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Buy Insurance On-Line

Does your current Insurance broker give you the ability to shop for insurance from his website? This means go to his website, review plans, pricing and actually purchase and enroll on-line with your credit card?

Well if he or she is not, then you have a broker who isn’t paying attention.
The insurance carriers are currently offering brokers this technology right now!

If you’re in need of Health/Life/Auto and many other products, just put your zip code in the upper rand hand corner of this page and you can find a local broker who you can purchase on-line from.

If you would rather shop from your current broker, refer him to our website where we can help him offer his products on-line. We would be happy to pay you a referral fee!

Insurance Exchanges

What Is A Health Insurance Exchange?
The Patient Protection and Affordable Care Act (PPACA), signed into law in March 2010 created a new mechanism for purchasing coverage called Exchanges, which are entities that will be set up in states and designed to create a more organized and competitive market for health insurance by offering a choice of health plans, establishing common rules regarding the offering and pricing of insurance, and providing information to help consumers better understand the options available to them. Initially Exchanges will serve primarily individuals purchasing insurance on their own and smaller employers; states will have the option of opening Exchanges to larger employers a few years after implementation.

Who will have access to Exchanges?
PPACA requires most individuals to have health insurance beginning in 2014. It authorizes entities known as American Health Benefit Exchanges, which states will establish by January 1, 2014, to make plans available to qualified individuals and employers. PPACA also provides for separate Small Business Health Options Program (SHOP) Exchanges from which small businesses with up to 100 employees can obtain coverage for their employees. Prior to 2016, states can limit Exchanges to businesses with 50 or fewer workers, and, beginning in 2017, states can allow businesses with more than 100 employees to purchase coverage from an Exchange.

Insurance Professionals
How do you think this will affect the industry?

Health Care Reform 2010 Changes

There has been a lot of uncertainty on how the newly passed Health Care Reform will affect consumers. Below you will find a list of changes that will take effect in 2010!

1. Set up a high-risk health insurance pool to provide affordable coverage for uninsured people with medical problems.

2. Starting six months after enactment, requires all health insurance plans to maintain dependent coverage for children until they turn 26; prohibits insurers from denying coverage to children because of pre-existing health problems.

3. Bars insurance companies from putting lifetime dollar limits on coverage, and canceling policies except for fraud.

4. Provides tax credits to help small businesses with up to 25 employees get and keep coverage for their employees.

5. Begins narrowing the Medicare prescription coverage gap by providing a $250 rebate to seniors in the gap, which starts this year once they have spent $2,830. It would be fully closed by 2020.

6. Reduces projected Medicare payments to hospitals, home health agencies, nursing homes, hospices and other providers.

7. Imposes 10 percent sales tax on indoor tanning

 

BenefitStore.Net Blog Launched

BenefitStore.net is proud to release a blog specifically dedicated to the Insurance Industry. Whether you are a potential consumer or an industry professional. We look forward to you sharing your opinion and insurance experiences!

- Ken & Keri French BenefitStore.net Co-Founders