ClaimLinx helps auto dealer save money

It doesn’t matter what type of business it is. ClaimLinx can help owners and their employees save on health insurance.

The New Hampshire Auto Dealers Association found out just that when some of its members started working with ClaimLinx. On average, businesses that use ClaimLinx’s Solution save between 20 to 40 percent on their health plan within the first year.

ClaimLinx focuses on savings

Tom Quigley, Co-Owner of Claimlinx, said all it takes for business owners to start saving is a willingness to look at their health insurance differently. His company’s Solution combines traditional group insurance with a self-funded plan. That way employers can save money while providing great benefits.

“We have developed a solution on health insurance,” he said. “The main focus of our business is showing business owners how to use tax laws to greatly reduce the cost of health insurance for both the employer and the employees.”

A real example of savings for a small business

AutoServ Dealerships in Tilton, NH are members of the New Hampshire Auto Dealers Association who became clients of ClaimLinx two years ago. In the first year, they saved almost $100,000 on their health insurance. What’s more is they were able to pass that savings onto their employees as well. Their workers saved about 5 percent year over year while keeping deductibles lower than with the group’s previous plan.

Donna Gaudet Hosmer, General Counsel at AutoServ, said they turned to ClaimLinx because they needed a better option for health insurance at their company.

“The reason we chose ClaimLinx was primarily cost,” she said. “We needed an affordable option that reached a diverse array of employee needs in terms of benefits and affordability.”

How to start saving on health insurance

ClaimLinx works with businesses of all sizes. Qualified consultants are always available to start a consultation. They start by identifying each clients needs and balancing them with the costs of the health plan.

By taking the health plan out of the hands of traditional insurance companies, there is an amazing opportunity for savings while still providing great benefits. That means low deductibles and copays at a low cost to the employer.

Tom Quigley said for most companies this all comes down to setting up a plan that balances risk with savings.

“Really what the ClaimLinx solution boils down to is a math problem,” he said. “It’s really is as simple as putting a couple of keystrokes on your calculator. And to literally figure out the risk and the savings. What most people find is that the savings generated is greater than the actual risk associated. Meaning that every single person could go into the hospital or hit their deductible and the company still saves. That’s happening about 90-95 percent of the time.”

ClaimLinx focuses on education

This new way of buying health insurance isn’t just about the plan, though. It’s about educating employees on the best way to use the plan to get affordable healthcare. ClaimLinx turns its members into educated consumers so they no longer feel lost while navigating the health insurance industry.

Donna Gaudet Hosmer said the Solution was “definitely a departure from traditional insurance” but the people at ClaimLinx were there to help with educating members and providers on the new system. She said these resources were invaluable to members at the company. They were able to save money and still get the most out of the plan.

“The cost benefit far outweighs the learning curve to understand how to use it properly and maximize it,” she said. “So it’s been a huge win for us and I would highly recommend other dealers take a look at this.”

Contact ClaimLinx today to schedule a consultation.

Risk pools and small business medical insurance

Risk Pools and Small Business Medical Insurance

Small Business Insurance

Whilst starting a small business, there are many risk pools for which the insurance company offers various solutions. The primary focus of medical insurance is to achieve what is best for clients and to satisfy their clients, they offer them multiple options.

Health insurance policies are costly. Many investors do not invest in health insurance because it is challenging. There are risk pools and selection can be difficult when it comes to choosing a health insurance policy. We must choose which policy and company would be best for our interests and matches our requirements perfectly.


Risk pools

It is a group of persons whose medical expenditure would be pooled in order to analyze their premium. We must encounter risk pools in insurance. There are premium policies. One may balance between what is relative of low charge. A person with a complicated medical situation would prefer to select a scheme or policy which will serve him best i.e. higher premium policy. On another hand, a person who is healthier less likely to catch any disease will go for options that will serve him best i.e. a low premium policy.

The structure of health insurance policies was structured on less risk pooling in order for a more efficient and rational health facility scheme. In a system that includes less or little risk pooling, the citizens are accountable for costs. If money is not revolved between people then there would be less reasonable care in treatments due to low money. Thus, if there is totally no risk pooling then society would be burdened

There is a health risk after the retirement of people. The expenses that are revolving are limited. Thus if all the savings or the funds you had provided in past are consumed then there’s calamitous healthcare; limited resources.


Understanding Adverse Selection

The attraction of a disproportionate share of unhealthy people towards an insurer is known as adverse selection according to the American Academy of Actuaries. This problem arises due to the reason that the people with higher health care needs, when given the chance, are likely to purchase health insurance and to purchase health insurance with richer benefits than individuals with fewer health care needs. It creates problems for both insurance companies and insurance takers.

