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20 health insurance terms you should know

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With the Affordable Care Act health care exchanges open for enrollment, here are some terms you may want to learn before you dive into a decision about your health insurance for next year. Reported by Click Orlando 2 hours ago.

Zane Benefits Publishes New Information on Small Business Health Insurance Alternatives for 2014

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A run down of the top three small business health insurance alternatives for 2014.

Park City, Utah (PRWEB) December 24, 2013

Today, Zane Benefits, the number one online small business health benefits solution, published new information on small business health insurance alternatives for 2014.

According to Zane Benefits’ website, it's that time of year when small businesses are looking at health benefits for 2014 and evaluating options. During this renewal season, small businesses are in an interesting position. Because of the ACA there are new options for small businesses to afford health benefits - including small businesses who have been priced out of traditional group health insurance. These two factors create new alternatives, and opportunities, for small businesses.

The first on the list is the non-alternative - a small group health insurance plan. A small group health insurance plan is the traditional way for small businesses to offer health insurance, however there are new options for 2014.

One of the new options is the SHOP Marketplaces. The SHOP marketplaces are new state - or federally-run health insurance exchanges for small businesses. The SHOP Marketplaces could be a good coverage option for small businesses.

However, like traditional small group health insurance plans there are certain requirements that make them prohibitive for some small businesses. For example, in Massachusetts employers participating in the SHOP must contribute at least 50% of the premium amount, employers with 1-5 employees must have 100% of the employees enrolled, and employers with 6-50 employees must have at least 75% enrolled.

For eligible small businesses, the SHOP Marketplace gives access to the small business tax credits, which as of 2014 are only available for plans offered on the SHOP.

According to Zane Benefits’ website, the second option is an emerging small business health insurance alternative, and is a simple approach to offering employee health benefits. It is a viable option for small businesses because it removes many of the barriers of offering traditional health insurance.

With a "pure" defined contribution health plan, the benefit the small business provides is health insurance allowances. If the small business would like to contribute to employee's premium expenses, they can use a defined contribution health plan to reimburse employees for the unsubsidized portion of their premium. And, the defined contribution allowances can be allocated by job criteria.

For many small businesses, a "pure" defined contribution health plan will be the most cost-effective solution because the small business can contribute any amount, and individual health insurance costs, on average, less than small group plans.

The last small business health insurance alternative is to offer nothing to employees. In other words, do not offer a formal health benefit.

Click here to read the full article.

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About Zane Benefits
Zane Benefits was founded in 2006 to provide a revolutionized SaaS (Software-as-a-Service) administration platform ("ZaneHealth") for defined contribution health care. The flagship software provides a 100% paperless administration experience to small businesses and insurance professionals that want to offer better health benefits without a traditional group health insurance plan at lower costs. For more information about Zane Benefits, visit http://www.zanebenefits.com. Reported by PRWeb 1 day ago.

Key Health Insurance Deadline Arrives

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Tuesday is the deadline for purchasing health insurance to avoid a lapse in coverage on Jan. 1. The original deadline on Monday was pushed back to ease any potential glitches due to high traffic volume on the websites. Reported by CBS 2 1 day ago.

Colorado health insurance exchange eases deadline to Friday

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Colorado's online exchange for buying individual and small-business health insurance is now giving residents until Friday to sign up for policies starting Jan. 1. Connect For Health Colorado’s deadline for Jan. 1 coverage originally was Monday, but the exchange announced Tuesday that applicants now have until Friday. “Between today and Friday, Dec. 27, Connect for Health Colorado will work with Coloradans who complete the enrollment process to get coverage effective Jan. 1, 2014,” the announcement… Reported by bizjournals 1 day ago.

Steady flow of Arizonans seeking health insurance

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Organizations working to help Arizona residents enroll in health insurance plans on the new federal exchange said Tuesday a steady flow of people was signing up as the deadline loomed to get coverage that starts Jan. 1. Reported by Miami Herald 1 day ago.

'Grace period' for health insurance ends Friday

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Friday will be the end of the grace period to get health insurance starting Jan. 1 for consumers who were frustrated in their attempts to sign up by Monday's deadline. Reported by Miami Herald 1 day ago.

