Archive for the ‘FAQ’ Category
Office Visit Copay: 20% after Deductible, should mean what to me?
TweetIf 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
Michigan health care insurance that covers lap band?
TweetWhat 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?
TweetYes. 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?
TweetIf 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.
Section 125 Pre-Tax Plans
TweetSection 125 Plans, also known as Cafeteria Plans, came about through Congress in 1978 and are named after their Internal Revenue Code. Such plans provide an employee benefit plan under which the employee makes an irrevocable decision to forego a portion of future income in
What is HIPAA?
Tweet HIPAA stands for the Health Insurance Portability and Accountability Act of 1996. It is a federal law written with the intent to provide improved portability and continuity of health insurance coverage. (While the law applies to the health plans of most employers, certain non-federal governmental self-funded plans are allowed
What qualifies one for a leave under FMLA?
TweetYou must be granted unpaid leave for any of the following reasons: The birth of your child or to care for your child after birth (the leave must be completed within 12 months of the birth). The placement of a child with you for adoption
Family and Medical Leave Act of 1993
Tweet The federal Family and Medical Leave Act (FMLA) requires covered employers to provide up to 12 weeks of unpaid, job-protected leave to “eligible” employees for certain family and medical reasons. Certain states may have similar leave laws; however, state laws are not discussed here.
What is ERISA?
TweetERISA, the Employee Retirement Income Security Act of 1974, governs most employee benefit plans. It is administered by the U.S. Department of Labor. The law gives certain rights to employees and gives employers certain responsibilities to act on the behalf of employees. Note: A complete list
How long may I keep COBRA coverage?
Tweet Depending on the circumstances, the coverage may be kept for up to 18, 29, 36 months (or potentially even for life for certain retirees of bankrupt companies) under federal law — state law may expand benefits in some cases. The following chart shows the length of coverage
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