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	<title>Health Insurance &#187; Group</title>
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	<description>Health insurance news, articles and information</description>
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		<item>
		<title>Help Prevent Mistakes During Your Open Enrollment</title>
		<link>http://www.insuresaver.com/info/help-prevent-mistakes-during-your-open-enrollment/</link>
		<comments>http://www.insuresaver.com/info/help-prevent-mistakes-during-your-open-enrollment/#comments</comments>
		<pubDate>Thu, 10 Nov 2011 17:58:52 +0000</pubDate>
		<dc:creator>Susan</dc:creator>
				<category><![CDATA[Employees]]></category>
		<category><![CDATA[Employers]]></category>
		<category><![CDATA[Group]]></category>
		<category><![CDATA[deductibles]]></category>
		<category><![CDATA[group health]]></category>
		<category><![CDATA[health plan]]></category>
		<category><![CDATA[health savings accounts]]></category>
		<category><![CDATA[premiums]]></category>

		<guid isPermaLink="false">http://www.insuresaver.com/info/?p=424</guid>
		<description><![CDATA[A surprising number of employees make vital errors during their company’s open enrollment process, often resulting in unexpected out of pocket costs. By not understanding deductibles, coinsurance, or premiums amounts responsible out their own pockets, many find out too late that they have made an error and must wait until their next anniversary date to [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Health Insurance Regulation in California Under Health Care Reform</title>
		<link>http://www.insuresaver.com/info/health-insurance-regulation-in-california-under-health-care-reform/</link>
		<comments>http://www.insuresaver.com/info/health-insurance-regulation-in-california-under-health-care-reform/#comments</comments>
		<pubDate>Tue, 13 Sep 2011 18:25:32 +0000</pubDate>
		<dc:creator>Dan</dc:creator>
				<category><![CDATA[Federal]]></category>
		<category><![CDATA[General]]></category>
		<category><![CDATA[Government Run Health Plan]]></category>
		<category><![CDATA[Group]]></category>
		<category><![CDATA[Laws]]></category>
		<category><![CDATA[Resources]]></category>
		<category><![CDATA[group health]]></category>
		<category><![CDATA[health care costs]]></category>
		<category><![CDATA[health care reform]]></category>
		<category><![CDATA[premiums]]></category>
		<category><![CDATA[Universal Health Care]]></category>

		<guid isPermaLink="false">http://www.insuresaver.com/info/?p=421</guid>
		<description><![CDATA[Health care administration under the Affordable Care Act is tricky enough, but none more so than in California. Currently there are two options for the golden state – either consolidating into one regulatory agency or combining between two agencies, the California Department of Insurance (CDI) and Department of Managed Health Care (DMHC), to properly maintain [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Top Employee Wellness Concerns</title>
		<link>http://www.insuresaver.com/info/top-employee-wellness-concerns/</link>
		<comments>http://www.insuresaver.com/info/top-employee-wellness-concerns/#comments</comments>
		<pubDate>Wed, 04 May 2011 20:26:57 +0000</pubDate>
		<dc:creator>Candace</dc:creator>
				<category><![CDATA[Employees]]></category>
		<category><![CDATA[Employers]]></category>
		<category><![CDATA[Group]]></category>
		<category><![CDATA[Resources]]></category>
		<category><![CDATA[Tools]]></category>
		<category><![CDATA[added benefits]]></category>
		<category><![CDATA[preventative care]]></category>
		<category><![CDATA[wellness]]></category>

		<guid isPermaLink="false">http://www.insuresaver.com/info/?p=386</guid>
		<description><![CDATA[While preventive screenings are now an integral part of (most) health care policies, employees are still bearing the brunt of stressful job environments, and lack of exercise. Obesity continues to rise, even with all of the education available to us. Add to that the added dangers of stress on a taxed body and mind, and [...]]]></description>
		<wfw:commentRss>http://www.insuresaver.com/info/top-employee-wellness-concerns/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
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		<title>California Sees Rise in HMO Premiums</title>
		<link>http://www.insuresaver.com/info/california-sees-rise-in-hmo-premiums/</link>
		<comments>http://www.insuresaver.com/info/california-sees-rise-in-hmo-premiums/#comments</comments>
		<pubDate>Fri, 04 Mar 2011 21:39:38 +0000</pubDate>
		<dc:creator>Sandra</dc:creator>
				<category><![CDATA[Employees]]></category>
		<category><![CDATA[Employers]]></category>
		<category><![CDATA[Group]]></category>
		<category><![CDATA[Individual]]></category>
		<category><![CDATA[Resources]]></category>
		<category><![CDATA[Tools]]></category>
		<category><![CDATA[group health]]></category>
		<category><![CDATA[health care costs]]></category>
		<category><![CDATA[HMO plan]]></category>
		<category><![CDATA[premiums]]></category>

