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In this Months Newsletter, Travel and Health Insurance – It is very important to know the network of doctors and providers that your insurance plan uses. Marketplace Issues – Clients have been receiving letters indicating that they have lost their Premium Tax Credit from the Marketplace. Requested Rates Increases – For Individual and group 2017 Out-Of-Pocket Maximums July […]
Requested Rates Increases Insurance carries have submitted their requests for 2017 rate increases. You can review these numbers at https://ratereview.healthcare.gov/#search. BCBS Requested Rates for Individual ACA compliant products – 35% Requested Rates for Small Group ACA compliant products. – 9.5% Medica Requested Rates for Individual ACA compliant products. – 35% United HealthCare Requested Rates for Small Groups ACA compliant products. […]
SPD stands for Summary Plan Description. It is an important document that is required for all ERISA- covered health benefit plans. The SPD provides information on when an employee can begin to participate in the plan, what coverage is offered, how the plan operates, and the rights and responsibilities of participants and beneficiaries. The document […]
Marketplace Notices – Some employers have reported that they have received a notice from the Marketplace indicating that one of their employees has enrolled through the Health Insurance Marketplace and received a Premium Tax Credit. The purpose of the notice is to determine if that employer is liable for a penalty under the Affordable Care […]
Do you know how your health insurance works when you are away from home? Here are some tips. For travel within the US: It is very important to know the network of doctors and providers that your insurance plan uses. If you have an HMO Network, you will not have access to in-network providers when […]
So Chris, my doctor moved out of my network which means my kids and I can no longer see her. Do I have to switch doctors or is there a way that I can make it work?
Understanding Transition Coverage Options. Does your life event qualify you for a Special Enrollment Period? Question: I am losing health insurance from my employer? Should I take COBRA or should I… Read More
The U.S. Department of Labor (DOL) has released a final rule, effective December 1, 2016, updating the regulations governing which executive, administrative, and professional employees (“white collar” workers) are entitled to the minimum wage and overtime pay protections of the federal Fair Labor Standards Act (FLSA) Read More
With all of the tools available online, it may seem like you can handle health insurance on your own. So, why should you use a health insurance agent? Because just simply, health insurance is confusing. We understand all the technical building blocks of the policy. We use those to guide you to the best plan […]
Are you getting married, switching jobs, having a child, moving to a new state or celebrating your 26th birthday? If any of these life events pertains to you, get the scoop to see if you are eligible for a Special Enrollment Period (SEP.)
The United HealthCare (UHC) withdrawal only affects individual business. UHC will continue to market and sell group policies. In-force UHC group plans are NOT affected. Here is the latest in the ACA changes for 2016. Eliminated automatic enrollment provisions Delay of the “Cadillac” tax Extension of information reporting deadlines Upcoming Deadlines for Employers […]
Congratulations to this years “donut selfie” contest for our National Pastry Day.
I am losing health insurance from my employer? Should I take COBRA or buy my own? A: Great question that comes up in several situations: *Changing jobs; *Leaving a job to start a new business; *No longer eligible for the employer’s health insurance because work hours have been reduced; *Lose your job for any reason; *Employer […]
Over 65 Health Insurance news mixed with a little National Pastry Day Fun! Those who were born in 1951 will turn 65 this year. For most people, that means eligibility for Medicare benefits. Some look forward to it while others prefer to live in “denial” but it happens to everyone that is fortunate enough to reach […]
Those who were born in 1951 will turn 65 this year. For most people, that means eligibility for Medicare benefits. Some look forward to it while others prefer to live in “denial” but it happens to everyone that is fortunate enough to reach their 65th birthday. Medicare is a federal program that offers health insurance […]
For those of us who used to watch “The Jetsons,” their futuristic world is becoming our reality! What are we talking about? That would be, Telehealth. How do you use these services and what is all the buzz all about? You’ve probably noticed the TV ads and mail announcing that Telehealth services are now available. […]
Spring is a great time to hit the reset button and reintroduce some fresh foods into your kids’ diet after a long winter. Get into the swing of spring with these seasonal favorites. Read More at eatright.org
Since it is National Nutrition Month we’d like to share a great read on kicking bad eating habits. From eatright.org Are you guilty of skipping breakfast, ordering takeout, getting jitters from coffee overload and counting potato chips as part of a viable diet plan? It’s time to kick those habits to the curb and start […]
We frequently are questioned about Health Sharing ministries. This article presents a fairly balanced report on the status of these types of programs. Click Here.
