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What are “carve-outs” in health insurance?

Carve-out plans take specific diseases or categories of services and place them under control of a third party managed care organization. Usually, the carve-out involves higher priced services that will require additional payments from employees and beneficiaries. Some carve-outs involve specialized fields like mental health and drug abuse. The second type of carve-out creates employee […]

What are cafeteria plans for health insurance?

Cafeteria plan — it’s a strange name that has nothing to do with food. It’s an employee benefits’ program designed to take advantage Section 125 of the Internal Revenue Code. While it may be the first time you’ve heard of this type of tax savings, the plans are not new. The very first cafeteria plans were […]

What does a healthcare navigator do?

Healthcare navigators have become very common in recent years. The passage of the Affordable Care Act, also known as Obamacare, has made the healthcare process more accessible and cheaper for many people. However, it is also hard to navigate for some people. This is why the term “healthcare navigators” is used. Healthcare navigators help people […]

What if your employer health insurance is too expensive?

Employees are given the freedom to opt out of health insurance provided through their jobs. The only exceptions to the 100 percent rule are if you have already agreed to be a part of the policy or the union you are a member of which makes it mandatory. The reasons you may want to research […]

Medical Insurance for Army Reservists

Tricare Reserve Select is a health insurance plan for members of the Army reserves and selected reserves. If you are a member of the selected reserve and not currently on active duty, you and your family are eligible for TRS. However, if you are currently enrolled in the Federal Employees Health Benefits Program or you […]

Can my girlfriend be covered on my health insurance?

In this current time, people are looking to take advantage of their health insurance anyway that they can. Often, this means that those with health insurance will seek to have significant others covered on their health insurance plans. However, whether or not that is allowed is a separate issue. Compare free health insurance quotes online […]

What is the minimum value standard for health insurance?

As stated under the Affordable Care Act, a health insurance plan must meet affordability and minimum value standards in order to qualify as adequate coverage. To meet this minimum value standard, your job-based health insurance plan must pay at least 60 percent of your total medical costs. Additionally, it must provide substantial coverage for any […]

What is group health insurance coverage?

If you are a small business owner that believes group health insurance coverage is designed to only compliment larger companies and corporations, you are not alone. When you explore what actual group health insurance coverage is, it becomes clear that it is meant for any-size business and number of employees. All it takes to find […]

What is your group number for health insurance?

An employer may insure a group of people working in the company under one health insurance plan. Each of the employees gets a medical insurance card from the insurance company, which has a group number. Therefore, a group number is the number assigned to an employer that purchases health insurance plans from one provider. The […]

When is an employer required to offer health insurance?

The Affordable Care Act (ACA) went into effect in 2014 after surviving a challenge in the Supreme Court of the United States. The most widely known aspect of the law is its requirement that all U.S. Citizens living in the United States, as well as many noncitizen residents, carry health insurance, certify an exemption, or […]

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