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Warning: curl_setopt() [function.curl-setopt]: CURLOPT_FOLLOWLOCATION cannot be activated when in safe_mode or an open_basedir is set in /home/perotto/public_html/includes/simplepie.inc on line 1801 EMILY's List Launches Campaign Against Nev. Congressional Candidate Heck 9 Sep 2010EMILY's List is launching a two-week television ad campaign in Nevada that portrays Republican House candidate Joe Heck as hostile toward women's health issues, Politico reports. EMILY's List, which supports female candidates who are in favor of abortion rights, is backing Heck's opponent, Democratic incumbent Rep. Dina Titus...Today's Opinions: Helping Small Business Afford Health Care; Improving Hospital Infection Rates; Paying For End-Of-Life Planning 9 Sep 2010Boosting Health Insurance Access Kansas City Star Small business owners understandably are nervous about changes coming with health care reform. But then again, health care headaches are nothing new in their world. The good news is that recent studies suggest the new Affordable Care Act is likely to help people who work for small businesses...HHS Has Guidance On Annual Limits 9 Sep 2010The Hill's Healthwatch: The Department of Health and Human Services has issued guidance on how insurers can get waivers from health law-mandated restrictions on annual limits. "The new law creates temporary restrictions on health plans starting Sept. 23. But the law also allows the annual limits to be waived 'if compliance ...Health Reform Myths Debunked 9 Sep 2010The Associated Press examines political ads on health reform. "With the country sharply divided over the sweeping new insurance law, Republicans and their allies are taking to the airwaves to attack it as elections near, often resorting to exaggeration and omissions to make their points." For instance, one ad claims that Democrat Rep...Health Reform Politics: GOP Campaigning Against Law; Dems Have Mixed Strategy 9 Sep 2010The Associated Press: "Even if Republicans succeed beyond any current predictions and capture both the Senate and the House, they wouldn't have enough GOP votes to overcome President Barack Obama's veto." But, they could exercise the "congressional power of the purse, denying the administration billions of dollars ...OpEds: Health Costs And New Law; Penn. Doctor Supply; Anesthesiologists Vs. Nurses 8 Sep 2010Healthcare Reforms Don't Go Far Enough The Los Angeles TimesSome sort of Medicare-for-all program remains the only equitable way that every American can be provided with adequate and affordable coverage. This wouldn't be socialized medicine and it wouldn't be state-run healthcare (David Lazarus, 9/7). Despite Reform, Health Costs Are Still On The Rise The (Wilmington, Del...State Roundup: Some Premiums Soar In Washington State; Building Boom For Denver Hospitals; Looking For Uninsured Kids 8 Sep 2010The Seattle Times: "Whopping rate increases are coming soon for many people with individual health-insurance policies. Most insurers offering individual policies in the state have asked for and been granted rate increases, effective Oct. 1, according to the state's insurance commissioner. Regence BlueShield's rate increase - an average 16.5 percent - was one of the highest...Few Health Insurance Options For People With Pre-Existing Conditions 8 Sep 2010The Los Angeles Times: "For people with preexisting medical conditions, looking for health insurance in the private market may feel like the ultimate fool's errand. ... When the health reform law takes full effect in 2014, insurers will no longer be able to deny coverage to people with preexisting medical conditions...Candidates Focus On Health Care Politics 8 Sep 2010As candidates ramped up campaigning over Labor Day weekend, news outlets examined the role of the new health law in the 2010 elections...Studies Examine Health Care Use, Quality 8 Sep 2010News outlets offered a variety of articles about health care use and quality. The New York Times: A new study finds "that more than half of the 354 million doctor visits made each year for acute medical care, like for fevers, stomachaches and coughs, are not with a patient's primary physician, and that more than a quarter take place in hospital emergency rooms...Small Businesses Continue To Gauge Health Law Implications 8 Sep 2010Some small business owners remain wary of a health law they do not yet clearly understand, The Kansas City Star reports. "Employers with 50 or more employees know this: The new law has employee coverage mandates looming for them in 2014. Employers with fewer than 50 employees will escape the coverage mandate. But they're not resting easy...Life Insurance Doesn't Have To Be So Complicated 6 Sep 2010This week an insurance research firm reported that ownership in life insurance has reached a 50-year low, with nearly a third of U.S. households not having a form of this financial protection. As the benefits industry begins Life Insurance Awareness Month in September, Unum (NYSE: UNM) shares the concern that this decline exposes working Americans to financial uncertainty...Dr. Douglas Holtz-Eakin, President Of The American Action Forum, To Give Presentation At Healthcare Reform Conference, Washington, DC, Nov. 8-9, 2010 6 Sep 2010Dr. Douglas Holtz-Eakin, President of the American Action Forum and former Director of the Congressional Budget Office, will give a presentation at the upcoming Healthcare Reform: Dealing with Hurdles and Building Up Successes Conference, to be held in Washington, DC, Nov. 8-9, 2010, by GTCbio...Almost Half Of All Americans Use Prescription Drugs Each Month 6 Sep 2010Nearly half of all Americans used at least one prescription drug per month in 2008, according to a study by the Centers for Disease Control and Prevention, Bloomberg reports. That's a 10 percent increase over the preceding decade. Over that time, yearly spending by Americans on drugs doubled to $234 billion. "The two biggest-sellers last year were Pfizer Inc...Today's Opinions: Berwick On Medicare 'Illusion,' Wall Street Journal Sees Wyden Defecting On Health Law 6 Sep 2010Surer Footing For Medicare The Washington Post Under the act, Medicare is stronger than it has been in years, and seniors will get new benefits. That's no illusion; that's progress (Dr. Donald Berwick, 9/3)...Myths, Controversy Surround Health