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COBRA Premiums Consume 84 Percent of Unemployment Benefits
To maintain their employer-based health coverage under COBRA, most unemployed people would have to devote an unrealistically high proportion of their incomes to health insurance. For many, it would take their entire unemployment check and more to continue health insurance coverage for themselves and their families.
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Source: Emaxhealth - Daily Heath News and Articles
What company and what plan is best for individual self employed health insurance in Arizona?
Oct 02, 2006 by Einstein | Posted in Other - Health
Looking to get a different insurance carrier as a self employed person in Arizona. Looking for input on what company and what plan is best. Thank you.
I am a Realtor and have been running into this problem for years. I would find quotes, then apply, and they would then come back to me with an outrageous rate based on the fact that I had a heart murmur on my medical history records. I recieved an email from a company called HR Trust who came up with a neat idea in order to bring back corporate benefits to self employed individuals.
Thier website is www.hrtrust.com. In short they are able to give you an employer through whom you can get true group health benefits with rates that are not based on your health condition or geographic location.
Here is how it works:
HR Trust hires you and then contracts you back to your own self employed business as an assistant. In my case as the Realtor I am simply considered the onsite manager of the HR Trust Contract Employee this is myself. I am billed once a month from HR Trust for the management of thier "employee." This management fee is comprised of the "employee's" health benefits costs, the management fee, and the net payroll and payroll taxes. However, the payroll and payroll taxes equal zero because as an HR Trust contract employee my gross payroll equals my health benefits costs and when HR Trust Deducts the health benefits costs from my gross payroll I am left with a net zero pay and taxable income amount of zero. This works much like a temporary agency setting. You can imagine HR Trust like an agency who trains and hires assistants and then contracts them out to help out self employed people, except that assistant is the self employed individual. It is much like going to work at Starbuck's part time to have an employer to get health benefits through.
It is also great because this is 100% tax deductible from self employment tax because I am paying a management fee to HR Trust for the management of one of thier "employees."
They offer five Medical PPO comprehensive plans with rates that are not based on my medical history. I ended up saving 140$ a month and I also put myself on a higher gross payroll so I could put that money away in thier 401(k) that they also offer. When I hire my first real assistant I can also put her on this plan and get her health benefits as well!
It really has been a life saver for me and my family. I highly reccomend looking into thier program.
Adam R | Oct 05, 2006
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How do I become a Life and Health Insurance Broker in Arizona?
May 23, 2007 by Samie | Posted in Insurance
I have found how to become an Agent, but I want to be the Broker. Is there a time requirement as an Agent, like in Real Estate, before I can become a Broker? Or can I study and pass the exams for Insurance Broker without a time constrant. I'm pretty smart and capable, and would like to just go do it, and start building up my own business. I don't know what the Broker Exam is called. What I have found seems a little abstract. Any help?
There isn't any difference, from your point of view, in an agent and a broker. The license is the same.
You want a producer's license.
Good luck finding someone to let you sell their insurance. That's the hard part.
mbrcatz | May 23, 2007
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Affordable health insurance in Arizona?
Aug 21, 2007 by NV Answers | Posted in Other - General Health Care
My dad needs to find some good health insurance in Arizona. He wants to cover himself and my little brother. Any suggestions?
You'll want to talk with an independent agent. This person knows the plans in your area and can find the best plan for your situation and budget.
Someone above me answered about the Arizona health care plan. It is not Health Net. It is Healthcare Group of Arizona. It is for the self employeed and small groups up to 50. They are not currently accepting new applications though and a business license is not proof to get on the plan.
Be very wary of medical discount cards. They are not regulated by the Department of Insurance nor do the people that sell them need to be licensed. This means you have little recourse when you have problems with the plan. If you are tempted by the low price and claims of “save up to 80%” be aware that very few doctors actually take these cards. It does you little good if you have to drive 4 hours to find a doctor that will accept the card. Montana couldn’t find any doctors in the whole state that actually took the card and only one dentist who was on probation for unlawful activities so they banned the sale of the card and fined the company. See this link http://www.insurancejournal.com/news/west/2006/11/22/74554.htm for more information. Many other states are starting to ban these cards as well.
Before signing up with any discount plan get a list of doctors. If they won’t give you a list consider it to be a scam. Call the doctors on the list to make sure they’re still taking the card (many don’t even know that they’re listed as a provider) and that they’re accepting new patients.
Zarnev | Aug 23, 2007
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Stay Healthy: Government Healthcare May Be Coming
08.01.09
Obama has promised to allow people to keep the insurance plans they have if they like them. Their plans, however, might no longer exist because they might not measure up (likely won't measure up). The plans won't pass muster if they allow a person to benefit from good health and a prudent lifestyle, and not "contribute" enough to the collective pool. But if your plan can no longer be offered, don't worry; a proposed insurance exchange, like the Massachusetts Connector, would match people up with a "high-quality, affordable, comprehensive, nondiscriminatory Health Plan." Insurers may go along with the scheme in exchange for a guaranteed market: 46 million new customers overnight! And individuals would have to buy a product they might otherwise reject as being unnecessary or too expensive. Obama promised to delay forcing the plan on Americans until insurance becomes "affordable" — by the government's definition, not necessarily the customer's — but
Source: The New American
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Arizona health insurance - News
Stay Healthy: Government Healthcare May Be Coming
The New American - Jan 08, 2009
In his Call to Action: Health Reform 2009, he speaks of failed efforts to enact "national health insurance" or "socialized medicine," starting around the
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Groups condemn UW plan to perform abortions - The Canadian Press
The Canadian Press, Wis. - Jan 08, 2009
Catholic News AgencyGroups condemn UW plan to perform abortions The Alliance Defense Fund, an Arizona-based conservative Christian legal group, publicized the plan and sent a letter asking UW officials to stop it. Meriter, University of Wisconsin hospitals plan to open abortion Antiabortion Groups Protest University Of Wisconsin Plan To
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Medicare pilot program launched in Arizona, Utah - Arizona Capitol Times
Arizona Capitol Times, AZ - Jan 05, 2009
Medicare pilot program launched in Arizona, Utah Medicare's use of PHRs - online tools more commonly used by individual consumers to manage their health records - will allow the nation's largest insurance
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More kids getting infusions of own cord blood - Tucson Citizen
Tucson Citizen, AZ - Jan 09, 2009
Tucson CitizenMore kids getting infusions of own cord blood There are few options for parents wishing to donate a child's umbilical cord blood in Arizona, which has no public bank. But for those who wish to donate
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Obama's New Deal: Encourage People to Stay Unemployment
The Weekly Standard - Jan 05, 2009
Other policy changes would subsidize employers’ expenses for temporarily continuing health insurance coverage to laid-off and retired workers and their
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