		<guid isPermaLink="false">http://www.insuresaver.com/info/?p=369</guid>
		<description><![CDATA[Employers are constantly searching for ways to bring down the cost for group health insurance premiums. While the answer used to be “switch to an H.M.O”, this is no longer the case. While H.M.O. plans used to offer much lower premiums because patients were limited in where they could go for care, the rates for [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Long Term Care Costs Continue To Rise</title>
		<link>http://www.insuresaver.com/info/long-term-care-costs-continue-to-rise/</link>
		<comments>http://www.insuresaver.com/info/long-term-care-costs-continue-to-rise/#comments</comments>
		<pubDate>Thu, 20 Jan 2011 23:32:02 +0000</pubDate>
		<dc:creator>Sandra</dc:creator>
				<category><![CDATA[General]]></category>
		<category><![CDATA[Group]]></category>
		<category><![CDATA[Individual]]></category>
		<category><![CDATA[Resources]]></category>
		<category><![CDATA[Seniors]]></category>
		<category><![CDATA[Tools]]></category>
		<category><![CDATA[Chronic Condition]]></category>
		<category><![CDATA[health care costs]]></category>
		<category><![CDATA[long term care]]></category>

		<guid isPermaLink="false">http://www.insuresaver.com/info/?p=354</guid>
		<description><![CDATA[  The good news? People are living longer. The bad? Costs for Long Term Care (LTC) are increasing steadily with each passing years, outpacing inflation. Should you need care after an accident or illness, you may find that savings can rapidly deplete when paying for the care you need. It is estimated that over two-thirds [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Disability Insurance Provides Peace of Mind Protection</title>
		<link>http://www.insuresaver.com/info/disability-insurance-provides-peace-of-mind-protection/</link>
		<comments>http://www.insuresaver.com/info/disability-insurance-provides-peace-of-mind-protection/#comments</comments>
		<pubDate>Thu, 16 Dec 2010 23:04:31 +0000</pubDate>
		<dc:creator>Candace</dc:creator>
				<category><![CDATA[Employers]]></category>
		<category><![CDATA[Family]]></category>
		<category><![CDATA[General]]></category>
		<category><![CDATA[Group]]></category>
		<category><![CDATA[Individual]]></category>
		<category><![CDATA[Resources]]></category>
		<category><![CDATA[added benefits]]></category>
		<category><![CDATA[disability]]></category>
		<category><![CDATA[group health]]></category>
		<category><![CDATA[wellness]]></category>

		<guid isPermaLink="false">http://www.insuresaver.com/info/?p=331</guid>
		<description><![CDATA[  While many of us know the importance of protecting ourselves against unexpected medical expenses, we tend to overlook the added fact that while we recover from an accident or illness, we are going to lose our income. Sometimes an illness or injury can keep you from working for years, and the added stress of [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Mini Medical Plans Face Extinction Due To Health Care Reform</title>
		<link>http://www.insuresaver.com/info/326/</link>
		<comments>http://www.insuresaver.com/info/326/#comments</comments>
		<pubDate>Thu, 09 Dec 2010 23:01:03 +0000</pubDate>
		<dc:creator>Carol</dc:creator>
				<category><![CDATA[Employers]]></category>
		<category><![CDATA[Federal]]></category>
		<category><![CDATA[Group]]></category>
		<category><![CDATA[Laws]]></category>
		<category><![CDATA[group health]]></category>
		<category><![CDATA[health care reform]]></category>
		<category><![CDATA[health insurance]]></category>
		<category><![CDATA[preventative care]]></category>

