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Monday, October 28, 2019
Keto Diet Good or Bad for you ?
Small Employers Can Reimburse for Medicare Part B, D Premiums
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Short Term Medical Plans
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Open Enrollment is just around the Corner!
Open Enrollment is just around the Corner!
Here is what to expect:
- I will be sending out email blast, texts, and giving phone calls with my appointment link for open enrollment starting in October!
- When you get the appointment link, BOOK AN APPOINTMENT!
- Once you book an appointment I will take you off the list so you won't be bugged anymore from my emails, texts, ect.
Keep in mind:
- Earlier you book an appointment the more time you have to make a decision.
- This is the ONLY time during the year to change your plan.
Open Enrollment in New Mexico starts November 1st, 2019 and will end December 15th, 2019.
After that date you will not be able to make changes or enroll in coverage for 2020!
KEEP AN EYE OUT FOR MY APPOINTMENT LINK FOR THE 2020 OPEN ENROLLMENT!
Let me know if you have any questions about the 2020 open enrollment season!
You can always call or text me with your concerns @ 505-280-5830.
Have a great day!
Matt Boland
2020 Open Enrollment
2020 Open Enrollment is almost here!
It's that time of year again! Where you can change or buy a health insurance plan for you and your family!
Open Enrollment season will only be from November 1st, 2019 to December 15th, 2019.
Since our Open Enrollment is short it is paramount that you book an appointment with me ASAP
Call or text me with any questions or concerns @ 505-280-5830.
Have a great day!
Matt Boland
Workers Struggle with Medical Bills, Despite Having Insurance: GAP Insurance can Help !
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New Mexico Health Connections 2020
New Mexico Health Connections 2020!
Here are some changes you need to know:
- New Mexico Health Connections (NMHC) is no longer working with True Health New Mexico (THNM) as their TPA. As their TPA THNM has managed NMHC's back of the house items and their network.
- Instead they have hired a Colorado company called Friday Health Plans to be their TPA and manage their network.
Due to this there is Good news and Bad news.
Bad news first:
- NMHC's network will be different and changing. Mainly their providers.
Good news:
- NMHC's will still work with Lovelace and UNM hospitals.
- Because THNM is no longer the TPA for NMHC's they have decided that they are going to start their own Individual Health Insurance plan in 2020.
- They are taking their network which we have always know as NMHC's with them. So, if you want the same exact network you have had with NMHC's we will most likely want to check out True Health New Mexico's offerings at this open enrollment.
- This is fantastic in a way as it creates more competition.
Based upon all this above news NMHC's is still strong as ever!
Their TPA partner Friday Health Plans is a great carrier which I work with in Denver area as well.
They are a strong and smart company when it comes to providing care to their customers.
So, I am anticipating their customer service will be better than ever.
Now lets look at the 2020 New Mexico Health Connections plans!
What to expect:
- NMHC's has sent out a renewal kit. If you wish to keep the same plan you can return the re-enrollment paperwork back to me via email or fax and I will get to the insurance carrier on your behalf! (Or let me know you sent it off)
- If you are not sure if you want to renew quite yet then I encourage you to book an appointment with me.
- Once appointment is booked we will talk about 2020 options and I can share with you the new THNM plans and all the other carriers in New Mexico for 2020.
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Open Enrollment season will only be from November 1st, 2019 to December 15th, 2019.
Since our Open Enrollment is short it is paramount that you book an appointment with me ASAP.
Even if you are satisfied with your current plan I encourage you to set up an appointment with me.
As carriers always have the opportunity to change their plans and adjust their rates.
- If you are an ON EXCHANGE member dealing with healthcare.gov. You MUST book an appointment with me! Your plan will not roll over you MUST reselect the health plan that you want to move forward with in 2020.
- If you are OFF EXCHANGE the carrier will be sending you the new 2020 rates and plans soon.
Call or text me with any questions or concerns @ 505-280-5830.
Have a great day!
Matt Boland
Presbyterian 2020 Plans!
Presbyterian 2020 Plans!
We just got the new 2020 Presbyterian plans!
- Members have 6 plans to choose from - 1 Platinum, 1 Gold, 3 Silver, and 1 Catastrophic
- High Deductible Health Plan (Silver 1) can be partnered with a Health Savings Account (HSA) through HealthEquity. For no fee, members can conveniently open and contribute to an HSA to pay for qualifed out-of-pocket medical expenses tax-free.
PHS
has sent your re-enrollment kit personalized for you to your address on
file.
If you wish to keep the same plan you can return the re-enrollment
paperwork back to me via email or fax and I will get to PHS on your
behalf! If you do not do anything the plans will renew on the same plan
or plan that is close to what you currently have.
Dental coverage - A standard Dental plan is now included at no additional cost!
