Open Enrollment begins November 1 for a January 1 effective date. Chances are, you are wondering what will happen to premiums. Here is the not-so-good news: Because the industry can now base premiums on two years of real claims history, premiums will likely go up. The...
With the implementation of the Affordable Care Act (ACA) on January 1, 2014, Texas consumers now have a viable alternative to employer-sponsored group coverage. Prior to ACA, group coverage had an advantage over private insurance in Texas because: Group coverage...
The Affordable Care Act (ACA) has created an environment where personal coverage for an individual or an entire family is much more accessible than it was prior to the legislation. Personal coverage is now a viable alternative as compared to coverage secured through...
Families often question why the policyholder is the only one listed on a health insurance identification card. Parents, to avoid delays in receiving medical services question whether they should request individual identification cards in the name of each child. ...
We recently shared Blue Cross Blue Shield’s announcement that they will no longer offer their individual Blue Choice PPO plans – Off Marketplace (nonsubsidized) and On Marketplace (subsidized) – for 2016 and going forward. Further, they will automatically transfer...
Health insurance in Texas was turned on its head during the 2016 Open Enrollment when the state’s insurance companies dropped their Preferred Provider Network (PPO) , limiting people’s choices to Health Maintenance Organization (HMO) or Exclusive Provider Organization...
