You helped our daughter, Rebecca, find health insurance. We went to Europe and wanted to be sure she got what she needed, so we suggested she contact you. Thanks for doing a great job – again! – Emily K.
What is Telehealth, Tele-Medicine, Virtual Medicine? It is a service offered by the insurance carriers that became available on January 1 2016.
Brian and Kayla walk you through how a groups policy is renewed here at ComPro.
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?
Health insurance is the most requested employee benefit, and a quality plan can help retain & attract good employees. That said, it can be an expensive undertaking for a business. With our experience and knowledge we can design a plan that offers valuable benefits to your employees while maintaining affordability for the employer. Don’t continue to lose good employees because you think you can’t afford health insurance!
This is a growing issue with the low unemployment rate that Nebraska is currently experiencing.
A Summary Plan Description (SPD) and Summary of Benefits of Coverage (SBC) are different documents required by the ACA. The SBC is a document intended to help people understand their health coverage and compare plans. The SBC must be provided to all eligible employees. The SPD is the main vehicle for an employer to communicate plan rights and obligations to participants and beneficiaries. The SPD must be provided to all enrolled employees.
An out-of-network provider has the right to charge you the full-billed amount instead of accepting the discounted rate that in-network providers accept. However, we will negotiate with the ambulance provider and ask them to accept a lesser amount than the full charge, even accepting payment for the in-network rate as payment in full. Give us a call and we will help you through this process.
Typically your plan will extend to employees in other states using a wrap around network. Provider networks are usually reginal but the wrap around network can provide nationwide coverage. Check your ID card for network information or call Kayla. Your Plan may offer a national or regional network.
This is not an unusual situation for doctors offices and pharmacies to deal with at the beginning of the year. Call ComPro we will help you get the information that is necessary for you to go ahead and get your medical services taken care of.
Closely check into the benefits for your health plan’s Pediatric Dental coverage before you cancel the dental insurance. Most health plans don’t cover any pediatric dental benefits until the health plan’s medical deductible is met. You will likely get much better benefits through the dental insurance policy, at least until you meet the deductible on your health insurance.
ACA plans are not always more expensive. Even though they include benefits like maternity coverage and pediatric dental, those plan designs and rates should be considered. The ACA compliant plans can be less expensive for groups that have an older population or high claims experience.
The employee can keep their individual policy but there may be consequences depending on the policy type. If the employee receives premium tax credits and the group policy meets the affordability test they are no longer eligible to receive the premium tax credits and will be responsible for the full premium amount of the individual policy. If the employee does not receive premium tax credits they are free to keep the existing policy without negative consequence.
Under IRS Notice 2013-54 these arrangements are considered an employer payment plan and do not satisfy the reforms under the ACA. Such arrangement can subject the employer to an excise tax of $100 per employee per day. The IRS issued Notice 2015-17which provided transitional relief from the penalties, through June 30, 2015, for small employers that had continued to offer such plans. With the expiration of the transitional relief the penalties are now in effect. Please refer to your tax preparer for additional information.
Children can stay on their parent’s policy through age 26 regardless of school status, marriage, employment status or financial dependence on parents.
All policies include first dollar Preventive Care benefits, which means FREE to you. As long as the visit is billed as Preventive by the physician’s office and falls within the approved category you will have no charge.
An increase in premium is not a qualifying event. That employee will have to wait for Open Enrollment.