Reform Law 6 Sep 2010News outlets are following the politics and rhetoric surrounding the new health law. NPR reports on six myths perpetuated by some critics of the law. They include: the law helps President Barack Obama raise a private army and that those who want public coverage have to have a microchip implanted. That began with a provision in House-passed bill, which was not in the final bill...Survey: Modest Rise In Health Coverage Costs, But Employees Assume Bigger Burden 6 Sep 2010The Washington Post: "Amid high unemployment and a weak economy, employers have been shifting health care costs to workers, according to a study released Thursday. The premiums that employees pay for employer-sponsored family coverage rose an average of 13.7 percent this year, while the amount that employers contribute fell by 0.9 percent, the survey found...Workers Paying 14% More For Family Health Coverage This Year, USA 3 Sep 2010The US worker is paying an average of $482 extra this year for family health coverage, 14% more than last year, even though total premiums - including what employers contribute - only rose 3% to an average of $13,770 in 2010, according to a survey released by the Kaiser Family Foundation and the Health Research & Educational Trust...Report Finds Foreclosures Harm People's Health In California; Wash. Small Business Health Insurance Program Starts To Sign Up Members 3 Sep 2010San Francisco Chronicle: "A report released Wednesday found foreclosures have not only economic consequences, but create health problems for the people and families involved -- and those effects can ripple throughout a community...Today's OpEds: Medicare Private Plans And The Health Law's Impact On Employer Coverage 3 Sep 2010Debunking Medicare Myths Kaiser Health News What's needed most today in American health care is innovative change which drives up productivity and value. With the right incentives, that's what the private sector can deliver, even as it's been clear for some time that the federal government cannot do likewise (James Capretta, 9/2)...Target Stores Join Field Of Retail Medicine 3 Sep 2010Chicago Tribune: "Target Corp., renewing its push into retail medicine, will open eight new clinics in the Chicago area and Palm Beach, Fla., giving a boost to a form of health care delivery that has seen slower growth amid the economic downturn. The Minneapolis-based retail giant launched its first health clinic four years ago but has not been as aggressive as rivals CVS/Caremark Corp...States And Firms Seek Health Reform Funds While Opposing Law 3 Sep 2010News outlets are reporting that some states and businesses who oppose parts or all of the health reform law are applying for the financial relief it provides...Study: Health Overhaul's Tax Credit For Small Business Could Affect Millions 3 Sep 2010A new Commonwealth Fund report estimates that "about 16.6 million workers are employed by small businesses that are eligible for health insurance tax credits" under the new health law but only 3.4 million of them are at companies that will take advantage of the credits, The Washington Post reports, adding that those businesses already offer their employees health insurance...USA Today: Unprecedented Drop In Medical Spending 3 Sep 2010The growth rate of health spending is at its slowest in a half-century, "a sign that people are forgoing medical care during the recession," according to an "analysis of government data" by USA Today. "Spending on doctors, hospitals, drugs and other medical care climbed at a 2...N.Y. Senator Adds Voice To Concern About Credit Cards, Echoing Cuomo's Health Credit Probe 3 Sep 2010MarketWatch: More warnings about credit cards - including those to pay for health care services - are coming from New York's elected officials. Sen. Charles Schumer sent a letter to the Federal Reserve noting a 256 percent leap in solicitations to consumers for professional and business credit cards...318 Plantation Street • Worcester, MA 01604 • 508-797-3417 |
Group Insurance Pre QuoteMike Perotto, Group Insurance Broker
Group InsuranceOne policy covering a group of individuals, usually employees of the same company, or members of the same association and their dependents. Coverage occurs under a master policy issued to the employer or association. Group HealthHealth insurance provides a broad range of benefits that cover medical bills incurred because of sickness or accidents. Coverage is based on a collection of people, whether assembled by an organization or a business. The cost is spread out among the members of the group. Under federal guidelines, a large employer has 51 or more employees, and a small employer averages 2 to 50 employees in a calendar year. Group DentalA group dental insurance plan will pay for costs of normal dental care as well as damage to teeth from an accident. Coverage is based on a collection of people, whether assembled by an organization or a business. The cost is spread out among the members of the group. Under federal guidelines, a large employer has 51 or more employees, and a small employer averages 2 to 50 employees in a calendar year. Group Life & Accidental DeathLife insurance usually without medical examination, on a group of people under a master policy. An Accidental Death benefit rider provides coverage in the event of death due to accidental injuries (but not illness). Payment is made to the person nominated by the insured. Coverage is based on a collection of people, whether assembled by an organization or a business. The cost is spread out among the members of the group. Under federal guidelines, a large employer has 51 or more employees, and a small employer averages 2 to 50 employees in a calendar year. Group Disability - Short & Long TermA disability insurance policy that covers a group of individuals under a master policy. Group disability coverage is generally less expensive than individual disability coverage; however, benefits are limited to a stated length of time and the maximum monthly income benefit is usually around 50 to 60 percent of earnings. Coverage is based on a collection of people, whether assembled by an organization or a business. The cost is spread out among the members of the group. Under federal guidelines, a large employer has 51 or more employees, and a small employer averages 2 to 50 employees in a calendar year. |
