Health Insurance 101

Article Source: http://virtuale-ssistance.com/2014/10/18/health-insurance-101/ It’s that time again…open enrollment. Americans are shopping for health insurance plans in droves, and taking to the Marketplace to find a plan that fits their family’s evolving health needs. It can be a frustrating process, much like shopping in a real marketplac...

Video: What To Look For During The 2015 ACA Open Enrollment

Video: What To Look For During The 2015 ACA Open Enrollment

Use a Broker During The 2015 Open Enrollment

The “second annual” open enrollment for the Affordable Care Act (aka Obamacare) begins on November 15th.  You should really consider using an Insurance Broker for this process.  It does not cost any more to use a broker!  While the Government provides a “Navigator” to assist you with the enrollment process, and also will not cost you additional money, many l...

Filling The “Gaps” In Your Insurance Plan

As you see in the “new world” of health insurance, deductibles are higher than they used to be. When the Affordable Care Act when into effect in 2014, we also saw higher out of pocket maximums, which is really the most important part of the health plan. It is now not uncommon to see a family out of pocket maximum above $12,000 per year. To offset these high...

What To Look For During Open Enrollment

The 2015 Affordable Care Act ( aka Obamacare) open enrollment begins on November 15, 2014. There is a lot of information. Here is some information on what you need to know. First you will see metal tiers of plans, Bronze, Silver, Gold, and Platinum. These are based on what is called “Actuarial Value” or AV.  Basically it is how much the plan will cost you i...

How to Cross “Organize My Medical Information” Off Your List!

Original post here. October is National Organize Your Medical Information Month.  “Organize Medical Papers” is an often neglected task.  And if our health becomes an unexpected roller-coaster ride, we find ourselves struggling with our info AND a medical setback. October is the right time to organize your medical info since employers offer their insura...

Public or Private Exchange for Small Employers?

Employers have tough decisions with health care reform. What they decide to do will impact their employees in a negative or positive way. Some employers are seeing high double-digit increases with traditional group sponsored coverage. The key for them is to find a way to stop some of the bleeding. Buzz words keep going around about these he...

Preparing For The Open Enrollment

Open enrollment can be nerve-racking, to say the least. You may want to throw your computer against the wall from all the questions on the Health Insurance Marketplace. All of that sweat and tears, just to see if you qualify for a tax credit to reduce your premiums. There is information you need first to help with the process. Without it, preparing could cos...