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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 […]

Will medical insurance pay for a tummy tuck?

Most medical insurance companies will not help to pay for a tummy tuck because it is cosmetic surgery and not considered medically necessary. Most plastic surgeons will allow you to pay for a tummy tuck out-of-pocket. The cost of this procedure can vary greatly. A tummy tuck procedure costs an average of $5,798. Some surgeons […]

What does permanent health insurance mean?

Permanent health insurance is a popular option for medical coverage and income protection in some parts of the world. Permanent health insurance or PHI is widely used in the UK, Australia, and New Zealand among other countries. Many employers offer permanent health coverage to protect business and the employee in the event of illness or […]

How often do you have to pay health insurance?

The individual mandate requires that every eligible person gets and keeps qualified health insurance coverage. The insurance contract is an agreement with a stated premium payment. Health insurance contracts revolve around payments. The initial payment of premiums is the contractual trigger for beginning coverage. The first payment has legal significance in terms of the insurance […]

What is an “out-of-pocket maximum” in health insurance?

The Affordable Care Act was an attempt to reform the health insurance industry to lower national health costs and favor the rights of consumers. The primary protections included limits on deductibles and out-of-pocket expenses. One of the fundamental goals of Obamacare was to protect consumers against burdensome health care costs. The rising costs of medical […]

What is “stop-loss” in health insurance?

Stop-loss coverage is a much needed financial protection for any company that decides to self-insure employees for medical benefits. It is different from a health insurance policy in that the insurer does not pay for any medical services, but simply reimburses the company for any amounts over the liability amount. Enter your zip code above […]

What is a Cadillac medical plan?

Some health plans provide unusually thorough and complete coverage. They often have no deductibles, charge few if any copays, and ask little or no coinsurance. The benefits are extensive and coverage for nearly every condition or illness. These so-called high-end, or Cadillac plans, reward policyholders with benefits equivalent to $thousands in additional income. As untaxed […]

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 […]

What does “copay” mean in health insurance?

Having health insurance is certainly advantageous to both your physical and financial well being, but it does come at a cost. Your obligation is likely not over once you have paid the premium, Here is what you need to know about copays in a nutshell. Click here to find great policies from top health insurance […]

Why is my health insurance so high?

Given the very name granted to the Affordable Care Act, many people across the country assumed that their average health insurance premiums would effective decrease in short order. While that has happened for many, there are quite a few individuals who have grown increasingly confused and frustrated by rising health insurance related costs. If you […]

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