Health & Benefits

Helping with Open Enrollment

It’s Open Enrollment time again for many companies. Those covered by Small Group plans, are fearful of what this year’s rate changes will bring. Premiums have risen sharply for the past several years. To manage the expense to the organization, increased co-pays and high deductible plans have typically been passed on to your employees. Federal Regulations Bring Change and Clarity
Due to The Patient Protection and Affordable Care Act (PPACA, commonly known as “Obama Care”), employers will see changes not only in price and coverage, but in how these changes are portrayed.

The Need for Healthcare Policies

Our national health care system has been through some tumultuous changes over the past few years, but this year, we have seen some of the impact - and we have been surprised a few times. Earlier this year, we received a call from a few organizations who had fewer than 50 participants in their health care plan. They had just received a letter of non-renewal from their long-standing (very large) health insurance provider. In fact, that insurer had decided to drop all health insurance policies with fewer than 50 participants.

Mandated Contraceptive Coverage

The Patient Protection and Affordable Care Act (also known as Obamacare), mandates that all health insurance plans are now required to cover all FDA Approved and prescribed contraceptive services for women. There are two possible exceptions outlined below. A. Religious Employer Exemption (REE) for certain religious employers if they meet the following requirements: 1. Has the inculcation of religious values as its purpose,