affordable health insurance: Aetna withdraws California rate increase filing
- 06/28/10 08:53 AM
Aetna, a national provider of health insurance plans withdrew its request to raise prices for individual policyholders in California by an average of 19% after discovering a flaw in its rate filing with state regulators, according to the California Department of Insurance. The errors include incorrectly calculating the annual cost of monthly premiums and incorrectly compounding the increases year over year, a spokesman for the department said. The increase, filed in March and scheduled to go into effect July 1, would have hit 65,000 policyholders. The request followed a 17% average increase last year. The move draws renewed attention to … (0 comments)
affordable health insurance: Do you know why your Association sponsored Health Plan is so expensive?
- 06/19/10 06:33 AM
Why is my association health insurance plan so expensive? You may have already received a sizable premium increase notice and you are confused about what options are available to you. A frequent question that I receive is "Why is my Association Health Plan so Expensive?" Whether you work with a local or national association, trade union or other affiliated professional organization, you need to understand the facts about the insurance policy offered to you. Many (most) plans offered to association members are not true group plans, but rather supplemental coverages, sponsored or endorsed products that may or may not offer a … (1 comments)
affordable health insurance: Delta Dental Premier Now Available for Independent Contractors, Agents & Brokers
- 06/17/10 05:27 AM
Delta Dental remains the most requested Dental plan, however most individuals are limited to participating in the Delta DMO plan (specific dentists). In order to see your own dentist, you will need to have a Delta PPO or Delta Premier program. These plans are usually only available to groups (10 or more W-2 employees).Until now, most self employed individuals and independent contractors (1099), especially REALTORS, were limited to participating in their association sponsored insurance carriers plan, or had to purchase individual coverage.Recently we have learned about a new program called Dental For Everyone . This plan is available to self … (0 comments)
affordable health insurance: Group Health Insurance Shopping Tip's
- 09/13/08 07:03 PM
As the fall season approaches, many large and small companies will begin to start shopping for their 2009's employee benefit programs. Typically employers should plan on shopping insurance 60-75 days before the desired effective date.High deductible health plans and Health Savings accounts will continue to be popular. These plans make workers responsible for costs up to a certain amount but then covers most expenses over that. Workers have a greater risk of paying out-of-pocket expenses, but premiums are lower - so their paychecks are higher. Wellness programs encourage them to take care of themselves, ultimately cutting costs for themselves, their employer … (0 comments)
affordable health insurance: Affordable Healthcare for California Children $4 - $15 per month
- 07/31/08 11:30 AM
The California Healthy Families program provides comprehensive, low cost health insurance, dental and vision coverage to children under age 19.To qualify for the program, the child(ren) must:** Live in California** Are US citizens or qualified immigrants** Are not enrolled in nor eligible for no-cost Medi-Cal** Were not covered in the past 3 months in employer-sponsored insurance** Meet certain family income guidelines (very liberal) Medi-cal is for the poorMonthly premiums depend on the familiy size and health plan selected. Monthly premiums will range from $4 to $15 per child, but will not exceed $45 per family. There are No Deductibles.Co-payments are low: … (0 comments)
affordable health insurance: Anthem Blue Cross of California announces 12 month health insurance rates
- 07/22/08 02:59 PM
If you own private health insurance, there is a good possibility that you could see three rate increases in 12 months. The first increase can be at 6 month's, another on your birthday and a third on the 12 month anniversary.Anthem Blue Cross of California has recently modified their renewal process that could effectively save you money annually. Members now enjoy 12-month Anniversary Date rate guarantees. Anthem Blue Cross is pleased to announce that we're introducing Anniversary Rating for California Individual clients in the following products: SmartSense, Tonik and Lumenos®. With the Anniversary Rating methodology/model, premium and age adjustments happen at … (1 comments)
affordable health insurance: Tip for buying Delta Dental Premier Plans - "Piggyback" this association
- 06/04/08 03:53 PM
Most self employed individuals and seniors seeking Delta Dental Insurance are limited to buying individual plans that are DMO's - Dental Maintainance Organization plans. Like medical HMO's, DMO's often have limited dental network and it is highly unlikely your dentist will be on that list. If your dentist accepts Delta Dental Insurance coverage, he/she is most likely referring to Delta Premier, which is offered to employer groups.There is an answer to this problem and it is a little known secret called "Dental for Everyone" offered by Quotebroker. Here, individuals, association members and seniors may "coat tail" a larger association group plan offering … (0 comments)
affordable health insurance: Get your Health Insurance application approved. Tip "It's like applying for a mortgage"
- 05/21/08 02:55 PM
It's time. You have weeded through various Health Insurance proposals and you have finally selected a plan. Now you must complete an insurance company application.The first step to apply for coverage is to decide whether or not you want to submit a paper or electronic application. There are pro's and con's to each. If you are healthy, I would recommend the e-version. These applications are usually computer scored and if you have no health history, these applications can be approved within hours to a day or two. If you have a more lengthy health history, I would recommend the old fashion … (2 comments)
affordable health insurance: Why is my Association Health Plan so Expensive?
- 04/23/08 10:03 AM
You may have already received a sizeable premium increase notice and you are confused about what options are available to you.A frequent question that we receive is "Why is my Association Health Plan so Expensive?"Whether you work with a local or national association, trade union or other affiliated professional organization, you need to understand the facts about the insurance policy offered to you. Many (most) plans offered to association members are not true group plans, but rather supplemental coverages, sponsored or endorsed products that may or may not offer a discount.Insurance companies require "true group" cases to have a minimum participation … (0 comments)
affordable health insurance: REALTORS Without Health Insurance
- 03/11/08 12:37 PM
In 2007 the National Association of Realtors (NAR) testified before the Senate Finance Committee that about 30% of NAR members lack health insurance. 84% of Realtors without health insurance sited that they do not have coverage because the can't afford it.Using data from the U.S. Census Bureau, approximately one-third or approximately 47 million Americans went without any coverage during the entire year of 2006. Additionally, almost 90 million people went without any health insurance coverage at one point between 2007-2007.The middle class had the most serious impact, as families accounted for the majority of American's without coverage. Woman are also less … (1 comments)
affordable health insurance: "Why is my Association Health Insurance so expensive?
- 02/12/08 03:24 PM
A frequent question that I receive is "Why is my Association Group Plan so expensive?"Whether you work for a local or national association, trade union or other affiliated professional organization, you need to read your insurance policy carefully. Many plans are not true group plans, but rather supplemental coverages or endorsed products that may or may not offer a discount.Insurance companies require "true group" cases to have a minimum participation percentage. Although it varies by company, most plans require at least 70% of their eligible employees to be included in the companies health plan. Ineligible employees may be part time, seasonal, … (0 comments)
affordable health insurance: Shopping for Insurance Online
- 11/22/07 03:33 PM
Today more people are shopping online. Clothes, electronics and other consumer goods. But what about insurance? You bet. The number of online insurance shopping websites increase each month. Some sites are merely bait sites. These sites take your information and sell them to one or more insurance agents. Insurance agents purchase this information from these companies for $10 - $30 each. It's a numbers game for the salesman and a guaranteed revenue source for the online lead brokerage. Before you know it - multiple agents are calling you and requesting appointments to sit in your living room or across your kitchen … (0 comments)
The Insurance Insider helps you locate affordable insurance by understanding what you are buying without any sales jibber.
We share tips and tricks that your agent may not even know. Shop, compare prices and benefit features, or apply online directly with an insurance company without ever meeting an agent again.
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