This
dental plan includes preventative and diagnostic care, including
coverage for a dental bitewing x-rays, once comprehensive or periodic
oral examination and one child or adult cleaning each calendar year.
A more comprehensive dental plan is also available for a low monthly
premium starting at $18.15.
Vision Coverage
- Standard and Pediatric plans are included at no cost! A premium plan
for materials (glasses or contact lenses) is available for $7.13 per
member / month over the age of 19.
(Underwritten and Administered by VSP)
- - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - -
Open Enrollment season will only be from November 1st, 2019 to December 15th, 2019.
Since our Open Enrollment is short it is paramount that you book an appointment with me ASAP!
Even if you are satisfied with your current plan I encourage you to set up an appointment with me.
As carriers always have the opportunity to change their plans and adjust their premiums.
So a plan that may be the best cost and fit for you in 2019 may not be the case in 2020.
- If you are an ON EXCHANGE member dealing with healthcare.gov. You MUST book an appointment with me! Your plan will not roll over you MUST reselect the health plan that you want to move forward with in 2020.
- If you are OFF EXCHANGE the carrier will be sending you the new 2020 rates and plans soon.
Call or text me with any questions or concerns @ 505-280-5830.
Have a great day!
Matt Boland
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2020 Inside Scoop !
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Sunday, May 19, 2019
What is Health Sharing !
Thousands of individuals, families, churches and organizations rely on each other for their medical needs.
We provide the opportunity to give because good is always returned.
How it works is simple.
Individuals, couples, families, churches and organizations contribute financially into the members’ escrow account and we act as the neutral escrow agent for the members.- Members’ medical needs are shared according to the Membership Guidelines and escrow instructions.
- Members are asked to submit a monthly contribution.
- Members present their Membership ID card when medical services are received and the provider submits the medical need according to the instructions on the back of the card.
Find out more on Altrua Health Share: Click Here !
Friday, May 17, 2019
Conviction Information on Job Applications
Conviction Information on Job Applications
On April 3, 2019, New Mexico Governor Michelle Lujan Grisham signed legislation (S.B. 96) amending the state’s Criminal Offender Employment Act by both:- Prohibiting private employers form inquiring about an applicant’s history of arrest or conviction on an initial job application; and
- Providing a grievance process for violations.
Read NM S.B. 96
Medical Marijuana and Employment Protections
Medical Marijuana and Employment Protections
On April 4, 2019, New Mexico Governor Michelle Lujan Grisham signed legislation (S.B. 406) enacting the following employment protections within the Lynn and Erin Compassionate Use Act (New Mexico’s Medical Cannabis Program):- It is unlawful for an employer to take an adverse employment action against an applicant or an employee based on conduct allowed under the state’s medical cannabis program unless failure to do so would cause the employer to lose a monetary or licensing-related benefit under federal law or regulations.
- However, the law does not:
- Restrict an employer’s ability to prohibit or take adverse employment action against an employee for use of, or being impaired by, medical cannabis on the premises of the place of employment or during the hours of employment; or
- Apply to an employee whose employer deems that the employee
works in a safety-sensitive position.
Read NM S.B. 406
New Mexico Employment Law Update 2019
New Mexico Employment Law Update 2019
April 22nd, 2019
Domestic Service in Minimum Wage Act
On April 4, 2019, New Mexico Governor Michelle Lujan Grisham signed legislation (S.B. 85) amending the New Mexico Minimum Wage Act to remove the exception of domestic service from wage protections.The law is effective June 14, 2019.
Read NM S.B. 85
Friday, June 2, 2017
Tax Credit for Small Businesses
| Senate Introduces Small Business Tax Credit Companion Bill |
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Last week, Senator Debbie Stabenow (D-MI) introduced S. 1254, legislation to expand the ACA’s Small Business Tax Credit (SBTC), joining H.R. 432,
companion legislation introduced in January by Representative Suzan
DelBene (D-WA). The SBTC was included as part of the ACA to encourage
small employers to provide health insurance to their employees, as
roughly half of small employers offer health benefits to their workers.
