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	<title>Health Insurance &#187; deductibles</title>
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	<description>Health insurance news, articles and information</description>
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		<title>Increased Deductibles Results In Lawsuit Against Anthem Blue Cross</title>
		<link>http://www.insuresaver.com/info/increased-deductibles-results-in-lawsuit-against-anthem-blue-cross/</link>
		<comments>http://www.insuresaver.com/info/increased-deductibles-results-in-lawsuit-against-anthem-blue-cross/#comments</comments>
		<pubDate>Tue, 24 Jan 2012 21:03:46 +0000</pubDate>
		<dc:creator>Sandra</dc:creator>
				<category><![CDATA[Federal]]></category>
		<category><![CDATA[General]]></category>
		<category><![CDATA[Laws]]></category>
		<category><![CDATA[Resources]]></category>
		<category><![CDATA[State]]></category>
		<category><![CDATA[Tools]]></category>
		<category><![CDATA[deductibles]]></category>
		<category><![CDATA[health insurance]]></category>
		<category><![CDATA[individual health]]></category>
		<category><![CDATA[premiums]]></category>

		<guid isPermaLink="false">http://www.insuresaver.com/info/?p=445</guid>
		<description><![CDATA[Anthem Blue Cross policyholders who remained on grandfathered plans (those administered by the Department of Managed Health Care rather than the Department of Insurance) faced an unexpected surprise. Along with increased premiums, their plan benefits changed as well. Co pays, deductibles, and out of pocket maximum amounts all increased as a result of these changes. [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<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>
		</item>
		<item>
		<title>Medicare Faces Insolvency As Baby Boomers Enter System</title>
		<link>http://www.insuresaver.com/info/medicare-faces-insolvency-as-baby-boomers-enter-system/</link>
		<comments>http://www.insuresaver.com/info/medicare-faces-insolvency-as-baby-boomers-enter-system/#comments</comments>
		<pubDate>Mon, 11 Jul 2011 19:48:52 +0000</pubDate>
		<dc:creator>Dan</dc:creator>
				<category><![CDATA[Resources]]></category>
		<category><![CDATA[Seniors]]></category>
		<category><![CDATA[Tools]]></category>
		<category><![CDATA[deductibles]]></category>
		<category><![CDATA[health insurance]]></category>
		<category><![CDATA[medicare]]></category>
		<category><![CDATA[medicare supplement]]></category>
		<category><![CDATA[medigap]]></category>

		<guid isPermaLink="false">http://www.insuresaver.com/info/?p=396</guid>
		<description><![CDATA[As baby boomers begin to reach the age of Medicare eligibility, the program designed to cover senior&#8217;s health care faces an overwhelming addition of new enrollees. In fact, this year sees 7,000 new beneficiaries per day. Over the next 20 years 70 million are expected to be eligible for benefits, as compared with 45.2 million [...]]]></description>
		<wfw:commentRss>http://www.insuresaver.com/info/medicare-faces-insolvency-as-baby-boomers-enter-system/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>High Deductible Health Plans and HSA&#8217;s Growing in both Group &amp; Individual Markets</title>
		<link>http://www.insuresaver.com/info/high-deductible-health-plans-and-hsas-growing-in-both-group-individual-markets-2/</link>
		<comments>http://www.insuresaver.com/info/high-deductible-health-plans-and-hsas-growing-in-both-group-individual-markets-2/#comments</comments>
		<pubDate>Thu, 13 Jan 2011 23:26:08 +0000</pubDate>
		<dc:creator>Dan</dc:creator>
				<category><![CDATA[Employees]]></category>
		<category><![CDATA[Employers]]></category>
		<category><![CDATA[Family]]></category>
		<category><![CDATA[Individual]]></category>
		<category><![CDATA[Resources]]></category>
		<category><![CDATA[deductibles]]></category>
		<category><![CDATA[health care costs]]></category>
		<category><![CDATA[health plan]]></category>
		<category><![CDATA[health savings accounts]]></category>

		<guid isPermaLink="false">http://www.insuresaver.com/info/?p=346</guid>
		<description><![CDATA[  According to studies done in 2010, High Deductible Health Plans increased significantly in both the group and individual markets. Many found that taking on higher out of pocket plans greatly reduced their premiums, while not affecting first dollar benefits, such as preventive care or doctor office visits. It was shown that individual enrollment in [...]]]></description>
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		<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>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Grandfathered Plans and Your Options Now</title>
		<link>http://www.insuresaver.com/info/grandfathered-plans-and-your-options-now/</link>
		<comments>http://www.insuresaver.com/info/grandfathered-plans-and-your-options-now/#comments</comments>
		<pubDate>Fri, 24 Sep 2010 21:45:13 +0000</pubDate>
		<dc:creator>Susan</dc:creator>
				<category><![CDATA[Federal]]></category>
		<category><![CDATA[General]]></category>
		<category><![CDATA[Government Run Health Plan]]></category>
		<category><![CDATA[Laws]]></category>
		<category><![CDATA[Resources]]></category>
		<category><![CDATA[Tools]]></category>
		<category><![CDATA[deductibles]]></category>
		<category><![CDATA[health care reform]]></category>
		<category><![CDATA[health insurance]]></category>
		<category><![CDATA[preventative care]]></category>
		<category><![CDATA[Universal Health Care]]></category>

