If you are one of the 46.6 million Americans that have joined the ranks of the uninsured, what you may not know is that you may have to pay more for your medical treatment than your privately insured counterparts. If those without insurance get sick, they usually have to pay much more for the same medical services, since insurance companies can negotiate dis...

If you are a business owner, self-employed or an employee of a company that is not offered medical coverage through your employer, you may have to undertake the frustrating, daunting and time consuming task of purchasing health insurance on your own. If this is the case, there are certain things that you can do become an informed consumer so you can ensure t...

I f you are one of the many American's who elected to take advantage of a 65% reduction of your COBRA continuation premiums under the  " American  Recovery and Reinvestment Act Of 2009 "  your reduced COBRA premium would have increased substantially in the month of December 2009 when the "Cobra Stimulus" was originally planned to come to an end. However on D...

How Early Should You Buy Life Insurance? EliteBenefits.net How Early Should You Buy Life Insurance?  There are 5 reasons to buy life insurance earlier opposed to waiting until later.  For more information visit EliteBenefits.net or call 888-535-3006

Video: The New Type of Disability Insurance For Business Owners Free ebook: www.EliteBenefits.net/e-book/  A new way for business owners to replace their income if they become too sick or hurt to work.  Now they can replace their income and still keep the business running without starving the business.  EliteBenefits.net 888-535-30006 ...

How Do Parents Continue Health Insurance When Their Kid Turns 26 EliteBenefits.net - How do parents continue health coverage for their kids at age 26?  There are three options. Check out the video.  888-535-3006

Video: Losing Your Ability To Earn An Income Free ebook: www.EliteBenefits.net/e-book/ The Month of May is Disability Awareness Month.  1 in 3 chance of losing your income during your working years.  62% of bankruptcies are due to medical bankruptcies and three-quarters of them HAD health insurance.  For the cost of Pizza and a few beers a month, pro...

I have been a health insurance broker for more than 17 years now and every day I read more and more "horror" stories that are posted on the Internet regarding health insurance companies not paying claims, refusing to cover specific illnesses and physicians not getting reimbursed for medical services. Unfortunately, insurance companies are driven by profits, ...

Photo Credited: http://sfreporter.com/ Healthcare reform is moving at full throttle to be ready for January 1st, 2014.  Some people did not even know that healthcare reform was signed into law by the current Administration.  Most people are still confused on how things will pan out.  The health insurance exchanges are going to be real, but you need t...

The tax credit is available from 2010 through 2015. For 2010 – 2013 the maximum credit is 35% of qualified premium costs paid by for-profit companies, and 25% for non-profits. The maximum credit is only available to employers with no more than 10 full-time equivalent employees (FTE’s), who are paid average annual wages of $25,000 or less. A reduced ...

Beginning in 2014, many employees who are not offered health insurance through their employer and who are not eligible for Medicaid may be eligible for “Advanced Premium Tax Credits” for coverage through a PPACA “Health Insurance Exchange”. The PPACA empowers the Internal Revenue Service to allot ‘Advance Premium Tax Credits’ to childless adult individuals...

Beginning January 1, 2014 the PPACA (a.k.a. ‘Obamacare’) legislation levies a brand new tax – the “Roberts Tax”. A tax aptly named after U.S. Supreme Court Chief Justice John Roberts who created this new tax all by himself. It is neither an excise tax, nor a capital gains tax or any other kind of defined tax. It is instead a new tax, a tax for doing nothing ...

In today's fast paced world, business owners don't often have the time to thoroughly check out the companies they rely on to provide goods and services. In many cases, a determination of product/service quality can be made at the time goods are delivered or services are rendered. If goods or services do not meet expectations, there is often an immediate reme...

If you want to see just how  expensive  government approved health insurance will be in the new health insurance exchanges. Just click on the Kaiser Family Institute’s   Exchange Calculator here .  Then, enter an income of $50,000 for a family of four.  First, look at the “u nsubsidized health insurance premium “. This is the  actual   premium for the hea...

Why Are Health Insurance Premiums Still Increasing After The PPACA? There are 5 primary reasons why health insurance premiums  have already increased  and will  continue to increase  since the passage of the PPACA. And, why insurers like Aetna are expecting  some premiums to double after 2014 . 1) My Blue Cross Group clients have received p...

Small Group Health Insurance can be a Small Business KILLER I received a phone call at my agency on Friday by a client who is a friend of an attorney in Chicago who is paying $1,000 a month for individual employees on his group health insurance plan and nearly $3,000 a month for employees with dependents. And, he only has 5 employees. This phone call pro...