Over the past couple of weeks, you may have seen in the news that many individual and family health insurance policies were set to be cancelled across the country as a result of healthcare reform. The reason that these policies were going to be cancelled was because they do not conform to new healthcare reform […]
Welcome back to another edition of “Phrases Made Easy.” This series at our blog aims to help make all of those long, drawn-out insurance phrases easier to understand. One thing we notice when talking about health insurance (and health benefits in general) is that the concepts can be “wordy” and boring. We emphasize fixing that […]
Welcome back to another edition of “Benefits Chalk Talk.” In this series at our blog, we provide you with valuable, up-to-date, relevant information about health benefits planning so that you can put the things in place that make the most sense for yourself or your company. At Policy Advantage Insurance Services, we feel that informed consumers […]
Today’s blog post is about Covered California’s “Certified Insurance Agents.” As you know, the new state health insurance marketplaces recently opened up for enrollment on October 1st, 2013. The marketplace in California is called Covered California. With the opening of these marketplaces, a number of new ways to enroll in an individual health insurance plan […]
Welcome back to another edition of “Benefits Chalk Talk.” In this series at our blog, we provide you with valuable, up-to-date, relevant information about health benefits planning so that you can put the things in place that make the most sense for yourself or your company. At Policy Advantage Insurance Services, we feel that informed consumers […]
On October 1st, 2013, the new health insurance marketplaces will open for enrollment across the country for the first time. These new marketplaces (or exchanges) were a major component of the Affordable Care Act (also known as Healthcare Reform, Obamacare, etc). The main objective of these exchanges is to extend coverage to those who cannot […]
Welcome back to another edition of “Benefits Chalk Talk.” In this series at our blog, we provide you with valuable, up-to-date, relevant information about health benefits planning so that you can put the things in place that make the most sense for yourself or your company. At Policy Advantage Insurance Services, we feel that informed consumers […]
Hi, and welcome back to another blog post here at Policy Advantage Insurance Services. Today we’re explaining the concept of the insurance broker, and how a broker can benefit you as an individual or business. As explained in one of our past blog posts: “5 Reasons to Give Yourself the Advantage,” we described the different ways […]
F is for: “Full Time Equivalent Employee” Full Time Equivalent Employees (FTE): are employees who do not work full-time (defined as 30 or more hours per week) in your business or organization, but do count towards the full-time equivalent employee count. In other words, YES… part-time employees do count towards your overall employee grand total. “Full Time Equivalent Employees” is extremely […]
Today’s blog post is about the insurance exchange notices that need to go out to employees of nearly all employer groups in the United States. The Department of Labor is calling this correspondence the “model notice.” It contains information about the upcoming health insurance marketplaces. There are provisions in the healthcare reform bill that were […]