Unfortunately, many employers have been unable to claim the credit due
to the current eligibility limitations. These bills would expand the
availability of the SBTC to more small employers to help more employers
claim the credit and offer their employees coverage. Currently, credits are available to eligible small employers of up to 25 full-time equivalent employees (FTEs) that pay an average annual wage of less than $50,000. Full credits are available to eligible small employers of up to 10 FTEs with an average annual wage of $25,000 or less. As a result of these limited qualification parameters, many employers who wanted to be able to access the SBTC simply don’t qualify, which has resulted in fewer employers claiming the credit than had been expected. Initial projections showed that as many as 4 million small employers would claim the credit through 2019, claiming $40 billion worth of credits; however, there has been less than $1 billion actually claimed. Most small employers who didn’t claim the credit said it was because the wage eligibility standards were too stringent, while others cited the overly complicated process for calculating the credit, which discouraged many from even applying. Stabenow’s bill would provide a 50% credit for all businesses with 50 or fewer employees, with a phase-out starting at $50,000 in average wages. The bill would further strike the two-year limit for the tax credit, allowing employers to claim the credit on an annual basis. DelBene’s bill would only increase the length that employers could claim the credit from two to three years, instead of in perpetuity. Her bill would also tie the calculation to up to 330% of the federal poverty level ($80,190 for a family of four), increase the threshold for eligible individuals from 10 to 20, and raise the size of businesses eligible from 25 to 50. Additionally, DelBene’s bill would eliminate the requirement that employers contribute the same percentage of the cost for each employee’s plan and simplify calculations by eliminating the current cap of employer contributions to average premiums in the state. Senators Gary Peters (D-MI) and Tammy Baldwin (D-WI) joined Senator Stabenow as original cosponsors to S. 1254. Peters had previously been the primary sponsor of House legislation when he served in that chamber. Joining Representative DelBene on the House bill included Representatives Ron Kind (D-WI), Dutch Ruppersberger (D-MD), and Ann Kuster (D-NH) as original cosponsors. Additional cosponsors include Peter DeFazio (D-OR), Raul Grijalva (D-AZ), Derek Kilmer (D-WA), Ed Perlmutter (D-CO), Adrian Espaillat (D-NY), Joe Courtney (D-CT), Brian Higgins (D-NY), and Mike Thompson (D-CA). NAHU supports this legislation to expand the availability of the SBTC to give small employers meaningful access to affordable coverage for their employees. |
Wednesday, May 31, 2017
Travel Insurance: Don't Leave Home without it !
Great Travel Insurance Article
Prevention is better than cure: So the saying
goes.
What if you have to curtail your most longed trip, just because
you are sick or have to come back for some inevitable reasons? And all
that costs you so high that you finally lose all your savings. Unlike
health insurance, we hardly pay any attention to travel insurance. While
planning for all other travel expenses we often ignore the most
important thing—self protection.
Travel insurance helps when you fall sick or injured; lose or damage
your luggage; or your air delays while on holiday. Some travel
insurances also cover expenditures if you curtail or cancel your trip in
certain situations. So in order to avoid extra expenditure, and meet
your health needs which can be very expensive in the country you are
holidaying, travel insurance is inevitable. Usually, travel insurance
incurs medical, dental expenses and arranges expenditures related to
aeromedical evacuation to the travelers, under conditions specified by
the insurance policy.
It is always good to buy a comprehensive travel insurance policy in
order to avoid high expenses associated with aeromedical evacuation, and
medical and dental treatment abroad. But, before buying any travel
policy every traveler is advised to analyze the policies carefully and
ensure what is covered and check out for any exclusions. Particularly,
the travelers who work overseas, or some one who is involved in
dangerous jobs, and those traveling for exotic sporting activities
should prefer a special travel plan.
Now, what are the things generally covered by a travel insurance? Though
the terms and conditions of policies varies from one provider to other,
any good travel insurance plan is likely to give coverages that include
hospital and other medical treatment expenses during a trip, outside
his country, delays and curtailment coverage; compensation for lost or
damaged luggage and belongings; and 24-hour helpline for medical and
legal assistance. However, an insurance policy may not pay any
compensation if luggage is stolen due to deliberate negligence. Same
way, they may not pay if a traveler changes his mind to travel. Above
all, the main thing to be considered is whether the travel insurance
policy covers all the needs of travelers or not.
In cases when a traveler has gold credit card or some other insurance
policies that also include travel insurance, then the traveler need not
go for another simple insurance, but he should consider whether the
policy covers hazardous recreations, such as rafting, mountaineering,
skiing, diving, para gliding, hang gliding etc.
It is a common assumption that travel insurances are very expensive, and
people usually do not interpret any adverse situation. So, most of the
people often neglect buying travel insurance policies.
Again people have
a tendency to spend as little as possible to make a trip, may be
because of the monetary constraints. However, prevention is always
better, who knows what waits! The traveler may have to spend much more
than the amount he plans to actually spend as travel expenses. Availing
insurance for travel concerns help travelers in innumerable ways to sort
out financial and physical problems that may arise while traveling.
Author: Pallavi Borgohain
About the author or the publisher
Pallavi Borgohain is basically a freelance content writer contributing promotional write-ups to various Web portals and magazines. A Masters in English literature, the author started her career as a feature writer of various newspapers and magazines. Moreover, the author is quite popular as a children book writer and for her contributory write-ups on humanities and electronic gadgets.The author can be contacted in destinypallavi2006@gmail.com
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