At some point, you have to get creative.
|
|
- Jasper Rodgers
- 8 years ago
- Views:
Transcription
1 US HEALTH AND LIFE INSURANCE UNDERWRITING ADMINISTRATION Simple. Seamless. SafeGuard Self-Funding Why Self-Funding?
2 Insurance is one of those costs that just keeps going up and up... At some point, you have to get creative. Entrepreneur.com
3 Self-funding group health coverage makes sense for small to mid-size employers who: Ÿ Have a healthy workforce Ÿ Would like to take a more active role in managing their group s healthcare costs Ÿ Are willing to take on limited risk for their group s healthcare claims Ÿ Are ready to think out of the fullyinsured healthcare coverage box
4 Q: Why does it make sense for small to mid-size employers to consider self-funding now when this has traditionally only worked for large employers? A: Numerous PPACA mandates have resulted in significantly higher rates for many healthy groups so high that the money spent on premiums could far exceed group claims.
5 Cost Advantages of Self-Funding Healthcare Coverage Certain PPACA taxes and fees are charged only on insured premium collected only on excess loss insurance premium in a self-funded program rather than the total premium of insured coverage. Potential savings on taxable premium: 1.5% to 3% Underwriting is still allowed as a rating method for excess loss insurance within a selffunded plan. Potential savings for select groups on insured premium: 31% An estimated 50% of groups have annual claims which fall below the claims reserve account balance. Potential savings of unspent claims reserve account funds: 35%
6 Q: How is small group self-funded health coverage usually structured? A: A small group self-funded health plan usually consists of administrative services, funding of a claims reserve account and excess loss insurance coverage, bundled into a packaged solution.
7 Administrative Services What is usually included? In most cases, employers electing self-funded coverage employ a Third Party Administrator (TPA) to provide services and resources which cover day-to-day administration of the health plan, including: Employee enrollments, eligibility and billing ID cards, EOBs, and ongoing communications Claim processing and payments Account management and customer service Coordination of benefits and subrogation Plan analysis and reporting Negotiation of network access fees
8 The Claims Reserve Account As Plan Sponsor of the self-funded group healthcare plan, the employer funds an account from which qualified employee medical claims are paid. In the typical scenario, the TPA is authorized to make claim payments from this fund.
9 Financial Protection for the Employer: Excess Loss Insurance Coverage Employers self-funding their group medical coverage gain protection from spikes in claims, or shock claims, by purchasing excess loss insurance coverage. This coverage is offered in various forms, the two most typical being specific excess loss insurance coverage, which protects against unexpected claims incurred by an individual member; and aggregate excess loss insurance coverage, which protects against high total claims for the overall healthcare plan.
10 Tips on Selecting a Small Group Self-Funded Health Plan A wide range of options exist for the small to mid-size employer seeking self-funded health coverage. Several key issues should be considered when making a selection: Experience and qualifications of the TPA Size and professionalism of TPA staff Bundled v. unbundled i.e. TPA services and excess loss insurance coverage provided by a single source v. multiple sources Network strength and provider discounts Quality of coverage Accessibility
11 SafeGuard Self-Funding Offers an Ideal Fit þ þ þ þ þ þ Nearly two decades of experience as a TPA A staff of 170 professionals ready to assist Same-source health plans, excess loss insurance coverage and administration Major Preferred Provider Organization (PPO) memberships and significant discount schedules Proven health plans Service wherever and whenever needed via live operators, and 24/7 online and electronic resources
12 For additional information on SafeGuard Self-Funding, select an option below: Speak with a Sales Representative Contact USHL Sales Support at (844) or send an to SalesSupport@ushealthandlife.com Learn more about USHL SafeGuard Self-Funding Review SafeGuard Self-Funding Benefit Designs Review Frequently Asked Questions Obtain a Quote
Reporting, Re-Contracting and Settlement
US HEALTH AND LIFE INSURANCE UNDERWRITING ADMINISTRATION Simple. Seamless. SafeGuard Self-Funding Reporting, Re-Contracting and Settlement The SafeGuard Self-Funding Timeline Ÿ Although SafeGuard Self-Funding
More informationASO. BlueCross BlueShield of Oregon HOW AN ADMINISTRATIVE SERVICES ONLY (ASO) PLAN CAN WORK FOR YOU AN INTRODUCTION FOR GROUPS OF 51-99 MT HOOD
BlueCross BlueShield of Oregon ASO HOW AN ADMINISTRATIVE SERVICES ONLY (ASO) PLAN CAN WORK FOR YOU AN INTRODUCTION FOR GROUPS OF 51-99 Regence BlueCross BlueShield of Oregon is an Independent Licensee
More informationMedical Stop-Loss 101
Medical Stop-Loss 101 March 2013 What Is a Self-Funded Medical Plan? A self-funded (or self-insured) medical plan is one in which the employer assumes the financial risk for providing healthcare benefits
More informationInsurance 101 for Students
Insurance 101 for Students Health Care in the United States The U.S. does not offer free medical care to the general public Medical care is very expensive Doctor office visit: $150 - $200 Annual asthma
More informationEmpowered Solutions. Self-funded health benefit products from Physicians Plus
Empowered Solutions Self-funded health benefit products from Physicians Plus Self-funded health benefit plans are a different way to do health insurance for small employers. You can provide your employees
More informationUSI Insurance Services. House Education & Workforce Committee. Subcommittee on Health, Employment, Labor & Pension.
