Showing posts with label group health insurance texas. Show all posts
Showing posts with label group health insurance texas. Show all posts

Monday, February 24, 2014

Individual and Family Health Plans

Health Insurance plans for BXBS



Individual and Family Plans

Choosing the right individual health insurance plan to fit your needs is important to you and your family. Compare our insurance plans to find the coverage you need, and get a quick quote before you apply.

All of our plans follow the Affordable Care Act guidelines and provide the same set of essential health benefits, quality and amount of care. The differences are how much your premium costs each month, what portion of the bill you pay for things like hospital visits or prescription medications, and how much your total out-of-pocket costs are.
If you need major medical coverage before Jan. 1, 2014, contact the sales call center or an authorized agent.

Platinum Plans


To help you compare all of the platinum plans, we are providing the Summary of Benefits and Coverage (SBC) documents below. These SBCs describe key features such as the covered benefits, cost-sharing provisions, and coverage limitations and exceptions.
All platinum plans offer the same set of essential health benefits, quality and amount of care. The differences are how much your premium costs each month, what portion of the bill you pay for things like hospital visits or prescription medications, and how much your total out-of-pocket costs are.
Platinum plans have the highest premium and often the lowest out-of-pocket costs. In most cases, platinum plans cover 90% of costs, while you cover 10%.
Information in these SBCs represents an overview of coverage. It is not a complete list of what is covered or not included. Information may change. The full terms of coverage are located in the insurance policy.

Gold Plans


To help you compare all of the gold plans, we are providing the Summary of Benefits and Coverage (SBC) documents below. These SBCs describe key features such as the covered benefits, cost-sharing provisions, and coverage limitations and exceptions.
All gold plans offer the same set of essential health benefits, quality and amount of care. The differences are how much your premium costs each month, what portion of the bill you pay for things like hospital visits or prescription medications, and how much your total out-of-pocket costs are.
Gold Plans have a higher monthly premium and often lower out-of-pocket costs than silver plans. In most cases, gold plans cover 80% of costs, while you cover 20%.
Information in these SBCs represents an overview of coverage. It is not a complete list of what is covered or excluded. Information is subject to change. The full terms of coverage are located in the insurance policy.

Silver Plans


To help you compare all of the silver plans, we are providing the Summary of Benefits and Coverage (SBC) documents below. These SBCs describe key features such as the covered benefits, cost-sharing provisions, and coverage limitations and exceptions.
All silver plans offer the same set of essential health benefits, quality and amount of care. The differences are how much your premium costs each month, what portion of the bill you pay for things like hospital visits or prescription medications, and how much your total out-of-pocket costs are.
Silver plans have a higher monthly premium and often lower out-of-pocket costs than bronze plans. In most cases, silver plans cover 70% of costs, while you cover 30%. Silver plans are the only plans that offer cost sharing discounts. These discounts help lower the out-of-pocket costs like your deductible, copayment and coinsurance.
Information in these SBCs represents an overview of coverage. It is not a complete list of what is covered or excluded. Information is subject to change. The full terms of coverage are located in the insurance policy.

Bronze Plans


To help you compare all of the bronze plans, we are providing the Summary of Benefits and Coverage (SBC) documents below. These SBCs describe key features such as the covered benefits, cost-sharing provisions, and coverage limitations and exceptions.
All bronze plans offer the same set of essential health benefits, quality and amount of care. The differences are how much your premium costs each month, what portion of the bill you pay for things like hospital visits or prescription medications, and how much your total out-of-pocket costs are.
Bronze plans have the lowest monthly premium and often the highest out-of-pocket costs. In most cases, bronze plans cover 60% of costs, while you cover 40%.
Information in these SBCs represents an overview of coverage. It is not a complete list of what is covered or excluded. Information is subject to change. The full terms of coverage are located in the insurance policy.

