Tag Archives: insurance company

IPA Family Announces the Addition of SureBridge Insurance Products


Tampa, Fl (PRWEB) July 30, 2014

IPA Family, LLC, which is a member of The IHC Group, is excited to announce the addition of SureBridge supplemental insurance product solutions* to its expanding marketplace offerings. SureBridge supplemental insurance program is underwritten and administered by Chesapeake Life Insurance Company and currently offer up to 19 different products in 46 states nationwide.

IPA Family President and Chief Operating Officer David Keeler commented, “With the passing and implementation of ‘Obamacare,’ a.k.a. the Affordable Care Act (ACA), adding the SureBridge programs in conjunction with the supplemental insurance products we already provide through our internal IHC insurance carriers positions us to better serve the current and future needs of our ACA customers.”

IPA Family is proud that it is able to offer ACA compliant plans through some of the largest and most reputable insurers in the country. The SureBridge partnership will add vision insurance, critical accident, quick issue life insurance, non-insurance wellness products, and other solutions to the IPA Family product portfolio. Additionally, IPA Family represents three health insurance carriers through The IHC Group, which provide coverage for short term medical, critical illness, dental, fixed indemnity plans and its new Metal Gap supplemental series.

Keeler also added, “This special relationship allows us to collaborate with highly reputable industry leaders and, even more importantly, it provides us with the ability to equip our current sales advisors with enhanced solutions to market in states where we currently have no presence at all. As a result, we have immediate opportunities for high-level leaders who are willing to connect, invest and grow along with us.”

All sales advisors for IPA Family are licensed insurance producers. For more information about leadership opportunities with the organization, contact Dave Keeler to schedule an interview.

*Supplemental insurance products are not considered minimum essential coverage under the Affordable Care Act.

About IPA Family, LLC

IPA Family, LLC (IPA) is an established national marketing organization with a growing consumer direct sales agency numbering several hundred agents who distribute family and individual major medical insurance plans and ancillary products (including short-term medical, vision, dental, supplemental fixed indemnity limited benefit, critical illness, and hospital indemnity, and small group stop-loss) for The IHC Group, an organization of insurance carriers and marketing and administrative affiliates and the majority owner of IPA. In addition, it has begun to write major medical through well-known national insurance companies. IPA’s trained professional sales associates provide information and a product portfolio that can meet the needs of many small business owners and self-employed individuals and families. Headquartered in Tampa, Fl., IPA is accredited and has an excellent reputation with the Better Business Bureau (bbb.org).

About The IHC Group

The IHC Group is an organization of insurance carriers and marketing and administrative affiliates that has been providing life, health, disability, medical stop-loss and specialty insurance solutions to groups and individuals for over 30 years. Members of The IHC Group include Independence Holding Company (NYSE:IHC), American Independence Corp. (NASDAQ: AMIC), Standard Security Life Insurance Company of New York, Madison National Life Insurance Company, Inc. and Independence American Insurance Company. Each insurance carrier in The IHC Group has a financial strength rating of A- (Excellent) from A.M. Best Company, Inc., a widely recognized rating agency that rates insurance companies on their relative financial strength and ability to meet policyholder obligations. (An A++ rating from A.M. Best is its highest rating.) Collectively, the companies in The IHC Group provide insurance coverage to more than one million individuals and groups. For more information about The IHC Group, visit http://www.ihcgroup.com.







Baby Boomer Community Could Stand to Lose Millions, If Not Well Informed on Medigap Plans and Healthcare


(PRWEB) July 17, 2014

Millions of individuals will turn 65 this year, and start their Medicare Part B. Turning 65 triggers the clock on the time seniors have to get their medicare supplement insurance plan without having to go through underwriting.

It is best for customers to buy a medicare supplement policy when they are first eligible because this “open enrollment” period allows the consumer to secure a plan without medical underwriting. Medical underwriting is when an insurance company reviews an applicant to make sure they are a “good risk” under the company’s acceptance protocol. This process includes thorough physicals, interviews and other tests that often eliminates people with even the most minor medical conditions making it difficult to acquire a plan.

Many people don’t realize they have limited time to get this coverage, without underwriting. They often find themselves in a situation where they have missed their window and can only apply for medicare supplemental insurance with a company that will make them go through the full underwriting process. If a person is ill or has standing conditions that would keep an insurance company from insuring them under their insurance policy, they surely would not want to miss an opportunity to get coverage without underwriting.

