Archive for the ‘Blog’ Category
American Community to Golden Rule
If you are one of the 42,ooo insured through American Community in Michigan, good news! Golden Rule, a unit of UnitedHealth Group Inc, has agreed to provide health coverage to those who had individual medical insurance plans. What about pre-existing conditions? The option of transferring
Office Visit Copay: 20% after Deductible, should mean what to me?
If you have a health insurance plan that states office visit copay: 20% after deductible, what is the cost of your office visit? Great question. If your plan does not include office visits prior to the deductible, you are responsible for the full cost of
Aetna to Extend Dependent Coverage Age – Under Age 26
Aetna is one of the first carriers to offer extended health insurance coverage to dependents under age 26. If you didn’t already know, the recent healthcare reform allows parents to keep dependent children up to age 26 on their health insurance plans. With so many
BCBSM Rate Increase? Here’s Why…
Last year BCBSM (Blue Cross Blue Shield of Michigan) requested approval to increase rates in Michigan by more than 70 percent. The rate hike would affect about 400,000 BCBS members. Including around 209,000 seniors who have supplemental Medicare. So the rate increase may or may
Michigan health care insurance that covers lap band?
What health care insurance covers lap band or gastric bypass surgery? Depends. Health care insurance covering the lap band surgical procedure is determined on a person-by-person basis. Some policies only cover the procedure when/if medically necessary. It may be covered if you meet the national
Are individuals underwritten with group insurance?
Yes. Group insurance is medically underwritten. The entire gr0up, including the individual are reviewed by underwriting for group health insurance. Let’s take a look at why one might ask this question. Most often we hear this due to a concern about being denied for coverage.
$0 copay for office visit after deductible. how much is the office visit?
If you have a $0 copay for office visits after your deductible, how much does your office visit cost? That depends. At first glance, without knowing what your copay before the deductible, all indications would be that you would pay nothing for your office visit.
Michigan Sole Proprietorship Health Insurance
Unknown to many a Michigan sole proprietor, BCBS of Michigan offers One Subscriber Group health insurance (OSG). That’s right if you are a solopreneur, you can get individual group health insurance coverage for one. To qualify for individual coverage you must be either a sole proprietorship (One
Michigan Individual Insurance on a Guaranteed Basis?
Wondering what health insurance companies are going to offer individual insurance on a guaranteed basis once an individual exhausts their cobra coverage? Until 2014 it looks as if Michigan residents have one choice for guaranteed issue. BCBS of Michigan. While other companies such as Aetna,
COBRA Subsidy Extension 2010
A short-term extension of COBRA health insurance premium subsidies for involuntarily terminated employees has been approved. Now, employees terminated from April 1 through May 31, 2010, will receive the 15-month, 65% federal premium subsidy. Prior to this extension, March 31, 2010 was the cut-off date. President
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