Tag Archives: health care management

I Can’t Find A Doctor Who Will See Me!

We have received phone calls from many individuals who signed up for health insurance through the Marketplace without a broker and are now struggling to find participating providers. Their key question: shouldn’t every provider who participates in a particular network be required to accept all patients enrolled in plans that use that network whether through […]

Leave a comment Continue Reading →

Holiday Self Control

The holiday season is coming into full swing. We have warmed up our “sweet teeth” with Halloween candy, we are warming up our taste buds for our Thanksgiving feast and we are preparing our tummies for all the treats we associate with the time between Thanksgiving and our New Year’s resolutions. The weather is turning […]

Leave a comment Continue Reading →

Marketplace Update

Now that we are in our third year of the Affordable Care Act many of us have prepared ourselves for the ongoing nightmare of working with our clients to qualify for Marketplace subsidies. The last two years have been marked with website crashes when we tried to enroll individuals electronically and interminable time on hold […]

Leave a comment Continue Reading →

Medicare Supplement or Medicare Advantage?

Each day thousands of us turn 65 and we need to address this choice. So how do we choose and what criteria do we need to consider in making this choice? Fundamentally, we compare apples and oranges when we face this decision. Remember, Medicare Advantage plans are the actuarial equivalent of traditional Medicare (Parts A […]

Leave a comment Continue Reading →

Unpleasant Surprises

In our agency dealings we come across a lot of “gotchas” in many parts of the employee benefits picture. Whether our clients are individually enrolled or are part of employer based plans the surprises are very similar. Here are the latest unpleasant surprises we have run into: Many of us are not clear about non-emergency […]

Leave a comment Continue Reading →

It’s the Last Quarter of the Year

What does this mean relative to our health insurance and other benefits? We should not postpone any treatment because we don’t think we will meet our deductible for the year. Most health insurance plans credit claims that go toward deductibles in the last quarter of the year into the next year. So, if we feel […]

Leave a comment Continue Reading →

Prescription Review

The start of the Medicare Open Enrollment period is a scant two weeks away, so it is time for us to line up our pill bottles and prepare for our annual prescription review. Open enrollment for those of us under age 65 is a scant month away. Each year prescription formularies change for all carriers […]

Leave a comment Continue Reading →

Plan Decisions

Very soon many of us will face open enrollment for our health insurance benefits. Plan decisions need to be taken seriously as we risk not only dollars we pay into premiums, but also dollars we pay as our share of the claims we incur. So how do we best determine which plans to choose? Rich […]

Leave a comment Continue Reading →