USI Insurance Services House Education & Workforce Committee Subcommittee on Health, Employment, Labor & Pension February 26, 2014 Providing Access to Affordable, Flexible Health Plans Through Self-Insurance
More informationMEDICAL SELF-INSURED PLAN HEALTH INSURANCE. FOR YOU. WHEREVER. WHENEVER.
MEDICAL SELF-INSURED PLAN HEALTH INSURANCE. FOR YOU. WHEREVER. WHENEVER. MEDICAL SELF-INSURED PLAN THE ALTERNATIVE TO FULLY-INSURED SOLUTIONS A self insured plan may represent an effective long-term strategy
More informationMELTZER GROUP BENEFITS SELF-FUNDING MYTHS AND ADVANTAGES
MELTZER GROUP BENEFITS SELF-FUNDING MYTHS AND ADVANTAGES TODAY S AGENDA I. Summary II. Common Misperceptions of Self-Funding III. Advantages of Self-Funding IV. Stop Loss Contract Terms and Options V.
More informationSelf-Funding and CIGNA Select Solutions. Brian Helmly Rogers Benefit Group
Self-Funding and CIGNA Select Solutions Brian Helmly Rogers Benefit Group 1 Innovative funding options CIGNA offers more funding options for smaller companies than any other national health company. A
More informationRequest for Comment #1 How common is the use of stop-loss insurance in connection with self-insured arrangements?
U.S. Department of Labor Office of Health Plan Standards and Compliance Assistance Employee Benefits Security Administration Room N-5653 200 Constitution Avenue, NW Washington, DC 20210 Re: Request for
More informationGroup Marketing Services, Inc. GROUP HEALTH INSURANCE HAS NEVER BEEN SO EASY
Group Marketing Services, Inc. GROUP HEALTH INSURANCE HAS NEVER BEEN SO EASY GROUP MARKETING SERVICES, INC. Overview What is Group Insurance? Insurance coverage purchased by an employer for the benefit
More informationChange your perspective and watch your health care savings add up.
5537 Change your perspective and watch your health care savings add up. Let us show you how much you can save by exploring self-funding solutions. Welcome to the brave new world of benefits plans. The
More informationSelf-Insurance: Is it Right For You?
