One Company In Texas

Beginning August 1 2013 Mutual of Omaha will no longer sell Medigap/Medicare Supplement insurance plans in the State of Texas under the Mutual Of Omaha Brand. Instead all Medigap/Medicare Supplement plans will be offered by Mutual Of Omaha affiliate “Omaha Insurance Company”.

Anyone with a Mutual Of Omaha Medigap/Medicare Supplement plan will still be able to keep in and Mutual Of Omaha will continue servicing and paying your claims. Beginning August 1,2013 agents and brokers will no longer be able to offer for sale the Mutual Of Omaha branded plans.

If you have any questions or know of anyone who has a Mutual Of Omaha Medigap/Medicare Supplement policy with questions just call me at 1.855.664.2771 and I’ll be glad to help by answering any questions you may have.

Advertisements

Final birth control rule issued for faith groups

By Kathryn Mayer | June 28, 2013

The Obama administration issued final rules Friday for the birth control mandate under the Patient Protection and Affordable Care Act, an area of the massive health overhaul that generated some of the greatest opposition.

The mandate — effective Aug. 1, 2012 — requires most employers to cover a range of birth-control methods in their health plans without charging a co-pay or a deductible.

Religious groups have strongly opposed the rule, and dozens of lawsuits against the federal government followed. Meanwhile, the administration — as well as women’s rights advocates — continued to praise the contraception mandate, saying it gives women control over their health care.

Health and Human Services Secretary Kathleen Sebelius said Friday the final rules “strike the appropriate balance” between respecting those religious considerations and increasing access to important preventive services for women.

Related story: White House Backs Down on Birth Control

“The health care law guarantees millions of women access to recommended preventive services at no cost,” Sebelius said in a statement.

“Today’s announcement reinforces our commitment to respect the concerns of houses of worship and other nonprofit religious organizations that object to contraceptive coverage, while helping to ensure that women get the care they need, regardless of where they work.”

The final rules finalize the proposed simpler definition of “religious employer” for purposes of the exemption from the contraceptive coverage requirement in response to concerns raised by some religious organizations.

These employers, primarily churches, may exclude contraceptive coverage from their health plans for their employees and their dependents.

Women at nonprofit, religious-based organizations — such as at certain hospitals and universities — will have the ability to receive contraception through separate health policies at no cost.

The approach taken in the final rules is similar but simpler than that taken in the proposed rules, and addresses many stakeholder concerns, HHS said.

Announced early last year, the original mandate required most employers, including religious-affiliated organizations, to cover a range of birth control methods.

That triggered a fast and intense pushback from Catholics and other religious groups that oppose birth control, and called the mandate an attack on their religious freedom.

In February, the administration proposed a work-around for religious nonprofits that object to providing health insurance that covers birth control, attempting to create a barrier between religious groups and contraception coverage, through insurers or a third party.

But groups such as the U.S. Conference of Catholic Bishops continued to oppose the regulations.

Proponents of the mandate argue that the requirement is a “win” for women, and will help reduce unplanned pregnancies and abortions.

“The magic combination of responsible public and private policies and responsible behavior on the part of men and women can make all the difference in helping reduce unplanned pregnancy and improving the education and employment prospects of women and their families,” Sarah Brown, CEO of The National Campaign to Prevent Teen and Unplanned Pregnancy, said last year.

The Catholic Church has yet to respond to the final rules.

See also:

On the Third Hand: Birth control
Birth Control Mandate Hits Groups That Backed PPACA

Tips to getting the Right Health Insurance Policy at the Right Price.

by 123insurME.com’s Randy Kelley

June 19, 2013

The following information, if used will ensure that you buy the right health insurance

policy with the benefits that you want at a price you can afford.

123insurME.com makes choosing the right plan easy with 123insurME.com’s state of

the art health insurance plan finder that allows you to get quotes from major carriers that

serve your local market in Texas & North Carolina. You also have the ability

to compare plan benefits offered by the insurance companies side by side. This will

allow you to see a breakdown of each plan offered, side by side plan benefits, optional

coverage and links to insurers Network of Providers. As long as you are a resident of

Texas and or North Carolina, you can use 123insurME.com’s health insurance plan

finder free of charge, just go to http://www.123insurME.com click on “Get Quote”.