There are various incidents each day where seniors receive medical bills in excess of $ 4,000 with no way to pay for them. These people are now being denied supplemental plan coverage for current health issues in addition to already owing copious amounts for past medical expenses.

The insurance companies want save themselves money by insuring low-risk, healthy, individuals who will not likely need medical help. Being in this condition is the ideal time to acquire a plan, but when in perfect health, medicare supplement insurance coverage is not always a top priority, and often then circumstances of being over 65 does not place many people in an ideal state of health.

1-800-MEDIGAP compiles the best plan options and helps to remove the time consuming hassle of shopping around for a plan. 1-800-MEDIGAP has professional agents that are knowledgeable, insightful, and ready to give guidance on which plan options are best for specific situations. People shopping around for plans could spend hours trying to compare supplemental insurance plans on their own. 1-800-MEDIGAP is here to make the insurance search smother and less time consuming. No matter what insurance carrier a consumer chooses to go with, the facts are the facts. Don’t miss your opportunity to sign up for medigap supplemental insurance today.

Take advantage of the benefits of entering the golden age of over 65 and know what is available. Get the facts here.







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Healthcare Self-Management Accelerated with Personalized Customer Dashboard


Colorado Springs, Colo. (PRWEB) June 10, 2014

CodeBaby, a leading intelligent virtual assistant (IVA) technology provider for healthcare insurance companies and providers, announces its next generation healthcare dashboard: Insyte. This unique customer healthcare solution will be introduced at AHIP’s Institute 2014 conference in Seattle June 11-13.

From the first day of the challenging 2014 enrollment period, CodeBaby has been better engaging consumers and gleaning firsthand information. One insurance company’s consumer-direct portal with a customized CodeBaby avatar went live the day Obamacare kicked off, making it one of the longest running consumer direct experiences tracked thus far. Statistics are early, but indicative.

This has uniquely positioned CodeBaby to have invaluable insight into the real needs of consumers and providers, as well as forecast healthcare technology trends for 2015.

Driven by this insight, the next generation CodeBaby Insyte gives consumers comprehensive visibility and “what if” scenarios to make informed decisions by providing a deeper understanding of their individual health picture. Payers can now provide this to their customers with the ability to serve up personalized data from multiple data sources into a single unified, interactive experience.

“Our customers anticipate a vital competitive advantage to providing consumers with greater visibility and control of their healthcare,” says Dennis McGuire, CEO of CodeBaby. “Having experienced reduced costs and increased consumer engagement during the 2014 enrollment period, they expect even more benefits by putting exactly the information consumers need at their fingertips. Items such as plan details, claims, health data, prescription refills and much more can be accessed in one place, allowing plan customers a clear view of their specific situation.”

Forrester researcher Skip Snow, who covers the Health IT space for CIOs, confirms that consumers and patients want more control and visibility into their healthcare choices. In his April 9 blog post, Snow indicates the new federal healthcare IT framework will require more health information data exchange, electronic access to clinical results, (online) medication management and electronic communications between patients and healthcare payer or provider networks.

CodeBaby has a proven ability to forecast demand and proactively deliver vital capabilities in the burgeoning movement of advocating for patients’ involvement in their own healthcare decisions. The company was awarded the 2013 Industry Innovator “Superstar” Award by The Institute for HealthCare Consumerism (IHC) for providing solutions to pressing health and benefit issues.

“CodeBaby brings a deeply engaging interaction between health and benefit companies and their end users, ensuring their customers and employees are able to take fully informed action,” said Douglas N. Field, CEO of The Institute of HealthCare Consumerism. “In a space that is undergoing tremendous transformation, this type of innovation drives improvements in healthcare consumerism.”

Demand for patient self-advocacy is a natural offshoot of the healthcare exchange environment, which is here to stay. CodeBaby’s rapid-response via Insyte provides customers with the capabilities to answer this urgent need and remain highly competitive.

About CodeBaby: CodeBaby is a global customer engagement and leading intelligent virtual assistant (IVA) technology provider founded in 2001 by two Canadian physicians turned gaming entrepreneurs (former CEOs of Bioware and executives of Electronic Arts). Leveraging emotional engagement and gaming expertise, CodeBaby’s solutions drive engagement and retention for Fortune 500 customers within healthcare, financials, banking, and eCommerce. CodeBaby was recently named a 2013 IHC Superstar Award Winner for providing innovative solutions in healthcare consumerism and benefits enrollment. Visit our website: http://www.codebaby.com or follow us on Twitter: @CodeBaby.