Self-Insurance: Is it Right For You? Presented By: Paul Wirth Kim Capps Presentation Overview Welcome and Introductions Comparison Fully-Insured vs. Self-Insured Administration Options Managed Risk Stop
More informationHealth Insurance - Citizens Wellness Culture
Citizens Property Insurance Corporation 2015 Health Plan Overview HR Benefits Department September 2014 2013 Citizens made significant benefit plan design changes that included increases to the following:
More informationYOUR HEALTH PLAN AND HEALTH REIMBURSEMENT ARRANGEMENT. Employee Guide
YOUR HEALTH PLAN AND HEALTH REIMBURSEMENT ARRANGEMENT Employee Guide :: Overview.... 1 :: HRA Basics... 2 :: Claim Payments... 3 :: Online Health Tools... 4 :: HRA Frequently Asked Questions... 5 TABLE
More informationSelf-Insured Health Plans for Beginners. 2011, Coastal Management Services
Self-Insured Health Plans for Beginners Funding: Funding is simply the means by which an employer pays for employee benefit programs The funding spectrum can range from Fully Insured (premium payment)
More informationFAQs: Variable Hour Employees Working on Campus and the Affordable Care Act (ACA)
FAQs: Variable Hour Employees Working on Campus and the Affordable Care Act (ACA) As you may know, Health Care Reform (the Affordable Care Act or ACA) is underway and new aspects of the regulations become
More informationANNUAL REPORT ON THE PERFORMANCE OF THE MASSACHUSETTS HEALTH CARE SYSTEM
CENTER FOR HEALTH INFORMATION AND ANALYSIS ANNUAL REPORT ON THE PERFORMANCE OF THE MASSACHUSETTS HEALTH CARE SYSTEM SUPPLEMENT 10: COMMERCIAL HEALTH INSURANCE COVERAGE Commercial Health Insurance Coverage
More informationHEALTH INSURANCE PLANS AND COSTS Q: What CTPF sponsored health insurance plans for Medicare-eligible members are available in
HEALTH INSURANCE PLANS AND COSTS Q: What CTPF sponsored health insurance plans for Medicare-eligible members are available in 2015 and how do costs compare? A: In 2015, CTPF offers the AARP Medicare Supplement
More informationWHEN YOU RE CONSIDERING SELF-FUNDING
WHEN YOU RE CONSIDERING SELF-FUNDING PO Box 44365 Madison, Wisconsin 53744-4365 800.223.4139 608.276.6620 www.the-alliance.org This is a general information pamphlet and discussion guide on self-funding
More informationHow To Make A School Health Insurance Plan More Affordable
The ACA and YOUR School April 30, 2014 Presented by Borislow Insurance 2014 Individual coverage mandate or penalty Subsidies for those that qualify State exchanges operational Rating rule changes for small
More informationPartial Self Funding and Population Health Management. Facts, Concepts, and Strategies
Partial Self Funding and Population Health Management Facts, Concepts, and Strategies Spring-Summer 2016 Agenda Framing the Conversation Opportunity provided by the ACA How do Fully Insured / Self Funded
More informationQBE A&H, LLC UNDERWRITING GUIDE
QBE A&H, LLC UNDERWRITING GUIDE OVERVIEW QBE A&H, LLC was created to surpass the needs of Third Party Administrators (TPA's) and broker/consultants specializing in the self-funded employee benefits marketplace.
More informationHeritage Consultants - Professional Administrators Trusted Health Plan Administrator Since 1972
Heritage Consultants - Professional Administrators Trusted Health Plan Administrator Since 1972 Heritage Consultants - Professional Administrators (HCPA) is a licensed Third Party Administrator specializing
More informationEmployee Healthcare Program
Employee Healthcare Program 14,344 ees 14,673 ees 14,948 ees 14,040 ees 15,422 ees 16,005 ees 16,411 ees 16,632 ees 16,626 ees 16,847 ees 17,110 ees 17,560 ees 17,685 ees 17,723 ees Indiana University
More informationFrequently Asked Questions: How Health Reform Law Protects Patients
Frequently Asked Questions: How Health Reform Law Protects Patients In this section: Grandfathered Health Plans Patient Protections Medical Loss Ratio (MLR) Summary of Benefits and Coverage Grandfathered
More informationTHE VALUE OF SELF-FUNDING
THE VALUE OF SELF-FUNDING THE CHALLENGE OF AFFORDABLE HEALTH COVERAGE Rising costs and increased instability in the healthcare marketplace has prompted more employers of all types and sizes to consider
More informationSample Group (52 Lives)
Group Insurance Analysis BEN-E-LECT can use a variety of insurance Companies to meet the needs of our clients. We quote the carriers that best address those needs. Group Insurance Proposal For: Effective
More informationSimplicity Health Plans Brings Consumerism to Vieira Bakery, Inc.
Simplicity Health Plans Brings Consumerism to Vieira Bakery, Inc. As healthcare costs continued to spiral out of control and the recent recession causing enormous burden on most small businesses, Vieira
More informationCOBRA Proposal. Presented by O. C. A. B E N E F I T S E R V I C E S, L L C.
