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Category Archives: Health Insurance

health insurance and taxes

Health Insurance and Federal Taxes: The Government Giveth and the Government Taketh Away

By Insurance News Desk |

Tax season has come and gone for most of us (did somebody say extension?), but even if you already filed, if you didn’t get it all right, you can expect to hear back from the IRS telling you to try again. One particularly confusing area involves the premium tax credit offered as part of the Affordable Care Act (ACA), aka Obamacare. The tax credit is a signature piece of the ACA, providing access to health insurance for millions of Americans who otherwise wouldn’t be able to afford it.

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What Does an Insurance Agent Do?

By Insurance News Desk |

The way people buy insurance is changing. More and more, people do their own research online and make purchasing decisions without consulting a professional. This is happening in every area of life, and the insurance industry is no exception. For many people, however, insurance remains a complex and complicated area, and they want guidance when it comes to understanding insurance terminology and learning which companies and which plans offer the best fit for their needs.

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What Is a Catastrophic Plan, and How Do I Get One?

By Insurance News Desk |

The way people buy insurance is changing. More and more, people do their own research online and make purchasing decisions without consulting a professional. This is happening in every area of life, and the insurance industry is no exception. For many people, however, insurance remains a complex and complicated area, and they want guidance when it comes to understanding insurance terminology and learning which companies and which plans offer the best fit for their needs.

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A stressed woman with no money looking at her credit card bills and monthly payments. Financial crisis debt.

I Don’t Want Health Insurance, and You Can’t Make Me!

By Insurance News Desk |

By some measures, the Affordable Care Act (aka ACA aka Obamacare) added 20 million previously uninsured people to the rolls of the insured. This was accomplished in part through an individual mandate that requires people to either get insured or pay a penalty through their income tax. Most of the previously uninsured welcomed the ability to get access to good health plans and the ability to pay for coverage through their employer or with the help of premium assistance tax credits.

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Open Enrollment versus Special Enrollment in the Health Insurance Marketplace®

By Insurance News Desk |

If you don’t currently have health insurance or have a plan but want to change it, what are you waiting for? Well, you might be waiting for the enrollment period to open up so you can purchase a plan through the Health Insurance Marketplace. This is the place to go if you want to dramatically lower the dollar amount of your premium through tax credits.

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Can You Appeal an Unfavorable Decision From the Health Insurance Marketplace®?

By Insurance News Desk |

According to the Centers for Medicare and Medicaid Services, over 8.2 million people chose a plan during the recent open enrollment period for participation in the Health Insurance Marketplace established under the Affordable Care Act. Out of those numbers, approximately 1.8 million enrollees were new to the marketplace, with about 6.4 million people renewing their coverage in Obamacare.

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Fighting Insurance Claim Denials: Will an Attorney’s Contingency Fee Eat Into My Benefits?

By Insurance News Desk |

You need to fight that denial, and you are probably going to want to hire an experienced insurance law attorney to represent you.

Learn more about how the contingency fee can be beneficial to ensure you get the legal rep you need for your case.

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Is Your Insurance Company Stalling on Your Health Insurance Claim? Here’s What to Do.

By Insurance News Desk |

When you need coverage for a medical issue, you might not have time to wait, and any delay might seem unreasonable.

If you think your insurer is taking too long to come around, here are some things you can do to assert your rights.

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My Insurer Won’t Return My Calls. Does That Mean They Are Not Working on My Case?

By Insurance News Desk |

Your health insurer is responsible for communicating with you about your case on a regular basis. If your claims adjuster is ignoring your calls, they could be engaging in bad faith conduct geared toward getting you to drop your claim or accept a lowball settlement.
Learn about the applicable laws in your state, and don’t be afraid to assert your legal rights and hold your insurance company to any applicable timelines.

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Artificial intervertebral disc prosthesis is installed between the cervical vertebrae isolated on a white 3d render image

Is Artificial Disc Replacement “Experimental and Investigational”?

By Insurance News Desk |

If you ever see the phrase “experimental and investigational,” it’s likely to be in the context of a letter from the insurance company refusing to cover your requested surgery or other medical procedure. “Experimental and investigational” is a favorite phrase of the insurance industry. Carriers create internal memos, called Policy Bulletins, that label a particular procedure or medical device as experimental and investigational, and then they rely on that memo to issue blanket denials of all requests for the treatment, without conducting an individualized assessment of the patient’s condition and whether the requested procedure might be appropriate. These blanket denials could be seen as an abdication of the insurer’s duty to investigate each claim individually and make a decision based on the specific facts of the case. Denials like these might even be considered insurance bad faith. Additionally, lawyers who represent patients have found that insurance companies label some treatments as “experimental and investigational” despite abundant evidence demonstrating the procedure is neither experimental nor investigational. Artificial disc replacement is one such example.

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Has Your Insurance Claim Been Denied?

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