How much time and money does it take for a new startup (<50 employees) to fill out the paperwork to become a group for the purpose of negotiating for health insurance for their founders and employees?

I'm not sure if this is a purely exploratory question or if you're inferring that you're planning on navigating the group health insurance market without the assistance of a broker. If the latter, I'd caution against it for several reasons (which I'll omit for now for the sake of brevity).To get a group quote, generally all that's needed is an employee census. Some states apply a modifier to the rate depending on the overall health of the group members (for a very accurate quote, employees may need to fill out general health statements).Obtaining rates themselves can take a few minutes (for states like CA which don't have a signNow health modifier) to several days.I suspect your cor question is the time/effort required once you've determined the most appropriate plan design for your company. This is variable depending on how cohesive your employee base is.Best case scenario - if all employees are in one location and available at the same time, I could bring an enrollment team and get all the paperwork done in the course of 1-3 hours depending on the size of your group. In the vast majority of cases, the employer's paperwork is typically around 6 pages of information, and the employee applications about 4-8 pages. Individually none of them take more than several minutes to complete.Feel free to contact me directly if you have specific questions or concerns.

Do the HIPAA laws prohibit Health Insurance companies from allowing members to fill out and submit medical claim forms on line?

No, nothing in HIPAA precludes collecting the claim information online.However, the information needs to be protected at rest as well as in-flight. This is typically done by encrypting the connection (HTTPS) as well the storage media

Obamacare Rollout & Struggles (2013–14): Will employers have to cover 100% health insurance for full-time employees under Affordable Care Act? What is the current protocol/law? How much on average will health insurance cost employers and employees?

Employers are not required to provide Health Insurance for their employees. If they have over 50 employees working 30 hours or more then they are supposed to provide health insurance. If they don't they have to pay a fine per each employee. Penalty for not providing insurance: Employers with over 50 employees that do not provide insurance must pay a penalty of $2,000 for every employee in the company if even one employee opts to obtain insurance through an exchange. However, the first 30 employees are not counted in calculation of the penalty. Example: an employer with 75 employees would pay the penalty for 45 workers, or $90,000 (45 x $2.000).The Health Care Reform Bill Becomes Law: What It Means for EmployersHealth care insurance is not cheap. Most employers that offer it pay a large portion of the premium and the employee pays the difference. This even applies to dependent coverage. It therefore is not out of the realm of possibility for an employer licking in $400 a month per employee. From the example above, if the employer is NICE, 75 employees times $4,800 each per year comes to a cost of $360,000 for all 75 employees. 400 * 12 = 4800. $4800 * 75 = $360,000 If you were an employer struggling to make ends meet wood you choose to pay $360,000 for insurance for your employees or from the example above, $90,000?ObamaCare was set up to entice employers to go for the penalties. Why not? Doing this however drives the health insurance system to the single payer system which is Obama's plan for America. Socialized medicine like Europe and Canada which sucks is his fondest wish in his 'Hope and Change' agenda for the country.At least that's how I see and understand what's going down in the Affordable Care Act.

What are some reasons that a health insurance company would ask for a pre-authorization form to be filled out by a Dr. before filling a prescription?

One common reason would be that there is a cheaper, therapeutically equivalent drug that they would like you to try first before they approve a claim for the prescribed drug. Another reason is that they want to make sure the prescribed drug is medically necessary.Remember that nothing is stopping you from filling the prescribed drug. It just won't be covered by insurance until the pre-authorization process is complete.

Can someone provide me the property disclosure form which is to be filled out by the employees of the UP government as per the instructions by the new CM?

It will be available in the UP Government website. Further you can email or tweet to the Chief Minister of UP requesting for the particular information. The CM is a committed social worker and leads the life a yogi, so everything is transparent about him and his Government.

How do you justify obligating employers to buy their employees health insurance rather than phasing out the practice altogether?

We most certainly should phase out employer sponsored insurance through changes to the tax code. However, most people are satisfied with their health insurance because they get their insurance from their employer.In the 1940s, the government implemented price controls and froze wages in an effort to curb wartime inflation. What remained unfrozen and untaxed were fringe benefits that a worker received, so employers, desperate for decent labor, offered health insurance as a workplace perk. As a result, the United States ended up with a system in which most citizens receive their health insurance through their employer. No other country relies on an employer-based system to the extent that the U.S. does.This system works for many with full-time jobs; a 2009 CNN poll found that approximately eight in 10 Americans were satisfied with their health insurance. However, critics of the system would say that such an opinion is akin to ignorance is bliss. Most workers likely have no idea of the full cost of their company's plan, and they may be unaware how much the cost of health insurance has been rising in the last few years. The money disappears before workers can even know it's gone, perhaps in the form of an increased premium withheld from a paycheck or by employers skimping on raises in order to make insurance payments.The unemployed, self-employed, part-time workers and those who work for companies that don't offer benefits probably have a better sense of how much health insurance truly costs. It's far more expensive for individuals and small groups to get health insurance because they constitute a small risk pool; a large company provides a large risk pool for the insurance company, which allows the company to charge smaller premiums.Since most Americans receive health care through insurance provided by their employer or the government (in the case of Medicare or Medicaid), they are removed from the cost. And not caring about the bottom line means that providers can raise prices without consumers noticing much.