COBRA Proposal Presented by 2014 O. C. A. B E N E F I T S E R V I C E S, L L C. In 1983 O.C.A. Benefit Services opened its doors with one goal; to help people. Since then O.C.A. has grown to a national
More informationSelf Funding Terminology Cheat Sheet
Self Funding Terminology Cheat Sheet KEY TERM ALTERNATIVE NAMES DEFINITION Aggregate Stop Loss ASL, Agg Aggregate stop loss insurance provides a maximum claim liability for the entire group. Aggregating
More informationWe re more than just your traditional TPA!
We re more than just your traditional TPA! About us Preferred Risk Administrators offers a wide range of TPA services. Whether you re an individual or group carrier, or a self funded group, we have what
More informationTime to Take Another Look at Stop-Loss Insurance
Benefits, Compensation and HR Consulting JANUARY 2015 Time to Take Another Look at Stop-Loss Insurance Two developments underscore the importance of taking a fresh look at stop-loss coverage. First, the
More informationBROKER PRICING LEVERAGE IN THE FULLY-INSURED GROUP HEALTH MARKET INSURANCE AND RISK ADVISORY SERVICES
BROKER PRICING LEVERAGE IN THE FULLY-INSURED GROUP HEALTH MARKET INSURANCE AND RISK ADVISORY SERVICES INSURANCE AND RISK ADVISORY SERVICES Broker Pricing Leverage in the Fully-Insured Group Health Market
More informationCity of Minneapolis Health Plan Self-Insurance. April 23, 2014
City of Minneapolis Health Plan Self-Insurance April 23, 2014 Agenda Insurance principles Review 2013 self-insurance discussions Multiple Employer Welfare Association (MEWA) / Self-Insurance Pools Recommendation
More informationTO INSURE OR SELF INSURE THAT IS THE QUESTION CONSIDERATIONS
TO INSURE OR SELF INSURE THAT IS THE QUESTION Karen Bender, FCA, ASA, MAAA Principal and Consulting Actuary CONSIDERATIONS FINANCIAL CONSIDERATIONS ADMINISTRATIVE CONSIDERATIONS COMPLIANCE CONSIDERATIONS
More informationGroup Health Insurance: A Valued Employee Benefit
Vertex Wealth Management, LLC Michael J. Aluotto, CRPC President Private Wealth Manager 1325 Franklin Ave., Ste. 335 Garden City, NY 11530 516-294-8200 mjaluotto@1stallied.com Group Health Insurance: A
More informationHealth Insurance 101. A brief overview of health insurance 10/15/09
Health Insurance 101 A brief overview of health insurance 10/15/09 Health Care vs. Health Insurance Health Care is Provision of Medical Services by Private Physicians and Hospitals (private pay or insurance)
More informationPatient Protection and Affordable Care Act Compliance Checklist for Employers
October, 2014 Patient Protection and Affordable Care Act Compliance Checklist for Employers Under the Employer Mandate in the Affordable Care Act, effective January 1, 2015, employers with 50 or more full-time
More informationREQUEST FOR PROPOSAL FOR EMPLOYEE BENEFIT BROKERAGE CONSULTING SERVICES City of Poway
REQUEST FOR PROPOSAL FOR EMPLOYEE BENEFIT BROKERAGE CONSULTING SERVICES City of Poway I. INVITATION The City of Poway is interested in obtaining the services of a professional, highly qualified benefits
More informationHealth Care Reform Management Alert Series Roadmap of Plan Changes Needed For Upcoming Plan Years
Health Care Reform Management Alert Series Roadmap of Plan Changes Needed For Upcoming Plan Years Seyfarth Shaw has generously given permission to Lawyers Alliance for New York to circulate this chart
More information2015 BENEFIT PLAN RECOMMENDATIONS GROUP DENTAL, LIFE, DISABILITY AND ACCIDENTAL DEATH AND DISMEMBERMENT INSURANCE PLANS
Attached please find a summary and supporting analysis reflecting the recommendations for selection of a Dental Plan provider and selection of a provider of Life/Accidental Death and Dismemberment ( AD&D
More informationProtect your ministry with GuideStone s self-funded health plans
Protect your ministry with GuideStone s self-funded health plans Ministries are searching for ways to comply with health care reform and provide quality health coverage to their staff without breaking
More informationThis is a sample proposal only. Rates may vary. To order a customized proposal for your business, see MedSave.com/Corehealth.
This is a sample proposal only. Rates may vary. To order a customized proposal for your business, see MedSave.com/Corehealth. OnlineAdviser at MedSave.com 800-609-0683 onlineadviser@medsave.com Core Health
More informationPrivate Insurance Fundamentals: Health Insurance Coverage, the Market, and Insurance Regulation. Bernadette Fernandez February 25, 2011
Private Insurance Fundamentals: Health Insurance Coverage, the Market, and Insurance Regulation Bernadette Fernandez February 25, 2011 Health Insurance Insurance provides protection from economic loss
More informationACA imposes a 40 percent excise tax on the cost of coverage exceeding $10,200 for single coverage and $27,500 for family coverage.
Affordable Care Act In Focus: Provisions Impacting Employer-Sponsored Health Coverage Through 2020 While many employers are wondering if self-funding is the right solution for their business, a number
More informationHow Health Benefit Exchanges Fit in Your Health and Welfare Strategy
How Health Benefit Exchanges Fit in Your Health and Welfare Strategy December 10, 2013 2:00 3:00 pm ET The audio for this webcast will play using your computer s speakers. If you experience audio problems
More informationB. Present plan enhancement and/or cost reduction strategies whenever possible. C. Enhance plan communication and legal compliance efforts.
Dear : Union College is soliciting proposals from insurance brokers/consultants qualified to perform and interested in performing brokerage and consulting services for the modification and refinement of
More informationUnderstanding Your. Dental Benefits
Understanding Your Dental Benefits Table of Contents Foreword...2 Why Offer a Dental Benefit?...3 The Difference between Medical and Dental Needs and Treatments...3 Section 1. Things to Consider Before
More information$5,615 $15,745. Employer Health Benefits 2012 ANNUAL SURVEY. High-Deductible Health Plans with Savings Option. section
61% $15,745 Employer Health Benefits 2012 ANNUAL SURVEY High-Deductible Health Plans with Savings Option section $5,615 2012 HIGH-DEDUCTIBLE HEALTH PLANS WITH SAVINGS OPTION Changes in law over the past
More informationParamount Health Care Administrative Services Only (ASO)
Paramount Health Care Administrative Services Only (ASO) The majority of Paramount large group clients self-fund their healthcare programs. Paramount maintains the staff and resources it takes to deal
More informationRetirement plans: Risks and challenges for today s employers. www.ima-net.org Fall 2006. Wellness programs: Holding the
Retirement plans: Risks and challenges for today s employers Manufacturer The Illinois www.ima-net.org Fall 2006 Wellness programs: Holding the line on the rising cost of healthcare The Illinois Manufacturer
More informationQ. My company already offers employee health coverage, how does the law impact me?
Frequently Asked Questions Q. Will my business be required to provide employee health insurance under the health care law? A. The law does not mandate employers provide employees health care coverage.
More informationATTACHMENT A - STATEMENT OF WORK REQUEST FOR PROPOSALS FOR INDEPENDENT BENEFIT CONSULTING, ACTUARIAL AND AUDITING SERVICES DMS-13/14-018
4050 Esplanade Way Tallahassee, Florida 32399-0950 Tel: 850.488.2786 Fax: 850. 922.6149 Rick Scott, Governor Craig J. Nichols, Agency Secretary ATTACHMENT A - STATEMENT OF WORK REQUEST FOR PROPOSALS FOR
More informationThinking Health Forward. Self-Funded Health Plans Level-Funding Administration and Stop-Loss Insurance for Employer Groups
Thinking Health Forward Self-Funded Health Plans Level-Funding Administration and Stop-Loss Insurance for Employer Groups A Smart, Affordable, Simple Plan for Your Business from Cox HealthPlans Cox HealthPlans
More informationConsumer Driven Health Plan (CDHP) with Health Savings Account (HSA)
Consumer Driven Health Plan (CDHP) with Health Savings Account (HSA) Interact with this ebrochure. Here s how. This ebrochure is designed for onscreen viewing, allowing you to navigate through the document
More informationgroup insurance Portfolio for 10 or more employees Companion Commitment positioned to exceed expectations.
group insurance Portfolio for 10 or more employees positioned to exceed Companion Commitment expectations. understanding perspective creates Companion Commitment opportunity. Support. Service. Innovation.
More informationSelf-funding. advantages and myths of. for employers with fewer than 250 employees 1. Cigna White Paper. Summary.
White Paper advantages and myths of Self-funding for employers with fewer than 250 employees 1 Summary Self-funding an employee health benefit plan is a long-term health strategy to save money because
More informationSelf Funded Health Insurance To be or not to be?
Self Funded Health Insurance To be or not to be? Janet S. Spencer A.S.A, M.A.A.A., C.P.A. Self Funded Insurance To be or not to be? BlueCross BlueShield of SC (BCBSSC) Self Funded To be or not to be? Important
More informationKentucky Health Benefit Exchange Information for Small Employer Groups
Kentucky Health Benefit Exchange Information for Small Employer Groups 2014 Small Group Insurance Reforms The health status of individuals in the group cannot be considered. Medical underwriting is eliminated,
More informationNew York Dependent to Age 29 Frequently Asked Questions
New York Dependent to Age 29 Frequently Asked Questions Governor David A. Paterson signed into law Chapter 240 of the Laws of 2009, which extends the availability of health insurance coverage to young
More informationQBE A&H, LLC RISK MANAGEMENT GUIDE
QBE A&H, LLC RISK MANAGEMENT GUIDE PHILOSOPHY 1 CONFIDENTIALITY 1 UNDERWRITING PROCESS 1 RISK MANAGEMENT PROCESS 1 SPECIALTY RISK MANGMENT VENDORS 3 OUTCOME-BASED CENTERS OF EXCELLENCE 3 DIALYSIS COST
More informationFUNDAMENTALS OF MANAGED CARE
FUNDAMENTALS OF MANAGED CARE HIV/AIDS BUREAU HEALTH RESOURCES AND SERVICES ADMINISTRATION HRSA HIV/AIDS Bureau 1 FUNDAMENTALS OF MANAGED CARE 1. Managed Care Elements 2. Organizational Models 3. Continuum
More informationOptiMed Comprehensive Major Medical Partner Program Brochure. OptiMed Health Plans. 4 Terry Drive, Suite 1 Newtown, PA 18940 (800) 482-8770 x 215
OptiMed Comprehensive Major Medical Partner Program Brochure 25% Employer Contribution Required Benefits Paid Directly to Provider Participation Requirements Apply OptiMed Health Plans 4 Terry Drive, Suite
More informationA partnership that offers an exclusive insurance product! The Chambers of Commerce in Hamilton County and ADVANTAGE Health Solutions, Inc.
The Chambers of Commerce in Hamilton County and ADVANTAGE Health Solutions, Inc. SM A partnership that offers an exclusive insurance product! CHAMBER OF COMMERCE The Chambers of Commerce in Hamilton County
More informationDavid Lyons Founding Director and Chief Executive Officer
The New Health Insurance Marketplace Changes Impacting Small Employers and the SHOP Opportunity David Lyons Founding Director and Chief Executive Officer CoOportunity Health 10/1/2013 1 Why the Change?
More informationCreating Healthier Benefits
Creating Healthier Benefits SM M aking the greatest use of your healthcare dollars is our goal at Interactive Medical Systems (IMS). We create, implement and administer customized benefits plans. A customized
More informationEvaluating Prospective Health Insurance Funding Arrangements for Your Firm
Evaluating Prospective Health Insurance Funding Arrangements for Your Firm Presented by Mark Shore HR04 9/13/2014 9:15 AM - 10:30 AM Evaluating Prospective Insurance Funding Arrangements Presented by:
More informationunderstanding plan design options under the aca
Sub-nomenclature February 2014 employee benefits strategy for 2015 understanding plan design options under the aca Content: 2 Fully insured 3 Self-funded plans 4 Defined Contribution 4 dropping coverage
More informationClear Creek Amana Community School District
Clear Creek Amana Community School District Clear Creek Amana CSD Plan Comparison Plan Design Purchasing Plan Buy Down Option 1: Wellmark Alliance Select Wellmark Alliance Select Buy Down Option 2: Wellmark
More informationOvercoming. Common Myths. The Case For Self Insurance: 4 June 2013 The Self-Insurer Self-Insurers Publishing Corp. All rights reserved.
The Case For Self Insurance: Overcoming Common Myths by George J. Pantos, Esq. 4 June 2013 The Self-Insurer Self-Insurers Publishing Corp. All rights reserved. In today s changing healthcare landscape,
More informationData Components Needed to Obtain a Competitive Health Insurance Quote
Data Components Needed to Obtain a Competitive Health Insurance Quote Please gather as much of these data components as possible and submit to brian@houstonbenefitservices.com Office (832) 746-7270 Or
More informationYou and Healthcare Reform. You and your benefits through The Distirct. You and Insurance Marketplaces (Exchanges)
You and Healthcare Reform The Patient Protection and Affordable Care Act (PPACA, also known as Healthcare Reform) is a set of laws that affect healthcare coverage in the United States. While there is a
More informationAccount Based Health Plan with Health Savings Account Guide
Account Based Health Plan with Health Savings Account Guide Lead the way Page 1 2016 ABHP with HSA Guide You re in control with an Account-Based Health Plan Philips believes an Account Based Health Plan
More informationAnother Notice and Request for Comments on the Cadillac Tax
Another Notice and Request for Comments on the Cadillac Tax On July 30, the Department of the Treasury and Internal Revenue Service (IRS) issued Notice 2015-52. This is the second Notice asking for stakeholder
More informationStudy of 2010 Southeast Wisconsin Community Healthcare Premium Costs
Study of 2010 Southeast Wisconsin Community Healthcare Premium Costs Greater Milwaukee Business Foundation on Health, Inc. December 14, 2011 Services provided by Mercer Health & Benefits LLC Uses of This
More informationClosing the Coverage Gap
MEDICARE PRESCRIPTION DRUG COVERAGE REVISED MAY 2013 Information Partners Can Use on: Closing the Coverage Gap The Affordable Care Act includes provisions to close the Medicare Part D prescription drug
More informationSouth Central Ohio Insurance Consortium
South Central Ohio Insurance Consortium The management of employee benefits not an insurance product Joining together to achieve better service and management Providing the most comprehensive coverage
More informationFamily Life Insurance - A Summary of the California State Firefighter Employee Welfare Benefits Corporation
You never know what can happen on your watch. Is your family financially secure? Updating your family s financial security is Simple, Affordable & SAFE! C-07 The California State Firefighters Employee
More informationMemorial Hermann Employer Occupational Accident Program Houston, Texas
Memorial Hermann Employer Occupational Accident Program Houston, Texas Memorial Hermann Health Solutions, Inc. Employer Occupational Accident Program Insurance underwritten by ACE American Insurance Company
More information2011 Health Insurance Trend Driver Survey
Consulting Health & Benefits 2011 Health Insurance Trend Driver Survey 2011 Health Insurance Trend Driver Survey Contents 2 Introduction Comparison to Other Surveys About the Survey 6 9 Trend and Premium
More informationRequest For Proposals - A City of Columbus, Indiana Medical Insurance
Request for Proposals Third Party Administrative Services For City of Columbus Self-Funded Health Plan Date: April 21, 2015 Proposal Location: City of Columbus, Indiana Response Due Date and Time: June
More informationA number of features have made self-insurance an attractive option for employers.
The American Association of Payers, Administrators and Networks provides a look at the vital role the selffunded insurance market plays in the U.S. healthcare system and the challenges and opportunities
More informationPrivate Exchanges. What Are They? And What Issues Do They Present?
