Healthcare Advisor

How to Save Money on Health Care

How to Save Money on Health Care

As health care costs continue to rise, it is increasingly important that you take an active role in decisions about your health, the care you receive and your health plan. Here are some tips to help you get the most for your money. At the Doctor’s Office Make a list of your questions, symptoms or concerns before a visit to a clinic or doctor’s office. Use this as a checklist to be sure you address all of your issues—the fewer appointments you have to make, the less money you’ll spend:... Read More

How to Choose Quality Health Care

How to Choose Quality Health Care

There are many health plans to choose from. How do you know the health plan you’re choosing has quality providers? The tips below will help you to choose quality health care. Choosing a Health Plan Your health plan affects many things: How much choice you have in your health care providers What kind of care you receive Where you will receive your care How much you will pay for your care For this reason, if you have a choice of health plans, it is vital that you evaluate them carefully... Read More

The Ideal Family Medicine Cabinet

ideal family medicine cabinet

Home medicine cabinets are an integral part of a family’s home, because they help your family through illness and injuries; it is important to keep your medicine cabinet up-to-date and organized to meet your family’s medical needs.   Every home medicine cabinet should be equipped with basic medications for an effective home care system. Here is a list of essential medications for your home: Pain relievers and fever reducers Decongestants and antihistamines Sore throat lozenges Antacids Anti-diarrheal medications Laxatives Anti-fungal skin creams Bandages and antiseptic cream or spray Electronic thermometer... Read More

What You Need to Make Health Insurance Enrollment Easier

Make Health Insurance Enrollment Easier

Individual health insurance enrollment is open from November 15th to January 15th. It’s time to decide whether you’ll stick with last year’s plan or whether you want to switch plans or insurance companies. Whether you decide to stay put or whether you’re making a change this year, your health insurance enrollment will go much more smoothly, if you gather a few things before you get started. While you may not necessarily need every item on this list, you’ll need most of them—and if you have them all—you’ll definitely be prepared... Read More

Why You Need to Use a Broker to Buy Health Insurance

use a broker to buy health insurance

Since the passage of the Affordable Care Act, also known as Obamacare, everyone needs to have health insurance. If your employer doesn’t provide health insurance, you will need to buy a policy for you and your family. There are many ways to buy insurance policies and there are many policies to choose from. How do you sort through all the health plans and know that you are getting the right one? Why not make it easy? This is where an insurance broker comes in. An insurance broker can act as... Read More

The Health Insurance Marketplace is coming soon. Let Roper Insurance help!

The Marketplace is a new way to find health coverage that fits your budget and meets your needs. With one application, you can see all your options and enroll.When you use the Health Insurance Marketplace, you’ll fill out an application and learn whether you can get lower costs on your monthly premiums for private insurance plans. You’ll find out if you qualify for lower out-of-pocket costs. The Marketplace will also tell you if you qualify for free or low-cost coverage available through Medicaid or the Children’s Health Insurance Program (CHIP). Open enrollment... Read More

Health Exchanges Behind Schedule Still May Be Affordable

By Alex Wayne and Alex Nussbaum – Jun 19, 2013 The price for health coverage bought through the Affordable Care Act’s online exchanges appears to be cheaper than some of the most dire predictions. That’s assuming the U.S. government can get the new marketplaces ready in time. Proposed monthly premiums in nine states for the benchmark level of medical coverage are less than congressional estimates, according to a study today from Avalere Health, a Washington-based consulting company. The analysis is muted by a Government Accountability Office report also released today... Read More

8 questions for small businesses considering subsidies

If you’re a small business, would you qualify for the tax credit available under the Patient Protection and Affordable Care Act? You bet you would. Here’s a small business health care tax credit Q&A from the IRS, with a little extra tossed in by the editors at BenefitsPro.com, that should help: Q. Who is eligible? A. Assuming you contribute 50 percent or more toward employees’ self-only health insurance premiums, a qualified employer must: have fewer than 25 full-time employees or a combination of full-time and part-time (for example, two half-time... Read More

Colorado’s health insurance exchange strips goals to minimum as deadline looms

Colorado’s health insurance exchange is stripping its opening-day goals to a minimum as complex deadlines loom for delivering software, training “navigators,” forging vital links to IRS records and crafting an ad campaign. Between 100,000 and 150,000 Coloradans are expected to use the exchange beginning Oct. 1 to sign up for subsidized health insurance plans promised by “Obamacare.” To sign up thousands and deliver policies taking effect Jan. 1, the exchange must devise seamless ways to check federal income records, Medicaid eligibility and state insurance regulations. “The first release of the... Read More

Department of Health & Human Services Moves to Delay Offer of Plan Choices for Small Firms

The U.S. Department of Health and Human Services (HHS) issued a proposed rule delaying by one year, until 2015, a requirement that government-run health insurance exchanges offer small businesses and their employees the opportunity to select among competing plans through health care reform’s Small Business Health Options Program (SHOP). HHS cited administrative delays that will prevent the exchanges from meeting the original deadline for including SHOP options. The exchanges are intended to be available by October 2014 for plan year 2015. The proposed rule was published on March 11, 2013,... Read More