Essential Health Benefits

The U.S. Department of Health and Human Services (HHS) issued a list of frequently asked questions (FAQ) in order to clarify the rules pertaining to the essential health benefits.  The requirements for essential health benefits were included in the Patient Protection...

Health Protector Guard

The Affordable Care Act (ACA) has created instability in the individual market, which has resulted in a dramatic escalation of premiums and an exodus of carriers providing coverage.  The lack of carrier competition has reduced plan options and limited provider network...

The Benefit of Negotiated Rates

Texas health insurance policy holders receive a benefit every time they file a claim but are probably not aware that they are receiving the benefit.  The most common type of health insurance for individuals and families is classified as a HMO  or Health Maintenance...

You got the C.O.B.R.A letter. Now what?

When an employee leaves employment, regardless if the separation is voluntary or involuntary, one of the first items to address is the letter outlining your benefits under C.O.B.RA.  Although carrying the same name as the world’s largest venomous snake, there is...

Medicare Part B Premiums

Medicare is divided into three parts: Part A (hospitalization), Part B (medical services) and Part D (prescription benefits).  Individuals who have worked 40 quarters during their lifetime will not have to pay a premium for Medicare Part A. The Medicare Part D premium...