United Benefit Advisors Insight and Analysis Blog

Regulations Regarding Short-Term Limited-Duration Insurance, Excepted Benefits, and Lifetime/Annual Limits

Posted by: Danielle Capilla    Dec 27, 2016 9:30:00 AM

Recently, the U.S. Department of the Treasury, Department of Labor (DOL), and Department of Health and Human Services (HHS) (collectively the Departments) issued final regulations regarding the definition of short-term, limited-duration insurance, standards for travel insurance and supplemental health insurance coverage to be considered excepted benefits, and an amendment relating to the prohibition on lifetime and annual dollar limits.

Read More

Topics: group health insurance, excepted benefits, supplemental health coverage, Danielle Capilla, travel insurance, short-term insurance

Agencies Provide Guidance on Single Benefit Products and Excepted Benefits

Posted by: Linda Rowings    Mar 12, 2015 11:00:00 AM

On February 13, 2015, the regulatory agencies issued an FAQ on whether supplemental health insurance coverage that provides additional categories of benefits may qualify as supplemental excepted benefits. Many provisions of PPACA do not apply to excepted health benefits. Supplemental excepted benefits are those that are provided under a separate policy, certificate, or contract of insurance and are Medicare supplement insurance (Medigap), Tricare supplemental programs, or “similar” supplemental coverage.

Read More

Topics: ACA, health care reform, PPACA, excepted benefits, supplemental health coverage