business man sitting at a cafe discussing his health options on his cell phone

I Missed Open Enrollment and Need Health Coverage — What Are My Options?

The next official ACA Open Enrollment period isn’t slated to begin until November 1, 2019. But depending on your circumstances, you may not have to wait that long to obtain coverage.

Qualifying Life Events and Special Enrollment Periods

Sometimes our circumstances change, and if they change due to specific events, you and your dependents may be able to secure health insurance through a Special Enrollment Period. When this occurs, it is called a Qualifying Life Event, otherwise referred to as a QLE.

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Group of young professions working at a white board calculating effects of group health insurance for their business

How To Find The Best Group Health Plan For Your Business

The Group Health Insurance industry continues to change with premiums continuing to rise. You have probably changed insurance carrier’s multiple times hoping to secure for the deal of the year.

So, the question is: Is that all there is? Change carriers and tweak my benefits?

What To Consider In Your Group Health Plan Decision

Not all Group Health Insurance plans are the same and one of the largest problems we come across in the industry is that so few companies are aware of all of their options. Most of the time, the reason behind this is because businesses are often dependent upon their insurance agent to present them with their group health options. In doing so, it is important for businesses to note and understand that like the differing group health plans on the market, not all agents are alike. Agents often differ greatly in regard to their level of experience and general knowledge pertaining to new and emerging trends in the industry.

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Final Market Stabilization Rule

Did you know that approximately 500,000 fewer Americans enrolled in a plan during the open enrollment in 2017 than in 2016? The Centers for Medicare & Medicaid Services has issued the final market stabilization rule. The goal is to increase choices, lower premiums and encourage stability in health insurance markets for 2018.

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Loss of Coverage

Special Enrollment Period

LOSS OF COVERAGE

DUE TO:
– Termination of group coverage
– Reduction of hours to part-time status
– Loss of employer contribution
– Cobra ending

You may qualify for a special enrollment period if you or anyone in your household lost qualified health coverage. You have 60 days from the date of your qualifying life event to enroll in coverage.

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patient fighting the flu with doctor injecting flu shot into arm

5 Tips for Fighting the Flu in the Workplace

 

 

Fighting the Flu can be a big disruption for business. Employees who are sick may need to take time off to recover and may not be as productive when it comes to getting work done. In addition, symptoms such as coughing, sneezing, and fever can spread germs to healthy employees.

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