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What Is an Individual Coverage Health Reimbursement Arrangement (ICHRA)?

An individual coverage health reimbursement arrangement (ICHRA) allows employers to reimburse employees for premiums they pay for personal health insurance. Employers can reimburse employees for individual market premiums regardless of the company size. Under the newest regulations, there is more flexibility for how much reimbursement an employee can receive or…
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What Emergencies Should Health Insurance Cover?

It may shock you that your health insurance provider does not provide health insurance coverage for all emergencies. Many patients may have to pay out of pocket because they went to the ER only to find out that their emergency was considered an emergency by the insurance provider. The lesson…
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Does Health Insurance Cover Allergies?

Springtime means warmer weather, spring break vacation, outside activities, and allergies. The biggest spring allergy trigger is pollen. Trees, grasses, and weeds release grains that get into your nose and wreak havoc on your body. What should be an enjoyable season can turn into a miserable period of health problems.…
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What Are Telehealth Services?

There’s nothing new about telehealth services. Medical professionals have been using video to communicate with patients for over 20 years. What is new is the current trend in telehealth services that have exploded over the last two years.  The main reason for the trend is the COVID-19 pandemic. Since the…
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How to Get Health Insurance If You Are a Full-Time RVer

One of the biggest trends for American families today is full-time RVing. According to the RV Industry Association, about a million Americans live full-time in recreational vehicles. They are traveling nurses, retirees, digital nomads, and people who have taken on remote jobs in just about every industry. Like anyone else,…
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Are Mental Disorders Covered by Health Insurance?

Yes. Health Insurance covers certain mental disorders at various levels and under certain conditions. Before you enroll in a health insurance plan, you need to ensure the provider covers your or a loved one’s condition. If you don’t know where to look for an appropriate provider, check with a health…
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How to Understand Medical and Billing Codes

One of the great mysteries in the medical world is medical and billing codes. Most patients (and some professionals) have no idea what the codes mean. As a result, numerous billing errors occur, costing individuals and companies thousands of dollars in medical expenses.  The best way to avoid billing errors…
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How Much Do I Save by Having Health Insurance?

The most common concern that people have with individual or group health insurance is whether it will actually save money on healthcare costs. It’s a fair question and one that needs to be answered regularly. It’s the reason why many people turn to a health insurance broker when they need…
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Are Insured Employees Better Employees?

There is no question that small group health insurance benefits employees. Workers with health insurance are happier, more productive, and can sleep at night knowing that they and their families have coverage when they need it.  However, what about small businesses? Is there a health ROI of providing health insurance…