange. On Exchange […]

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Changes to Reporting Requirements of Employer Sponsored Group Health Plans

​Written by: Andrew Hetzler The PPACA puts additional requirements on employer sponsored group health insurance plans by requiring the employer to disclose the cost of coverage for each participating employee or family. The purpose of the mandate is not to place additional burden on plan administrators (even though it may seem that way), but to […]

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Partnering with Agents and Brokers for Enrollment Assistance

​Partnering with Agents and Brokers for Enrollment Assistance The common goal for the PPACA, aka Obamacare, is to provide easy consumer access to affordable health insurance. A designated part of the law generated new positions for individuals called Navigators and Certified Application Counselors (CAC’s) to help consumers navigate the complexities of the health insurance marketplace. […]

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Reduce Your COBRA Cost with One Simple Step

If your company is required to offer employees COBRA continuation of your group sponsored health benefits, you may be able to reduce losses by adding one simple step to your employee termination process. COBRA beneficiaries have caused problems with fully insured and self funded groups ever since the law was signed into effect 1985. In […]

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Tennessee Individual Health Insurance options in 2015 On and Off Exchange

​Tennessee Individual Health Insurance options in 2015 On and Off Exchange Written by Bobby Huffaker There are two different markets in the health insurance marketplace that we refer to in order to easily differentiate: On Exchange and Off Exchange. On Exchange is for individuals that qualify for advanced premium tax credits or subsidies (tax credits […]

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Happy 65th Birthday, Here’s Your Medicare?

Written By: Rachel Cullor Date: June 9, 2015 Medicare. Love it or hate it, at age 65, it becomes your only option for insurance unless you are on a plan through an employer. There are 4 parts to Medicare: Part A, Part B, Part C, and Part D. Each Part covers different benefits. Part A: […]

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Understanding Your Plan’s Network

Written By: Rachel Cullor Date: June 10, 2015 One of the most essential things to understand about your marketplace health insurance plan is which network your policy is assigned to. A network is comprised of physicians, office, hospitals, labs, and pharmacies that have contracted with your health insurance carrier to accept the plan and offer […]

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Employer Mandate Penalties 101

In light of the Supreme Court’s ruling on King v. Burwell, allowing Federal subsidies to continue for millions, American employers really need to quit playing the wait and see approach with the Affordable Care Act. It’s here to stay, and employees are going to start asking questions of their employers that they should be prepared to […]

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The Pains of Small Group Health Insurance post Affordable Care Act

For a small employer, offering health insurance to employees can cause problems and put undue stress on employees and on the company itself. What once was seen as an employee benefit used to attract and retain talented employees has become the source of detrimental employee morale and an expense that is increasing at rates that […]

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King v Burwell and the Shakedown

The case of King v Burwell will be decided later this month. Either decision, for or against a federally facilitated subsidy, will affect the long term landscape of Affordable Care Act. So far, the PPACA has been a success. If someone wants to argue the success of the law, they are going to be facing […]

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