Health Insurance Guide: 3 Next Steps for Enrollees

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Health insurance guide: 3 next steps for enrollees and those who still want coverage
 
 
 
  Reported by ABCNews.com 1 day ago.

Avoiding Health Insurance Gaps Takes Persistence

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To avoid health insurance gaps, consumers need patience and persistence
 
 
 
  Reported by ABCNews.com 1 day ago.

Avoiding health insurance gaps takes...

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CHICAGO (AP) ? The deadline has passed, and so too the surprise grace period, for signing up for health insurance as part of the nation's health care law. Reported by WTNH.com 1 day ago.

Avoiding health insurance gaps takes persistence

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- The deadline has passed, and so too the surprise grace period, for signing up for health insurance as part of the nation's health care law. Reported by WTOP 1 day ago.

Health insurance guide: 3 next steps for enrollees

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The Christmas Eve deadline to enroll via HeatlhCare.gov for health care insurance that starts Jan. 1 has passed. A White House spokeswoman said there was no immediate estimate of visitors or how many succeeded in obtaining insurance before the deadline. Allow a few days for your application to reach the insurance company providing your health plan, then call to make sure it has been successfully processed. If you didn't click "pay now" when you enrolled, make sure you send your first monthly premium payment to your insurance company by Jan. 10. Many state online marketplaces also offer this window-shopping feature. America's Health Insurance Plans, U.S. Department of Health and Human Services, Consumers Union Reported by SeattlePI.com 1 day ago.

Deadline, grace period for health insurance have passed, now what?

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The deadline has passed, and so too the surprise grace period, for signing up for health insurance. Reported by Deseret News 1 hour ago.

India Network International Visitor Health Insurance Announces Higher Pre-existing Coverage Limits for Visitors of All Ages

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India Network Foundation announces new visitor health insurance pre-existing coverage limits from January 1, 2014. Pre-existing Medical Coverage limits have been increased by $5000 from current levels to $25,000 for below 70 years old and $20,000 to above 70 years, highest limits in the United States.

Orlando, FL 32835 (PRWEB) December 25, 2013

India Network Foundation, a US based non-profit organization announces new higher pre-existing condition coverage limits for all ages under the comprehensive plan. In the past few years, many visitors traveling to United States are suffering either from diabetic or blood pressure related problems. These medical conditions are sometimes unknown to visitors with no symptoms to check against those problems. With more than two decades of experience in visitor health insurance programs for elderly parents, India Network observed that the pre-existing medical conditions are seven times more likely to cause a hospital visit during a 90 day stay than accidents and new medical conditions. In order to help families with these (un)expected problems, India Network started offering coverage that specifically include coverage for pre-existing conditions. One India Network long term member recently said that the "India Network program is efficient and easy to enroll compared to Obamacare programs".

The "EasySelect" design provide instant summary of all available options and the premiums associated with the plans in one click. With this information in hand, one can easily navigate and purchase the plan that they are comfortable with. The OnlineEnrollment link shows to enroll in the plan by completing simple application. There is no medical underwriting and policy will be issued instantly when payment is made using a credit card or debit card. The enrollment process is designed to take advantage of latest technologies and takes less than ten minutes for anyone.

ACE Network Plan (a comprehensive health plan) provide coverage for accidents, new medical conditions, and pre-existing medical conditions. The plan pays 80% covered medical expenses up to the policy maximum. This is a very popular option for expatriate community that desire to have a policy maximum of $150,000 with $25,000 for pre-existing conditions ($20,000 for 70 to 99 year olds). The ACE Plan coverage includes several other important benefits such as 24x7 Europ Assist services, medical evacuation, repatriation, accidental death and dismemberment benefit, among many other benefits.

Dr. KV Rao, India Network Foundation said that "it has been very difficult task to increase the pre-existing condition coverage limits for elderly parents visiting the United States. The loss ratios work against pre-existing conditions cover and not many insurance companies in the United States are willing take the risk, particularly with short term visitor insurance Plans. India Network is fortunate to overwhelming participation of Indian Community members in the United States to make it possible for us to obtain the very best possible insurance cover for elderly parents visiting the United States, Canada or Mexico".