Catastrophic Plans


To help you compare different plans, we are providing the Summary of Benefits and Coverage (SBC) documents below. These SBCs describe key features such as the covered benefits, cost-sharing provisions, and coverage limitations and exceptions.
Catastrophic health care plans are available for people under 30 and to some low-income people. A catastrophic health insurance plan has a lower premium than other health plans, but has a high deductible. It is meant to serve as a "safety net" to cover large medical costs in case of a serious illness or injury.
Costs vary by deductible, coinsurance, copayment, out-of-pocket expenses. Some plans qualify for a cost-sharing discount which can lower your monthly costs. Cost sharing discounts vary by plan, income level and Native American status. See details in the Summary of Benefits and Coverage.
Short-Term Plans
Short-term health insurance can give you temporary coverage for 1-11 months. It covers many of the most costly health care services and keeps you and your family protected.
Dental Plans
If you enroll in a Blue Cross and Blue Shield health plan, you may be eligible to enroll in a dental plan. For more information, call us at 1-888-697-0683.
A Division of Health Care Service Corporation, a Mutual Legal Reserve Company, an Independent Licensee of the Blue Cross and Blue Shield Association.
© CopyrightHealth Care Service Corporation. All Rights Reserved.

Lewis Insurance
2525 S. Lamar Ste 11
Austin, TX
78704

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Wednesday, January 8, 2014

Group Health Insurance

Helpful Group Health info from Federated Insurance

Group Health

Value-Added Group Health Products

Federated’s group health insurance plans called Federated Health Choice® (FHC) are specifically designed for small- to medium-sized businesses. Our plans are available in these states (highlighted in maroon):
Contact your Federated representative in these states for more information or a quote for Federated Mutual® group health insurance plans. See Locate Your Federated Representative.
Federated Health Choice® is offered exclusively through your local Federated representative and includes group medical,life, disability income, and dental plan options.
Group Medical

Group Health Products with Value-Added Service

Federated offers business owners affordable employee benefit plans with choices. Our plans include these features:
  • Plans of choice – Preferred Provider Organization (PPO) – You choose your provider – no referrals needed, no gatekeepers.
  • National PPO Networks – Network doctors available to you while traveling, on vacation, or for children away at school.
  • Catastrophic transplant coverage – Full policy limits apply – no hidden sublimits.
  • Open formulary list for prescription drugs – No list that omits certain drugs.
  • Case management for catastrophic claims – We work with you and your providers to make sure care is appropriate and cost-effective.
  • Claims service with personalized, individual attention – When you call our claims office, you speak with a friendly, caring person.

Value-added premium savings choices

  • Many plan designs and options – Numerous plan design options available, choose from a variety of deductible, coinsurance and copay plan designs.
  • Defined Reimbursement Plans (DRP) – A DRP offers options to help you and your employees control health care expenses.Freedom Services provides administration services for our DRP.
  • Quality service – Local marketing representatives offer quality products and service for all lines of coverage you choose to purchase from Federated.
  • Medical management program – Helping you get the right care at the right time in the right setting. Federated partners with a utilization management program to help you make an informed decision about the appropriateness of the care you receive.
  • Prescription drug plan – Federated works with Express Scripts, a leading provider of prescription benefit services in the United States. As one of the nation’s leading prescription benefit managers, they are recognized as being at the forefront of pharmacy and medical cost management. Use of preferred brands on your drug list may save you money.
  • Vision discount program – Federated offers this program through Careington International, one of the largest, most comprehensive, privately-held discount health care companies in America. The program provides significant savings opportunities across a broad spectrum of vision products and services.
More than 100 local, state, and national trade associations recommend Federated’s group products to their members.
Group Dental

Dental Coverage for Your Employees

Many employers like to offer their employees dental coverage along with their group medical benefit. Group dental insurance is available to businesses with five or more employees covered under a Federated Group Medical Plan.

Benefit options available

  • $500 for each covered individual (per calendar year)
  • $1,000 for each covered individual (per calendar year)
  • $1,500 for each covered individual (per calendar year)
  • $2,000 for each covered individual (per calendar year)

Calendar-year deductible

  • For each insured family member - $50
  • Aggregate family deductible - $100
The deductible does not apply to preventive services.

Coinsurance

  • Dental plans written after 2006 pay 100 percent of preventive services
  • Dental plans written prior to 2007 pay 80 percent of preventive services
  • Dental plan pays 80 percent of basic services
  • Dental plan pays 50 percent of major services
Contact your Federated representative for more information on all Federated Group Plans.
Group Life

Do Your Employees Have Life Insurance?

You can include life insurance among your employee benefits with a Federated Group Life Insurance plan. This important protection is available to businesses covered under a Federated Group Medical Plan.