Medica Workshop on Medicare

Medica Workshop on Medicare
Event on 2014-07-21 18:00:00

CHOOSING A MEDICARE PLAN

CAN SEEM COMPLEX.

 

I can help you understand your options at a

FREE Medicare Workshop.

 As you approach your 65th birthday, there are many things to consider when making decisions about your health plan coverage.  I would like to invite you to attend a FREE Medicare Workshop where you will receive easy-to-understand information about Medicare and your options as a beneficiary.

 

You will also have the opportunity to learn about the Medicare plan options available from Medica.®  Because Medica has a range of affordable and comprehensive plans, it is easy to find one that fits your needs and your budget.

Sincerely,                                                                       

                   

Benjamin Rischall, LUTCF, CLTC                                           

Licensed Insurance Agent                                                             

763-971-9218                                                          

                     

At this meeting, Medica Prime Solution® (Cost) and/or Medica Clear Solution™ (PPO) will be discussed.  A sales person will be present with information and applications.  For accommodation of persons with special needs at sales meetings, call Medica’s Center for Healthy Aging™ toll-free at 1-866-458-8835, 8 a.m. to 8 p.m. CT, 7 days a week.  TTY users, please call the National Relay Center at 1-800-855-2880.  Access to representatives may be limited on weekends and holidays during certain times of the year.

 Medica is a Cost and PPO plan with a Medicare contract.  Enrollment in Medica depends on a contract renewal. ©2013 Medica. Medica® and Medica Prime Solution® are registered service marks of Medica Health Plans. Center for Healthy Aging™ is a service mark and Medica Clear Solutions™ are service marks of Medica Health Plans.  “Medica” refers to the family of health plan businesses that includes Medica Health Plans, Medica Health Plans of Wisconsin, Medica Insurance Company, Medica Self-Insured, and Medica Health Management, LLC.  Y0088_3412 CMS Accepted                                 CHA8801-700613

at Crystal Community Center
4800 Douglas Drive
Minneapolis, United States

IHC Specialty Benefits Announces Record Visitor Traffic on healthedeals.com During First Half of 2014


Minneapolis, Minn. (PRWEB) June 25, 2014

IHC Specialty Benefits is excited to report the latest analytics from healthedeals.com, comparing website traffic between January 1-May 31, 2013 and the comparable period in 2014. The number of site visitors to healthedeals.com jumped 1,166% during such period. While health insurance product pages accounted for a majority of visits, articles and blog posts on healthedeals.com accounted for 25% of traffic alone.

How to Calculate your 2014 Obamacare Tax Credit was the runaway article, responsible for over 5% of all visits, and Your Guide to the Federal Poverty Level collected nearly 4% of all traffic. The Health Care Calculator came in third with almost 3% of traffic. Other top ranking articles included:

1. How the Affordable Care Act Will Impact Individual Premium Rates in 2014

2. 4 Top Apps for Organizing Your Medical Records

3. 10 Things to Know About Obamacare in 2014

“At the end of March, as open enrollment on the federal health exchange was set to close, healthedeals.com web traffic spiked,” said Brian Dow, Chief Operating Officer of IHC Specialty Benefits. “People are craving information and tools to make a decision about purchasing health insurance, which can be a complex process.”

Dow continued, “The analytics show that we are accomplishing what we originally set out to do. Our mission is to provide health insurance and supplemental products to individuals and families across the nation. Our goal is to be the leading health insurance resource for useful information, simple tools and quality products.”

About IHC Specialty Benefits, Inc.

IHC Specialty Benefits is a full-service marketing and distribution company that focuses on small employer, individual and consumer products. Products are marketed through general agents online, telebrokerage, advisor centers, private label and directly to consumers.

About The IHC Group

The IHC Group is an organization of insurance carriers and marketing and administrative affiliates that has been providing life, health, disability, medical stop-loss and specialty insurance solutions to groups and individuals for over 30 years. Members of The IHC Group include Independence Holding Company, American Independence Corp., Standard Security Life Insurance Company of New York, Madison National Life Insurance Company, Inc. and Independence American Insurance Company. Each insurance carrier in The IHC Group has a financial strength rating of A- (Excellent) from A.M. Best Company, Inc., a widely recognized rating agency that rates insurance companies on their relative financial strength and ability to meet policyholder obligations. (An A++ rating from A.M. Best is its highest rating.) Collectively, the companies in The IHC Group provide insurance coverage to more than one million individuals and groups. For more information about The IHC Group, visit http://www.ihcgroup.com.







