Posts Tagged “Health care”
What keeps employees from work the most? Illness or Injury?
By Jorge Hiram Garcia, Your Insurance Advisor | May 16, 2012
A recent survey by the Consumer Federation of America found that the a majority of employees wished their employer offered disability insurance coverage. According to the survey, illnesses are the cause of the majority of disabilities that affect a person’s ability to work, not injuries as most supposed. In fact, fifteen percent of long term [...]
Supreme Court Mulls Affordable Care Act
By Jorge Hiram Garcia, Your Insurance Advisor | April 4, 2012
Here are some consumer benefits that would disappear if the whole law were to be ruled unconstitutional: Increased coverage of preventive services Many health insurance plans are now subject to new rules that require them to cover recommended preventive services without charging a co-payment. As a result, consumers pay nothing for services like routine screenings, [...]
What’s Coming Up for the Affordable Care Act (ACA)
By Jorge Hiram Garcia, Your Insurance Advisor | March 29, 2012
Two of the most pressing ACA changes on the horizon for the marketplace are the implementation of the Summary of Benefits and Coverage and preparation for participating on the public exchanges. Upcoming changes to the Affordable Care Act that are looming include: Summary of Benefits and Coverage Beginning Sept. 23, 2012, all insurers and group [...]
Looking Back at The Affordable Care Act
By Jorge Hiram Garcia, Your Insurance Advisor | March 29, 2012
The Affordable Care Act, also known as ACA, has made an impact on healthcare for many consumers. This week the Supreme Court will hear arguments on challenges to the Affordable Care Act (ACA). Several of ACA’s provisions are already making an impact on the business of health care and individual consumers. Some of the provisions [...]
Government Healthcare Update: Final Rules March 16 2012
By Jorge Hiram Garcia, Your Insurance Advisor | March 21, 2012
Health & Human Services Releases Medicaid Expansion Final Rule On Friday, March 16, the U.S. Department of Health & Human Services (HHS) released the final rule on the expansion of the Medicaid program under the Affordable Care Act. Beginning in 2014, Medicaid coverage will extend to individuals between ages 19-64 with incomes up to 133 [...]
Generation X and the Long Term Care Insurance Conversation
By Jorge Hiram Garcia, Your Insurance Advisor | March 1, 2012
Generation X & the long term care insurance conversation is not hard to imagine once you start taking a closer look at several interesting Gen X facts & LTC: Selling is a challenging task for anyone selling any product that involves time horizons longer than the 15-second attention span of a typical daytrader. If you’re [...]
Insurers Join Forces To Help Consumers – Major Medical Health Insurance
By Jorge Hiram Garcia, Your Insurance Advisor | February 14, 2012
Individual major medical policyholders soon will have access to one of the nation’s largest networks, bringing cost savings in many markets! Assurant Health has established a relationship with Aetna® allowing Assurant Health individual major medical policyholders access to the Aetna Signature Administrators® national PPO network starting in March. Aetna Signature Administrators national PPO network is [...]
Congressional Update: Afordable Care Act Final Regulations Update 2-10-2012
By Jorge Hiram Garcia, Your Insurance Advisor | February 10, 2012
The Affordable Care Act: Final Regulations Issued for Summary of Benefits and Coverage Yesterday, the Departments of Health and Human Services, Labor and Treasury released the final rule and related documents for the uniform Summary of Benefits and Coverage (SBC) provision of the Affordable Care Act. This provision requires all insurers and group health plans [...]
Congressional Update: House Repeals CLASS
By Jorge Hiram Garcia, Your Insurance Advisor | February 9, 2012
Recent news from Congress: House votes to repeal CLASS Act The House voted last week to repeal the Community Living Assistance Service and Supports (CLASS) Act, a part of the Affordable Care Act. Republicans have been working to repeal the health reform law since December, a few months after the U.S. Department of Health & [...]
Congressional Update: Summary of Benefits and Coverage Compliance On Hold
By Jorge Hiram Garcia, Your Insurance Advisor | February 8, 2012
In recent news from Congress: The Affordable Care Act requires all insurers and group health plans to provide consumers with a Summary of Benefits and Coverage (SBC) at certain times, including upon request for information, at the time of application, at enrollment and annually upon re-enrollment. As the March 2012 implementation date for this provision [...]
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