Tag : affordable-health-insurance

Sean Sheffer Health Insurance Scams: An Investigation Part 3

Concluding the look into so-called "health insurance" plans, here's the confrontation into tackling these deceptive schemes.

The bottom line: We provide real health insurance plans, designed to protect you in your health and finances. Don't ever hesistate to ask us questions, our doors are open!

Chris Hansen meets up with Maria, a telemarketer who was recorded by Dateline's hidden cameras as she decieved customers about health plans she was selling. And now, at least two states are taking action. 

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Sean Sheffer Health Insurance Scams: An Investigation Part 2

Continuing the investigation into a world where companys exploit those in need of real, affordable insurance plans, we take a deeper look into the terminolgy and manipulative ways theses callers use to sell you anything but a major medical health insurance plan. 

Chris Hansen and the investigative team at MSNBC go undercover - who's really on the other side of the line? 


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The next time you're suspicious of a call - give us a ring, and we'll be happy to shed light and educate you on ...

Sean Sheffer Health Insurance Scams: An Investigation

If you're part of the 50 million Americans struggling without health insurance - we know that resources are scarce, and it takes tremendous responsibility to get through. 

Don't fall victim to these health insurance scams, as Keith Moore and Renee Jones realized only too late.

If you have questions on any health insurance plan that seems too good to be true - give us a call immediately. Period. 

Keith Moore and Renee Jones were like 50 million other Americans without major medical insurance. So when they heard about a plan they thought was comprehensive insurance at an affordable cost, they ...

Sean Sheffer Is Your Health Insurance Rebate Check in the mail?


Are you familiar with health insurance rebates? Check out this post, health insurance rebates, to freshen up, as you may have just received a little something in the mail today.

The rebates were due to you August 1st, and are part of a slew of changes in the Affordable Care Act, outlining the Medical Loss Ratio.

Want to find out if your health insurance provider made/didn’t make the cut? Check here.

This 80/20 ratio states that all health insurance providers providing individual plans must allocate at least 80% of all expenditures towards health care costs and ...

Sean Sheffer Changes in the Expected Number of Insured under Health Reform

33 million Americans. What’s in a number? This was the amount of Americans projected by the Congressional Budget Office expected to receive coverage in 2014 in the Affordable Care Act, via health insurance exchanges, the individual health insurance mandate, small-business tax credits, and the expansion of Medicaid.

That was, until the political outcry from various states and businesses forced the bill through the eye of needle – the highest court in the country, SCOTUS. The threads of the bill made it through the nine justices – and the infamous individual mandate debate, coveted as a tax. But when all speculation focused ...

Sean Sheffer What is the Effect of the Mandatory Essential Benefits on Premiums?


The Department of Health and Human Services released a report on what the essential benefits health plans must include by 2014. A summary of the report can be read here.

To summarize the effects that this mandatory package will have on your premiums, consider this quote:

“HHS cannot both make the plans extremely generous, and also make them affordable so that they cover millions more Americans. Those goals contradict one another.”

- Jonathan Gruber, an MIT economist who helped design health care reform in Massachusetts, and a strong supporter of the original Obama bill.

Shawn Tully, editor at large with Fortune ...

Sean Sheffer Are You Aware of the Premium Tax in the Affordable Care Act?


There are many factors that attribute to rising healthcare costs, but you’ve probably never heard of this one.

 As reported by America’s Health Insurance Plans, the Affordable Care Act imposes a new sales tax on health insurance. Beginning 2014, the tax will start at $8 billion and rise to $14.3 billion in 2018. It is calculated that by 2019, the tax will impose $73 billion on individual, small businesses and seniors in the form of a sales tax on health insurance. After 2018, the new tax will increase annually based on premium growth.

How does this premium ...

Sean Sheffer How Popular Are High-Deductible and Consumer Driven Health Plans?


Compared with traditional health insurance plans, high-deductible health insurance plans with health savings accounts, are a relatively new strategy to save on your health insurance.

High-Deductible health insurance plans involve increasing your deductible – the amount you have to pay for approved medical services before your insurance kicks in to pay 100% of your health costs. By increasing your deductible, you can reduce the amount in your monthly premium each month – a set amount determined by your health insurance provider and plan.

Another strategy is to take part in Health Savings Accounts, if your health insurance plan let’s you take ...

Sean Sheffer Final Rulings Released on the Medical Loss Ratio


Do you know how your health insurance provider spends the funds it receives from your monthly premium?

On Dec. 2nd, the Department of Health and Human Services issued a final ruling on the medical loss ratio rule, requiring health insurers for individuals and small groups to spend at least 80 percent of their premiums to pay for medical services or on other activities that improve health care quality.

What is the Medical Loss Ratio?

The MLR is a provision of the Affordable Care Act that requires insurers to allocate their funds between medical claims, improvements, administrative costs and profits ...

Sean Sheffer The Challenges of Individual Health Insurance for Young Adults

There comes a time after we graduate from high school – a time where we have to stand up for ourselves, move on to the real world. This is a time of uncertaintly of what career to pursue, our financial independence, and a question of our future - a time where we are young adults.

Now according to a population study by the Employee Benefit Research Institute (EBRI) released in 2007, young adults, which ages include 19-25, are most likely to be uninsured. Why is that? Well it’s a combination of many factors.

Let’s take a look, a young adult ...

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