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10 months ago · by · 0 comments

Republicans Still Push To Repeal ACA

Following the unsuccessful attempt to pass the American Health Care Act, everything seemed like it was back to normal. Now not even a week later, the Republicans have decided that they still want to move forward with repealing and replacing Obamacare (The Affordable Care Act.) It seems as if the Republicans have yet again begun negotiations under pressure from conservative groups. President Trump had said that he optimistic that Obamacare would explode and that the democrats would come to him wanting to work out a solution for a better health care solution. Although President Trump said that he wanted to move on to other issues for now, Paul Ryan seems to not have given up on repeal and replace. “We’re not going to retrench into our corners or put up dividing lines. There’s too much at stake to get bogged down in all that,” said Paul Ryan.

“I think we’re closer today to repealing Obamacare than we’ve ever been before, and surely even closer than we were Friday,” said House Republican Whip Steve Scalise.

No word yet on if the new plan will be a modification of the American Health Care Act or something new entirely.

Questions about health insurance? Click here to speak with an expert. 

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10 months ago · by · 0 comments

Why Small Business Dental Benefits?

 

Small business dental benefits are probably the last thing on a busy business owner’s mind. Just because they aren’t a part of a federal mandate, doesn’t mean they aren’t extremely beneficial to both employers and employees. Here why they are important:

  1. Your employees want it. Dental is one of the most sought-after employee benefits which increases their overall job satisfaction and productivity.
  2. It makes you more competitive in your industry and attracts quality employees.
  3. It’s flexible and affordable.The Three Types of Dental Insurance
  4. A dental plan gives you access to a network of participating dentists that offer their services at discounted fees.1)      DHMO – (Dental Health Maintenance Organization) a limited network of doctors with lower premiums. A primary dentist must be chosen, and a referral is required to see dental specialists.2)      DPPO – (Dental Preferred Provider Organization) access to a larger network of dentists with higher premiums. Members of a Dental PPO must pay their deductible before receiving any reimbursements. You have the choice to see in-network or out-of-network dentists without a primary dentist or referrals.

    3)      Discount Dental Plans – Affordable alternatives to dental insurance. Discount dental plans offer access to large networks of participating dentists that offer their services for discounted fees. These dental savings plans are similar to a club membership.

Why Dental?

Did you know that there is a connection between your oral health and your overall health? For example, people who have Diabetes are more likely to get gum disease because their bodies can’t easily fight infection. People who have gum disease are prone to getting heart attacks. Because of these reasons seeing a Dentist becomes a form of preventative care and sometimes can detect imbalances in your health early on from just a regular check-up.

Dental insurance varies from plan to plan but here are some features and qualities to look for when choosing a good plan for your employees.

Commonly referred to as “Dental Benefits” instead of coverage by providers, dental plans are slightly different than medical insurance. Medical insurance kicks in after a deductible of a certain amount is paid.  Dental insurance only covers you up to a certain limit. Typically the average annual limit they will cover is around $1,000 to $1,500. Once your dental costs go over that limit, you are responsible to pay the remainder of the costs for the rest of the year.

That amount can is spent very quickly due to the fact that the provider limits have essentially stayed the same for the past forty years. According to DentalPlans.com, the cost of dental services rises at a rate of 5.5% every year. The average cost for a crown can cost anywhere from $750 – $1200. The cost of one dental implant starts at $1,500.

Despite all this, only 2 to 4 percent of Americans go over the annual limit on their dental plans. This is because most dental plans emphasize preventative care. Most plans offer what is called “100-80-50” coverage. This means that the plan will cover 100% of preventative and diagnostic checkups (2 checkups a year with cleanings and x-rays.) They will cover 80% of basic services such as fillings, and 50% for major procedures like crowns and root canals.

What You Need To Know

1)      Determine how much you have in your budget for Insurance

2)      Look for plans that cover 100% of preventative care with no deductible. This includes a dentist visit twice a year and an eye doctor visit once a year.

3)      Look for purchasing pools, this allows small companies to band together to buy health insurance.

Questions about insurance? Call (281)436-7424. Or click here to speak with an expert.

 

 

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10 months ago · by · 0 comments

Mandate Fee to be Replaced with Continuous Coverage Penalty

continuous coverage penalty

Many people are wondering what the new healthcare replacement bill will look like without the individual mandate fee that was introduced in Obamacare. According to Allison Kodjak, the NPR health policy correspondent, and Julie Rovner, from Kaiser Health News, the mandate will still be in the new plan but it will not be enforced by penalties. Under Obamacare, individuals would have to pay the government $695 or 2.5 percent of their income (whichever was greater) if they were not covered by health insurance. In the American Health Care Act, the individual mandate fee would be replaced by a continuous coverage penalty. 

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10 months ago · by · 0 comments

What the Media Won’t Tell You About the New Health Care Reform Bill

After seven years of debate and deliberation, the Republicans have finally started drafting a bill to replace the Affordable Care Act (aka Obamacare). It’s called the American Health Care Act, and it has been met with mixed reactions ever since it was announced on March 6, 2017. The Republican Party is very much divided on this bill, with conservatives such as Rand Paul calling it ‘Obamacare Lite’.

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11 months ago · by · 0 comments

Aetna Joins Cigna and Anthem In Loosening Restrictions To Addiction Treatment After Pressure From Attorney General

addiction treatment

Health Insurance companies such as Aetna are now loosening restrictions on access to opioid addiction medication. The changes will go into effect in March. Aetna will stop requiring doctors to seek approval before prescribing addiction medications such as Suboxone which helps with withdrawal symptoms from substances such as heroin and heavy pain-killers.

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11 months ago · by · 0 comments

A Look At The New Health Care Reform Proposals

New Health Care Reform Proposals

Many new health care reform proposals have been coming out ever since Donald Trump was elected President. Four Republican Senators recently announced a proposal that would allow states the choice to keep Obamacare. The States would be able to choose between staying with the Affordable Care Act, going with Federal default coverage, or opting out of Federal help.

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