Medical Loss Ratio Surveys

If you sponsor an Anthem group health insurance plan, keep your eye on the mail.

Medical Loss Ratio (MLR) surveys will be going out soon.
The Affordable Care Act (ACA) requires insurers to categorize group health plans as either small or large – based upon the number of full-time equivalent (FTE) employees they have.  Because the insurers only have data on the employees enrolled in your health plan, they need to survey employers to capture all employees affected by the calculations.  This includes full-time, part-time and seasonal employees.  The information gathered is vital for the insurer to determine the different thresholds established by the ACA.

The data collected will be used to determine whether or not the insurer will be required to issue rebates to either category, so it is important that their calculations be as accurate as possible.  Employers who do not respond to the survey will be categorized based upon the number of employees enrolled in their plan on average for 2014.

By the end of May, Anthem will begin sending the surveys to all fully-insured group clients.  For more details on the survey, read this Frequently Asked Questions (FAQ).

For additional information on MLR’s and other health insurance questions, please feel free to contact me at:

Obamacare Health Insurance in Blufton, IN

Obama Care Health Insurance: Essential Benefits


Since its appearance, Obama Care health insurance has been a controversial subject. There are various pros and cons to it.

If you are thinking about purchasing Obama care health insurance, check out the benefits it provides. To get more information contact a health insurance company if you are in Angola, Auburn, Blufton, Fort Wayne, Huntington, and Kendaville IN.


In case you need hospital care, the Obama Care health insurance offers not only patient care, treatment, and laboratory, but it also covers for the costs of transplants and surgeries. If your parents or grandparents are in need of medical care and you are working long hours, this insurance covers nursing facilities so you don’t need to worry about them.

Attention: Be careful which type of plans you take, because some of them only cover 45 days of medical insurance. Discuss your medical insurance needs with an insurance agent from Angola, Auburn, Blufton, Fort Wayne, Huntington, and Kendaville IN.

Rehabilitative devices and services

You can use Obama Care health insurance for recovering treatments and devices. In case of physical or mental injuries there are multiple therapies to help you or your loved one regain your health and mobility.

When talking about rehabilitation the insurance also covers for treatment in case of an addiction or mental health. So if you or someone in your family needs this kind of help they can get it with the Obama Care health insurance. It includes psychotherapies, behavioral health treatment, counseling, and substance abuse disorder.

Maternity, new born child & pediatric

With Obama Care health insurance you can benefit care during pregnancy, newborn, labor, and delivery. Besides you can enjoy the benefits of having health insurance even after your kid is has grown up. This insurance includes pediatric services as well.

Preventive care

This section of the insurance includes the preventative treatments for multiple diseases. You can get screening for cancer, diabetes, asthma, and many more.

If you are in Angola, Auburn, Blufton, Fort Wayne, Huntington, and Kendaville IN get more information or purchase Obama Care health insurance from a trusted company such as Health Insurance Shop.

Group Health Insurance in Auburn and Huntington, IN

Benefits of group health insurance for business


Are you thinking about getting group health insurance for your business? If so there are several benefits you can get with such an insurance and they will surely raise your interest. If you are in Angola, Auburn, Bluffton, Fort Wayne, Huntington, and Kendallville IN contact a qualified health insurance company for more information.

Reduces absenteeism

Without health insurance it takes longer to get treatment thus your employers will need more days off. Having group health insurance for your employers reduces absenteeism. This is because people without health insurance don’t get easy access to treatments.

Minimizes hiring costs

Hiring new people or training your employers costs you money and is time consuming. With group health insurance you can get discounts for your skilled employees. In some surveys most employers declared that having group health insurance helped them with the recruitment process. Intelligent employers can help you take your business to the next level, but in turn you also have to offer them some benefits. Health insurance is only one of them, so don’t hesitate to offer it when you finally find the right employee for you.

Better morale & atmosphere at work

People who get group health insurance as part of their job contract appear to feel happier and more confident. Although it may look surprising, many employees agree to have smaller paychecks just to get health insurance. They feel safer and loyal to their working environment. This way the productivity in your business can increase. It is a win-win type of situation.

For more information or if you want to purchase group health insurance for your business get in touch with the team from Health Insurance Shop. You can find them in Angola, Auburn, Bluffton, Fort Wayne, Huntington, and Kendallville IN. With the right guided help you can get the group health insurance that fits your business best.

New HSA Limits for 2016

The IRS released updated limits for Health Savings Accounts (HSA) for 2016

Self-Only coverage to remain the same, while Family coverage will increase.

Revenue Procedure 2015-30 was recently released, providing inflation adjustments for Health Savings Accounts (HSA) for the calendar year 2016.  This includes contribution limits and deductible limits for both Self-Only and Family coverage.

Why do carriers have to change the deductibles on plans from year-to-year?  Most often it relates to the minimum deductible for Family coverage as described in the following paragraph.

Family plans that do not meet the high deductible rules. There are some family plans that have deductibles for both the family as a whole and for individual family members. Under these plans, if you meet the individual deductible for one family member, you do not have to meet the higher annual deductible amount for the family. If either the deductible for the family as a whole or the deductible for an individual family member is less than the minimum annual deductible for family coverage, the plan does not qualify as an HDHP.

Example. You have family health insurance coverage in 2013. The annual deductible for the family plan is $3,500. This plan also has an individual deductible of $1,500 for each family member. The plan does not qualify as an HDHP because the deductible for an individual family member is less than the minimum annual deductible ($2,500) for family coverage.  (Source:  IRS Publication 969)

So, for 2016, we can expect that the lowest embedded deductible option to be $2,600 for Self-Only coverage (unchanged from 2015).

For additional information on HSA’s and other health insurance plans, please feel free to contact me at:

Accident Expense Plans

Is your health insurance plan a High Deductible Health Plan?

Are you prepared to pay for the expense of an unexpected accident or injury?Accident Image

Accidents can happen, especially with an active and growing family.  That’s why we suggest you consider supplementing your coverage with an accident expense plan.

Accident expense plans can:

  • Reimburse you for a variety of covered medical expenses related to an accident
  • Help cover deductibles, copays, and other out-of-pocket expenses your major medical insurance plan doesn’t
  • Pays medical benefits to you regardless what major medical insurance you have
  • Often provides a lump sum payment for serious injuries and even death
  • Cost less than a dollar a day

Who is an accident expense plan designed for?

  • Anyone who has a High Deductible Health Plan
  • Anyone who is looking to reduce their out-of-pocket expense for life’s unexpected accidents/injuries
  • YOU!


For more information

or a personal quote, contact

Chris Ivancic

at (260) 484-7010


A Dental Plan Worth Smiling About :-)

Finding dental insurance that covers your needs and at an affordable price can be difficult.

What does it cover?  How much will it pay my dentist?  Will I still have to pay my dentist?  Does my dentist have to be in-network?  Are there waiting periods?  Can I get Orthodontia coverage for my kids?


At Health Insurance Shop, we make finding a dental option for you and your family easy with –

Spirit Dental - Logo

Spirit Dental offers multiple plan options for Individual, Families, and Seniors.

To get a quote and review your options, click the logo above…

Have questions or need assistance enrolling?


Chris Ivancic

(260) 484-7010