Negotiations are always tricky, aren’t they? We are hearing so much in the news these days about “making deals” and having difficulty doing so. So why should health care be any different? Our office received this notice recently. “Anthem Blue… Continue Reading
The Medical Loss Ratio (MLR) provision of the Affordable Care Act (ACA also known as Obamacare) is an important feature of the legislation. This provision requires that insurers pay out at least 80-85% of premium dollars in direct claim costs… Continue Reading
The country is waiting with bated breath to see what three giants of industry are planning for health care. Warren Buffett said that health care costs have become a bigger issue for American businesses than taxes. “If you go back… Continue Reading
I was working on the Coast this last week and grabbed some soup for dinner at the bar at Mazzotti’s Italian on the Arcata Square. You know you’re old when an attempt to chat with the young person next to… Continue Reading
Medicare provides health benefits for individuals age 65 or over and qualifying disabled persons. Once an individual is enrolled in Medicare they will get a red, white and blue Medicare card in the mail. Typically it arrives 3 months prior… Continue Reading
The Physician-Focused Payment Model Technical Advisory Committee is recommending to the Department of Health and Human Services (HHS) creation of a palliative (comfort) care model for Medicare recipients who are in advanced states of illness, but not yet ready for… Continue Reading
One of the big news items at the end of the year referred to an Executive Order signed by the President that he purported would solve the insurance problems by allowing insurers to offer “lower cost insurance plans” and sell… Continue Reading
Open enrollment for 2018 Medicare Part D Rx plans ended December 22, 2017. During this process, seniors evaluated Prescription Drug Plans (PDP) and choose their plans. In these plans there are 4 tiers of coverage: 1) Deductible (no greater than… Continue Reading
The ACA (Affordable Care Act) also known as Obamacare is still the law. One of the most important provisions is what is known as the “mandate” requiring all individuals to have health insurance coverage. The IRS recently released a statement… Continue Reading
One could never say that the world of employee benefits and insurance is dull. Not only must brokers be informed about the different products and insurance company underwriting rules, it’s critical that we stay on top of all the regulators… Continue Reading
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