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SMALL-A Sisterhood
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On Dark Knight:
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also: forthcoming- Handcock and the ultra-conservative doxa of by-the-bootstraps
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The Said
SMALL-A Sisterhood
tap it
do it
5
4
3
2
1
do it. go. (office)
under: Bookmarks
or go to: (smalla.mindsay.com)
for more blog speckle and knife-turning
this week/: in today
On Dark Knight:
expanded into series...
also: forthcoming- Handcock and the ultra-conservative doxa of by-the-bootstraps
keep watch for Small-a, a Popculturesaid affiliate
and of course--
The Said
Small Group Tips in Illinois -
Small Group Tips in Illinois
ILLNOIS SMALL BUSINESS
FOR ILLINOIS COMPANIES WITH 2-50 EMPLOYEES
Small Group health insurance offers many options in Illinois. You can easily get a Small Group health instant quote for small business insurance from us by clicking on the following link ( GROUP Request Form) . In addition, we have put together this valuable information below to help you determine what type of group insurance is suitable for your business. In addition, you will find the criteria that you will need to consider regarding Employer contribution, group eligibility, preexisting conditions, etc.
Quotes Subject to Adjustment
For businesses of up to 50 employees, new business group medical rates are subject to an underwriting adjustment. This adjustment is based on overall group health and other factors such as employee participation in the plan. The State of Indiana and the State of Illinois regulate the degree of new business rate adjustment health insurance companies can apply to small group accounts.
New Business Rates Vary in Ranges
In Indiana, new business group health insurance rates can be adjusted by up to 105%. In Illinois, the maximum adjustment is 67%.
For example, an Indiana business with healthy employees and good employee participation may qualify for a "most favorable" monthly medical insurance premium of $10,000. On the other hand, if the employees of this business are extremely unhealthy, the monthly health insurance premium could be as high as $20,500, a 105% adjustment over the "most favorable" premium.
Interpreting Small Group Quotes
In an initial presentation of small group health insurance quotes, most agents typically present "preliminary" rates reflecting favorable underwriting assumptions. However, any responsible agent should make clear the preliminary nature of the quotes -- that they're subject to upward revision based on insurance company medical underwriting review, which can only be accomplished after employees complete application forms.
A non-underwritten small group health insurance quote should not be used for any serious budgeting. However, if we assume most small group health insurance companies will produce somewhat similar underwriting adjustments (a reasonable assumption), we can at least use these "preliminary" quotes to narrow the number of health insurance companies potentially meeting your group's cost requirements.
To obtain a reliable underwritten quote, employee enrollment forms must be submitted to a health insurance company. Of course it's a hassle for employees to complete application forms for more than one health insurance company, but this is usually necessary if you want more than one firm small group health insurance quote.
Getting Favorable Rates
Approximately 25% of small businesses that apply for group health insurance receive the lowest "most favorable" rates.
Would your company qualify for group health rates in the "most favorable" range? It depends on various factors -- the primary factor being the health status of employees and their dependents. Other underwriting considerations include the total number of enrolling employees and the proportion of enrolling employees to eligible employees. For example, a 20 employee group may get a better underwriting outcome than will a 3 employee group. A group with 90% employee participation usually does better, other factors being equal, than a group with 50% employee participation.
Also, we'd like to point out that agents who anticipate underwriting issues and submit complete paperwork to health insurance companies sometimes get better rate results than those achieved by brokers who are less effective in dealing with insurance company submission requirements. In addition, working with an experienced group health insurance professional can make an important difference in speeding up the application process and minimizing the hassle you have to endure to get the right group health insurance plan in place
Helpful criteria to consider regarding Employer contribution, group eligibility, preexisting conditions, etc.
Small Group options
• With most carriers employees must work more than 20-30 hours a week to be eligible • 2-50 eligible people (w2, partners, sole proprietors, corporate officers...not 1099)
• Employer must pay at least 50% of employees premiums • 75% of eligible people must go with the plan.
• In the state of Illinois a maximum rate up of 67% can be imposed to final rates after medical underwriting • Plans are guaranteed issue regardless of health.