You’ve probably noticed the TV ads and mail announcing that telehealth services are now available. These services are being offered in 2016 by health insurance companies and from health care providers, such as hospitals and pharmacies. Telehealth represents virtual medicine; a new level of innovation and technology in the Nebraska health care market. You can […]
Why do I have health insurance? Reason #1 “Because broken bones never occur at the most convenient of times. When my son broke his arm… is was so nice to not have to worry about my coverage so that I can focus on him.” – Kayla N.
Uncontrolled high blood pressure is a leading cause of heart disease and stroke, make a goal this month to regulate your blood pressure with your doctor… learn more at http://goo.gl/0iTYWD
Compro Insurance : HSA Tips
Check out the infographic from Theraflu, it shares the facts vs. the myths on the cold and flu. Get answers to questions such as; can cold weather actually cause a cold or should I really gargle with salt water when my throat hurts? Understand the similarities and differences between the cold and the flu at Web.com.
Important Announcement for January 2016 We have been getting dozens of calls from both individual policy holders and those who receive health insurance from their employers asking about the status of their insurance cards. Remember that delays are inevitable at the beginning of the year because of the massive number of transactions that health insurance […]
During January, most of us will receive a Form 1095 that provides information about health insurance benefits that we received in 2015. This is an IRS form that will be used to prepare your personal tax return. The form that you receive will vary based upon the type of health insurance you had. 1095-A is […]
The rush of the holidays came quickly – and now it is time to look to 2016. It is that time of year when we are all surrounded by “new years resolutions.” This article highlights simple, yet thoughtful ideas that we all can easily accomplish in the new year. One of the suggestions, is simply to be […]
ComPro wraps up this year with its holiday newsletter. Both the individual and group teams have been very focused on completing January 1 renewals…what to expect in 2016 and more. Check it out!
Because of unprecedented demand at HealthCare.gov and our Marketplace Call Center, we’re extending the deadline to sign up for January 1 coverage until 11:59 p.m. PST on December 17. Hundreds of thousands have already selected plans over the last few days, and approximately 1 million of you have left contact information to hold your place […]
Brian and Kayla walk you through how a groups policy is renewed here at ComPro.
Reminders: • Open Enrollment continues for purchasing individual and family health insurance policies for 2016. • If you have selected a plan with a new insurance company in 2016, be certain that your 2015 policy is cancelled at the end of the year. • Your new 2016 policy will not be activated until the first […]
Open Enrollment for individual and family health insurance plans continues through January 31, 2016. In our Open Enrollment Snapshot newsletter – is a snapshot graphic explaining: the routes to purchasing health insurance, the Individual Mandate, the 2015 Federal Poverty Table, information for Lancaster county and 2015 and 2016 penalties. 16. Read the newsletter here.
The cold weather is here to stay…well at least we think so. The days are shorter and the seasonal blues are starting to kick in. Here are 10 helpful tips to help combat the winter blues. The advice that we like best here in the office at ComPro is to “embrace the season!” This can be […]
What’s New? Currently, we are in the process of quoting January 1 renewals and all Assurant cases – regardless of their renewal date. You can expect to see these quotes within the next week. February 1 renewals will be released in early December and then we will begin quoting those. ComPro Business Newsletter
As more parts of the Health Care Reform act are implemented we are getting new complicated factors that people have to deal with. There will be many changes if you have an individual or family policy there will be many changes. Check out the video of Chris to get the scoop.
The details on renewing coverage through the Marketplace can be confusing. Chris shares steps and advice on how to ensure that you not only have coverage for 2015-2016 but that you have the most appropriate plan for you and your family.
We are starting week three of the annual Open Enrollment. Individuals and families can select a health insurance plan for next year from November 1, 2015 through January 31, 2016. An enrollment must be completed by December 15th to receive a January 1st effective date. Our best advice is to review all your options for next year…. Click to […]
When can you enroll in an individual health policy and what exactly is a Special Enrollment Period?
“Stress or the brain’s response to any demand- can be positive or negative; long-term or short-term; and major, according to the National Institutes of Health.” Here, in the office, especially during Open Enrollment, we can feel the effects of routine stress. One way we are working to manage our stress levels here at work is to […]
Open Enrollment for 2016 has begun. Individuals and families can select a health insurance plan for next year from November 1, 2015 through January 31, 2016. An enrollment must be completed by December 15th to receive a January 1st effective date. Our best advice is to review all your options for next year. The medical needs […]
When can Groups expect to see their rates for 2016?
