United Benefit Advisors Insight and Analysis Blog

Religious Objections to Covering Contraceptives

Posted by: Linda Rowings    Sep 5, 2014 3:06:00 PM

On August 22, 2014, the Departments of Health and Human Services (HHS), Labor, and Treasury released an interim final rule and a proposed rule that provide some new accommodations to employers that have religious objections to covering contraception under their group health plans. The agencies also released a fact sheet on the rules and an alternate form that religious organizations (like religious hospitals, universities and charities) may use.

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Topics: PPACA, health insurance exchanges, employee wellness, retirement, health marketplace, small group employers, Group health plans, private insurance exchange, 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, small business, dependents, dependent insurance, family insurance benefits, religious objections, contraception, religious opposition to contraception

Highlights of the SBC Requirement

Posted by: Linda Rowings    Aug 28, 2014 3:43:00 PM

With Fall open enrollment around the corner, most employers will need to provide a Summary of Benefits and Coverage (SBC) to eligible individuals. Here are some highlights of the requirement (as of August 2014):

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Topics: PPACA, health insurance exchanges, employee wellness, retirement, health marketplace, small group employers, Group health plans, private insurance exchange, 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, small business, dependents, dependent insurance, family insurance benefits

Overcoming Employee Disengagement

Posted by: Bill Olson    Aug 27, 2014 2:31:00 PM

By Peter Freska, CEBS, Advisor
The LBL Group 
A United Benefit Advisors Partner Firm 

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Topics: health care reform, employee benefits, health care, health care costs, employee satisfaction, hr consulting, employee engagement, wellness, ancillary benefits, absence management, disability management, absenteeism, UBA Partner Firm, voluntary benefits, ACA, employee health, insurance solutions, medical plan, self funded health plans, disability insurance, wellness programs, HRA, health risk assessment

Dependent Eligibility: Top Three Reasons Why You Shouldn’t Audit

Posted by: Bill Olson    Aug 26, 2014 11:02:00 AM

Recently, UBA Partner Mike Humphrey, Senior Benefits Advisor at The Wilson Agency, shared some great insights for those who are considering doing a dependent audit.  He points out three reasons why you shouldn’t do these audits and offers a much better approach to reining in costs associated with covering dependents that should no longer be on your plan.  Humphrey’s long tenure counseling large employers shows once again that sometimes quick-fix solutions for eliminating wasteful spending aren’t worth it in the end, no matter how well intended. Instead, simple changes to the up front enrollment process can avoid a lot of headaches and keep costs in line.

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Topics: PPACA, health insurance exchanges, employee wellness, retirement, health marketplace, small group employers, Group health plans, private insurance exchange, 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, small business, dependents, dependent insurance, family insurance benefits

Part 3: The Affordable Care Act: Affordable ... or just an Act?

Posted by: Bill Olson    Aug 21, 2014 2:13:00 PM

(This is the third article of a three-part series. Read Part One here and Part Two here.)

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Topics: PPACA, health insurance exchanges, employee wellness, retirement, health marketplace, small group employers, Group health plans, private insurance exchange, 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, small business

Part 2: The Affordable Care Act: Affordable ... or just an Act?

Posted by: Bill Olson    Aug 19, 2014 1:29:00 PM

(This is the second article of a three-part series. Read Part One here.)

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Topics: PPACA, health insurance exchanges, employee wellness, retirement, health marketplace, small group employers, Group health plans, private insurance exchange, 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, small business

The Affordable Care Act: Affordable... or just an Act?

Posted by: Bill Olson    Aug 15, 2014 2:56:00 PM

Part 1 (the first article of a three-part series)

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Topics: PPACA, health insurance exchanges, employee wellness, retirement, health marketplace, small group employers, Group health plans, private insurance exchange, 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, small business

IRS Issues Drafts of Individual and Employer Responsibility Reporting Forms

Posted by: Linda Rowings    Aug 13, 2014 1:53:00 PM

In order for the 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 insurers will be required to provide reporting on the health coverage they offer. Reporting will first be due early in 2016, based on coverage in 2015.

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Topics: PPACA, health insurance exchanges, employee wellness, retirement, health marketplace, small group employers, Group health plans, private insurance exchange, 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, small business

The Road to Better Absence Management

Posted by: Bill Olson    Aug 11, 2014 4:14:00 PM

By Stephen Coffman, Group Practice Leader
The Guardian Life Insurance Company of America  

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Topics: health care reform, employee benefits, health care, health care costs, employee satisfaction, hr consulting, employee engagement, wellness, ancillary benefits, absence management, disability management, absenteeism, UBA Partner Firm, voluntary benefits, ACA, employee health, insurance solutions, medical plan, self funded health plans, disability insurance, wellness programs

Small Group Insured Plans and PPACA

Posted by: Linda Rowings    Aug 7, 2014 9:00:00 AM

PPACA brings numerous responsibilities and options to employers. Below is a summary of the PPACA provisions that apply to group health plans and whether the provision applies to insured small group plans (50 or fewer employees) provided inside and outside the SHOP exchange.

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Topics: PPACA, health insurance exchanges, employee wellness, retirement, health marketplace, small group employers, Group health plans, private insurance exchange, 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, small business