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Your Insurance Advisor: Insurance Articles, Advice & News
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HHS Denies Waiver Request
February 2nd, 2012 by Your Insurance Advisor HHS Denies Texas’ MLR Waiver Request The U.S. Department of Health and Human Services (HHS) has denied a request by the Texas Department of Insurance (DOI) to adjust the medical loss ratio (MLR) standard in the individual market in relation to the Affordable Care Act. The Texas Insurance Commissioner had requested the waiver to give [...]
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Update 2-2-2012
February 1st, 2012 by Your Insurance Advisor As part of the Affordable Care Act, states had until Jan. 1, 2012, to strictly or similarly meet National Association of Insurance Commissions (NAIC) standards. Otherwise, health insurance issuers offering non-grandfathered plans and policies in the state would be required to choose a federally administered process or contract with an accredited independent review organization. The [...]
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Revisions to Pre-Existing Conditions for BCBSTX members
August 18th, 2010 by Your Insurance Advisor Pre-Existing Condition Exclusions Blue Cross and Blue Shield of Texas (BCBSTX) has revised the chart published last month defining how pre-existing condition waiting periods will be applied to insured and self-funded (ASO) business. Insured – BCBSTX will waive pre-existing condition exclusions for all enrollees up to age 19, and for all dependent children up to [...]
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Annuities: What is a Charitable Gift Annuity
June 17th, 2010 by Your Insurance Advisor A Charitable Gift Annuity is a type of Single Premium Immediate Annuity. Charitable Gift Annuities can be a great way to for the average person to help or contribute a significant amount of money to their favorite charity or church. With a Charitable Gift Annuity, a person can transfer cash, or marketable securities to a [...]
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Annuities: How Does A Single Premium Immediate Annuity Work?
June 3rd, 2010 by Your Insurance Advisor When you buy an annuity, you pay a certain amount of money called an insurance premium. This premium can be paid all at once in the beginning (called a single premium annuity), or it can be paid in installments (a flexible premium annuity). When an insurance company receives the premium from you, the premium is gathered and collected, or pooled, with the premium paid by all of the other people that buy annuities from the insurance company.
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Annuities: What is A Single Premium Immediate Annuity?
May 24th, 2010 by Your Insurance Advisor A Single Premium Immediate Annuity (SPIA), out of all of the annuities that we have talked about, is the one that is most insurance-like of all annuities. As we discussed before an annuity protects you from running out of income, or money, before you die. When you buy a single premium immediate annuity you are protecting yourself by assuring yourself a source of income for the rest of your life.
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Auto Accident Personal Injury Car Insurance Claims
May 24th, 2010 by Your Insurance Advisor Eight out of ten Americans will have an accident in the next seven years. Auto Accident Personal Injury Insurance Claim: How to Evaluate and Settle Your Loss delivers over three decades of personal injury, insurance claim experience in an easy-to-read book. Learn how to settle your “pain and suffering” for top dollar from an expert. [...]
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Annuities: Flexible or Single Premium Annuity
May 23rd, 2010 by Your Insurance Advisor Annuities create income security for consumers by providing guaranteed income for life, or for a predetermined period of time. This period of time is set at the time of purchase in the annuity contract between the purchaser and the insurance company. The money used to fund the annuity purchase is called the premium. When the [...]
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Annuities: What is An Income Annuity?
May 22nd, 2010 by Your Insurance Advisor Consumers purchase annuities to protect themselves from running out of income during their lifetime. When selecting an annuity care should be taken to decide at what point in time that income is desired. There are two possible choices for consumers to make: Immediate or Deferred.
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