Level amount option

Employer chooses a flat amount of coverage for all employees, with amounts between $15,000 and $50,000 (or up to $100,000 if 10 or more employees are enrolled).

Class-based amount option

Employer chooses the schedule. The amount for each employee is based on the employee’s occupation or position – $15,000 to $50,000 (or up to $100,000 if 10 or more employees are enrolled).
Accidental death and dismemberment coverage is included for both the level amount and class-based options.
Contact your Federated representative for more information on all Federated Group Plans.
Group Disability Income

Protection When You Can’t Work

Disability income protection is important to your employees if they can’t work because of an illness or injury. Federated offers a group disability income plan, available to businesses covered under a Federated Group Medical Plan.
You can select from Weekly Income Benefit schedules for 26 weeks:
  • $100
  • $150
  • $200
  • $300
  • $400
  • $500
The amount in the schedule is paid for time lost from work due to illness or injury not covered by workers compensation.
Payments are limited to two-thirds of an employee’s weekly earnings up to a maximum of $500.
Contact your local Federated representative for more information on all Federated Group Plans.
Health Care Reform

Patient Protection and Affordable Care Act (“PPACA” or “ACA”)

Enacted March 23, 2010
The highly publicized health care reform bill (Patient Protection and Affordable Care Act (PPACA or ACA) – what is commonly known as Health Care Reform (HCR) is now law and the arduous task of interpretation and implementation has begun.

ACA only created the outline for what will happen over the next several years – most provisions take effect in 2014 and many do not come into play until years after that. It is only as regulations implementing ACA are written that we are beginning to know what it really means. Regular updates will be posted to this website. This site will provide you with links to information from the various sources involved in implementation of HCR. This information will help you determine how ACA may affect you and your employees.

Affordable Care Act – General Information

Affordability

Age Rating

Employer Penalties

Essential Benefits

Exchanges

Fraud

Grandfathered Plans

Guarantee Issue

Health Care Costs

Health Insurance Tax

Medical Loss Ratio

Notices

Personal Coverage Requirement

Preventive Care Benefits

W-2 Reporting



Lewis Insurance
2525 S. Lamar Ste 11
Austin, TX
78704


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Tuesday, December 10, 2013

Texas Health Insurance

Texas Health Insurance information from Texas Department of Insurance

Health Insurance

Healthy Texas
Texas Health Insurance Pool
More Health Insurance Information

Health Related Publications

Chinese (traditional) Versions

English Versions

Accident and Health

List of companies that have approved or filed forms utilizing:
More Highlights: Compact with Texans | Services Offered | Help by Service | More On TDI
Lewis Insurance
2525 S. Lamar Ste 11
Austin, TX
78704

Texas Department of Insurance

333 Guadalupe, Austin, TX 78701
P.O. Box 149104, Austin 78714
512-463-6169    |   1- 800-252-3439
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Monday, December 2, 2013

Group Health

Group Health Information from Federated Insurance

 Group Health
Federated’s group health insurance plans called Federated Health Choice® (FHC) are specifically designed for small- to medium-sized businesses. Our plans are available in these states (highlighted in maroon):
Contact your Federated representative in these states for more information or a quote for Federated Mutual® group health insurance plans. See Locate Your Federated Representative.
Federated Health Choice® is offered exclusively through your local Federated representative and includes group medical,life, disability income, and dental plan options.
Federated Insurance does not offer individual health insurance plans.

Group Medical

Sign On

Group Health Products with Value-Added Service

Federated offers business owners affordable employee benefit plans with choices. Our plans include these features:
  • Plans of choice – Preferred Provider Organization (PPO) – You choose your provider – no referrals needed, no gatekeepers.
  • National PPO Networks – Network doctors available to you while traveling, on vacation, or for children away at school.
  • Catastrophic transplant coverage – Full policy limits apply – no hidden sublimits.
  • Open formulary list for prescription drugs – No list that omits certain drugs.
  • Case management for catastrophic claims – We work with you and your providers to make sure care is appropriate and cost-effective.
  • Claims service with personalized, individual attention – When you call our claims office, you speak with a friendly, caring person.