This causes a hike in premiums and not only this, due to this reason more healthy individuals opt for the coverage and cause an additional hike in the premiums. These changes in the premiums are usually referred to as a “premium spiral” in the industry.

To counter the effect of adverse selection risk pools are set up and to attract a broader range of healthy individuals. Not only this, but it also allows to equally divide the cost of sick or less healthy people. This is achieved by giving insurances to younger adults and healthy people from all age groups. It keeps the premiums at affordable prices for all members of the risk pool.


Small business:

Is it necessary to give employees of the USA their health insurance? Well, it depends there is a risk of offering a health insurance policy to workers. They can go for a new job for better remuneration. The immigrants go for private insurance if their boss doesn’t provide in contact.

Insurance for small businesses as a whole is very important. Small businesses are important and must be secured and insured. There are plans which cover the insurance of the company or small business you have started; to whatever level you want to achieve.

Insurers must opt for a single risk pool when they are going for premiums. It can be said, that the insurers should pool all their entity’s marketplace enrollees altogether when they are opting for the cost of their artifact. In other words, the cost of sick enrollees would be spread entirely enrollees i.e. the people who have signed up for the policy.


Small Business Options

The Department of Labor (DOL) increased the range to less expensive insurance plans for small business and their workers through Association Health Plans (AHP) as a result of Executive orders of President Trump “Promoting Healthcare Choice and Competition Across the United States.” on 19th June 2018.

This executive order allows small businesses and people who are self-employed to get together by the region or the industry they work for and get the insurance policy as one employer.

AHP’s improve the negotiating power with insurance companies by leveraging larger risk pools and greater economies of scale.

Despite the fact that becoming a part of large risk pool results in price reduction due to the size of the risk pool, there are various reasons these plans tend to be a lot cheaper.

Due to the fact that AHPs do not lie under the rules of the Affordable Care Act (ACA), they are not liable to provide 10 compulsory benefits provided by AHP.

SHOP, The small business health options program. Is a program for an employer that provides a marketplace to buy bulk health insurance in case they get on the merits of small business tax credits. It is necessary to have fewer than 25 full-time employees and pay under $50,000 average incomes per year and are able to pay 50 percent of employees premiums at the least.

More requirements include, at least 70% of eligible employees get the health plan except when they are an eligible waiver by getting insurance through their life partner or employer-based coverage.








Health Insurance USA

Health Insurance USA for Foreigners

Leaving your homeland to live abroad is quite a difficult thing to do. Residing in the USA especially as a foreigner is challenging. It can be a huge difference in the environment and lifestyle. This transition is not very easy to adjust to. One thing you need is to secure yourself heath wise in a stranger country as well in other countries you may travel to. We aim to provide you with a complete guide for when you travel to the United States. We have given top health insurance USA for foreigners with reasonable premiums and options.


Foreigner Health Insurance Plans in the USA

Foreigners in the United States can choose from two recommended choices. Cigna Global provides services worldwide with multiple options and services. It has adjustable plans that fit your budget and needs simultaneously. People with any price range can contact them and request and quote. GeoBlue Xplorer is also a versatile insurer with the same quality of service and benefits as Cigna. GeoBlue Xplorer works in collaboration with Blue Cross and Blue Shield of America and provides you best medical staff and hospitals of Blue Cross and Blue Shield of America.


Medical Coverage for Expatriates in the USA

Before moving to America, you need to know that you don’t need to get health insurance as a foreigner or even as a citizen. But if you don’t get insurance, you will not be able to afford medical expenses and medical care. Some visa types make health insurance for foreigners compulsory.

The health care expenses in America are higher than in other countries. This is due to high medical inflation and the doctors demand repeated tests and scans for confirmation. Due to this, it not only increases the cost but also makes the service quality better.

Private hospitals and clinics offer health care at a minimum cost. But this service is only provided if you have healthcare insurance. Employees are facilitated by employers in respect of insurance policies for them and their families. Medicare provides an insurance program for retired employees. But unfortunately, Medicare does not offer these plans for immigrants and foreigners. So instead of local insurance plans, they are forced to pay for international services.

The USA demands the immigrants and foreigners to make arrangements for their healthcare i.e employer-based or approved insurer within a month of arrival unless they are capable of affording regular medical costs in America.


How Much Does Health Insurance Cost in the USA?

