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Massachusetts Residents Are About to Receive Rebates

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If you are a resident of Massachusetts, and you have health insurance coverage, you might be getting an insurance rebate soon! This is thanks to the Affordable Care Act that requires health insurance companies to spend at least 80% of the money they get from premiums on actual health care for their customers. Insurers who failed to do that have to send out rebates. The medical loss ratio, or MLR, is a regulation that is part of the Affordable Care Act. It went into effect in 2011. The purpose of the law was to prevent insurance companies from spending the … Continue reading →

Insurance Blog Week in Review – May 27 – June 2, 2012

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The Insurance Blog Week in Review provides you with a quick and easy way to “ketchup” on all the blogs that appeared here in the past week. There can be anywhere between twelve and fourteen different blogs that go up. What did you miss? Lloyd’s of London Denied Coverage for Bill Paxton The insurer that is well known for approving of all kinds of strange insurance policies denied a request made by Bill Paxton for life insurance. CalPERS Will Offer Coverage for Same-Sex Couples The California retirement fund for state employees will now be able to offer long-term care insurance … Continue reading →

Tennessee Residents Are About to Receive Rebates

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If you live in Tennessee, you might be getting some mail from your health insurance company soon. This particular piece of mail will be good news! Residents in Tennessee are about to receive a rebate from their health insurance companies. This is due to the medical loss ratio in the Affordable Care Act. Will you be getting a health insurance rebate this year? About 200,000 residents of the state of Tennessee are going to be receiving a rebate from their health insurance company. Whether or not you will receive one depends mostly on if your health insurer met the requirements … Continue reading →

Insurance Blog Week in Review – April 22 – 28, 2012

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At the end of every week, the Insurance Blog Week in Review gives you a quick and easy way to “ketchup” on all of the articles that hit the blog in the past week. There can be anywhere between 12 and 14 different blogs that have appeared. What did you miss this week? Renters Insurance Doesn’t Cover Bug Infestation A family in Bakersfield, California, rented a home that was infested with bugs. The entire family is suffering from scabies, and ended up throwing away their contaminated property. Would renters insurance covered any of this? Unfortunately, it would not. The Insurance … Continue reading →

Things to Know About Health Insurance Rebates

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Part of the Affordable Care Act includes something called the medical loss ratio. Health insurance companies who fail to meet the requirements of the ratio have to issue rebates to their customers. Those rebates are supposed to go out in August of this year. Here are things you should know about the health insurance rebates. The medical loss ratio is a portion of the Affordable Care Act that went into affect in 2011. It was created to prevent health insurance companies from spending the majority of the money that their customers paid in premiums on things like employee salaries, advertisement, … Continue reading →

Insurance Blog Week in Review – Week of February 12 – 18, 2012

In a given week, there can be anywhere from twelve to fourteen different blogs appearing here. The Insurance Blog Week in Review brings you a quick and easy way to “ketchup” on the news that you may have missed. Clinic Will Charge Unhealthy Workers Higher Insurance Rates The Cleveland Clinic is going to charge employees that are considered to be unhealthy a 21% higher health insurance premium. To avoid the increase, the worker has to see a doctor and follow the health plan the doctor prescribes. The Insurance Podcast Roundup for the week went up on February 13, 2012. Each … Continue reading →

Will You Be Getting a Health Insurance Rebate?

This year, many Americans are going to be getting a rebate from their health insurance companies. It will come from the insurers who failed to meet the requirements of the medical loss ratio. This is the first time since that law was passed that rebates will be issued. Will your insurance company be sending you a rebate? The medical loss ration, or MLR, went into affect in 2011. This is a health insurance reform law that is designed to help consumers, (not health insurance companies). The MLR was created in order to prevent insurance companies from spending the majority of … Continue reading →

What to Expect From Health Care Reform in 2012

When people talk about health reform, they are usually talking about the changes that come from the Affordable Care Act. The entire series of health reform laws will not be completed until 2014. What can you expect to see change this year? The best way to find out about the changes to health care reform that will happen this year is to visit the Healthcare.gov website. They have a timeline that shows you what is coming up this year, and in the next few years, with the Affordable Care Act. As of January 1, 2012, a new law has gone … Continue reading →

What to Expect in 2011 From The Affordable Care Act

Kathleen Sebelius, Secretary of Health and Human Services, has provided a detailed update about the new benefits that consumers can expect to see in 2011. These benefits are a result of the reforms and regulations to health care that are a part of the Affordable Care Act. Consumers saw several beneficial changes to health care in 2010, and will continue to see changes until 2014. Beginning in 2011, insurance companies will be required to spend at least 80% of the money they get from the premiums that they charge their customers on health care, and other quality improvements, that will … Continue reading →

The Household Notebooks – Divided

Now that you know how to get started in organizing your household notebook, it’s time to figure out what needs to go in each category. I’m turning this article a bit personal, to show you examples of what I put in my household notebook. I also just recently added a “Deals and Savings” category, so although I have a few items in there, I will need to add to that as I go along. This section is further explained below. Many forms are available online to download and print. I suggest using Google to search, however OrganizedHome.com has some wonderful … Continue reading →