United Benefit Advisors Insight and Analysis Blog

Small Businesses Received a Reprieve

Posted by: Carol Taylor    Apr 9, 2014 11:52:00 AM

By: Carol Taylor
Employee Benefit Advisor
D&S Agency, a UBA Partner Firm

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Topics: 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, HRA administration

IRS Releases Final Reporting Regulations

Posted by: Bill Olson    Apr 8, 2014 10:28:00 AM

In order for the Internal Revenue Service (IRS) to verify that individuals and employers are meeting their shared responsibility obligations and that individuals who request premium tax credits are entitled to them, employers and issuers will be required to provide reporting on the health coverage they offer. The reporting requirements are in two separate sections of the Patient Protection and Affordable Care Act (PPACA) -- sections 6055 and 6056. Reporting will first be due early in 2016, based on coverage in 2015.

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Topics: 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, HRA administration

Play or Pay: The Facts about Paying the Penalties

Posted by: Bill Olson    Apr 3, 2014 10:47:00 AM

With every day that goes by, the nation’s employers move a step closer to having to make “play or pay” decisions. Many employers have less than a year to prepare for the arrival of this core provision of the Patient Protection and Affordable Care Act (PPACA). Their decisions are far from easy... the ensuing financial, legal, and competitive implications are profound... and the clock is ticking.

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Topics: 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, HRA administration

New Out-of-Pocket Maximum Rules Explained

Posted by: Bill Olson    Apr 1, 2014 11:29:00 AM

Q: I know there are new out-of-pocket maximum rules beginning in 2014. Can you explain them?

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Topics: 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, HRA administration

Waste in Health Care: Does Wastefulness Contribute to Excess Cost and Poor Quality?

Posted by: Peter Freska    Mar 28, 2014 12:37:00 PM

Peter Freska, CEBS
Benefits Advisor
The LBL Group, A UBA Partner Firm

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Topics: 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, HRA administration

Your “Dependents” Could be Costing You

Posted by: Jennifer Stanley    Mar 26, 2014 11:37:00 AM

By Jennifer Kupper
In-House Counsel & Compliance Officer
iaConsulting, a UBA Partner Firm

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Topics: 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, HRA administration

Was another delay necessary?

Posted by: Carol Taylor    Mar 24, 2014 10:51:00 AM

By: Carol Taylor
Employee Benefit Advisor
D&S Agency, a UBA Partner Firm

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Topics: 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, HRA administration

Wellness Programs: Incentives for Non-Use of Tobacco, Activity-Based Alternatives

Posted by: Bill Olson    Mar 20, 2014 11:21:00 AM

On January 9, 2014, the Department of Health and Human Services (HHS), the Department of Labor (DOL) and the Department of the Treasury/IRS issued Frequently Asked Questions - Part XVIII that provides additional information about requirements in several areas. In this third of a three-part series, we will address some clarifications related to wellness programs.

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Topics: employee wellness, 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, HRA administration

Why Generic Drugs Can Be The Better Choice

Posted by: Carol Taylor    Mar 19, 2014 11:28:00 AM

By Carol Taylor
Employee Benefits Advisor
D&S Agency, a United Benefit Advisors Partner Firm.

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Topics: private insurance exchange, employee wellness, UBA 2013 Health Plan Survey, 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, HRA administration, pharmacy

Out-of-Pocket Limits: Inclusions/Exclusions, Multiple Out-of-Pocket Limits, EHBs for Large Group/Self-Insured Plans

Posted by: Bill Olson    Mar 13, 2014 1:00:00 PM

On January 9, 2014, the Department of Health and Human Services (HHS), the Department of Labor (DOL) and the Department of the Treasury/IRS issued Frequently Asked Questions - Part XVIII. This document provides additional information about requirements in several areas. In this second of a three-part series, we will break down the details related to out-of-pocket limits.

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Topics: private insurance exchange, employee wellness, 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, HRA administration