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Health Insurance

Health Insurance

Medical Insurance

Health insurance covers the whole or a part of Medical expenses of a person. spreading the risk over a large number of persons.

By estimating the overall risk of health care, an insurer can develop a routine finance structure, such as a monthly premium or payroll tax,

to provide the money to pay for the health care benefits specified in the insurance agreement.

The benefit is administered by a central organization such as a government agency, private business, or not-for-profit entity.

According to the Health Insurance Association of America, “coverage that provides for the payments of benefits as a result of sickness or injury.

It includes insurance for losses from accident, medical expense, disability, or accidental death and dismemberment.

Understanding Medical Reserves


Over the years, R&R Insurance has designed a proven 7-step method to successfully manage workers compensation programs. Our Professional Services have become experts in analyzing medical reserve dollars and can clearly articulate how insurance companies determine the numbers. By knowing market trends, carrier calculations, and your own unique situation, there …

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Best Practices for Hiring Minors


With the employee shortage many companies are facing, attracting and retaining talent is critical. An untapped resource for many industries is younger talent – such as high school students. While minors can be a very valuable resource for employers, there are best practices to keep in mind so your organization …

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Why Are Americans Opting Out of Insurance Coverage?

Why are Americans skipping health insurance

Although more people have health insurance than they did before the Affordable Care Act (ACA), growing numbers of individuals under the age of 65 are opting to go without insurance. There are two reasons: High costs Shrinking networks According to Kaiser Family Foundation, record increases of people have health …

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