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States and a business group opposed to President Barack Obama’s health care overhaul asked the Supreme Court on Wednesday for a speedy ruling that puts an end to the law aimed at extending insurance coverage to more than 30 million people. The high court should strike down the entire law, not just the main requirement [...] When I first started out selling individual health insurance in 2002, most people would choose a $2500 deductible for their health insurance as representing the best combination of price and value. Many folks now are choosing $3500, $5000 or even higher deductibles. The deductible in health insurance is the amount you would have to pay [...] We have been receiving many inquiries into the new Colorado state law affecting maternity for individual health insurance plans. So, here are the details; Any NEW individual policy sold on or after January 1, 2011 must include maternity coverage. For any individual policy that is RENEWED on or after January 1, 2011, the maternity coverage begins [...] The 2011 Rugby World Cup is presently being contested in New Zealand from September 9th to October 23rd. This small nation of 4 million is hosting the planet’s third largest sporting event after the Olympics and the Soccer World Cup. These games are held every 4 years with 20 national teams competing. Starting in 1987, this [...] August and September mean peaches in Colorado. A firm, ripe peach has always been my favorite fruit, but I have often been disappointed with those that I have purchase in stores. Since moving to Colorado however, I have discovered fruit from our Western Slope. Each year at this time, we here on the Front Range [...] Coinsurance is the most difficult thing about a policy to explain to a client. Frankly, if the insurance companies eliminated this feature of their policies, they would do away with a lot of confusion, misunderstanding and resentment from their customers. Let’s see if I can explain it in simple terms: You select a deductible for [...] If you have been paying attention at all, you know that one of the basic pillars of the Obama administration’s Patient Protection and Affordable Care Act (Obamacare) may soon be challenged in the Supreme Court. What will be decided is if the federal government can require individuals to purchase health insurance or face a penalty. [...] I have received quite a few calls this year from single men complaining about the large increases in premiums they have received from their health insurance companies. Some have said the cost has jumped from the mid $100’s to over $200! This is due to new federal and state requirements that insurance companies must include [...] It doesn’t make sense, does it? Logic tells us that buying in bulk is more cost-effective. So when you take the purchasing power of a group of people, you would expect to negotiate a better premium price per person for health insurance than that of an individual trying to purchase coverage. But health insurance doesn’t [...] The March 2009 Federal COBRA subsidy that mandated employers cover 65% of COBRA premiums for employees who were involuntarily terminated between September 2008 and May 2010 for a period of up to 15 months is coming to an end. The last group of eligible recipients (those who began receiving assistance in May 2010) will [...] |
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