Tag Archives: Insurance

Zane Advantages Publishes New Info on Oregon Overall health Insurance coverage Exchange Rates

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Park City, Utah (PRWEB) June 04, 2013

Right now, Zane Rewards, Inc. published new info on Oregon Wellness Insurance coverage Exchange Prices. Zane Positive aspects, which offers comprehensive and flexible options to conventional employer sponsored wellness positive aspects, is the leader in defined contribution well being plans and health reimbursement arrangement plans.

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According to Zane Advantages site, Oregon Well being Insurance coverage Exchange released proposed rates for coverage starting 2014. The Oregon Health Insurance Exchange, Cover Oregon, will be Oregon’s marketplace where individuals and tiny firms can shop for overall health insurance coverage plans and obtain access to ACA tax credits and subsidies.

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The Oregon Insurance Division and Department of Customer and Enterprise Solutions (DCBS) recently released proposed wellness plan rates for Oregon individuals, families, and small businesses. The Oregon Overall health Insurance coverage Exchange will open October 1, 2013, for coverage starting January 1, 2014.

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According to the DCBS, thousands of Oregon residents are expected to obtain private insurance policies employing federal monetary help (tax subsidies) through the Oregon Overall health Insurance Exchange. The Oregon Wellness Insurance Exchange intends to give shoppers with a lot more selections, specifically for men and women with pre-existing circumstances, as federal law tends to make all policies assured-situation.

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Oregon Well being Insurance coverage Exchange – Proposed Carriers

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According to Zane Advantages internet site, Oregon presently has a hugely-competitive health insurance market, which will be reflected in the Oregon Well being Insurance coverage Exchange’s offerings. Along with 16 insurers, two (two) Consumer Operated and Oriented Plans (CO-OPS) filed plans and proposed prices with the Oregon Insurance coverage Division. All plans nonetheless call for approval by the Oregon Insurance Division. Carriers and prices will be finalized by July 2013. Proposed carriers in the Portland location for person plans contain FamilyCare Well being Plans, Freelancers Co-Op of Oregon, Health Net Health Plan of Oregon, John Alden Life Insurance Firm, Kaiser Foundation Wellness Plan of the NW, LifeWise Health Program of Oregon, Moda Health Strategy, Oregon’s Wellness Co-Op, PacificSource Health Plans, Providence Overall health Plan, Regence BlueCross BlueShield of Oregon, Time Insurance Company, and Trillium Community Well being Strategy.

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Oregon Overall health Insurance Exchange – Proposed Person Program Prices

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According to Zane Positive aspects internet site, the proposed Oregon Wellness Insurance coverage Exchange prices for individual plans are divided by county, age, and carrier. For the Portland region, a bronze strategy for a 40-year-old, non-tobacco-user averages $ 265/month (prior to person tax subsidies). In 2012, the typical individual policy in Oregon (across all ages, adults and young children) was $ 207/month.

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Oregon Health Insurance Exchange – Proposed Small Business Group Rates

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According to Zane Benefits internet site, the Oregon Health Insurance coverage Exchange also supplied proposed modest company group rates (for organizations with 50 or fewer staff). For the Portland area, a bronze strategy for a 40-year-old, non-tobacco-user single employee averages $ 273/month (before employer contribution). In 2012, the typical single premium for employer-based wellness insurance coverage was $ 421/month (averaged across all ages and Oregon firms).&#13

Click here to study complete write-up.

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About Zane Advantages&#13

Zane Positive aspects was founded in 2006 to supply a revolutionized SaaS (Application-as-a-Service) administration platform (“ZaneHRA”) for Health Reimbursement Arrangements (HRAs) and defined contribution wellness care. The flagship software program gives a one hundred% paperless administration encounter to employers and insurance pros that want to offer you better overall health positive aspects without a conventional group wellness insurance coverage program at lower costs. For more details about ZaneHRA, go to http://www.zanebenefits.com.