You may think of the average insurance cost in the United States. But these are not fixed plans and the cost of such plans depends upon your region, age, history of illnesses and severity of the medical condition, etc. You need to narrow down the plan that covers all your need because spending on medical care is very costly and you can’t even afford to miss it because it is impossible to survive without it on your own. The scans, tests, and medication are often too expensive to be afforded by a layman.


Cost of Health Insurance for Non-US citizens in the USA

Here are some of the international insurers that provide services in various regions and are suitable for immigrants and foreigners in America. The costs can be adjusted by using by adding or removing options and benefits accordingly.

Cigna offers global service with affordable platinum and more affordable silver plan for foreigners. You may need some guidance from an agent about the plans and what best suits your needs. The total payable cost is figured out after $750 base deductibles amount and $1000 for other deductibles like dental, vision, and other evacuation modules. The cost can be varied by certain factors. You can always request a custom quote and estimate your pricing.

The Affordable Care Act, widely known as Obamacare or the ACA includes a provision for shared responsibility. This act ensures that US citizens and residents have access to quality health care. Whereas immigrants and foreigners on any type of visa are not legally bound to obtain health care insurance in the first five years of their stay in America. While J visa candidates are not bound for this service for two years after their arrival.

Some individuals who are foreign nationals but have become a resident are exempted from federal income tax list. These individuals are:

  • Nonresident aliens;
  • Individuals who file a Form 1040NR or Form 1040NR-EZ (including a dual-status tax return for their last year of U.S. residency);
  • dual-status aliens in their first year of U.S. residency;
  • Individuals who are claimed as a personal exemption on Form 1040NR or Form 1040NR-EZ.
  • Nonresident aliens or dual-status aliens who elect to file a joint return with a U.S. spouse;

Besides this, all U.S citizens residing in the US and all foreign nationals who are qualified as resident aliens are under the individual shared responsibility provision. Non-resident aliens need to meet certain requirements to be elected and become resident aliens.


Determining the International Health Coverage Amount Needed

You can estimate the expenses of health care insurance by the duration of your stay and your affordable range if you are not provided services. The longer your stay is, the more is the cost of the insurance policy. If you have to return soon and want to avail of the services of your homeland only, you can opt for a minimum cost coverage plan. But if you have to stay longer for a job or studies, go for a high-cost premium plan to avoid any issues in your stay.


Most Popular Health Insurance for Non-US citizens in the USA

  • The Cigna Global Medical plan is suitable if you have a limited budget and want to get services and multiple options at a minimum price.
  • The GeoBlue Xplorer plan administers services under BlueCross and gives you access to a wide network of doctors. Their services are not only excellent but they also maintain their standard throughout the period.
  • An affordable plan that we recommend to younger clients is The IMG Global Medical It helps to have a plan that is on their budget. You can only get limited benefits and emergency care by adopting Silver and Bronze programs. You can cover more benefits and options with Gold and Platinum plans.


Find the Best Health Insurance

How to Find the Best Health Insurance

Shopping for a plan that is the perfect health insurance plan for you and your family is surely a challenging task. Meeting all the requirements and minimizing the cons can take a lot of research. However, there are some factors that help in narrowing your search and save plenty of your time and effort. Take a look at the following factors. We hope they may prove to be helpful.


Choose Your Health Plan Market Place

Many people are provided a health insurance plan through the company they work for. In case you are included in those people then you might not need to search for a government insurances plan or insurance marketplaces. The company you work for is your marketplace.

In case your company offers you a insurance plan, but you want to do a research about what other alternates are present then you are free to do that but it is a fact that they might be a lot more expensive. This is why the company tends to pay portion of the insurance premiums for their employees because on average the total premiums are lower.

You can buy an insurance plan from public marketplace on your state, if it is available. You may also search federal marketplace to find insurances with lowest premiums. The first step to find a health insurance is that you go to and enter your zip code while open enrollment is in process. You will be directed to the exchange in case it is present otherwise federal marketplace will be available for you. To buy the insurance plan you can either contact a private firm or can get it directly from insurer.


Compare the Types of Insurance Plans

You might see a set complicated alphabetical combinations that might confuse you while choosing for the right insurance plan. Common health plans include, POS, PPOs, HMOs and EPOs. Your choice of insurance plan will determine the benefits you will able to enjoy and what expenses you would have to pay out of your pocket.

Keep in mind to check the basic set of features of an insurance policy before buying it. There is a summary of benefits present with plan and the price is also mentioned with the title in an online marketplace. The hospitals and doctors covered by the particular health plan are also mentioned and the decision must be made accordingly. A benefits administrator in your workplace can provide you details of different insurance plans.