• Employers can pay as little as 50% of the employees premium. • Premiums by employer are 100% tax deductible.
Employer Contribution Options
Type of Coverage: Traditional (percentage applied to all plans employees are enrolled in) Percentage & Plan* (percentage based on the price of one designated plan only) Fixed Dollar (dollar amount, in $5 increments, applied to all plans employees are enrolled in)
Medical Plan
Portfolios/Programs
Employee Elect 50% to 100% 50% to 100% $100 or more
EmployeeChoice 50% to 100% 50% to 100% $100 or more
Benefits 25% to 100% 25% to 100% $50 or more
Dental 50% to 100% N/A $15 or more
Vision 50% to 100% N/A N/A
Life 25% Minimum Employer Contribution
Waiting Periods and Pre-Existing Conditions
The group health plan at your new job cannot refuse to cover you if you have a pre-existing condition (an injury or illness that started before you joined the plan).
However, some plans have a waiting period before the pre-existing condition is covered. The waiting period cannot be more than 12 months.
There is no waiting period if you have not had diagnosis or care for your injury or illness in the last 6 months.
There is no waiting period if you had previous health insurance for 6 months with no gaps of more than 63 days before your last insurance ended and the new insurance starts. This is called having creditable coverage.
There is a shortened waiting period if you had health insurance for less than 6 months with no gaps of more than 63 days before your last insurance ended and the new insurance starts.
To get a free quote for small group plans in Illinos or NY go to
http://www.netcarebenefits.com
or email us at info@netcarebenefits.com
ILLNOIS SMALL BUSINESS
FOR ILLINOIS COMPANIES WITH 2-50 EMPLOYEES
Small Group health insurance offers many options in Illinois. You can easily get a Small Group health instant quote for small business insurance from us by clicking on the following link ( GROUP Request Form) . In addition, we have put together this valuable information below to help you determine what type of group insurance is suitable for your business. In addition, you will find the criteria that you will need to consider regarding Employer contribution, group eligibility, preexisting conditions, etc.
Quotes Subject to Adjustment
For businesses of up to 50 employees, new business group medical rates are subject to an underwriting adjustment. This adjustment is based on overall group health and other factors such as employee participation in the plan. The State of Indiana and the State of Illinois regulate the degree of new business rate adjustment health insurance companies can apply to small group accounts.
New Business Rates Vary in Ranges
In Indiana, new business group health insurance rates can be adjusted by up to 105%. In Illinois, the maximum adjustment is 67%.
For example, an Indiana business with healthy employees and good employee participation may qualify for a "most favorable" monthly medical insurance premium of $10,000. On the other hand, if the employees of this business are extremely unhealthy, the monthly health insurance premium could be as high as $20,500, a 105% adjustment over the "most favorable" premium.
Interpreting Small Group Quotes
In an initial presentation of small group health insurance quotes, most agents typically present "preliminary" rates reflecting favorable underwriting assumptions. However, any responsible agent should make clear the preliminary nature of the quotes -- that they're subject to upward revision based on insurance company medical underwriting review, which can only be accomplished after employees complete application forms.
A non-underwritten small group health insurance quote should not be used for any serious budgeting. However, if we assume most small group health insurance companies will produce somewhat similar underwriting adjustments (a reasonable assumption), we can at least use these "preliminary" quotes to narrow the number of health insurance companies potentially meeting your group's cost requirements.
To obtain a reliable underwritten quote, employee enrollment forms must be submitted to a health insurance company. Of course it's a hassle for employees to complete application forms for more than one health insurance company, but this is usually necessary if you want more than one firm small group health insurance quote.
Getting Favorable Rates
Approximately 25% of small businesses that apply for group health insurance receive the lowest "most favorable" rates.
Would your company qualify for group health rates in the "most favorable" range? It depends on various factors -- the primary factor being the health status of employees and their dependents. Other underwriting considerations include the total number of enrolling employees and the proportion of enrolling employees to eligible employees. For example, a 20 employee group may get a better underwriting outcome than will a 3 employee group. A group with 90% employee participation usually does better, other factors being equal, than a group with 50% employee participation.
