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I have been a health insurance broker for more than 17 years now and every day I read more and more "horror" stories that are posted on the Internet regarding health insurance companies not paying claims, refusing to cover specific illnesses and phys...
Photo Credited: http://sfreporter.com/ Healthcare reform is moving at full throttle to be ready for January 1st, 2014. Some people did not even know that healthcare reform was signed into law by the current Administration. Most people are stil...
The tax credit is available from 2010 through 2015. For 2010 – 2013 the maximum credit is 35% of qualified premium costs paid by for-profit companies, and 25% for non-profits. The maximum credit is only available to employers with no more than 10 ful...
Beginning in 2014, many employees who are not offered health insurance through their employer and who are not eligible for Medicaid may be eligible for “Advanced Premium Tax Credits” for coverage through a PPACA “Health Insurance Exchange”. The PPA...
Beginning January 1, 2014 the PPACA (a.k.a. ‘Obamacare’) legislation levies a brand new tax – the “Roberts Tax”. A tax aptly named after U.S. Supreme Court Chief Justice John Roberts who created this new tax all by himself. It is neither an excise ta...
In today's fast paced world, business owners don't often have the time to thoroughly check out the companies they rely on to provide goods and services. In many cases, a determination of product/service quality can be made at the time goods are deliv...
If you want to see just how expensive government approved health insurance will be in the new health insurance exchanges. Just click on the Kaiser Family Institute’s Exchange Calculator here . Then, enter an income of $50,000 for a family of fou...
Why Are Health Insurance Premiums Still Increasing After The PPACA? There are 5 primary reasons why health insurance premiums have already increased and will continue to increase since the passage of the PPACA. And, why insurers like Aetna a...
Small Group Health Insurance can be a Small Business KILLER I received a phone call at my agency on Friday by a client who is a friend of an attorney in Chicago who is paying $1,000 a month for individual employees on his group health insurance p...
How Long Can I Keep My Child On My Health Insurance Plan? Long before the “ Patient Protection and Affordable Care Act ” (a.k.a. “Obamacare”) was signed in to law on March 23rd, 2010. There were Federal & State laws that were already in forc...
Some key local business owners attended this Lunch Seminar on healthcare reform. Many business owners are a little nervous about what is on the horizon. Rightly so! This is why we are doing Lunch Seminars to provide these local business owners wit...
Photo Credits: http://ribbu.com/ It has been a crazy winter in the Chicago area. Mother Nature has brought us a very little snow in December or January. February brought about 25 inches, and now it is March and we are getting hit with the ...
Credits: http://creativewealthintl.org/ You often hear the term “Pay yourself first”. That means you want to be sure you take care of you before you take care of your bills and other financial obligations. Unfortunately in the real world it...
The Affordable Care Act and its implementation have left many wondering what to do for this year as there is an unknown about 2014. By unknown I mean we hear costs will go up 50-100% once the exchanges open and all of the essential benefits are inco...
Photo Credits: blogs.squaremouth.com/ There have been some changes recently with the application process for a Celtic Insurance health policy. Once the policy is approved, there is a change in effective date; when the policy starts. In one p...
It is full speed ahead with questions about how healthcare reform will pan out come later this year, 2013. Open enrollment starts October first. What does that mean for you? It means a lot of confusion and unanswered questions. This is where your...
Healthcare Reform will have an impact on your bottom line, but how? Come find out how the healthcare bill is going to affect you and your business in 2014. We will also be sharing information about what the healthcare bill missed the boat on ...
Penalties for Employers Not Offering Affordable Coverage Under the Affordable Care Act starting in 2014 Penalties will be important for business owners to make the right decision. This is especially true for employers that have at least 50 f...
The requirement to buy coverage in 2014 is a little confusing these days. Thanks to the help of the Kaiser Foundation, they came up with a flow chart to make it a little easier. This is important going into the new law. We decided to post the PDF ...
In the Medical Loss Ratio part of the Healthcare Reform Law of twenty-ten, the health insurance agent's commissions were cut in half, or more in some cases. With a financial disincentive, health insurance agents are reluctant to services their busin...
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