The Premier Health Insurance blog is constantly being updated with current and pressing topics, including Affordable Care Act changes, Open Enrollment dates, Medicare information, group health plan updates, as well as articles to help individuals and families get the best value for their hard-earned healthcare dollar.
2018 Employer Group Health Insurance Renewal Checklist
Published September 14, 2016 3487 Views
As more businesses prepare for the process of renewing their group health insurance plan, the topic of ACA compliance becomes increasingly important… just as stressful. Regardless of whether you're offering employee medical benefits for the first time, or well-versed on the ever-evolving tenets of...
If Your Land of Lincoln Health Insurance is Being Cancelled
Published July 28, 2016 2092 Views
With Land of Lincoln officially announcing the cancellation of all health insurance plans on October 1st (including all individual, family and group plans) many are wondering if this is the new norm. You buy a plan, pay the premiums for the better part of a year, only to receive a notice that the...
Choosing the Most Appropriate Life Insurance Policy
Published June 10, 2016 3441 Views
By now it's safe to assume that you don't need any reminders on the importance of having life insurance. Commercials run non-stop from morning to night, painting grim pictures of widowed single-mothers trying desperately to comfort her now fatherless children. Despair-themed scare tactics migh...
Health Insurance After Getting Married
Published May 3, 2016 2259 Views
Getting married is clearly one of the most significant change a person will make during the course of their lifetime. In light of all the planning and preparation that go into weddings, it's understandable that few give consideration to how the marriage will affect their health insurance coverage....
Turning 65 and Preparing for Medicare
Published April 7, 2016 2084 Views
If you're nearing your 65th birthday, it’s safe to assume that you're likely paying more attention to all of the Medicare ads on television. Making the transition from traditional health insurance to Medicare can be a bit overwhelming, and this is especially relevant for those who've recently retir...
Did Your Company Discontinue Life Insurance?
Published March 4, 2016 2258 Views
We took an interesting call the other day, it was from a woman in her late 20's, in a bit of a panic over the fact that her employer, without any real warning, was doing away with the technology firm's company-sponsored life insurance plan. After assuring her that this was actually a very simple an...
Preparing for Your 2016 Group Health Plan Renewal
Published February 18, 2016 2104 Views
Many business owners learned a financially painful lesson last year, while renewing their company's employee health insurance plan: 'tis far better to enter the process prepared, than to sit back and wait to see how much the carriers have raised your premiums. As everyone was warned well in advance...
Importance of Annual Group Health Plan Review
Published February 8, 2016 2258 Views
Anyone who owns a business or manages its employee health insurance plan, will be the first to admit that the process of offering employer-provided coverage has changed immensely over the past few years. Prior to the advent of the Affordable Care Act, the process was already stressful and demanding...
Can I Buy Health Insurance After Open Enrollment Ends?
Published February 3, 2016 2029 Views
Since the advent of open enrollment circa the Affordable Care Act, there have been those who were either unwilling, unknowing or otherwise unable to purchase coverage. For many it was a matter of intense network congestion while attempting to sign-up during the final week. Just as many others didn...
Avoiding Cheap Health Insurance Scams
Published January 19, 2016 2336 Views
With health insurance premiums skyrocketing 20-40% this year, it should come as no surprise that there are organizations preying on those looking for more affordable coverage. In the past few weeks, it has been brought to our attention that some companies are contacting people with offers of low-co...
How Health Insurance Agents Make Open Enrollment Easy
Published December 30, 2015 1953 Views
As many Illinois residents are finding out, buying health insurance during the final month of open enrollment can be one stressful endeavor. Hundreds of thousands of people all trying to get through to carriers at once, with just as much traffic on the healthcare marketplace website. This can resu...
2016 Healthcare Open Enrollment Frequently Asked Questions
Published December 15, 2015 2359 Views
Now that we've officially arrived at the halfway point of this year's open enrollment period, we've had time to gauge some of the more pressing and commonly-voiced concerns. Here are ten of the most frequently asked questions among those shopping for medical insurance, as well as those looking...
Understanding the Difference Between EPO and PPO Health Insurance Plans
Published December 9, 2015 2681 Views
If you've been keeping up with all of the recent and forthcoming health insurance industry changes, you may have come across a term that was brand new to you. EPOs, or Exclusive Provider Organizations, have actually been around for years. In light of ongoing premium increases and large network PPO...
Beware the Final Weeks of Open Enrollment
Published December 2, 2015 2082 Views
If you haven't been holed-up in some remote mountain shack for months, it's safe to assume that you're aware of the widespread changes coming to health insurance in 2016. Premium increase notices have been going out in droves, and countless families and individuals have learned that their plans are...
2016 Rate Increase Expected on Silver Health Insurance Plans
Published November 18, 2015 1916 Views
It's become clear that few people will be exempt from the 2016 health insurance premium increases already in place, and scheduled to take effect after the first of the year. According to a report in the Washington Post, consumers who purchased Silver health plans on the healthcare.gov website can e...
