Coverage

Employees: Learn what’s different in medical, dental coverage during open enrollment: News at IU: Indiana University

Indiana University’s open enrollment period is from Oct. 26 to Nov. 6. The enrollment period is earlier this year to accommodate the changes in IU’s academic calendar due to COVID-19.

During the annual event, IU employees can make changes to their medical and dental insurance, add or remove eligible dependents, determine their needs for their Health Savings Account contribution, decide whether to save money through the Tax Saver Benefit plans, and review and change their personal accident insurance coverage.

Informational mailers were sent to all benefits-eligible employees at their home address earlier this month. Additional information is available from Human Resources. Though not sent via campus mail this year, the traditional informational Open Enrollment Guide is available digitally on the HR website.

No benefits fairs or on-campus presentations are planned because of COVID-19. Instead, HR will offer live webinars as well as an on-demand webinar. Employees can also contact askHR

Read More

Guardian’s PayGuard Plus Extends Disability Coverage to Stay-At-Home Spouses

NEW YORK, Oct. 12, 2020 /PRNewswire/ — Today, The Guardian Life Insurance Company of America® (Guardian Life) unveiled new term disability insurance, PayGuard Plus, with disability protection for a stay-at-home spouse. The Spousal Coverage Program gives existing individual disability policy holders the ability to cover a spouse who does not generate an income. All marriages, including same-sex and civil unions are eligible.

More than 11 million parents in the United States are stay-at-home parents1. According to 2019 data from Salary.com, if someone was to pay a stay-at-home parent for the services they provide, ranging from house manager, chef, tutor, chauffer, nurse, personal assistant and negotiator, their median annual salary would have been $178,2012. If a stay-at-home parent becomes ill or disabled it could be a devastating financial event for a family.

Under the Spousal Coverage Program, the non-income-generating spouse will receive the total disability benefit when, because of sickness or

Read More

Walgreens Launches Find Rx Coverage Advisor to Help Customers Navigate Health Coverage Options

Find Rx Coverage Advisor builds on Walgreens efforts to support patients in maintaining affordable access to medications as health insurance shifts for many

At a time when millions of Americans face unemployment and the loss of health insurance, Walgreens has launched Find Rx Coverage Advisor, a new resource providing personalized guidance to customers seeking information on available health and prescription drug coverage options. With Medicare Part D and individual marketplace open enrollment approaching, Find Rx Coverage Advisor connects eligible customers directly to health plan partners who can assist with questions about enrollment.

This press release features multimedia. View the full release here: https://www.businesswire.com/news/home/20201008005277/en/

Walgreens Launches Find Rx Coverage Advisor to Help Customers Navigate Health Coverage Options (Photo: Business Wire)

“Shifts in health insurance coverage because of job loss, life events or as you qualify for Medicare Part D can be a complicated maze of options,” said Rick Gates, senior vice

Read More

Newly unemployed face loss of health coverage at worst time

Jessica Smith lost her job at Crowne Plaza and the insurance that covered her family, including her 2-year-old son. (IBJ photo/Eric Learned)

Jessica Smith got the bad news in a telephone call in mid-September. Crowne Plaza at Union Station, where she had worked for six years as catering sales manager, told her she would lose her job at the end of the month—and with it, her health insurance.

Smith felt disappointed and in a mild panic. Her employer-sponsored plan covered her husband and 2-year-old son, in addition to herself. She needed to find new coverage fast.

“Losing insurance is a big, big thing,” she said.

But it would not be easy to find a job at another hotel. Downtown hotels have been battered by COVID-19 as dozens of convention and sports events canceled their bookings. Hotels furloughed hundreds of workers in the spring and summer, but allowed many to keep

Read More

More Americans now favor single payer health coverage than in 2019

A majority of Americans continue to say the federal government has a responsibility to make sure all Americans have health care coverage.

And since last year, there has been an increase – especially among Democrats – in the share saying health insurance should be provided by a single national program run by the government.

Majority of Democrats favor a single national government program to provide health care coverage

Pew Research Center asked these questions on a recent survey to understand Americans’ opinions about the federal government’s role in providing health care coverage. For this analysis, we conducted an online survey of 11,001 U.S. adults between July 27 and Aug. 2, 2020.

Everyone who took part is a member of the Center’s American Trends Panel (ATP), an online survey panel that is recruited through national, random sampling of residential addresses. This way nearly all U.S. adults have a chance of selection. The survey is weighted to be representative of the U.S. adult population by gender,

Read More

Gov. Newsom signs law to grow mental health coverage

SACRAMENTO — Gov. Gavin Newsom signed a law on Friday that for the first time in California defines “medical necessity,” a move aimed at requiring private health insurance plans to pay for more mental health and drug addiction treatments.

State and federal laws already require health insurance companies to handle mental health treatments the same as physical health treatments. The California Health Benefits Review Program says 99.8% of people enrolled in private health insurance plans have coverage for mental health and substance abuse disorders on par with other medical conditions.

But those laws don’t define what is “medically necessary” to determine which treatments get covered. Because of that, advocates say private insurers often deny coverage for some mental health and drug abuse treatments based on their own restrictive definitions.

The law requires all private insurers to cover medically necessary mental health and drug addiction treatments. The law says when insurance

Read More

California governor signs law to grow mental health coverage

SACRAMENTO, Calif. (AP) — Gov. Gavin Newsom signed a law on Friday that for the first time in California defines “medical necessity,” a move aimed at requiring private health insurance plans to pay for more mental health and drug addiction treatments.



In this image taken during a video broadcast via Zoom, California Gov. Gavin Newsom signs a law on Friday, Sept. 25, 2020, in Sacramento, Calif.,  that for the first time defines “medical necessity,


© Provided by Associated Press
In this image taken during a video broadcast via Zoom, California Gov. Gavin Newsom signs a law on Friday, Sept. 25, 2020, in Sacramento, Calif., that for the first time defines “medical necessity,” a move aimed at requiring private health insurance plans to pay for more mental health and drug addiction treatments. (Zoom via AP)

State and federal laws already require health insurance companies to handle mental health treatments the same as physical health treatments. The California Health Benefits Review Program says 99.8% of people enrolled in private health insurance plans have coverage for mental health and substance abuse disorders on par with other

Read More

Cheap and Comprehensive Health Care Coverage

Nowadays medical bills are very expensive, so health insurance has become an indispensable part of our daily life. If you are not covered by any health plans, the huge medical bill will let you go bankrupt right away. Whether you are going to choose an individual health insurance or family health care coverage, you need to consider the monthly premium of a specific health plan. Besides basic health coverage, you also need to buy dental insurance. So you certainly will pay much money every month or various health plans. Affordable insurances will save you much money. Though it is not easy to find low-cost as well as comprehensive insurances, it is possible to choose relatively cost-efficient healthcare coverage. Before you finally decide on a specific health plan, you need to ensure that it can fulfill all your basic medical needs.

Buy health or dental insurance through your companies. As your … Read More

Dental Discount Plans: Is AmeriPlan A Legit Alternative to Dental and Health Care Coverage?

Before my career shift to online marketing, I was laid off from my job with an Internet start-up company and found myself with no health insurance and no dental coverage. The irony to this is I had neglected a tooth that had been bothering me for quite awhile when I actually did have dental coverage. So while I had insurance, I simply didn’t use it because… well, I absolutely hate going to the dentist! I also wasn’t going in for my regular cleanings and checkups.

As (un)luck may have it, once I was without dental insurance for the first time in years, the intensity and frequency of the toothaches picked up. I would often find myself awake at night sometimes to the point of tears. I was even fighting with my wife since planned date nights and socializing typically turned into me being agitated and crabby because of the pain. … Read More

Does Full Coverage Dental Insurance Really Mean Full Coverage?

When people think of full coverage dental insurance they sometimes imagine that it will cover all the costs that are associated with dental care. However, much of the time this isn’t the case as these types of insurance tend to be more like a standard dental insurance where not everything is covered by the policy

Full coverage individual dental insurance will work by you taking out an agreement with an insurance company. This agreement will cover you for various treatments. In return you will have to pay a yearly or monthly premium or if it’s through your job then it may be deducted from your salary. When you visit the dentist the dentist may fill out a form for the treatment you have had or you may need to complete one yourself. Either way your insurance company should be able to advise. However, one thing to check before you make … Read More