India Network Visitor Health Insurance Plans are open to all nationalities visiting the United States and are welcome to take advantage of the plans while visiting the United States. India Network Visitor Health Insurance plans are underwritten by ACE American Insurance Group and claims are adjudicated in the United States as well.

About India Network Foundation

India Network Foundation, established as a US non-profit organization, has been helping the Asian Indian community in the United States with several community programs and grants to academics from India for more than two decades. India Network Foundation sponsors visitor health insurance to tourists, students, temporary workers (H1 visa holders) and their families.Foundation encourages and facilitates various individual projects in Rural India.

For more information visit http://www.indianetwork.org.

About India Network Visitor Health Insurance

India Network Services, is a US based company that administers visitor health insurance to transition residents, tourists, students, temporary workers and their families. Visitor medical plans are offered for all age groups. Scheduled Benefit Plans, and comprehensive Plan with pre-existing condition coverage provide affordable health insurance coverage for all ages. India Network has been helping several Asian Indian families with Obamacare enrollment questions and plan selections under Obamacare for qualified US Citizens and Green Card holders. Reported by PRWeb 23 hours ago.

Zane Benefits Publishes New Information on Employee Health Insurance Decisions

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Questions CEOs Should Ask About Employee Health Insurance

Park City, Utah (PRWEB) December 25, 2013

Today, Zane Benefits, the number one online small business health benefits solution, published new information on employee health insurance decisions.

According to Zane Benefits’ website, CEOs at small and growing companies have various factors to consider with employee health insurance.

One of the first steps in evaluating health insurance options is determining who the company will offer benefits to. Will everyone be covered? Or just certain staff? Full time and part time? Do employees already have coverage through spouses or other family members? Would they keep their current coverage if you offered benefits? Do employees already have coverage under an individual health plan? Are they eligible for, and receiving health insurance tax credits?

These types of questions will help you assess what type of health coverage would be best for the company, and how many people will participate.

Cost sharing requirements will vary by the type of health benefits the company decides to offer.

With a group health insurance plan, monthly premiums are generally paid for by both the employer and employees. In most states, employers are required to cover at least 50% of the monthly premium for their employees. Keep in mind what the company can afford, and also what employees can afford. Premium rates may also increase annually.

With a defined contribution approach there is no minimum cost-sharing or minimum contribution amount. The plan could provide a flat $200/month to employees, and employees would cover any remaining amount of their premium. With a defined contribution health plan the company could also offer different amounts by class of employees. For example, the plan could provide $300/month to the CEO and managers and $150/month to part time clerical staff. As long as the classes are based on bona fide job criteria, this is allowed.

Administering a group health insurance plan typically involves plan selection, employee enrollment and education, claim disputes, and annual renewals.

Administering a defined contribution health plan reduces health benefits administration and involves setting up the plan via defined contribution software, employee enrollment and education, and reimbursing employees on payroll.

Click here to read the full article.

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About Zane Benefits
Zane Benefits was founded in 2006 to provide a revolutionized SaaS (Software-as-a-Service) administration platform ("ZaneHealth") for defined contribution health care. The flagship software provides a 100% paperless administration experience to small businesses and insurance professionals that want to offer better health benefits without a traditional group health insurance plan at lower costs. For more information about Zane Benefits, visit http://www.zanebenefits.com. Reported by PRWeb 16 hours ago.

Obamacare: California extends grace period for health insurance sign-ups to Friday

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Friday will be the end of the grace period to get health insurance starting Jan. 1 for consumers who were frustrated in their attempts to sign up by Monday's deadline -- with a chance the grace period for considering those applications could be extend again. Reported by San Jose Mercury News 9 hours ago.

Deadline, grace period for health insurance have passed — now what?

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The deadline has passed, and so too the surprise grace period, for signing up for health insurance as part of the nation's... Reported by Deseret News 8 hours ago.

