Obamacare – Next Question

April 1st, 2014

Enrollment in Obamacare has reached 6 million, and 25% of those people are between the ages of 18 and 34. The question that remains is how many people will not pay the premiums or drop-off after 1 or 2 months?


March 28th, 2014

Enrollment has reached 6 million. The question that remains is how many people will not pay the premiums or drop-off after 1 or 2 months?

Insurance Delay

March 6th, 2014

Americans who kept health plans that don’t comply with the ACA
requirements will be able to renew those policies for two more years.

What to expect for the next month

January 8th, 2014

The current state of insurance is long on-hold times to reach a representative at an insurance company. Another issue is that some insurance companies have not finalized the plan policies so members do not have a way to understand their full plan benefits.

Denied coverage – violation of the law or a trick?

December 31st, 2013

Insurance companies are denying insurance due to pre-existing conditions – a violation of the law or a trick?

The Affordable Care Act is clear that as of 2014, people cannot be denied coverage due to pre-existing conditions. Interestingly, HealthCare Advocates has been receiving calls from people that are being denied coverage for pre-existing conditions. What is the gimmick you ask? It is still 2013 and the law does not take effect until 2014. This allows the insurance companies to deny undesirable members up and until January 1, 2014.

Of course most people would think, “doesn’t the insurance company have to tell me this or suggest that I apply in 2014?” While it would seem like the decent thing to do, the insurance companies may deny people coverage based on pre-existing conditions up until January 1, 2014. If you have a pre-existing condition, just apply after the 1st of the year.

Flexible Spending Accounts

November 26th, 2013

The Internal Revenue Service announced that the healthcare flexible spending accounts’ use-it-or-lose-it rule has been changed. The new rule has been changed to allow people to carry a maximum of $500 from one year to the next.

Premium Calculations

November 24th, 2013

Starting 2014, insurers selling personal or small group plans must use
Community Rating. Insurers calculate the Community Rating and adjust
your cost based only on:

Your family size
Where you live
If you use tobacco
Your age

Obamacare Update

November 21st, 2013

On November 14, 2013, the Department of Health and Human Services implemented a transitional relief policy. This allows non-grandfathered health insurance plans to remain in compliance with new Affordable Care Act (ACA) market reforms through October 1, 2014.

Drugs and Brain Damage

August 22nd, 2013

Study finds that young drug abusers were up to 3 times more likely to suffer brain damage. http://www.irishhealth.com/article.html?id=7759

Well-Known Hospitals Not Always Best for Surgery

August 5th, 2013

This is why people need HealthCare Advocates: