Recently the U.S. Department of Health and Human Services announced a broader opt-out provision for religious non-profits that object to providing health insurance that covers birth control for women. This is an update to the August 2012 mandate that all health insurance plans are required to cover FDA approved and prescribed contraceptive services. There has been significant objection by some due to the contraceptive component.
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.
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.
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,