Eight Ways to Opt Out of Obamacare

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Eight Ways to Opt Out of Obamacare With the deadline to sign up for Obamacare having come and gone, many Americans have decided to “opt out” of President Obama’s signature health care reform law, choosing instead to pay the $95 penalty for sidestepping the individual mandate.

“For many Americans opting out of Obamacare is the best decision they can make, but it's important that they do it the right way—just refusing to buy health insurance and not having another way to pay for catastrophic medical expenses is a mistake,” Sean Parnell, author of the newly-released The Self-Pay Patient, told Breitbart News. “People who want to opt out should be looking at alternatives to conventional health insurance, such as joining a health care sharing ministry or purchasing a fixed benefits policy."

Parnell also strongly advises Americans against opting out and simply paying the “list” price for medical visits and prescription drugs without shopping around, or by relying solely on the local hospital emergency room for routine medical care.

“This approach leaves people who opt out vulnerable to sky-high medical expenses at inflated ‘list’ or ‘chargemaster’ rates, and can result in an inability to obtain needed care because of cost,” Parnell writes on his blog, selfpaypatient.com.

Instead, Parnell recommends the following eight options for those who have opted out of ObamaCare:

*1. Join a health care sharing ministry*, which are voluntary, charitable membership organizations that share medical expenses among the membership.

Parnell states that Samaritan Ministries, Christian Healthcare Ministries, and Christian Care Ministry are open to practicing Christians, while Liberty HealthShare is open to those who are committed to religious liberty.

Healthcare sharing ministries “operate entirely outside of ObamaCare’s regulations, and typically offer benefits for about half the cost of similar health insurance,” says Parnell. “Members are also exempt from having to pay the tax for being uninsured.”

*2. Purchase a short-term health insurance policy.*

“These policies usually last between one and 11 months and are not regulated under ObamaCare, and, therefore, don’t offer the same high level of benefits that can drive up costs,” writes Parnell.

*3. Buy alternative insurance plans* such as fixed-benefit, critical illness, or accident insurance.

“These policies pay cash in the event you are diagnosed with cancer, spend a night in the hospital, or need some other medical treatment,” Parnell says. “They cost a fraction of what health insurance costs under ObamaCare, and by giving you cash directly you aren’t locked in to any particular provider network.”

Parnell also recommends maxing out medical and uninsured/underinsured driver coverage amounts under an auto insurance policy, which can help pay for medical bills in the event of injury in an auto accident.

Once major medical insurance is arranged, Parnell suggests shopping around for health care providers and services.

*4. Visit cash-only doctors and retail health clinics for primary care.* If you usually visit a doctor more than a couple times per year, consider joining a direct primary care practice which will give you access to nearly unlimited primary care for a modest monthly fee.

*5. Sign up for a telemedicine service*—lower-cost options in which doctors treat relatively simple medical issues via phone calls, email, or a video connection. Telemedicine especially works well, Parnell says, for common injuries, conditions, and illnesses.

*6. Use generic prescription drugs whenever possible, and compare prices between pharmacies.* Less expensive options are sometimes available at large chain pharmacies such as Walmart and CVS, and online sites such as GoodRx.com and WeRx.org allow patients to view the best deals on medications.

*7. For surgery, Parnell recommends going to a facility that offers up-front “package” prices for self-pay patients,* such as the Surgery Center of Oklahoma and Regency Healthcare, where prices are typically much less than what is charged at most hospitals. In addition, sites such as MediBid, where doctors bid on providing your surgery or treatment, will often yield substantially less expensive costs coupled with high quality medical care. Yet another option is to become a medical tourist.

*8. When a hospital visit becomes necessary, Parnell suggests working with a medical bill negotiation service* to get the best price available rather than accept the wildly inflated “chargemaster” prices, usually three to five times more than what insurers pay for the same service or treatment. Patients who wish to negotiate on their own will likely need to put in a significant amount of time and effort, but can use the Healthcare Blue Book or Pricing Healthcare as a starting point to help them find out what insurers are paying for medical services.

“Many Americans say they would prefer free market healthcare, and they don't have to wait for Congress to repeal, replace, or reform Obamacare to have that,” Parnell told Breitbart News.

