Category Archives: Uncategorized

BlueCross BlueShield of Tennessee to Expand Obamacare Coverage!

BlueCross BlueShield of Tennessee is expanding their coverage area for 2020, offering individual Marketplace plans in Memphis and Nashville for the first time in a couple of years. Other TN carriers such as Cigna, Oscar, and Ambetter are also expanding which proves that the individual market has stabilized. In fact, most carriers will be cutting […]

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HRAs: What’s Changing and How Employers Can Help Their Employees Buy Individual Health Coverage

Health Reimbursement Accounts have specifically been utilized up until now by employers as a way to help employees offset deductibles, coinsurance, and sometimes, the copays they incur when using their group health plan. Employers were barred from offering HRAs to employees that bought coverage on the individual market. As you probably know, the cost of […]

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Is Amazon disrupting large health companies by going directly to the insurers?

Pharmacy Benefit Managers, PBMs, are firms that negotiate prices between drug manufacturers and insurance companies. Amazon is looking into bypassing this step by negotiating with the insurance company themselves and potentially lowering costs for their customers. This makes their pricing lower than CVS and other large retail pharmacies that still use the PBMs. “Most recently, […]

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Change Is Coming In 2020!

Obamacare is expanding in a good way. Employers will now have more options to provide employees with more customized benefits. Traditionally, Health Reimbursement Accounts, commonly known as HRAs, involve employees being reimbursed by the employer as a way for the employer to pay for certain medical expenses. However, because of Obamacare expansion, starting January 1, […]

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New Medicare App

The Centers for Medicare and Medicaid Services (CMS) know that navigating Medicare coverage can be frustrating. A lot of beneficiaries need to call someone to find out if a suggested procedure or treatment is covered prior to having it performed. CMS has put a focus on getting a tool into the hands of Medicare beneficiaries […]

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Obamacare Rate Hikes Appear Modest For 2020

Expect modest to no rate increases for the 2020 plan year on the individual market as well as increased competition! Politico recently stated: “The era of annual eye-popping Obamacare rate hikes appears to be over. Premium increases in the law’s marketplaces are on track to be relatively modest for the second straight year, according to […]

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Could High Premiums Mean Possible Rebates?

High premiums in 2018 could mean rebates for consumers from some carriers as required by law. A recent Star Tribune article says:“When carriers set premiums in the individual market that are too high, the Affordable Care Act (ACA) requires them to pay rebates that effectively cap the amount of money that health plans can keep […]

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Preventive Services Covered by Medicare

As a Medicare beneficiary, you are entitled to these services at no cost: Abdominal aortic aneurysm screening Abdominal aortic aneurysm screening Alcohol misuse screenings & counseling Bone mass measurements (bone density) Cardiovascular disease screenings Cardiovascular disease (behavioral therapy) Cervical & vaginal cancer screening Colorectal cancer screenings Multi-target stool DNA tests Screening barium enemas Screening colonoscopies […]

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Medicare Star Rating System

Transitioning to Medicare once you are eligible can be a daunting task. There are a lot of differences between how Medicare works compared to traditional insurance that you may have had in the past. There are usually a lot more Medicare Advantage (MA) plans, Medicare Prescription Drug (PDP) plans, and/or Medicare Cost plans to consider […]

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Ambetter My Health Pays Rewards Program

  Did you know that Ambetter will pay you for being proactive with your health? As an Ambetter member, you can earn money by doing simple, easy things that contribute to and promote a healthy lifestyle.Then, that money can be used to lower your monthly premium payment, make doctor copays, or use towards deductibles and […]

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