What Makes This Year's Open Enrollment Different?
Published November 11, 2015 2159 Views
Now that we're a few weeks into the 2015-2016 health insurance open enrollment period, it's become clear that this one stands out among the most unique. In this article we're going to review some of the most concerning issues, before shedding some light on how to ensure that your coverage remains a...
Options for Dealing with 2016 Health Insurance Rate Increases
Published November 4, 2015 2170 Views
As more individuals and families receive notifications regarding premium increases on their health and medical insurance, we've received many requests for information on the various options available. Many will see their plan cancelled at the end of the year, while an equally concerning number are...
Blue Cross Blue Shield IL to Cancel Metallic Health Insurance Plans in 2016
Published September 25, 2015 2797 Views
In an announcement made to Illinois health insurance agents recently, Blue Cross Blue Shield of Illinois, the state's largest and most influential health insurance carrier announced that it will no longer be offering large-network PPO coverage to those with Bronze, Silver, Gold or Platinum health pl...
It's Group Health Plan Renewal Time
Published September 14, 2015 2101 Views
For months now, there have been rumors floating around regarding the subject of 2016 group-health premium increases. As many hardworking businesses are finding out right now, these were far from being just speculation. Some businesses are facing renewal increases that range anywhere from 20-40%, a...
Managing Group Health Insurance Premium Increases
Published August 11, 2015 2605 Views
5 Things Your Company Can Do to Keep 2016 Rates Affordable When it was announced that group health insurance premiums would be subject to sharp increases in 2016, an average of 20-40% based on industry chatter, it's safe to assume that small business owners from every industry felt a similar sin...
How the Affordable Care Act Affects Various Economic Groups
Published July 30, 2015 2534 Views
If we have learned anything from our history as an advanced and highly-industrialized society, it is that any measure of sweeping changes enforced on the People will always come with their fair share of wide-ranging speculation. In the case of the Affordable Care Act and US health care reform, ther...
How the Supreme Court Ruling Will Affect Health Insurance Premiums
Published July 9, 2015 1940 Views
By now, most people have come to terms with the fact that health insurance, as we've collectively known it for decades, has been forever changed. Even prior to the 6-3 supreme court ruling in favor of the Affordable Care Act and health insurance tax subsidies, social media and water coolers chats w...
Alternative Funded Group Health Plans for Reduced Premiums
Published June 16, 2015 1944 Views
Since the onset of the Affordable Care Act, many thriving companies have seen their group health rates soar to unexpected and unaffordable levels. By subjecting groups to community ratings, fixed premium increases and other ACA-related stipulations, a concerning number of businesses are now paying...
Buying Health Insurance When You're Self-Employed
Published April 2, 2015 2126 Views
Regardless of whether you've recently left your job to start a small business, or are making plans to branch out on your own, buying health insurance is something that many entrepreneurs will have to deal with; some quite possibly for the first time in their careers. This was a big decision even be...
Choosing the Right Life Insurance Policy
Published March 19, 2015 2089 Views
You certainly don't need us telling you about the importance of protecting your loved ones in the event of an untimely passing. It's an issue that has been well publicized over the years, and is something that many hardworking people worry about every day. Coincidentally, very few know where to st...
IL Open Enrollment Extended One Week
Published February 18, 2015 2355 Views
Now that the 2015 open enrollment is officially closed, it was announced that a limited one-week extension will be granted for those who were not able to sign up for health insurance in time. The extension itself was issued to allow those who experienced technical difficulties during the final week...
Extended Office Hours on Last Day of Open Enrollment
Published February 11, 2015 1985 Views
With the close of the 2015 open enrollment just a few days away, Premier would like to extend a special invitation to those who need last-minute assistance signing up for Illinois health insurance. On Sunday February 15th, our Lisle office will remain open until 9:00 that evening. If you've been p...
As 2015 Open Enrollment Draws to a Close
Published January 27, 2015 1996 Views
With less than three weeks left in the 2015 health insurance open enrollment, it's clear that many people still have lots of questions and concerns when it comes to deciding which coverage is best for their unique situation. In this article we wanted to go over some of the most frequently asked que...
Ensuring Your Medical Insurance is Active on the 1st of the Month
Published December 10, 2014 1982 Views
With the 2015 open enrollment period in full stride, scores of Illinois residents are learning a hard lesson about how the new system of health insurance works. Actually, this particular aspect is not quite that new. But in light of how new the concept of open enrollment is to the general public,...
Health Insurance Renewal Notices & Premium Increases
Published December 2, 2014 2164 Views
During the time leading up to open enrollment, thousands of individuals and families received notices informing them of their options for 2015 health insurance. At face value it's pretty simple: If you like your existing plan, keep it and do nothing. If you don't, you have the freedom to select a...