Value-added premium savings choices

  • Many plan designs and options – Numerous plan design options available, choose from a variety of deductible, coinsurance and copay plan designs.
  • Defined Reimbursement Plans (DRP) – A DRP offers options to help you and your employees control health care expenses.Freedom Services provides administration services for our DRP.
  • Quality service – Local marketing representatives offer quality products and service for all lines of coverage you choose to purchase from Federated.
  • Medical management program – Helping you get the right care at the right time in the right setting. Federated partners with a utilization management program to help you make an informed decision about the appropriateness of the care you receive.
  • Prescription drug plan – Federated works with Express Scripts, a leading provider of prescription benefit services in the United States. As one of the nation’s leading prescription benefit managers, they are recognized as being at the forefront of pharmacy and medical cost management. Use of preferred brands on your drug list may save you money.
  • Vision discount program – Federated offers this program through Careington International, one of the largest, most comprehensive, privately-held discount health care companies in America. The program provides significant savings opportunities across a broad spectrum of vision products and services.
More than 100 local, state, and national trade associations recommend Federated’s group products to their members.

Group Dental

Sign On

Dental Coverage for Your Employees

Many employers like to offer their employees dental coverage along with their group medical benefit. Group dental insurance is available to businesses with five or more employees covered under a Federated Group Medical Plan.

Benefit options available

  • $500 for each covered individual (per calendar year)
  • $1,000 for each covered individual (per calendar year)
  • $1,500 for each covered individual (per calendar year)
  • $2,000 for each covered individual (per calendar year)

Calendar-year deductible

  • For each insured family member - $50
  • Aggregate family deductible - $100
The deductible does not apply to preventive services.

Coinsurance

  • Dental plans written after 2006 pay 100 percent of preventive services
  • Dental plans written prior to 2007 pay 80 percent of preventive services
  • Dental plan pays 80 percent of basic services
  • Dental plan pays 50 percent of major services
Contact your Federated representative for more information on all Federated Group Plans.

Group Life

Sign On

Do Your Employees Have Life Insurance?

You can include life insurance among your employee benefits with a Federated Group Life Insurance plan. This important protection is available to businesses covered under a Federated Group Medical Plan.

Level amount option

Employer chooses a flat amount of coverage for all employees, with amounts between $15,000 and $50,000 (or up to $100,000 if 10 or more employees are enrolled).

Class-based amount option

Employer chooses the schedule. The amount for each employee is based on the employee’s occupation or position – $15,000 to $50,000 (or up to $100,000 if 10 or more employees are enrolled).
Accidental death and dismemberment coverage is included for both the level amount and class-based options.
Contact your Federated representative for more information on all Federated Group Plans.

Group Disability Income

Sign On

Protection When You Can’t Work

Disability income protection is important to your employees if they can’t work because of an illness or injury. Federated offers a group disability income plan, available to businesses covered under a Federated Group Medical Plan.
You can select from Weekly Income Benefit schedules for 26 weeks:
  • $100
  • $150
  • $200
  • $300
  • $400
  • $500
The amount in the schedule is paid for time lost from work due to illness or injury not covered by workers compensation.
Payments are limited to two-thirds of an employee’s weekly earnings up to a maximum of $500.
Contact your local Federated representative for more information on all Federated Group Plans.

Health Care 

Patient Protection and Affordable Care Act (“PPACA” or “ACA”)

Enacted March 23, 2010
The highly publicized health care reform bill (Patient Protection and Affordable Care Act (PPACA or ACA) – what is commonly known as Health Care Reform (HCR) is now law and the arduous task of interpretation and implementation has begun.

ACA only created the outline for what will happen over the next several years – most provisions take effect in 2014 and many do not come into play until years after that. It is only as regulations implementing ACA are written that we are beginning to know what it really means. Regular updates will be posted to this website. This site will provide you with links to information from the various sources involved in implementation of HCR. This information will help you determine how ACA may affect you and your employees.

Affordable Care Act – General Information

Affordability

Age Rating

Employer Penalties

Essential Benefits

Exchanges

Fraud

Grandfathered Plans

Guarantee Issue

Health Care Costs

Health Insurance Tax

Medical Loss Ratio

Notices

Personal Coverage Requirement

Preventive Care Benefits

W-2 Reporting

Lewis Insurance
2525 S. Lamar Ste 11
Austin, TX
78704
www.nationwide.com/joshlewis
www.austinhealthbrokers.com

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