United Benefit Advisors Insight and Analysis Blog

Elizabeth Kay

Compliance & Retention Analyst
AEIS Advisors
A UBA Partner Firm

Recent Posts

Growing Pains: Why Adolescence Is About To Get That Much Harder

Posted by: Elizabeth Kay    Mar 19, 2015 12:00:00 PM

Employers that are growing up, and are in the awkward teenage years, are about to get a big surprise, and not the good kind.

When a company first opens, they are excited when they first implement their benefit plans for their handful of employees. They offer one or two medical plans, perhaps some dental and vision, and a small life insurance policy. The company knows that the small group rates will be high, but not much can be done, so they live with it. The rates are based on the employee’s age and where the company is located. They rely on their broker to show them the different options and help them offer plans with the best value to their employees.

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Topics: ACA, employee benefits, COBRA, community rating, composite rating

Will Health Insurance Soon Become Health Memberships?

Posted by: Elizabeth Kay    Feb 10, 2015 12:00:00 PM

With the passage of the Patient Protection and Affordable Care Act (PPACA), we saw a number of hospitals and provider groups being bought and merged with larger provider groups. This was done for two reasons. One, in part to make sure that they were able to establish more buying power, or bargaining chips to bring to the contract negotiating table. Two, with less competition, they have more control over how much they can charge for services.

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Topics: health insurance, PPACA Affordable Care Act, Elizabeth Kay, health membership, AEIS Advisors

Navigating Narrow or Focused Provider Networks (Part 2)

Posted by: Elizabeth Kay    Oct 14, 2014 3:04:00 PM

By Elizabeth Kay
Compliance and Retention Analyst
AEIS, a UBA Partner Firm

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Topics: health insurance exchanges, private insurance exchange, health marketplace, employee wellness, PPACA, retirement, small group employers, benefit communication, benefit consultants, benefit management, compliance with health care reform, employee health, group health insurance, healthcare consumerism, health plan compliance, health reimbursement account, insurance solutions, medical plan, self funded health plans, Group health plans, small business, dependents, dependent insurance, family insurance benefits

Can "Focused" Provider Networks really maintain lower premiums? (Part 1)

Posted by: Elizabeth Kay    Sep 23, 2014 10:53:00 AM

By Elizabeth Kay
Compliance and Retention Analyst, AEIS
A United Benefit Advisors Partner Firm

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Topics: PPACA, HMO, PPO, Blue Shield of California