		<guid isPermaLink="false">http://www.insuresaver.com/info/?p=326</guid>
		<description><![CDATA[  While the Patient Protection and Affordable Care Act (PPACA) requires that plans remove annual and lifetime limits on plans, many part time and seasonal workers are now faced with the possibility of losing their medical coverage altogether. Many large employers, such as Disneyland and McDonald’s, do make an offer of some very basic coverage [...]]]></description>
		<wfw:commentRss>http://www.insuresaver.com/info/326/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Should You Grandfather Your Group Plan?</title>
		<link>http://www.insuresaver.com/info/should-you-grandfather-your-group-plan/</link>
		<comments>http://www.insuresaver.com/info/should-you-grandfather-your-group-plan/#comments</comments>
		<pubDate>Thu, 21 Oct 2010 17:25:47 +0000</pubDate>
		<dc:creator>Dan</dc:creator>
				<category><![CDATA[Employers]]></category>
		<category><![CDATA[Federal]]></category>
		<category><![CDATA[Government Run Health Plan]]></category>
		<category><![CDATA[Group]]></category>
		<category><![CDATA[Laws]]></category>
		<category><![CDATA[added benefits]]></category>
		<category><![CDATA[Coinsurance]]></category>
		<category><![CDATA[deductibles]]></category>
		<category><![CDATA[group health]]></category>
		<category><![CDATA[health care reform]]></category>
		<category><![CDATA[preventative care]]></category>
		<category><![CDATA[Universal Health Care]]></category>

		<guid isPermaLink="false">http://www.insuresaver.com/info/?p=313</guid>
		<description><![CDATA[Many small business owners are now facing the tough decision as to whether they should grandfather their plans, or make necessary changes to bring down their costs. There are pros and cons to both sides, and the decision should not be a rushed one. Therefore, we want to provide some guidance tools to help you [...]]]></description>
		<wfw:commentRss>http://www.insuresaver.com/info/should-you-grandfather-your-group-plan/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Expired COBRA Subsidy Leads to Coverage Lapses</title>
		<link>http://www.insuresaver.com/info/expired-cobra-subsidy-leads-to-coverage-lapses/</link>
		<comments>http://www.insuresaver.com/info/expired-cobra-subsidy-leads-to-coverage-lapses/#comments</comments>
		<pubDate>Tue, 14 Sep 2010 16:49:31 +0000</pubDate>
		<dc:creator>Candace</dc:creator>
				<category><![CDATA[Employees]]></category>
		<category><![CDATA[Federal]]></category>
		<category><![CDATA[Group]]></category>
		<category><![CDATA[Laws]]></category>
		<category><![CDATA[Resources]]></category>
		<category><![CDATA[COBRA]]></category>
		<category><![CDATA[health care costs]]></category>
		<category><![CDATA[health insurance]]></category>
		<category><![CDATA[pre-existing]]></category>

		<guid isPermaLink="false">http://www.insuresaver.com/info/?p=292</guid>
		<description><![CDATA[The COBRA subsidy program remains in limbo, and as a result many enrollees are choosing to discontinue coverage altogether. This program, which was intended for anyone terminated from September 1, 2008 to May 31, 2010, offered a 65% subsidy for up to 15 months. The subsidy, however, would be less for anyone whose modified gross income exceeds [...]]]></description>
		<wfw:commentRss>http://www.insuresaver.com/info/expired-cobra-subsidy-leads-to-coverage-lapses/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Rules Governing Grandfathered Health Plans</title>
		<link>http://www.insuresaver.com/info/278/</link>
		<comments>http://www.insuresaver.com/info/278/#comments</comments>
		<pubDate>Mon, 30 Aug 2010 17:42:49 +0000</pubDate>
		<dc:creator>Candace</dc:creator>
				<category><![CDATA[Employees]]></category>
		<category><![CDATA[Employers]]></category>
		<category><![CDATA[Federal]]></category>
		<category><![CDATA[Government Run Health Plan]]></category>
		<category><![CDATA[Group]]></category>
		<category><![CDATA[Laws]]></category>
		<category><![CDATA[Coinsurance]]></category>
		<category><![CDATA[deductibles]]></category>
		<category><![CDATA[group health]]></category>
		<category><![CDATA[health care reform]]></category>
		<category><![CDATA[Universal Health Care]]></category>

		<guid isPermaLink="false">http://www.insuresaver.com/info/?p=278</guid>
		<description><![CDATA[One outstanding declaration in President Obama’s health care reform plan is the promise people who like their current health plan will have the option to keep it. How will this work? The plan is to grandfather in policies in order to “protect the ability of individuals and businesses to keep their current plan while providing [...]]]></description>
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