Cheap Medical Insurance – Is Cheap the same as Affordable?
Medical insurance is one of the most sought after benefits that companies can offer employees these days, and often times, medical insurance can run higher numbers than what the companies …
How to Calculate Full Time Equivalents – Employer Mandate Equation
How to Calculate Full Time Equivalents – Employer Mandate Equation For all of those large applicable employers that need a quick post regarding how to calculate your amount of full …
What is a Health Insurance Premium?
What is a Health Insurance Premium? Health Insurance premiums are similar to subscriptions fees; health insurance premiums are certain amounts of money the insurance member (or employee, or guardian) pays …
Individual Mandate Penalties
Individual Mandate Penalties There has been continued talk about the individual mandate in my day to day business, so I will make a post specifically regarding the penalties so all …
Are There Really Out-Of-Pocket Maximums?
Are there really out of pocket Maximums? We often hear the phrase, “Read the Fine Print”, and the only reason why that phrase is still being propagated is because of …
Inpatient vs Outpatient Services
Often times we hear on the radio that a new outpatient surgery will be able to get us home and back to work within a day, and as exciting as …
What are Health Care Networks
When you are shopping through health insurance polices, you will likely come across the types of networks the policies provide. Many individuals don’t know what the networks actually are, what …
Finding a Primary Care Physician
Are you moving your health insurance to a different carrier and don’t have access to your normal primary care physician? Are you moving out of town and need to find …
Balanced Billing and how to Avoid it
Balanced billing seems to be today’s version of a personal finance nightmare. If you have heard the horror stories and would like to avoid them, this is the reading for …
Understanding the Individual Mandate
We have all heard about it, but what is it exactly, and how can it affect you? Being a broker that deals with group insurance, I thought I would never …