Choosing a Plan Based on Hospital Ward

You should never compromise on your health standards. So, you should see that the insurance plan you are choosing provides you A-plus service. If you don’t like to stay between lots of patients, you may choose 1 bedroom or double-A bedroom. If privacy is not an issue for you, you can use 4 bedroom B1 rooms or 8-9 C bedrooms. The more the privacy of the bedroom, the more is the cost and the more are the health insurance premiums satisfactory. Therefore, a good wardroom will provide you comfort but not everyone is able to afford such premium plans.

Upgrading from an A to B ward will cost several hundred dollars and may increase with the increase in your age. You need to make sure you get treated according to the plan you choose and it is up to your standards and the money you pay.


Choosing a Plan Based on Benefits and Medical Coverage

After choosing the type of wardroom, you must also compare the benefits and prices of the plans. In this way, you can estimate if your medical expenses will be covered in the money you pay and it will certainly help you in emergencies. The plans offer variations in annual payment, additional benefits, and post as well as pre-hospitalization expenses. The base coverage for all IPs is the same but they differ in packages.

For choosing plans based on benefits, look for annual limits first hand because these benefits provided depend upon their annual limit consumed in a year. Such as the annual limit for A wardroom is far more than the B wardroom and so are the benefits. Also, you should consider if you are covered in case of emergency by pre and post-hospitalization coverage. Psychiatric patients must choose plans with post-hospitalization services. Some IPs also give critical illness coverage so that you are covered if you suddenly suffer a stroke or a heart attack.

The stipulations a plan offers is also an important factor in choosing an IP. These riders provide a variety of benefits in long term. These stipulations include immediate family hospital accommodation, emergency outpatient coverage, coverage for post-hospitalization alternative treatment. They also usually cover 50% of the co-insurance and may even cover the annual deductible.


Choosing an IP Plan Based on Cost

The cost of IP plans is the most important factor because not enough money cannot provide you quality service and you may need to pay more or withdraw from the plan. If you are not diseased and don’t require a particular health plan, go for a low-cost plan. The cost increases with age and the standard of the wardroom. For example, if some plan costs 200 dollars for a 20-year-old, the same plan will cost 500 dollars for a 65-year-old. You can estimate if your plan is reasonable, you need to find out the plan’s total coverage per dollar of premium.

You need to make sure that you can afford the increment cost with the age of the plan you choose. If you have 200 dollars annually in your 20s, you should expect it to be $700 by the age of 40. . However, if you have A ward rooms, you need to pay from your pocket at an older age because it costs too much.

Considering all the above factors, you will get yourself a best health insurance at the end of the day. Compare best and worst health insurance companies and find the right one for you.



Best health insurance companies in the USA

Our 5 Picks For The Best Health Insurance In Usa

The US is home to thousands of Insurance companies and individuals oftentimes find themselves perplexed about which provider to opt for. There are different types of coverage that need to be taken into account alongside various other factors that are going to be outlined in this particular blog.

According to the Insurance Information Institute, the premiums for the health and accident insurance industry skyrocketed by 57.3% to roughly $1.1 trillion in the year 2018. According to the National Association of Insurance Commissioners, the largest companies accounted for 51.8% of the entire market in the USA.

According to data provided by the NAIC, the best insurance companies for health insurance include:



Estimated Market Share: 14.2%

Premiums Directly Written: $156.9 billion

Based on the principles of well-being and diversity, the core capabilities of UnitedHealth Group include state of the art technology, immense clinical expertise, health data, and much more!

Serving to numerous valued clients in the US, alongside 130 other countries, UnitedHealth provides coverage for benefits and healthcare whereas Optum provides tech health and information services. Out of 1.1 trillion transactions, more than 3.5 billion dollars are invested annually to speed up the innovation processes.


Kaiser Foundation

Estimated Market Share: 8.4%

Premiums Directly Written: $93.3 billion

Operating as a nonprofit healthcare organization, the Kaiser Foundation Health Plan, Inc. offers cardiology, nephrology, dermatology, hospice, oncology, allergy, pain management, occupational therapy, pharmacy services, and pediatric rehabilitation to patients in the USA.


Anthem, Inc.

Estimated Market Share: 6.1%

Premiums Directly Written: $67.2 billion

Dedicated towards serving communities and improving lives, Anthem, Inc. aims at simplifying the process of healthcare. Through the efforts of their strategic affiliates, Anthem has been able to serve over 78 million people. They envision themselves to become the most valuable, innovative and inclusive company in the insurance space.

