There are pros and cons to purchasing a dental policy, either from your employer or as an individual from a private insurance carrier. In some cases, dental coverage will not save you money at all, even if you are needing dental care.Dental plans emphasize preventive...
Typically, before the Affordable Care Act (ACA), carriers could remove adult children from the policyowner’s coverage based on their age, regardless of their student status. Upon the implementation of the ACA, singed into law March 23, 2010, which requires plans and...
Coverage for children in Texas has been dramatically altered since passage of the Affordable Care Act (ACA) on March 23, 2010. Availability of coverage, benefits, and premiums have been dramatically altered by the ACA. Until the passage of the ACA, long-term...
Decades of Employer-Sponsored Coverage Since World War II, employer-sponsored group coverage has been the holy grail for individuals seeking health insurance coverage for themselves, their spouse, and any dependents. Typically, group plans in this country have been...
What is “Guaranteed Issue”? “Guaranteed issue” means that regardless of your health history or current conditions, you are guaranteed to receive health insurance with no restrictions or waiting periods related to preexisting conditions. How can insurance companies...
What’s Happening with Premiums. Now that there is more complete claims history from previous Open Enrollments, insurance companies are better able to determine their premiums. In addition to more complete claims data, carriers are requesting higher premiums to shore...