“Simply by opting out and doing things like visiting cash-only doctors, becoming a medical tourist, shopping around for the best prices on prescription drugs, and obtaining an alternative type of coverage they can enjoy all the benefits of free market healthcare today including access to affordable, quality care and getting government and insurance company bureaucrats out of the doctor-patient relationship.”

 
 
 
  Reported by Breitbart 4 hours ago.

Health-Insurance Deadlines Keep Slipping

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Last-minute influx of enrollees prompt the Obama administration and some states to keep the rolls open for Jan. 1 coverage. Reported by Wall Street Journal 4 hours ago.

States weigh legal options against contractor for malfunctioning health insurance websites

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WASHINGTON — As the federal health insurance website limps to recovery from its botched debut, states with their own malfunctioning websites, including Massachusetts and Vermont, are taking the first steps to recoup taxpayer dollars from the very same company leading the federal rollout.
 
 
 
  Reported by Boston.com 2 hours ago.

Endometriosis Bible And Violet Protocol Review | Secrets and Benefits of This Program Uncovered by Natasha Boucher from the Vinamy Website

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Endometriosis Bible And Violet Protocol designed by Zoe Brown is the latest program that helps people get rid of symptoms such as pelvic pain, infertility, diarrhea, constipation, lower back pain and abdominal pain. Is Endometriosis Bible And Violet Protocol review trustworthy?

Seattle, WA (PRWEB) December 25, 2013

Endometriosis Bible And Violet Protocol is the latest endometriosis treatment program that is designed by Zoe Brown, a nutrition specialist, former endometriosis sufferer and health consultant. Zoe has over 10 years of experience in helping other people get rid of symptoms such as pelvic pain, infertility, diarrhea, constipation, lower back pain, abdominal pain, and other symptoms of this disease. Since Zoe released the “Endometriosis Bible And Violet Protocol” program, many people used it to help them stop their abdominal pain and regain their beautiful health easily.

The review on the site Vinamy.com indicates that this program covers safe and natural remedies that people can use to regulate their digestion and eliminate toxins, boost their energy levels, and prevent endometriosis related diseases and conditions. In addition, Zoe Brown will provide people with a wide range of instruction manuals when they order this program. Firstly, people will have the “Health Insurance System – Back Door” manual, and the “Burn Your Body Fat Off And Boost Your Metabolism” manual. Secondly, people will receive the “Natural Detox – How To Detox Naturally” manual, and the “PMS To PPD – Understanding The Phases Of The Female Body” manual, and the “Endometriosis Bible” manual. Finally, people will get 12 weeks of personal counseling with Zoe.

Natasha Boucher from the site Vinamy.com says: “this program is a new solution for those people who want to eradicate their endometriosis forever. In addition, Zoe Brown will offer people some special gifts when following this program. Firstly, people will get the “Pregnancy Nutrition By Zoe Brown” book that instructs them how to gain minimal weight and stay fit during pregnancy, and how to lose their stubborn belly fat with ease. In this book, people also discover how exactly nutrition affects their baby development, and how to get a healthy baby without giving up their favorite foods. Secondly, people will receive the “Stretch Marks Resolved” book that provides them with simple tactics for preventing or treating their stretch marks quickly. This book also reveals to people the main factors that cause their stretch marks. Finally, Zoe Brown will give people the “Those 9 Months – Beginner’s Guide To A Healthy Pregnancy” book that teaches them how to manage their pregnancy, how to make sure that they carry and deliver a healthy baby, and how to plan for the day of their baby’s arrival.”

If people wish to view pros and cons from a full Endometriosis Bible And Violet Protocol review, they could visit the website: http://vinamy.com/endometriosis-bible-violet-protocol-review/.

To know more information about this program, get a direct access to the official site.

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About Natasha Boucher: Natasha Boucher is an editor of the website Vinamy.com. In this website, Natasha Boucher provides people with reliable reviews about safe and natural treatments for endometriosis. People could send their feedback to Natasha Boucher on any digital product via email. Reported by PRWeb 2 hours ago.
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