Archive for the ‘You at Work’ Category

What Is Affordable Coverage?

May 17th, 2013 KJensen

Kelley-Jensen2Author: Kelley Filice Jensen

I keep hearing that my employer needs to provide affordable health coverage, and if not, I am eligible to buy an individual health insurance plan and apply for subsidy (premium assistance credit).  How is affordability determined and who determines it?

First, understand that when you get health insurance through work, usually your company pays a portion of your health insurance premiums and you pay a portion of them.  Very few companies pay 100% of the cost of health insurance premiums.   So, what you pay for monthly premiums is the starting point in determining affordability.  Read more...

Posted in Health Concerns, Health Reform, Insurance, You at Home, You at Work Tags: , , , , , , , , , , , , , No Comments »

Health Insurance: Should I Ask My Boss About It?

May 16th, 2013 KJensen

Kelley-Jensen2Author: Kelley Filice Jensen

I have a friend that got a notice from her work about the new health care law, but I have not gotten one from my employer.  Should I ask about it?  What does the notice say, and will it help me get health insurance?  Right now I do not have any health insurance, it is not offered at work, but I know that I am supposed to get some in 2014.  Will my boss start providing it, is that what this notice is about?  Read more...

Posted in Health Concerns, Health Reform, Insurance, You at Home, You at Work Tags: , , , , , , , , , , , , , , , , , , , No Comments »

Health Insurance When Working For A Temp Agency

May 8th, 2013 KJensen

Kelley-Jensen2Author:  Kelley Filice Jensen

I work for a temp agency that calls me when they have an assignment.  I never know how many hours I am going to work in a given month, but one assignment can keep me at a Company for 6 months, it just depends.  Right now I have no health insurance, but would like to get some, starting in 2014, with the new law.  Can I get it through the temp agency, one of the company’s I have been assigned to, or do I have to buy it myself?   Read more...

Posted in Health Concerns, Health Reform, Insurance, Self-employed Health Insurance, You at Home, You at Work Tags: , , , , , , , , , , , , No Comments »

Medicare Eligible. Can My Adult Child Stay On My Work Insurance?

May 2nd, 2013 KJensen

Kelley-Jensen2Author:  Kelley Filice Jensen

I am 64 years old.  I still work and have my health insurance through my job, but I am thinking about enrolling in Medicare around my 65th birthday, regardless of whether I retire or not.  If I do that, can my child stay on my work’s insurance plan?   He is 23 years old, and a full time student with a part time job that does not offer health insurance.  I am worried about what will happen to him if I go elect Medicare coverage.  Read more...

Posted in Health Concerns, Health Reform, Insurance, You at Home, You at Work Tags: , , , , , , , , , , , , , , , , , , No Comments »

How to Buy Affordable Health Insurance in 2014

April 30th, 2013 KJensen

Kelley-Jensen2Author:  Kelley Filice Jensen

Covered CA,   the state run marketplace created from health care reform, just issued an actuarial study about the impact of health care reform on health insurance rates for 2014.  The results? Rates are going up somewhere between 20% and 30% or going down between 40% and 75%, depending on your income levels.  So what do you do?  Shop wisely.  The actuarial report highlights the importance of being a smart shopper of health insurance. Being well informed on the plans available, and whether you qualify for subsidy, is critical for getting the best value from the new insurance plans available in 2014.  Read more...

Posted in Health Concerns, Health Reform, Insurance, You at Home, You at Work Tags: , , , , , , , , , , , , , , , , , , , , , , , , , , , No Comments »

Corporate Wellness programs – Are They Discrimination?

April 18th, 2013 KJensen

Kelley-Jensen2Author:  Kelley Filice Jensen

Biometric Screenings in the break room?  Yoga classes at lunch?  “Walking” meetings?  What is going on at work?  Corporate wellness programs are all the rage, and there are two simple reasons:  reducing employee absenteeism  and decreasing health care costs.  But, what if you do not want to participate in a wellness program, can your boss make you?  Isn’t that discrimination?  And, how can they ask you health questions that are private information protected by HIPAA (Health Insurance Portability and Accountability Act)?  Get answers about wellness programs here.

What exactly is a Workplace or Corporate Wellness Program?               Read more...

Posted in Employees, Health Concerns, Insurance, Well at work, Wellness, You at Home, You at Work Tags: , , , , , , , , , , No Comments »

Test Your Knowledge of Health Care Reform

March 29th, 2013 KJensen

Kelley-Jensen2Author:  Kelley Filice Jensen

Last week marked the 3rd anniversary of health care reform, formally, The Affordable Care Act (ACA).   Where does the average American stand on the law?  Do they understand it?  Are there misconceptions?  Will they purchase affordable health insurance, in accordance with the individual mandate, or just stay uninsured?    Kaiser Family Foundation (KFF) , a non-profit, non-partisan foundation that researches and produces health policy and health information in the United States and around the world, released a new Health Tracking Poll detailing America’s current knowledge, expectation, and opinion of The Affordable Care Act.  Read more...

Posted in Health Concerns, Health Reform, Insurance, You at Home, You at Work Tags: , , , , , , , , , , , , , , , , , , , , , , No Comments »

Health Care Reform and Small Businesses

March 26th, 2013 KJensen

Kelley-Jensen2Author:  Kelley Filice Jensen

How does health care reform affect small businesses?  What classifies a business as small?  Does reform help or hurt small business owners?  There is a lot of confusion about this new law and the impact it will have on small businesses and owners of those businesses.  Maybe the business has never provided health insurance benefits to employees, but would like to and would like to know more about the state exchanges set up for small business owners.  Or maybe, the business owner has no legal obligation to provide insurance for his employees, even under the new law, but would like to help his employees enroll in affordable health insurance plans available  with health care reform.  Questions and answers for small businesses are right here.  Read more...

Posted in Health Concerns, Health Reform, Insurance, You at Home, You at Work Tags: , , , , , , , , , , , , , , , , , , , , , , , , No Comments »
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