Before you start your search on 123insurME.com’s website, think back to last year, how

many times did you, your spouse or children visit the doctor, urgent care or hospital.

What amount of money did you spend last year on your total health care?

You want to know what benefits and services that are “Must Haves”. If you are wanting

to start a family, then Maternity Benefits would be a Must have. Today a lot of health

insurance plans do not offer maternity coverage, it must be added in as a optional

benefit, and some companies do not offer it period. You should also look at your family

medical history. Does your father or mother have a history of hypertension (high blood

pressure), diabetes, congestive heart failure, etc. 123insurME.com’s health insurance

plan comparison tools will allow you to easily see and compare what each of the plans

basic coverage offers side by side.

When choosing a health insurance policy deductible, folks normally try to take the lower

deductible, this will make your monthly premiums more expensive. When looking at

your plan choices in 123insurME.com’s quoting & comparison software, Look at “Total

Out Of Pocket” or “Maximum Out Of Pocket”. This is the Total Amount that you are

responsible for – for the year, which includes your deductible, co pays & co

insurance.My rule of thumb is to think;

“In the event of a major hospitalization, what’s the most money that you can afford to

pay out of pocket without devastating your finances”? Lets say that you can afford a

total of $6,500.00. Then your health insurance plans “Total or Maximum out of pocket

should be $6500.00 or as close to that amount as possible, and or less.

Make sure you use 123insurME.com’s provided network links to compare the plans

“Network”. If you’ve been using a primary care physician that you are comfortable with

and like and you want to continue seeing that provider, then make sure your doctor is in

the plan network before purchasing a plan. You can follow the plans “Network Links” in

123insurME.com’s side by side comparison tool which will take you to that plans

network page where you can search for your providers to make sure they are in that

plans network. If your provider doesn’t show up by a name, address or speciality search

call the prospective plan and ask if your providers are included in their plans network.

And if you or a family member have been seeing specialist make sure to check them

also.

Use your chosen plans network for everything, by doing so you can be assured you will

be paying the lowest cost. Going outside of your plans network your plan may cover the

charges but, at a much lower rate which means you will be paying more out of pocket.

When you’re comparing plans using 123insurME.com’s plan finder and plan comparison

tools, make sure you check your chosen plans prescription drug plan. You will want to

see the plans out of pocket cost; deductible, co pays, drug tiers.

Today insurance companies in the individual health insurance market provide a wide

variety of optional benefits. Companies may offer what is called Base coverage or plan

minimum coverage, if you want – for example maternity or prescription drug coverage

you will have to add it to their plans base coverage. They do this to allow people to

better design a health insurance plan that is tailored to your individual needs. So, take

your time when looking over and comparing each plans benefits. At 123insurME.com

we provide you the tools to do all of your research so you can get educated and learn

what options are available to you. 123insurME.com has available to you FREE of

charge expert licensed health insurance agents to help you in any way that you need

assistance. Please allow 123insurME.com the opportunity to work with you on securing

your next health insurance plan, let us earn your business. If you allow our agents the

chance to help you buy the health plan thats right for you – you will like the way we do

business. no matter if you use 123insurME.com’s plan finder tools and complete buying

your health plan on your own – or if you prefer the help of an agent, you get it all at

123insurME.com. you an also call toll free and we can get the details of your wants and

needs and our agents can run quotes and assist you by telephone. Call us toll free at

1-855-664-2771.

Lock in today’s lower Premium Rates before its to late.

Did you know that due to the Affordable Care Act premiums for health Insurance are set to increase by as much as 200% ? Did you know that TODAY health insurance premiums are the LOWEST that they will ever be? Free Instant Insurance Quotes available now at http://www.123insurME.com. Did you know that children can stay on their parents health insurance plan up to age 26 and they don’t have to be enrolled in school or even live with you? Find out more about all of the Health Insurance Changes taking place due to the ACA, by visiting us regularly here at Blog 123insurME.com