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Connected Administrator Press Releases

Mobile Rhino Launches iPad Giveaway for Licensed Insurance Agents

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St. Louis, MO (PRWEB) May 31, 2013

Mobile Rhino (http://www.mobile-rhino.com), the 1st mobile device insurance system offered for sale by means of licensed insurance agents, has launched a technologies giveaway for licensed insurance agents across the country to win.

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The giveaway sweepstakes is run by way of LockerDome, one particular of the fastest developing on-line sports properties in the globe with more than 14 million customers. Agents wishing to enter the contest must merely check out the Mobile Rhino contest page on the LockerDome website and full entry measures to earn entry points. The much more entry points earned, the higher an agent’s probabilities of winning the sweepstakes prizes, which contain an Apple Tv, iPad Mini and iPad.

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Had been quite excited to partner with LockerDome and create a basic, enjoyable way to reward agents for working with Mobile Rhino, stated Dwight Stuckey, creator of Mobile Rhino and president of specialty insurance provider Stuckey &amp Organization. In much less than 30 seconds, licensed agents can safe a possibility to win some of the coolest technologies Apple has to provide.

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The sweepstakes, now reside on LockerDome, will end on June 29, 2013 at 9pm CST. Entrants ought to check back everyday for new choices to earn entry points.

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A single winner will be selected for each and every of the 3 prizes, and the recipients of all three prizes will be notified on July 1, 2013. Pay a visit to the contest’s guidelines web page for official rules and regulations.

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About Mobile Rhino&#13

Mobile Rhino, headquartered in Lake St. Louis, Missouri, is a mobile device insurance item supplying the most total protection on the market place at the very best worth. Mobile Rhino supplies full 6-Point Protection against loss, theft, mechanical malfunctions, electrical malfunctions and accidental damage, and offers digital life protection. Mobile Rhino is sold and managed through a downloadable mobile app and is the first mobile device insurance coverage item offered for sale by means of licensed insurance coverage agents. Mobile Rhino is underwritten by Chartis/AIG and Sedgwick serves as its third-party claims administrator. Mobile Rhino operates out of Stuckey &amp Business, a specialty insurance coverage provider primarily based in Lake St. Louis. For more data, visit http://www.mobile-rhino.com.

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A lot more Administrator Press Releases

America’s Health Insurance coverage Releases Their 2014 Technique for the Health Insurance coverage Industry

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Fort Wayne, IN (PRWEB) Could 29, 2013

Health and Humans Services directives and the response of the main carriers are slowly painting in the image of the future of buying health insurance coverage in America. The latest releases have given Americas Wellness Insurance adequate strong data to release the following directives.&#13

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Successful instantly Americas Health Insurance will provide health insurance plans that bypass Obamacare until 2015. All who are currently paying for their personal insurance are strongly recommended to avail themselves of this opportunity. In most states, it will outcome in a savings of thousands of dollars of premiums.&#13

Americas Well being Insurance will supply a number of plans that are not compliant with the overall health care exchanges. These plans cost less than 50% of what Obamacare metallic plans will price according to the price filings of the a variety of carriers that intend to market place these plans. However, they will offer you exceptional coverage, including advantages without the deductible that all Obamacare plans will have. Americas overall health Insurance coverage internet site will show the price of these plans such as the quantity of the penalty for staying outside regular Obamacare. This will be the ideal choice for millions of Americans.&#13

Americas Well being Insurance coverage will offer you metallic plans off the exchange so individuals that want to will be able to comply with the mandates of Obamacare and nevertheless have expanded access to hospitals and doctors rather of the highly restricted exchange networks. In the subsidy segment above 300% of poverty, the subsidy is so low that most individuals will not feel the two/3 reduction in network size of getting on the exchange will be worth the little savings of the subsidy.

Americas well being Insurance will not be participating in the subsidy exchanges till some of the pressing issues listed beneath are solved.