		<guid isPermaLink="false">http://www.insuresaver.com/info/?p=309</guid>
		<description><![CDATA[What does it mean to lose “grandfathered status”?  This may or may not be a concern to you. In a nutshell, this means is your plan will now have to comply with all regulations mandated by health care reform. One of the most important things to know is that along with guarantee issue coverage for [...]]]></description>
		<wfw:commentRss>http://www.insuresaver.com/info/grandfathered-plans-and-your-options-now/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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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Anthem Blue Cross PPO Share Plan Changes</title>
		<link>http://www.insuresaver.com/info/anthem-blue-cross-ppo-share-plan-changes/</link>
		<comments>http://www.insuresaver.com/info/anthem-blue-cross-ppo-share-plan-changes/#comments</comments>
		<pubDate>Mon, 16 Nov 2009 18:32:08 +0000</pubDate>
		<dc:creator>Carol</dc:creator>
				<category><![CDATA[Family]]></category>
		<category><![CDATA[Individual]]></category>
		<category><![CDATA[Resources]]></category>
		<category><![CDATA[Coinsurance]]></category>
		<category><![CDATA[deductibles]]></category>
		<category><![CDATA[heath insurance]]></category>
		<category><![CDATA[maternity]]></category>

		<guid isPermaLink="false">http://www.insuresaver.com/info/?p=176</guid>
		<description><![CDATA[Anthem Blue Cross has discontinued some of their PPO Share (maternity) plans in California, and although you may keep your current coverage, you may find the rates higher than you anticipated. In this case, new plans have been designed to offer comparable coverage with lower premiums. For instance, those individuals and families on the PPO [...]]]></description>
		<wfw:commentRss>http://www.insuresaver.com/info/anthem-blue-cross-ppo-share-plan-changes/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>H1N1 Flu Vaccine and Your Insurance Plan</title>
		<link>http://www.insuresaver.com/info/h1n1-flu-vaccine-and-your-insurance-plan/</link>
		<comments>http://www.insuresaver.com/info/h1n1-flu-vaccine-and-your-insurance-plan/#comments</comments>
		<pubDate>Mon, 12 Oct 2009 18:08:28 +0000</pubDate>
		<dc:creator>Susan</dc:creator>
				<category><![CDATA[General]]></category>
		<category><![CDATA[Resources]]></category>
		<category><![CDATA[Tools]]></category>
		<category><![CDATA[Coinsurance]]></category>
		<category><![CDATA[deductibles]]></category>
		<category><![CDATA[preventative care]]></category>
		<category><![CDATA[wellness]]></category>

		<guid isPermaLink="false">http://www.insuresaver.com/info/?p=167</guid>
		<description><![CDATA[Many carriers have released information that they will be covering the H1N1 virus (swine flu) vaccine and all administrative costs associated with obtaining the vaccine. Although focus will start with clients at most risk, all members will be ultimately covered. The two anti-viral medications, Tamiflu and Relenza, both offered in a generic formula as well, [...]]]></description>
		<wfw:commentRss>http://www.insuresaver.com/info/h1n1-flu-vaccine-and-your-insurance-plan/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Understanding Insurance Terms</title>
		<link>http://www.insuresaver.com/info/understanding-insurance-terms/</link>
		<comments>http://www.insuresaver.com/info/understanding-insurance-terms/#comments</comments>
		<pubDate>Fri, 05 Jun 2009 20:48:53 +0000</pubDate>
		<dc:creator>Carol</dc:creator>
				<category><![CDATA[General]]></category>
		<category><![CDATA[Resources]]></category>
		<category><![CDATA[Coinsurance]]></category>
		<category><![CDATA[deductibles]]></category>
		<category><![CDATA[HMO plan]]></category>
		<category><![CDATA[ppo]]></category>
		<category><![CDATA[ppo plan]]></category>

		<guid isPermaLink="false">http://www.insuresaver.com/info/?p=89</guid>
		<description><![CDATA[We all know how confusing insurance terminology can be. Here is a short list of the most commonly used terms to help you better understand the fine print on your policy: HMO: refers to Health Maintenance Organization. HMO&#8217;s provides comprehensive health care by network physicians to those in a particular geographic area. With an HMO, [...]]]></description>
		<wfw:commentRss>http://www.insuresaver.com/info/understanding-insurance-terms/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
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