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Does anyone in my family have to apply for Obamacare?

Question by Daryle: Does anyone in my family have to apply for Obamacare?
[Yes, I know that “Obamacare” isn’t a Health Insurance Program, but a mandate to find your own. But no one is going to search for that.]

I’ve heard that there’s a tax that is un-waived if you don’t comply with Obamacare, so I’m wondering who isn’t covered in my family so we can make the deadline if needed.

* Me: in state-run health program. Got notice that my (and everyone else’s) annual review will be delayed by 3 months since the state plans will mesh with Obamacare. So I figure I’m covered for next year, but what about now?
* Brother #1: works as janitor in a casino. I guess his employer health insurance means he’s covered.
* Sister: works as medic in the U.S. Army. I guess she’s already covered by a military health insurance.
* Brother #2: had job only in the first half of this year; been collecting unemployment insurance on and off ever since. He’s the one that I’m worried about.
* Mother: retired for decades; elderly and been doing the annual Medicare sign-up for many years. I guess she’s already covered.

Who, if anyone, needs to take further action to avoid any Obamacare penalty?

Best answer:

Answer by H
If you don’t buy health insurance from the healthcare.gov website, your state health insurance website or froman individual insurance company and you don’t have Medicaid or Medicare, you have to pay a fine.

Don’t “figure” you are covered. You need to call them and ask.

If your brother has insurance through his employer, then he has insurance and is obviously covered.

If your sister gets insurance through the military, then obviously she is covered.

Your brother will know whether he has health insurance or not. It’s not hard to figure out. Either you pay the bill every month and have a card….or you don’t.

Your mother has Medicare which is health insurance. She is obviously covered.

This isn’t complicated. If you don’t have health insurance (and you will know if you don’t have it because you have to pay completely out of pocket every time you see a doctor or go to the ER), you will be penalized. The price depends on income. See the healthcare.gov or your state health insurance commissioner website for more details.

What do you think? Answer below!

Jupiter Medical Center’s Physicians Use Innovative Technology To Keep Up-To-Date On Patients Care


Jupiter, FL (PRWEB) March 22, 2014

Physicians at Jupiter Medical Center, who are participating in the Palm Beach Accountable Care Organization (ACO), are piloting an innovative technology called “MicroBloggingMD” created by M2 Information Systems, Inc. This technology allows physicians to receive secure emails and text message alerts when Medicare beneficiaries, enrolled in the ACO, have any encounter at Jupiter Medical Center including the ER and Urgent Care Center.

MicroBloggingMD provides doctors with ‘real-time’ patient status updates instead of learning about them hours or days later. Example notifications may include admissions, discharges, consult requests, radiology reports and labs. In addition, various clinical information is sent directly to the physician to speed up the diagnosis and treatment process.

With their clinical automation, MicroBloggingMD reduces texting demand thus improving accuracy and efficiency for hospital staff. The speed at which the information is received may improve outcomes for patients, while reducing cost for the hospital, insurance company and ultimately the patient. This secure and HIPAA-compliant messaging also spurs collaboration among doctors, another benefit to the patient.

“MicroBloggingMD offers physicians a safe, secure and efficient way to communicate in a HIPAA-compliant manner,” said Irma Lopez, MD, Internal Medicine, Palm Beach ACO Member, who has been testing the MicroBloggingMD application since August 2013. “We can communicate to our staff and stay ahead of our patients’ care if they have any urgent labs or need to be scheduled for a follow up appointment.”

Dr. Lopez is currently using MicroBloggingMD to receive notifications on patients discharged from Jupiter Medical Center within 24 hours after leaving so she can track her patients and schedule follow-up appointments to ensure her patients remain healthy and avoid readmissions. Dr. Lopez is also using this technology to receive alerts on patients with critical labs to help diagnose patients quickly. Dr. Lopez can receive these alert securely on her mobile device and can respond without waiting for a nurse to call her.

About M2

M2 Information Systems, Inc. is a healthcare information technology & service company based in the Pacific Northwest. The knowledge gained from years of delivering progressive products and premier customer service has coalesced into our flagship application MicroBloggingMD. Through an OEM relationship, and software licenses, M2 products are installed in hundreds of US hospitals. Additional information is available at: http://www.microbloggingmd.com or (800) 598-6647.