Also, we'd like to point out that agents who anticipate underwriting issues and submit complete paperwork to health insurance companies sometimes get better rate results than those achieved by brokers who are less effective in dealing with insurance company submission requirements. In addition, working with an experienced group health insurance professional can make an important difference in speeding up the application process and minimizing the hassle you have to endure to get the right group health insurance plan in place
Helpful criteria to consider regarding Employer contribution, group eligibility, preexisting conditions, etc.
Small Group options
• With most carriers employees must work more than 20-30 hours a week to be eligible • 2-50 eligible people (w2, partners, sole proprietors, corporate officers...not 1099)
• Employer must pay at least 50% of employees premiums • 75% of eligible people must go with the plan.
• In the state of Illinois a maximum rate up of 67% can be imposed to final rates after medical underwriting • Plans are guaranteed issue regardless of health.
• Employers can pay as little as 50% of the employees premium. • Premiums by employer are 100% tax deductible.
Employer Contribution Options
Type of Coverage: Traditional (percentage applied to all plans employees are enrolled in) Percentage & Plan* (percentage based on the price of one designated plan only) Fixed Dollar (dollar amount, in $5 increments, applied to all plans employees are enrolled in)
Medical Plan
Portfolios/Programs
Employee Elect 50% to 100% 50% to 100% $100 or more
EmployeeChoice 50% to 100% 50% to 100% $100 or more
Benefits 25% to 100% 25% to 100% $50 or more
Dental 50% to 100% N/A $15 or more
Vision 50% to 100% N/A N/A
Life 25% Minimum Employer Contribution
Waiting Periods and Pre-Existing Conditions
The group health plan at your new job cannot refuse to cover you if you have a pre-existing condition (an injury or illness that started before you joined the plan).
However, some plans have a waiting period before the pre-existing condition is covered. The waiting period cannot be more than 12 months.
There is no waiting period if you have not had diagnosis or care for your injury or illness in the last 6 months.
There is no waiting period if you had previous health insurance for 6 months with no gaps of more than 63 days before your last insurance ended and the new insurance starts. This is called having creditable coverage.
There is a shortened waiting period if you had health insurance for less than 6 months with no gaps of more than 63 days before your last insurance ended and the new insurance starts.
To get a free quote for small group plans in Illinos or NY go to
http://www.netcarebenefits.com
or email us at info@netcarebenefits.com
Found cool and small FPS game - AssaultCube
I was just browsing website of freeware games, and then I found this, 19 megabytes small game. It looks like Counter-Strike. The website says you can play it even on 56k connection!
Website: http://assault.cubers.net/index.html
Download: http://downloads.sourceforge.net/actiongame/AssaultCube_v0.93.exe?use_mirror=switch
Addon maps: http://www.quadropolis.us/flexinode/list/1
Ill go and play it later, and will let you know how it looked :)
I was just browsing website of freeware games, and then I found this, 19 megabytes small game. It looks like Counter-Strike. The website says you can play it even on 56k connection!
Website: http://assault.cubers.net/index.html
Download: http://downloads.sourceforge.net/actiongame/AssaultCube_v0.93.exe?use_mirror=switch
Addon maps: http://www.quadropolis.us/flexinode/list/1
Ill go and play it later, and will let you know how it looked :)
The first day of the rest of my life
Hello all,
Two days have passed since finally graduating and I've decided to start blogging my journey into adulthood. Many things have been on my mind since wrapping up my college career. One, where is my dream job when I need it? Two, can't wait to start paying on those wonderful student loans I have acquired over the years. Three, and probably the one thought that arouses the most excitement in me...should I venture out and create my own place in the great big world of business? EEK! Yes, eek...and yes I'm inching forward down that entrepreneurial path. Wish me luck!
For those of you who shall read this knowing little about me, please allow me to fill you in. I majored in Fashion Merchandising at a well known Texas university[if you live in central Texas.] I enjoy fashion and all the complex beauty it entails. I'm dabbling in sewing and plan on expanding my skills in this area. Like most small town girls I dreamed of moving to the big city and making a place for myself.
I’m well on my way. I'll share more of my adventures, experiences, thoughts and conundrums with you all as they hit me.
Melison S.
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