Strictly Business November 2016 Open Enrollment for 2016 has begun. Individuals and families can select a health insurance plan for next year from November 1, 2015 through January 31, 2016. An enrollment must be completed by December 15th to receive a January 1st effective date. There have been changes in the companies that are available […]
With the business of holidays, Open Enrollment, and “old man winter” just around the corner, make sure you keep your immune system in tip-top-shape. We definitely our meeting chocolate quota from this Superfoods list! Read More from health.com.
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Employer group plans with renewal dates on January 1 should receive their new premium information no later than November 1st. For plans beginning in 2015, employers with 100 or more full-time-equivalent (FTE) employees were required to offer qualifying health insurance benefits or face penalties under the Employer Shared Responsibility provisions of the Affordable Care Act […]
Many small business owners have followed a practice of helping employees with the cost of individual health insurance policies rather than sponsoring an employer group health insurance plan. Employers would reimburse employees for some or the entire premium or would pay the insurance company on behalf of the employee. This has been a gray area […]
The months Strictly Business article sheds a unique light on the owners of ComPro. Did you know that Chris used to be the controller at KOLN/KGIN-TV? Do you know what Brian’s favorite local restaurant is and what was her biggest professional challenge? See you well you know Brian and Chris. Click Here
Premium Increases for Group Insurance in 2015. Recent news reports have disclosed that insurance companies have requested premium increases of 15% to 20% for most 2016 individual health insurance plans in Nebraska. Remember, this applies to individual / family policies. A visit to the Nebraska Department of Insurance website includes a link to healthcare.gov where […]
Individual Inbox Question: I just had a baby. What do I need to do about my health insurance? Answer: First of all, congratulations on the baby! State law in Nebraska requires an insurance company to provide health insurance coverage for the first month of a baby’s life. For coverage to continue beyond the first month, […]
Nebraska 2015 Marketplace Enrollment. About 11.7 million Americans selected plans through the Health Insurance Marketplaces as of February 22, the end of the “in-line” special enrollment period for 2015 Open Enrollment for individual market coverage. On March 31, 2015, about 10.2 million consumers had “effectuated” coverage which means those individuals paid for Marketplace coverage and […]
Strictly Business- June 2015 The US Supreme Court is expected to rule in June in the case of King vs Burwell. This is the second case to be heard by the high court regarding the constitutionality of the Affordable Care Act (ACA). Once again, this decision impacts key provisions of the law and will determine whether […]
The Solutions Team: Agent Representation ComPro is committed to Clients First. We work one-on-one with each client. This means finding health insurance solutions that satisfy their unique priorities. It also means being dedicated to quick and accurate responses to policy service or claims issues. The staff at ComPro will be knowledgeable as the market adapts and as the […]
Press Release Major Midwest Health Insurer Brings Innovative Health Coverage to Individuals and Families in Nebraska in 2016 Medica InsureSM Offers Open Access Network, Available in a Wide Range of Plans May 18, 2015 Minnetonka, Minn. — Innovative new health insurance products that feature an open access network will soon be available to individuals and family members […]
Prescription drug benefits provided by health insurance policies, particularly for small employer groups and individuals, continue to evolve as insurance companies strive to manage costs. • Typically, benefits for generic drugs provide much lower costs to the policyholder. • In comparison, the use of name-brand drugs frequently requires the payment of a prescription drug deductible […]
Your health insurance benefits, whether you have an employer group plan or a policy that you purchased yourself, have requirements concerning the doctors and hospitals that you use and the way that prescription drugs are covered. The NETWORK of providers and prescription drug FORMULARY are areas that insurance companies have changed as they look for ways […]
Health Insurance and Taxes UGH!! It’s tax time. The Affordable Care Act has linked our health insurance and our income taxes in new ways. Here are some guidelines: If your employer contributes to the cost of your health insurance: If your employer provides a group benefits plan that includes health insurance, you receive those […]
Brian was interviewed in this KLKN news story. Click here to check it out.
