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Duration : 0:2:18
Its about healthcare networks. A network is a group of providers who have entered into agreements with health coverage providers to charge reduced rates to network patients in exchange for more business. Stay Smart Stay Healthy
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Duration : 0:1:30
Learn how deductibles, copays, co-insurance and maximums work in a fun and easy video format. -Stay Smart Stay Healthy
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Duration : 0:2:42
http://www.staysmartstayhealthy.com COBRA allows you to continue your healthcare coverage for up to 18 months. With COBRA certain people with a disability are allowed 11 additional months. And, even if you choose not to extend your health insurance coverage immediately after you leave your job, you have a grace period in which you can still enroll.
Todays question: What is COBRA and how does it work?
The simple answer is: Its an opportunity to continue your employer-sponsored health insurance when you lose your job.
So, COBRA isnt the venomous, yet charming snake.
Under federal law, COBRA gives you the right to temporarily continue purchasing the group health insurance you had at work when you leave your job due to a qualifying event.
COBRA stands for Consolidated Omnibus Budget Reconciliation Act – which explains why they call it COBRA.
It applies if your company’s group health plan covers 20 or more workers, and in instances of a qualifying event.
These events include having your hours cut,
quitting your job, or being let go for a reason other than gross misconduct, like stealing.
In general, COBRA allows you to continue your coverage for up to 18 months.
Certain people with a disability are allowed 11 additional months. And, even if you choose not to extend your coverage immediately after you leave your job, you have a grace period in which you can still enroll.
Lets say Gary loses his job due to cutbacks because nobody is buying his companys battery-operated flyswatters.
Because losing your job is a qualifying event, Gary can use COBRA to cover himself and his wife, provided she was covered in his health plan at work. Gary’s wife can continue to use COBRA if Gary becomes entitled to Medicare and gives up his group coverage, if there is a divorce or legal separation, or if he goes to that great golf course in the sky.
Dependent children who were covered by his plan can use COBRA in those same cases. They can also extend their coverage when they are no longer considered dependents.
When you use COBRA, you are responsible for paying 100% of the cost, plus an administrative fee. That means you pay what you paid as an employee, plus what your employer paid, plus 2%.
This may still be less expensive than an individual policy with similar coverage, so do your research.
This just in!
With the approval of the new Stimulus Package, COBRAs terms have changed.
Individuals who are eligible for COBRA except those who left their jobs voluntarily may qualify for a 65% subsidy for nine months.
Thats big!
Lets say Gary is laid off from Global Flyswatters, Inc. between September 1, 2008, and December 31, 2009.
He is now qualified to get COBRA coverage for just 35% of the total cost even if he already declined it.
That means, if Gary’s health insurance cost his company $300 a month, and cost Gary $200 a month, his total insurance cost was $500 a month.
Under the new stimulus plan, Gary would be eligible for COBRA for just $175 a month. He’s eligible as long as he isnt what they call a high-income individual that is, a single tax filer with an adjusted gross income of $125,000 or more, or a joint filer with income over $250,000. Not a problem for Gary. To sum it up, when you leave your job due to qualifying events, COBRA gives you the opportunity to continue purchasing the group health insurance you had for yourself and your dependents for a limited time when you leave your job due to a qualified event. Normally, you pay 102% of the cost. But with the new stimulus package, qualified individuals are entitled to a subsidy that covers 65% of the total.
So now you know. Until next time, stay smart and stay healthy.
Duration : 0:3:28
A simple explanation about HSAs, FSAs,and HDHPs. -Stay Smart Stay Healthy
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Duration : 0:2:52
ALTRES and Kaiser Permanente have joined forces to help local businesses cope with the high cost of health care.
Together, we’ve created Smart Choice, a pair of health care plans to help employers control costs and provide the best possible care and coverage for their employees. Smart Choice health plans are only available through ALTRES’ simplicityHR program.
How do I get more details and a rate quote?
Visit http://www.simplicityhr.com. Or you can call us directly at 591-4900 (Oahu) or 1-800-373-1955 (neighbor islands).
Duration : 0:0:31
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In the 1940′s American companies began offering health insurance as part of a more attractive benefits package to workers. -Stay Smart Stay Healthy
Duration : 0:2:17
http://www.staysmarytstayhealthy.com To get more out of your health insurance, just remember youre signing up for a health plan, not a sickness plan. These days, many health insurance companies offer valuable options and incentives to keep you healthy.
Duration : 0:3:22
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Duration : 0:1:51
Drug companies need research money and doctors have to cover their rears from lawsuits. Also many of us lead lifestyles that are unhealthy. By taking charge of our lives and taking better care of ourselves, we can lead longer, healthier lives and spend less on healthcare.
A few simple things you can do include:
Get 8 hours of sleep a night
Eat healthier
Stop smoking
Cut down or eliminate alcohol consumption and
Exercise
Stay Smart Stay Healthy
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Duration : 0:3:20