Archive for the ‘Family Plans’ Category

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Top 5 Lessons Learned for Covered California’s Second Enrollment

Top 5 Lessons Learned for Covered CA’s 2nd Enrollment

We are on the eve of Covered CA’s 2nd open enrollment period, consumers be ready. Here is a list of the top 5 lessons learned from the first open enrollment period that will help those that need to buy health insurance during the 2nd open enrollment:covered-ca-head-banging-guy

No. 1) Use an agent. You will need one.

I realize that sounds like a shameless plug, but the facts from Covered CA’s first enrollment strongly back up the value of certified agents, so much so that Covered CA is redoing its marketing plan to notify consumers of agents available in their area, via storefront, internet or telephone.

Adult Children and HSA’s

Health Care Reform requires health plans to cover adult children to age 26. For plan years effective after 9/23/10, plans that cover dependent children must also provide coverage for adult children through age 26. However, this new rule does not allow out of pocket expenses for these adult children to be reimbursed out of HSAs. Check out more blogs about HSA’s.

This brings up a number of questions for HSAs. These talking points should help you when discussing the impact to HSAs on your family. Review the rules for determining dependent status.

Tax Dependent v. Non-Tax Dependent Child

Getting Your Adult Children Off Your Health Care Plan

One of the first changes of health care reform (The Patient Protection and Affordable Care Act) effects people under the age of 26. Previously, once a person turned 19 and was no longer a full time student, he could not be covered under his parents’ health care plan. What this meant is that people in their 20’s often went uninsured. Click here to learn who is a dependent for health insurance purposes. However, effective September 23, 2010 a person can remain on their parents’ health insurance plan until the age of 26. That is certainly better than being uninsured, but it is the most affordable option for parents? Probably not. Compare health insurance rates now. Here is the case for getting young adults their own health insurance plan:

HELP!! MY COBRA SUBSIDY IS SET TO EXPIRE!!!

Right now, many individuals are at a crossroad when it comes to their health insurance.  During this exasperating recession, people found themselves laid off from their jobs suddenly, and, in a scramble, elected to stay on their former employer’s health insurance plan through COBRA instead of finding alternatives to COBRA health insurance.

Employee, Freelance worker, Independent Contractor….What am I and why do I care?

Work has never been so complicated.  Do you WORK at a Company, or DO work for a Company?  While this might seem like nothing but semantics, the difference in your employment status is real and relevant in almost every way, for both you and the Companies you conduct business with.  Your classification as an employee, or a freelance worker, also known as independent contractor, determines your payment of taxes, the type of taxes you pay, you eligibility for health insurance and other benefits, and, in many cases, your very wages.

Children’s Health: Exercise

 

Health and wellness tips for your work, home, and life—brought to you by the insurance and healthcare specialists at eIndividualHealth

Children’s Health: Exercise

Most experts agree that the childhood obesity crisis has been caused as much by children’s lack of physical activity as it has by their poor diets.

The benefits of regular exercise include: increased lean muscle and bone strength, decreased body fat, a healthy weight, and improved psychological well-being. Furthermore, as children grow into adulthood, exercise helps prevent chronic diseases such as heart disease, diabetes, and high blood pressure. Compared to previous generations, many children have become sedentary because of increased use of electronic media, less physical education at school, declining after-school activities, and less walking or riding a bike to activities.

Guide To Individual Health Insurance

What is individual health insurance?
Individual health insurance is coverage that a person buys independently. It can be sold to a single individual, to a parent and dependent children, or to a family. The majority of Americans get their health insurance coverage through an employer or through a government program, but five percent of the population purchases private health coverage on an individual basis. Each state separately regulates how individual policies may be marketed and sold.

Top 10 Things to Consider when Shopping for Health Insurance

Top 10 Things to Consider When Choosing Health Insurance

With more and more people out of work these days, many Americans are having to make difficult decisions regarding health insurance policies. There are a wide variety of policies to choose from (Cobra coverage, catastrophic insurance, HMOs, PPOs, high-risk insurance, etc) and many people don’t know where to start looking or what to consider. Here are ten important issues to consider before researching health care options.

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