Thank you for your patience while the rehabilitation process continues regarding CoOportunity Health. We know this is a challenging time for you and your clients. Because it is important to continue to act in the best interest of your clients, please read this updated guidance based on information provided by the Iowa Insurance Division and […]
Message to our clients Our clients are our top priority. The ComPro staff is working non-stop to ensure that all of our clients will be helped. Keeping up with the challenges of the CoOportunity Health situation has created an unprecedented strain on our resources. And it is not only the ComPro staff that has been […]
NOTICE TO COOPORTUNITY HEALTH ENROLLEES AND HEALTHCARE PROVIDERS “On December 23, 2014, the Iowa Insurance Commissioner submitted a petition for an Order of Rehabilitation of CoOportunity Health. The Polk County District Court issued an order appointing Insurance Commissioner Nick Gerhart as rehabilitator of CoOportunity Health. Based on this action, the Nebraska Department of Insurance suspended the Certificate […]
We have all heard that sitting a lot is not good for us, now it is being termed “sitting is the new smoking.” This phrase may sound scary – but there are easy ways that you can counter-act the negative side effects. Try to stand up once an hour at work and just try to […]
Kayla and her family are ready for school, here are some fun, easy, healthy snacks to satisfy your kids hunger. Going back to school is an exciting time of year but can be expensive buying all new clothes and school supplies. This link shows the stores with the best deals. This link provides tips on […]
Protect yourself from the heat by knowing the warning signs of heat exhaustion- headaches, feeling weak or tired, vomiting, cramping, and getting nauseated. Check out Mayo Clinic’s website for more information how to protect you and your family from the heat.
Those who are traveling internationally should find out if their health insurance provides coverage while they are out of the country. Many insurance companies offer limited benefits when you are outside of the United States. IMG offers Travel Medical insurance that will supplement your current coverage.
2016 August Newsletter
Lower back pain plagues us all especially when we are a slave to our computer screen all week long at work. Back pain is ranked second to most causes of pain in the workplace – after headaches. Home treatments: Rest – on a firm mattress or lay on the floor. Apply Ice Get a Massage […]
You are always willing to talk and answer questions when they arise. That is service and your service is appreciated. - Connise K.
Melisa Haessler has had the patience of a saint guiding us through the new health care laws. - Cheryl O.
You helped me set up supplemental insurance when I turned 65... You are always there when I have a question. Excellent service. - Diane A.
Melisa Haessler was the consummate professional and very impressive in her expertise and customer savvy. She completely understood my needs. I will continue to recommend Melisa. - Shannon A.
We value our employees; we want to make sure that they are adequately covered in all possible areas. We partner with ComPro because they understand that we want nothing but the best for our team! Metalworks has covered the cost of both short-term and long-term disability coverage for our employees as well as sharing in the premium and deductible for medical and dental coverage. Metalworks has definitely made the perfect choice for our business and our employees. We can count on ComPro to deliver quality products through quality people! – Karen Ernesti, Metalworks, Lincoln NE
ComPro presents the value proposition for our health insurance. Brian can quote us the cheapest to most expensive but he works to find the most applicable product for us. He knows how to deal with the claims and coverage, and when it comes time to renew, he factors in responsiveness and coverage. It’s the value added with the experience in handling the different carriers. They’re very good at what they do and have been successful at it a long time. - Carl Applegate, Prime Rigging, Lincoln NE & Des Moines IA
Thanks for helping me decide on which insurance to get for my family, navigating the health insurance marketplace and your assistance when CoOpportunity went out of business. Chris worked with me for over an hour to get a new insurance plan. - Steve A.
Much appreciation for you all! Your expertise in guiding me (and others) through the process of health insurance gives me peace of mind. - K. Kelley.
I really appreciate your attention to details and how you have helped me to understand differences between insurance options and etc. Thanks! - Lisa B.
Awesome team work to help everyone that walks through your doors! - K. Kelley.
I attended your Health Care Reform Survival Training in Omaha a few weeks back, and honestly, it was one of the most informative sessions I’ve attended this year—so I thank you. - Beth S.
"Thanks for all you do with such a servant's heart." - Glenn & Peggy Miller
It is nice to do business with a company that can get things right. But I wanted to express my gratitude for all your hard work and patience, Melisa - because this time it paid off and you have a happy customer! J O'Donnell
Watching your video on special enrollments answered my question! I had to read through 7 pages into the forms that Airens sent out to find the small note about 60 days. Thanks! - Karen E.
"Hi Brian and Kayla, I talked to my daughter and she said you were able to help her get everything resolved with her billing issue. I truly appreciate you helping her with the appeal and all the time and effort you spent!! Thanks for providing great customer support to one of our employees! - Emily K.
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