Group Health Insurance

Having worked in imports and exports for some time, I had to trade with many markets world wide. I learned that the exports of direct insurance were blocked by national regulatory barriers in many...

When it's time to select new health insurance for your business, consider getting help from your employees. A health insurance committee offers a number of benefits to both your company and its...

Medical plans for small businesses can come in many forms depending on what a business needs and what is affordable. Medical plans can be purchased from a private insurer and can include a...

Red kidney beans are just one part of the kidney bean family. Kidney beans are considered high in fiber, which can help lower cholesterol. They can also help regulate blood sugar after a meal and...

Group health insurance is one of the most expensive items for employee benefits. Sometimes to save dollars, employers select inferior policies, increase deductibles to outrageous amounts or cut...

Business is about making more than you spend, and health insurance for employees is a big expense. Reducing your company's health-insurance premiums requires plenty of shopping around, progressive...

Preferred Provider Organization (PPO) and Health Maintenance Organization (HMO) are two types of managed healthcare systems that have many similarities and differences. Knowing and understanding...

The American Association of Retired Persons (AARP) promotes several insurance programs, through national providers, designed for seniors who are eligible for Medicare (age 65 or over). Sometimes...

COBRA stands for the Consolidated Omnibus Budget Reconciliation Act of 1986. The purpose of the act was to require employers that have a group health insurance plan to offer temporary coverage to...

There are many misconceptions regarding what qualifies as a "group" with regard to health insurance. Companies that would technically be able to apply for group benefits fail to do so simply...

Insurance is a contract between you the insured and a carrier willing to cover your risk. The company will take on your risk, and gives you a promise to pay your potential financial loss...

Homecoming is an event shared by high schools, colleges and universities. The homecoming celebration is the welcoming back of former students and teachers to the school. Homecoming celebrations...

TRICARE for Life (TFL) fulfills a promise made to those veterans, now retired, that the United States would provide for their health care after retirement for the duration of their lives. TFL...

Health or Medical insurance is defined as nsurance that covers the loss resulting from an illness or an injury. Health insurance is usually provided through an employer or has to be bought...

In this article I hope that my reader will learn how important life insurance is and also how important that the proper life insurance is. There are far to many people either uninsured or under...

Litigation is often the result of the failure of two parties to reach a mutually acceptable agreement. Insurance companies are the subject of much litigation due to the nature of the services...

It is often said a person has nothing if he does not have his health. Yet, every day people are neglecting to obtain the health care they need due to the increasingly high costs involved. Making...

A preferred provider organization (PPO) is a type of health insurance that creates contracts with various health care providers in return for sending patients to them. A PPO often can save...

Applying for a catastrophic health insurance plan is easy. Make sure you find the right plan, fill out the application correctly, and follow up.

Providing access to health insurance is a key benefit that most employers try to offer. It is one of the most important and sought-after benefits to potential employees. If you have a small...

Finding an appropriate health plan can be a challenge. Welborn Health Plans (WHP) provide a locally managed option for people who live in southwestern Indiana. The plans provide a combination of...

When you compare health insurance rates for a small business, there are many factors to consider. What sorts of plans do you as a business owner want to provide for your employees? How much do...

Employees are typically given a menu of options for health insurance. The level of coverage is driven by the premiums and the employee's healthcare needs. Many employee health plans are...

Health Savings Accounts (HSAs) are medical savings accounts that are available for anyone under 65 who is enrolled in a high deductible health plan (HDHP). You control the HSA instead of your...

If you've been told by a doctor that you need to lose weight or that you should adjust your diet because of concerns about diabetes or another condition, you may consider a trip to a dietitian....

Health insurance is necessary for anyone who wishes to avoid prohibitively high medical costs. While health insurance can be expensive, it protects you should anything go amiss with your health....

Health Reimbursement Arrangements (HRAs) are typically provided as part of health care benefit programs for employees; they are designed to cover the costs of certain types of medical expenses...

Most people don't understand what a deductible is and what purpose it serves in the world of insurance. So here is a bit of help. A deductible on a dental policy serves three purposes: a means to...

Health insurance coverage is an important for individuals to have regardless of how healthy or unhealthy they are. Medical bills can really add up, and even a single trip to the emergency room can...

Small business health insurance covers the medical needs of employees. It is also a great way to provide an additional draw for prospective workers. The cost of this insurance can be quite high,...

Health insurance contracts can be difficult to read and understand. Customer service representatives may not always provide correct or complete information. So how do you appeal a claim that is...

If your small business employs workers in different states, it may be hard to find group health insurance. Few carriers cover all 50 U.S. states. Many choices in terms of plans, rates, deductibles...

A comprehensive disability management program saves money for employers and provides better access to health care for employees. It also helps employees return to work quickly and develops...

Accuracy is paramount in the medical billing industry. Because many payors have specific guidelines for claim submittal, it's vital to implement and maintain a detailed billing compliance program.

You have probably heard this advice before: know your health insurance needs before you start shopping around for a health insurance plan. However, most people who offer this useful nugget of...

If you have avoided buying health insurance in the past because you did not want to deal with agents or because you wanted to be able to compare plans more effectively, then buying health...

Health-care costs keep rising ... and rising. They have become a major profit killer for many small businesses. Short of dropping coverage altogether, you cannot eliminate these major expenses....

Skyrocketing prescription-drug costs can destroy your benefit package and your bottom line. The average prescription cost went from $3.80 in 1970 to $68.50 in 2006. Fortunately, there is a lot...

Like most states, Illinois is struggling with what many call a "health-care crisis," meaning that its requirements for providing employee health coverage shift from year to year as reforms take...

Massachusetts recently instituted some of the strictest health care reforms in the country, requiring all residents to have health insurance. When providing employee health coverage, you must meet...

In small businesses, an employee health insurance administrator may be useful, but one is absolutely necessary in larger companies. With complex laws that differ in each state, you should hire...

While most people think of HMOs when it comes to copay health insurance, PPO plans also fit into this category. Both require copays for each office visit or prescription. When you put together an...

A preferred provider organization (PPO) combines traditional fee-for-service coverage and an HMO, which is a type of prepaid insurance. A PPO typically lets your employee choose his own doctor and...

An employee point-of-service (POS) health insurance plan combines a PPO and an HMO, offering more choices with minimal out-of-pocket expense. When you put together a POS plan for your company, you...

When you put together an employee HMO plan for your company's health insurance, you should find the carrier that offers the best coverage at a premium you and your employee can afford. Each HMO...

As the state slowly heads towards universal health care coverage, New York based businesses must meet new requirements for providing employee health insurance. By following the guidelines as they...

If you run a business in California and offer health coverage to your employees, you must meet all the California coverage requirements. As health-care reform continues, this will become even more...

You may have worked with an employee benefits broker when setting up and reviewing your company's employee benefits program. This is the person that markets plans, usually from a number of...

Browser hijackers are an increasingly common and annoying phenomenon of life on the Web. One of the most common and aggressive of these is the Cool Web Search hijacker. This is a malware program...

Several studies have shown that businesses that have implemented wellness programs have experienced more than a 15 percent return on their investment, along with a drop in their health insurance...