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Q: How much time and money does it take for a new startup (<50 employees) to fill out the paperwork to become a group for the purpose of negotiating for health insurance for their founders and employees?

I'm not sure if this is a purely exploratory question or if you're inferring that you're planning on navigating the group health insurance market without the assistance of a broker. If the latter, I'd caution against it for several reasons (which I'll omit for now for the sake of brevity).To get a group quote, generally all that's needed is an employee census. Some states apply a modifier to the rate depending on the overall health of the group members (for a very accurate quote, employees may need to fill out general health statements).Obtaining rates themselves can take a few minutes (for states like CA which don't have a signNow health modifier) to several days.I suspect your cor question is the time/effort required once you've determined the most appropriate plan design for your company. This is variable depending on how cohesive your employee base is.Best case scenario - if all employees are in one location and available at the same time, I could bring an enrollment team and get all the paperwork done in the course of 1-3 hours depending on the size of your group. In the vast majority of cases, the employer's paperwork is typically around 6 pages of information, and the employee applications about 4-8 pages. Individually none of them take more than several minutes to complete.Feel free to contact me directly if you have specific questions or concerns.

Q: Do the HIPAA laws prohibit Health Insurance companies from allowing members to fill out and submit medical claim forms on line?

No, nothing in HIPAA precludes collecting the claim information online.However, the information needs to be protected at rest as well as in-flight. This is typically done by encrypting the connection (HTTPS) as well the storage media

Q: Obamacare Rollout & Struggles (2013–14): Will employers have to cover 100% health insurance for full-time employees under Affordable Care Act? What is the current protocol/law? How much on average will health insurance cost employers and employees?

Employers are not required to provide Health Insurance for their employees. If they have over 50 employees working 30 hours or more then they are supposed to provide health insurance. If they don't they have to pay a fine per each employee. Penalty for not providing insurance: Employers with over 50 employees that do not provide insurance must pay a penalty of $2,000 for every employee in the company if even one employee opts to obtain insurance through an exchange. However, the first 30 employees are not counted in calculation of the penalty. Example: an employer with 75 employees would pay the penalty for 45 workers, or $90,000 (45 x $2.000).The Health Care Reform Bill Becomes Law: What It Means for EmployersHealth care insurance is not cheap. Most employers that offer it pay a large portion of the premium and the employee pays the difference. This even applies to dependent coverage. It therefore is not out of the realm of possibility for an employer licking in $400 a month per employee. From the example above, if the employer is NICE, 75 employees times $4,800 each per year comes to a cost of $360,000 for all 75 employees. 400 * 12 = 4800. $4800 * 75 = $360,000 If you were an employer struggling to make ends meet wood you choose to pay $360,000 for insurance for your employees or from the example above, $90,000?ObamaCare was set up to entice employers to go for the penalties. Why not? Doing this however drives the health insurance system to the single payer system which is Obama's plan for America. Socialized medicine like Europe and Canada which sucks is his fondest wish in his 'Hope and Change' agenda for the country.At least that's how I see and understand what's going down in the Affordable Care Act.

Q: What are some reasons that a health insurance company would ask for a pre-authorization form to be filled out by a Dr. before filling a prescription?

One common reason would be that there is a cheaper, therapeutically equivalent drug that they would like you to try first before they approve a claim for the prescribed drug. Another reason is that they want to make sure the prescribed drug is medically necessary.Remember that nothing is stopping you from filling the prescribed drug. It just won't be covered by insurance until the pre-authorization process is complete.

Q: Can someone provide me the property disclosure form which is to be filled out by the employees of the UP government as per the instructions by the new CM?

It will be available in the UP Government website. Further you can email or tweet to the Chief Minister of UP requesting for the particular information. The CM is a committed social worker and leads the life a yogi, so everything is transparent about him and his Government.

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Right there now they's unfortunately the that blue highlighted thing is hard to read, so I'm I'm going to read it again this is the part of the sign up that is hidden the applicant does not see this, but it is in the source code and what that blue highlighted area that's been circled in red says is you have no reasonable expectation of privacy regarding any communication or data transiting or stored on this information system now Mr. camp Miss Campbell and Mr. Slavic you all both said that you all were HIPAA-compliant how in the world can this be HIPAA-compliant which HIPAA is designed to protect the patient's privacy and this explicitly says in order to continue you have to accept this condition that you have no privacy or no reasonable expectation of privacy so sir that would be the decision made by CMS, so you're not this is news to you, and you're the main prime contractor you've never seen this before, so we're that's not the are the prime one of the prime contractors yes have you

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