Your rights in a dispute with your health insurance company vary depending upon the type of policy and regulations involved. For purposes of this discussion we will deal with commercial policies, not Medicare. The Arizona Department of Insurance regulates fully-insured policies such as individual and small group plans. Self-insured plans like those offered by many […]
The Consolidated Omnibus Budget Reconciliation ACT of 1985 (COBRA) extends group coverage, temporarily, and is paid for by the employee. The premium rate is the same rate the employer paid, plus a small administration fee of approximately 3%-5%. The federal COBRA law applies to employers with 20 or more employees. WHO QUALIFIES? Those that lose […]
On March 23rd of 2010 the Patient Protection and Affordable Care Act was passed into law (ACA/Obamacare for short.) Since passage, pre-existing conditions may no longer be considered by health insurance companies when applying for an individual health insurance policy. Pre-existing medical conditions typically are not an issue when it comes to employer group health […]