About Jupiter Medical Center

A not-for-profit 283-bed regional medical center consisting of 163 private acute care hospital beds and 120 long-term care, sub-acute rehabilitation and Hospice beds, Jupiter Medical Center provides a broad range of services with specialty concentrations in oncology, imaging, orthopedics & spine, digestive health, emergency services, lung & thoracic, women’s health, weight management and men’s health. Founded in 1979, the Medical Center has approximately 1,500 team members, 575 physicians and 640 volunteers. For more information on Jupiter Medical Center, please call (561) 263-2234 or visit http://www.jupitermed.com.

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Obamacare Catastrophic Plans Extended to Noncompliant Cancellations

obamacare catastrophic plansIn November, millions of Americans received cancellation notices from their insurance companies, saying their current plans were not in compliance with the provisions mandated by the Affordable Care Act. Now, just days before the enrollment deadline for a January 1, 2014 effective date, the White House has included the people affected by these cancellations as eligible for exemption from the individual mandate.

Alternatively, the administration also extended catastrophic plan eligibility to the Americans whose policies were cancelled by their insurance companies for noncompliance. These plans were originally only available to young adults between the ages of 18 and 29. Obamacare catastrophic plans do not cover many of the benefits included in other plans sold through the health insurance exchanges.

Change Not Well Received by Opponents

Many people against the Affordable Care Act, including Republicans, said the most recent change allowing more people to enroll in Obamacare catastrophic plans would further destabilize the insurance industry. It would also cause confusion for consumers, particularly those who think they can now sign up for catastrophic coverage but are not eligible because they did not have their plans cancelled.

In addition, opponents who have battled against the individual mandate for months believe this most recent change is a precursor to doing away with the individual mandate altogether. It also signals the inevitable failure of the ACA, according to Republicans, as more people have lost their insurance under Obamacare than have gained it.

Obamacare Catastrophic Coverage Not Selling Well

Even before the administration extended Obamacare catastrophic coverage to the millions of people whose policies were cancelled, the slimmed-down version of health coverage was not selling well. Just one percent of the enrollees in California had signed up for a catastrophic plan in the first two months of open enrollment. In Connecticut, the percentage was higher at two percent, but in Washington State, only 0.4 percent of residents have selected catastrophic coverage.

Exchange officials say they did not expect high demand for Obamacare catastrophic plans because residents cannot use federal subsidies to buy them. Consumers who are eligible to receive federal premium assistance are financially better off to purchase a Bronze or Silver level plan that has lower out-of-pocket costs than a catastrophic plan.

Officials also believe consumers are starting to become more aware about their health insurance as a result of the ACA. They are carefully weighing premium amounts against deductibles, copays and coinsurance to make the right decision for them in terms of what type of coverage they need. Many of the plans that were cancelled, though, were very similar to the catastrophic plans sold through the health insurance exchanges. It is possible there will be a slight increase in catastrophic enrollments following the administration’s expansion of eligibility for these plans.

What Does a Catastrophic Plan Cover?

All Obamacare catastrophic plans are required to cover the 10 essential health benefits as mandated by the ACA, including doctor and hospital visits. However, under a catastrophic plan, these costs of these services are applied to the deductible before the insurance company begins contributing toward the bills. Since catastrophic plans have extremely high deductibles, many people won’t see any cost-sharing unless they experience a severe injury or illness.

Of course, catastrophic plans are usually cheaper than other types of insurance because of these high deductibles. This is why they might be an attractive option for young adults who rarely get sick or visit the doctor. Still, research has shown that with subsidies, a Bronze level plan through an exchange might actually be cheaper than a catastrophic plan without subsidies. By choosing a Bronze plan, a consumer would be getting more comprehensive coverage at a lower price.

The post Obamacare Catastrophic Plans Extended to Noncompliant Cancellations appeared first on ObamaCare Insurance.

ObamaCare Insurance

I heart Obamacare

apply obamacare
by SS&SS

Just as the pin John Conyers has worn says: “I heart Obamacare”, I heart Obamacare. As much as the healthcare reform passed last year was not what liberals would consider “complete”, it is better than what the country had before. There is still much to do, as the best way to get the healthcare savings is to get true universal coverage, or as some call it “Medicare for all”.

As an example you will read something today that it is personal to the