Medical Health Insurance

International Advantage Natural Disaster Enhancement

When working in the real world, businesses can face real world problems.
A U.S.-based church group was stranded in a Haiti crisis zone. Our service provider sent a security detail to escort the group to the Dominican Republic, where they were repatriated safely to the U.S. within 24 hours of the call.

How can we help?
Our international package policy can provide executive assistance services with an optional Natural Disaster Relocation and Repatriation coverage enhancement to assist your employees in their time of need.

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Insurance for Personal Trainers and Fitness Studios

Insurance for personal trainers and fitness studios is specifically designed to meet the unique insurance needs of Fitness Trainers, Group Fitness Instructors, Spinning Instructors, Dance Instructors, Martial Arts Teachers, Pilates Instructors, and many more categories of fitness instruction without any restriction of age or gender of your students.

The Fitness and Wellness Insurance program for Fitness Studios covers many types of studios including Aerobics, Exercise, Spinning, Fitness Training, Strength Training, and Pilates Studios with equipment. It also covers activities such as weightlifting, swimming, sauna, tanning booths, sport courts and group exercise. Dance Studios are eligible under Performing Arts.

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Heat Exhaustion and Heat Stroke

When working outdoors in hot weather, workers who do not take precautions can suffer from heat exhaustion or heat stroke. Heat exhaustion is caused by prolonged exposure to high temperatures and Inadequate fluid replacement. Heat stroke is the most severe of heat-related problems. It is potentially life threatening because the body’s normal mechanisms for dealing with heat stress, such as… Read More »Heat Exhaustion and Heat Stroke

“Super Losses” of Healthcare Sector

The overall cost and frequency of so called $50 million plus “super losses” in the U.S. healthcare insurance sector are on the rise. According to a report from specialist healthcare insurer Hiscox, the large losses keep on getting larger with juries in the last two years alone awarding more than $1 billion in total damages for just seven medical liability… Read More »“Super Losses” of Healthcare Sector

San Francisco Health Fee to Rise

Employers with workers in San Francisco must pay more next year to comply with the city’s health care spending law. Beginning on Jan. 1, 2012, employers with 100 or more employees in San Francisco will be required to spend $2.20 per hour per covered employee on health care, up from $2.06 in 2011. Employers with 20 through 99 employees will… Read More »San Francisco Health Fee to Rise

World Health Organization and Dangerous Mobile Phone

“Using a mobile phone may increase the risk of developing certain types of brain tumors and consumers should consider ways of reducing their exposure, World Health Organization cancer experts said Tuesday” – news  information. Hey, are you guys insane over at WHO? Is this something you want to brag about after the swine flue failure? Don’t you think we are… Read More »World Health Organization and Dangerous Mobile Phone

Please do not vote to eliminate the ADHC benefit for the frail elderly.

Dear friend, We need your help today. ADHC ELIMINATION PROPOSAL – MAKE TELEPHONE CALLS TODAY! The full Senate and Assembly Budget Committees will take up the ADHC elimination proposal Friday, February 18. The agenda is not yet available but we know the hearings will begin at 9:00 AM. There is no public testimony. We need to generate as many telephone calls… Read More »Please do not vote to eliminate the ADHC benefit for the frail elderly.

Will Group Health Cost Rise in 2011?

According to Hewitt’s Associates, group health care plan costs are expected to increase an average of 8.8% in 2011, the largest percentage gain since 2005, new research shows. The average group health plan cost per employee is projected to rise to $9,821 next year. Costs include employer and employee premium contributions, but not employee out-of-pocket expenses, such as copayments and… Read More »Will Group Health Cost Rise in 2011?

California Worker’s Compensation Medical Provider Network (MPN) New Requirements Effective October, 2010

In an effort to streamline the notification process and reduce the burden on employers, the Administrative Director of the California Division of Worker’s Compensation (DWC) recently amended regulation relating to MPN’s. The DWC regulates how an employer implements a MPN, requiring them to provide specific notification to their California employees. The purpose of this letter is to alert you to… Read More »California Worker’s Compensation Medical Provider Network (MPN) New Requirements Effective October, 2010

Illegal Insurance Rescission Prevention in California

California Insurance Commissioner has imposed regulations designed to combat illegal rescissions. The rules take effect on August 18. Currently, health insurers may only rescind policies under very specific, limited circumstances defined by law and regulations. In the past, some insurers have exploited vagueness in these laws to improperly rescind health insurance policies, according to the Department of Insurance. The new… Read More »Illegal Insurance Rescission Prevention in California