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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 […]

If an employer pays your health insurance is it taxable?

If your employer pays for your health insurance under a group insurance plan, you will often see the amount listed on your pay stub, but the payments are not taxable income. Other methods of employee health insurance coverage can be subject to income tax. The rules are complex, and the Internal Revenue Service offers extensive […]

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 third party administrator in health insurance?

The health insurance field can be difficult to navigate, and this is particularly true for many companies around the country. It is important to offer health benefits to employees in order to attract the best talent, but it can also be extremely cumbersome to manage all of policies and regulations that go with it. These […]

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 […]

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 […]

What is a self-funded health insurance plan?

A group health plan can be either self-funded or fully funded. A self-funded plan requires the employer to assume all the financial risks in regards to providing health insurance to its employees. The biggest difference between a self-funded and fully-funded health insurance policy is the way claims are paid. In a self-funded health insurance plan, employers […]

What is an HRA account and how does it work?

An HRA is an employer-funded account that sends funds to employees to reimburse them for health and medical expenses. The HRA can go with employer-sponsored health insurance, and it is particularly well adapted to work with High Deductible Health Plans. The new Small Business HRA can stand by itself as an employer-funded health benefit from […]

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 […]

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