Travel Medical Insurance- What you need to know

Medical Travel | mljinsurance.comTravel Medical Insurance

Travel Medical Insurance plans are for travelers leaving their home country that are concerned with medical coverage abroad. Most insurance plans do not provide medical coverage once you travel outside the US, and an accident or illness abroad would not be covered.

Biggest difference between travel medical and other types of insurance is that it focuses on emergency medical and evacuation (when needed) costs, while other plans only offer coverage for trip cancellation/interruption.

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Bright Health Rewards

Bright Health Rewards |

Earn Rewards with Bright Health
Get involved with your health insurance

Throughout the year, you’ll be able to earn cash rewards deposited directly onto your Bright Health Rewards Card for participating in various wellnessBright Health Rewards | opportunities.

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The Affordable Care Act and 2018 Open Enrollment

Whether you get coverage through the Marketplace or not, you will need to enroll in minimal essential coverage during the 2018 open enrollment period. Why??? Continue reading to find out…

2018 Open Enrollment |

Signing Up for Affordable Care Act in 2018

Despite a summer filled with repeal and replace attempts, the Affordable Care Act’s is still the law of the land. The Affordable Care Act marketplaces will open as planned on Nov. 1st, 2017. This means that the 2018 Open enrollment for health insurance is less than a week away. And if you’re thinking of signing up for an Affordable Care Act plan, you’re probably a little confused due to all the recent news and mixed messages.Read More

Medicare Open Enrollment 2018 Is Here

Medicare AEP |

While the future of the private health insurance market continues to bring more questions, Medicare Open Enrollment is running like it has for years.

Things to know about Medicare Open Enrollment

The Medicare Annual Enrollment Period (AEP) is a period of time when current Medicare users can choose to re-evaluate part of their Medicare coverage (Medicare Advantage and/or Part D plan) and compare it against all the other plans on the market. After re-evaluating, if you find a plan that is a better fit for your needs, you can then switch or add a Medicare Advantage or Part D plan for the following year.

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Travel Insurance Coverage

Travel insurance |

One of the most common misconceptions about travel insurance is that it covers absolutely every risk you may encounter while traveling. It doesn’t. The purpose of trip insurance is to protect you financially in the event of canceled flights, medical emergencies or other unexpected situations. Because there are several types of travel insurance coverage, you should know what a travel insurance plan covers before choosing one.Read More

Carriers Discontinuing Health Plans in Colorado for 2018

Carrier Discontinuing |

Anthem, Cigna and Bright Health will continue to offer health insurance in Colorado for 2018; however, they will be discontinuing certain health plans. This change will affect many insureds and they will have to choose a new health plan for 2018!

Some insureds may have already received the Notice of Plan Discontinuation from Anthem and Cigna. As the letter explains you will be able to shop for a new plan during the open enrollment period that starts November 1, 2017.

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How to Plan for a Workplace Emergency

Workplace Emergency |

You may not expect an emergency or natural disaster to occur in the workplace, but it is important to be prepared because dangerous situations can strike at any time with little or no warning. OSHA regulations require that almost every business develop a workplace emergency action plan. Having an emergency action plan in place is key to preventing a disorganized evacuation or emergency response that could result in confusion, injury, and property damage.

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Health and Dental Insurance Working Together

Health and Dental Insurance |

Did you know that 120 health conditions can be detectable during a dental exam? Undoubtedly, there is a connection between oral health and overall health, so shouldn’t your health and dental insurance work together?

Health and Dental Insurance Working Together

Maintaining good oral health and routine visits to the dentist can really pay off in a bigger way than just a having a healthy smile. During a routine dental exam, a dentist is often able to see signs of potential overall health concerns, such as diabetes, mouth cancer, heart failure and more.

Identifying these conditions early may prevent them from getting worse, keeping you healthier and happier. In addition to improving overall health, it could also impact medical costs and quality of life.

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Updated CHIP Model Notice Now Available for Employers

CHIP Model Notice |

If your company sponsors a calendar-year group health plan, don’t forget to send all eligible employees a CHIP model Notice.

Updated CHIP Model Notice Now Available for Employers

An updated CHIP model notice for employers to provide information on eligibility for premium assistance under Medicaid or the Children’s Health Insurance Program (CHIP) is now available for download from the U.S. Department of Labor (DOL).Read More

Important information about Health Insurance Premiums in 2018

Division of Insurance approves health insurance premiums for 2018

The Colorado Division of Insurance has just approved individual and small group health insurance plans for 2018. You’ll find the entire press release from the Colorado Department of Regulatory Agencies below, but here are the main highlights:

  • Colorado did not lose any on-exchange insurance companies selling individual plans for 2018.
  • Insurance Commissioner Marguerite Salazar calls for Congress to to take immediate action to stabilize the market and sweep away the uncertainty pushing up rates and making companies skittish. The Commissioner asks Congress to establish a reinsurance program that would provide relief to the entire individual market, including those who don’t qualify for subsidies, by reducing rates for 2018.
  • In Colorado, health insurance premiums for individual plans (not from an employer) will be increasing by an average of 26.7%
  • In Colorado, health insurance premiums for small group plans will increase by an average of 6.6%.
  • In total, 17 insurance companies will offer individual and small group plans in Colorado in 2018.

As always, whether you are an individual or business, we can help you find the best insurance for your situation.

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