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Americas Health Insurance coverage wants to participate in the subsidy exchanges. However, most men and women who will be eligible for even the highest level subsidy, will still have to pay $ 70 to $ 140 per month according to Kaiser Foundation Exchange Premium calculator. For those who are not at the lowest level of income, the amount of premium they will be required to pay will escalate substantially. The vast majority of these individuals do not presently pay premiums. Poll after poll shows this segment of the population believes Obamacare will be free to them. There is a fair degree of probability that even this modest cost to the low revenue men and women will preserve them from participating in the exchange. This is a really large difficulty for paying their portion of the premiums on the exchange. This is compounded by the truth numerous who can spend the initial premium will struggle with the ongoing premium payments, deductibles, and other out of pocket expenses due to their low incomes inability to absorb the economic shocks of everyday life. This will outcome in numerous lapsed policies and a huge administrative expense in trying to preserve individuals on their policies. Until these issues are resolved, it tends to make small sense for Americas Overall health Insurance coverage to actively participate in the exchanges, even though we will be certified on the exchanges and eligible to write organization when it is proper.

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Americas Well being Insurance is a nation-wide overall health insurance coverage agency positioned in Fort Wayne, Indiana. They are a single of the leading 3 overall health insurance coverage producers in America. As the Cost-effective Care Act approaches, they are functioning innovatively to bring the ideal possible wellness care coverage for their clients. They have a robust relationship with the leading insurance carriers in the country, which enables them to be on prime of the well being insurance industry. This enables them to offer the absolute ideal products for their customers.

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Americas Overall health Insurance &#13

http://www.ahifw.com&#13

1-888-589-3000

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Federal Housing Administration to Make Mortgage Insurance Premium (MIP) Changes Again on June 3

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Gainesville, FL (PRWEB) May 16, 2013

Chris Doering Mortgage advises Florida homeowners on impending FHA changes.

The Federal Housing Administration has made six changes to its mortgage insurance premiums over the last six years. Each modification has increased the short-term cost of using FHA-backed mortgages. The agency’s next change, however, will change its long-term costs.

Beginning on June 3, the FHA will change its long-standing Annual MIP Cancellation Policy. Certain homeowners will lose their right to cancel the annual MIP. Currently, the Federal Housing Administration requires homeowners to pay annual MIP so long as their loan-to-value is greater than 78 percent, where “value” is equal to the last known value of the home. In addition, if the original mortgage term is greater than 15 years, at least 60 payments must have been made on the mortgage before FHA MIP can be automatically cancelled.

Beginning in June, the FHA will move away from an LTV-based system. The new cancellation policy will be as follows: loans beginning at 90 percent LTV or less will pay annual MIP for 11 years and loans beginning at 90 percent LTV or more will pay annual MIP for the complete loan term. This means that home buyers using the Federal Housing Administration’s 3.5 percent down payment program will pay annual mortgage insurance for the loan’s full 30 years, regardless of whether the home appreciates to the point of having 22 percent equity or more.

Chris Doering Mortgage advises any potential Florida FHA borrowers to apply for an FHA loan at least ten days prior to the June 3 deadline, so they may still reap many of the programs benefits by obtaining an FHA case number.

For more information call the mortgage professionals at Chris Doering Mortgage today at 352-244-0840.

About the company:

Established in April 2007, Chris Doering Mortgage opened its doors in the Jacksonville, FL community with the goal of providing exceptional mortgage lender services, and accountability to a mortgage industry that can be both intimidating and overwhelming for potential customers in the market for home loans.

The commitment to skillfully and ethically deliver the highest quality customer service throughout the mortgage process is second to none with the Chris Doering Mortgage team of professionals. They specialize in FHA loans, current mortgage rates and mortgage refinance options.

The staff is constantly educating themselves on the ever-changing home mortgage landscape and adapting to the changing needs of the real estate industry to meet the expectations of clients. For more information visit their website at http://www.mygatormortgage.com.