The majority of small employer groups who renewed in the last quarter of 2014 postponed their renewal and took an “early renewal” option from their insurance carrier. Small group in 2014 was defined as groups with less than 50 employees.… Continue Reading
One of the biggest surprises retirees experience is the cost of health care. I caution all of our clients to be very careful with that segment of the budget. It can make or break their retirement plans. The ACA (Affordable… Continue Reading
Small employers who are paying for individual policies for their employees on a pre-tax basis have until June 30th to make changes. If they do not, they may face stiff penalties. Some small employers have found that group insurance costs… Continue Reading
This is my 100th column for the Record Searchlight (which also appears here on A News Cafe.com) so it seems like a good time to reflect on the last couple of years. As I said in my introductory column, I… Continue Reading
Our health care and health insurance systems in this country are so complex, with so many moving parts, it’s clear there is no one solution to controlling expenses. Since insurance companies are basically a “pass through” entity they are only… Continue Reading
The Affordable Care Act (ACA-aka Obamacare) is a far reaching piece of legislation that has affected both the health care delivery system and the health care financing system. These are two very distinct partitions in what we call “health care”… Continue Reading
Last week I introduced the concept of Disability Insurance and provided a primer on what to look for in basic coverage. The following graphic from the Council of Disabilty Awareness is rather telling about the risk of Disability. Most folks… Continue Reading
One of the best things about my work is that I get to meet really interesting people and I occasionally get to have some fun. Early in my career, I was trying all kinds of ways to meet people to… Continue Reading
An article in the December issue of the Cleveland Clinic Journal of Medicine discusses headache treatment. It states that “in the absence of red flag warning signals central nervous system imaging is unwarranted and can be harmful”. It goes further… Continue Reading
This is the last week to buy individual insurance under the “Informed of tax penalty” category. This category was established in response to those who claim they did not know they would be charged a penalty until they prepared their… Continue Reading
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