group health benefits Archives - Page 2 of 5 - Employee Benefits I AP Benefit Advisors

2013 Revised Healthcare Reform Timelines, Version 11

If you want to see 10 pages of health reform in a 1 page timeline (well, 1 page for Employers and 1 page for Employees) then please visit our website (www.apbenefitadvisors.com/news). But, if you are looking for details specific to just a certain year or plan, then you can’t do better than this implementation timeline […]

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DOMA Unconstitutional: What's Next for my Employee Benefit Plans?

Now that the U.S. Supreme Court found section 3 of DOMA to be unconstitutional, employers, plan sponsors and employees are E-mailing and calling with questions. How soon can we amend our tax returns from single and single to married filing jointly?  When will the imputed income stop?  When will my spouse be allowed to enroll? […]

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Final Wellness Rules Expand Protections and Incentives

For a background on the subject of HIPAA Wellness programs and how PPACA modified their offerings, please see our November 20, 2012 article called “DOL Wellness Program Guidance under PPACA” Recently, HHS, DOL and the IRS (Departments of Health and Human Services, Labor and the Treasury) issued final rules on employment-based wellness programs. The final […]

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Health Status Explains 75-85% of Medicare Cost Variations

As single-payer advocates cry, “Medicare for all”, and then begin efforts to “eliminate the waste and over-treatment”, we get caught up in the argument and we just accept their premise–that there is vast cost variations and that they are tied to over-aggressive physicians/providers and their billing practices. PPACA/Obamacare was “influenced” by this thinking.  Yet, a […]

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DOL – PPACA Implementation FAQs Part 14 and 15

The month of April saw two more sets of PPACA-related FAQs (Frequently Asked Questions) from the Department of Labor. Part 14 / Part XIV This part deals with the new SBC requirements.  As we look to the 2nd year of applicability (that is for plans beginning on or after January 1, 2014 and before January […]

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Your OOPMax, Your PBM and Your Non-Grandfathered Health Plan

Your first plan year that begins on or after January 1, 2014 will be subject to cost-sharing limitations under PPACA.  All non-grandfathered plans, and by all we mean all self-insured and insured plans in the large-group market, will need to comply with annual out-of-pocket limits, referred to as OOPMaxes (Out-Of-Pocket Maximums).  (See, ER-Timeline, 2014, letter […]

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Employer Must Advertise the New Federal Exchanges – Model Notices Released

Last evening the US Department of Labor (“DOL”) released guidance regarding the notice you must provide to employees about the state exchanges (now being called “marketplaces”).  You may recall from our Healthcare Reform timelines (2013, letter “f”) that employers were scheduled to begin distributing these notices in March of 2013, but the DOL delayed the […]

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