Private Exchanges What Are They? And What Issues Do They Present? Presented by Christopher Condeluci, J.D., Venable LLP, Washington, D.C. For NCSL Fall Forum, November 30, 2011 The Drivers of Health Care
More informationHealth Savings Account: What it could mean for you and CSU? 4/2/15
Health Savings Account: What it could mean for you and CSU? 4/2/15 Diana Prieto Executive Director and Chief Human Resource Officer Teri Suhr Chief Total Rewards Officer Discussion Items Medical Plan Funding
More information2014 InsureXSolutions. Small Business. Private Insurance Exchange
2014 InsureXSolutions. Small Business Health Insurance Marketplace 2 Everything is Changing When the Affordable Care Act (ACA) was signed into law in 2010, it was inevitable that businesses, large and
More informationSuite Spot from Kaiser Permanente. Suite Spot. from Kaiser Permanente and UnitedHealthcare. A new solution for your clients with 51 or more employees
Suite Spot from Kaiser Permanente and UnitedHealthcare A new solution for your clients with 51 or more employees Suite Spot from Kaiser Permanente and UnitedHealthcare One simple solution enriches your
More informationNo medical questions Affordable monthly premium Easy online enrollment
Limited benefit medical insurance coverage for individuals and families. No medical questions Affordable monthly premium Easy online enrollment The IHC Group is an insurance organization composed of Independence
More informationHEALTH INSURANCE CHALLENGES FACING NON-PROFITS
HEALTH INSURANCE CHALLENGES FACING NON-PROFITS Presented by: Diane Goldman, New Agency Partners Warren Cooperstein, Benefit Mall Rob Schlossberg, Benefit Mall December 12, 2012 THE PROBLEM Steadily Increasing
More informationBeware of Stop-Loss Coverage Gaps When Choosing a Self-Funded Major Medical Plan
Beware of Stop-Loss Coverage Gaps When Choosing a Self-Funded Major Medical Plan Alden J. Bianchi, Esq., Member, Mintz Levin Edward A. Lenz, Esq., Senior Advisor, Mintz Levin February 24, 2015 Mintz Levin.
More informationBenefit Highlights March 1, 2012 February 28, 2013
Benefit Highlights March 1, 2012 February 28, 2013 An Industry Leader With a history dating back to 1925, Alliant Insurance Services, Inc. is a leading distributor of diversified insurance products and
More information2015 BENEFITS. There are important decisions to make. Look inside to learn more.
2015 BENEFITS There are important decisions to make. Look inside to learn more. 1 Welcome to Enable Midstream! This is an exciting time to work at Enable Midstream. We are so glad you are part of our team.
More informationPrivate Health Insurance Exchanges: What Are They and What Makes Them Successful? Alan Cohen and Christopher Condeluci
Alan Cohen and Christopher Condeluci By: Alan Cohen and Christopher Condeluci Private health insurance exchanges or private exchanges have been a hot topic of discussion over the past several months. Most
More informationHealth Reform: A Guide for Employers
Updated with information on the Supreme Court health reform decision July 2012 Health Reform: A Guide for Employers Simple answers to health reform s complex issues facing every employer and what you can
More informationUNDERSTANDING PLAN DESIGN OPTIONS UNDER THE ACA
Sub-nomenclature FEBRUARY 2014 EMPLOYEE BENEFITS STRATEGY FOR 2015 UNDERSTANDING PLAN DESIGN OPTIONS UNDER THE ACA CONTENT: 2 FULLY INSURED 3 SELF-FUNDED PLANS 4 DEFINED CONTRIBUTION 4 DROPPING COVERAGE
More informationHIPAA Policy, Protection, and Pitfalls ARTHUR J. GALLAGHER & CO. BUSINESS WITHOUT BARRIERS
HIPAA Policy, Protection, and Pitfalls Overview HIPAA Privacy Basics What s covered by HIPAA privacy rules, and what isn t? Interlude on the Hands-Off Group Health Plan When does this exception apply,
More informationUNDERSTANDING HEALTH INSURANCE TERMINOLOGY
UNDERSTANDING HEALTH INSURANCE TERMINOLOGY The information in this brochure is a guide to the terminology used in health insurance today. We hope this allows you to better understand these terms and your
More informationRobert A. Ficano County Executive WAYNE COUNTY PURCHASING DIVISION REQUEST FOR PROPOSALS FOR EMPLOYEE / RETIREE VISION BENEFITS
Robert A. Ficano County Executive WAYNE COUNTY PURCHASING DIVISION REQUEST FOR PROPOSALS FOR EMPLOYEE / RETIREE VISION BENEFITS CONTROL #37-13-081 ADDENDUM NO. 2 ADDENDUM ISSUE DATE: MONDAY, JUNE 24, 2013
More informationHealth Insurance. A Small Business Guide. New York State Insurance Department
Health Insurance A Small Business Guide New York State Insurance Department Health Insurance A Small Business Guide The Key Health insurance is a key benefit of employment. Most organizations with more
More informationHealth Care Reform & The Health Insurance Marketplace. Presented by Mikal A Jeffries, CEBS Account Manager
Health Care Reform & The Health Insurance Marketplace Presented by Mikal A Jeffries, CEBS Account Manager 1 Health Care Reform Review Goals of Health Care Reform Increase number of Americans with health
More information