The gathering’s associated wellbeing plans have made different network-based dental items, PPOs, HMOs’, different items, and wellbeing plan benefits that consolidate the characteristics shoppers find alluring with powerful cost control strategies. Singular individuals and manager gatherings can choose from essential and extensive designs to fulfil their specific necessities. A broad scope of similar forte items and different administrations is likewise accessible, including adaptable spending records and COBRA organization.




Estimated Market Share: 5.1%

Premiums Directly Written: $56 billion

Humana aims at assisting individuals in accomplishing their absolute best health by giving customized, seamless and holistic healthcare experiences. Perceiving that every individual, family, and local area’s medical care needs keep on advancing, Humana makes imaginative arrangements and assets to help individuals carry on with their best lives on their standing – whenever needed.



Estimated Market Share: 5%

Premiums Directly Written: $55.4 billion

CVS Health is a medical services organization with a vision for helping individuals on their way to better and more healthy lifestyle. Through its well-being administrations, plans, and local area drug specialists, it pioneers another way to deal with absolute well-being.

Including an excess of 9,800 retail stores, CVS has almost 1,100 clinical facilities that you can walk into, a manager for drug store benefits with around 93 million members, an enhanced medical care benefits organization serving about 22.2 million clinical individuals and 1,000,000 individuals annually as a quality drug store concerned for collective well-being. It is extending forte drug store administrations, and an independent Medicare Part D professionally prescribed medication plan.




Estimated Market Share: 3.4%

Premiums Directly Written: $36.9 billion

HCSC is a shared lawful hold organization, is the biggest client claimed medical care insurance agency in the United States. The organization is limited to only five states; Illinois, Oklahoma, New Mexico, Texas, Montana and provides service to more than 16 million users. HCSC utilizes in excess of 23,000 individuals in more than 60 neighborhood workplaces.

HCSC manufactures broad variety of life and medical coverage items and similar administrations in collaboration with its partners and auxiliaries, including TriWest Healthcare Alliance, HCSC Insurance Service Company, Prime Therapeutics, TriWest Healthcare Alliances, Medecision, Dearborn Group, Availity, TriWest Healthcare and Dental Network of America.



Centene Corp

Estimated Market Share: 3.3%

Premiums Directly Written: $36.3 billion

Centene Corporation, is an enhanced, worldwide medical care organization consisting of 500 organization and giving an arrangement of administrations to government-supported medical services programs, zeroing in on people who don’t have sufficient insurance plans. It works in three global business sectors to maximize the quality healthcare products. It operates in 32 states and has served more than 15 million patients in these states.

Centene works nearby plans for health and wellbeing and gives a scope of medical coverage arrangements. Likewise, it contracts with other medical care and business associations to offer claim to fame administrations, going from conduct wellbeing, dental advantages, life and wellbeing, and drug store benefits the executives to mind the board programming, remedial medical care administrations, in-home wellbeing administrations, overseen vision, forte drug store, and telehealth administrations.


Cigna Health

Estimated Market Share: 2.7%

Premiums Directly Written: $29.3 billion

In over 30 countries and jurisdictions, Cigna Corporation is an organization for health service which operates globally and serves more than 165 million users and needy patients. Its insurance plans and products include Medicare plans, Medicare supplemental plans, dental insurance plans, International health insurance, supplemental Insurance.




Estimated Market Share: 1.9%

Premiums Directly Written: $20.5 billion

WellCare Health Plans, Inc. centers around conveying government-supported care administrations that are managed to people, kids, seniors and families with various complex requirements clinically through Medicare Adcantage, Medicade and plans for medicines recommended by physicians. Just as people in the medical coverage commercial center. According to a report in 2019, WellCare serves about 6.4 million individuals across the country.


Molina Healthcare, Inc.

Estimated Market Share: 1.7%

Premiums Directly Written: $18.5 billion

Molina Healthcare is a wide network of 500 organizations which only provides services to specific people and families qualifying for governmental medical service plans. The organization works in collaboration state governments and fills in as a well-being plan giving a wide scope of value medical care administrations to people and families.

Molina gives well-being plans in Illinois, Wisconsin, Florida, California, Puerto Rico, New Mexico, Utah, Ohio, South Carolina, New York, Texas, Michigan, and Washington. The organization likewise offers a Medicare item and has been chosen in numerous states to participate in double show ventures to deal with the consideration for those qualified for Medicaid and Medicare.

Health insurance can save from a lot of financial problems in life. It can get you out of the hard times. Choose one of the best insurance companies from our well-researched list now!