Illinois Municipal League 97 th Annual Conference
|
|
- Allen Reeves
- 6 years ago
- Views:
Transcription
1 Illinois Municipal League 97 th Annual Conference Health Care Reform Panel Jay Dee F. Shattuck, CAE Shattuck & Associates Consulting, Inc Shattuck & Associates Consulting, Inc., 600 Phone:
2 Federal requirements effective September 23, 2010 Pre existing condition exclusions prohibited for children up to age 19 see HHS Interim Final Regulation of June 21, 2010 Rescissions prohibited (except for fraud or intentional misrepresentation) see HHS Interim Final Regulation of June 21, 2010 Internal and external appeals processes for enrollees see HHS Interim Final Regulation of July 23, 2010 Coverage of dependents up to age 26 without applying any criteria other than age or familial relationship see current Illinois law & HHS Final Interim Rule of May 13, 2010) No lifetime benefit limits. Restrictions on allowable annual benefit limits determined by HHS under its Interim Rule of June 21, 2010 $750,000 for plan years beginning 9/23/2010 9/23/2011 $1.25 million for plan years beginning 9/23/2011 9/23/2012 $2 million for plan years beginning 9/23/ /31/2013 Not applicable to grandfathered plans or flexible spending arrangements Benefits for preventive and wellness services required, with no cost sharing for in network services See HHS Interim Final Rule of July 7, 2010 Does not apply to grandfathered plans Coverage for emergency services at in network cost sharing level; no prior authorization requirements see HHS Interim Final rule of June 21, 2010 Does not apply to grandfathered plans May not discriminate in premiums against employees based on salary. Does not apply to self insured or grandfathered plans
3 Appeal Processes new health plans beginning on or after September 23, 2010 must have an internal appeals process that: Allows consumers to appeal when a health plan denies a claim for a covered service or rescinds coverage; Gives consumers detailed information about the grounds for the denial of claims or coverage; Requires plans to notify consumers about their right to appeal and instructs them on how to begin the appeals process; Ensures a full and fair review of the denial; and Provides consumers with an expedited appeals process in urgent cases.
4 Appeal Processes (continued) External appeal standards were established by the National Association of Insurance Commissioners (NAIC). States are encouraged to make changes in their external appeals laws to adopt these standards before July 1, The NAIC standards call for: External review of plan decisions to deny coverage for care based on medical necessity, appropriateness, health care setting, level of care, or effectiveness of a covered benefit. Clear information for consumers about their right to both internal and external appeals both in the standard plan materials, and at the time the company denies a claim. Expedited access to external review in some cases including emergency situations, or cases where their health plan did not follow the rules in the internal appeal. Health plans must pay the cost of the external appeal under State law, and States may not require consumers to pay more than a nominal fee. Review by an independent body assigned by the State. The State must also ensure that the reviewers meet certain standards, keep written records, and are not affected by conflicts of interest. Emergency processes for urgent claims, and a process for experimental or investigational treatment. Final decisions must be binding so, if the consumer wins, the health plan is expected to pay for the benefit that was previously denied. Illinois law (PA ) effective July 1, 2010 adopted these standards
5 Small Employer Coverage Requirements effective 2014 Small employers with 50 or fewer full time employees (FTEs) are not required to offer insurance and are not subject to penalties Part time workers (work less than 30 hours per week) are counted for purposes of determining number of FTEs: Add total number of hours worked by part time employees and divide by 120 to determine number of FTEs Example: 10 part time employees working total of 600 hours per month; = 5 additional FTEs. No employer is required to offer coverage to or pay penalties on part time workers.
6 Large Employer Coverage Requirements effective 2014 Employers with more than 50 full time employees must offer insurance meeting certain cost requirements or pay penalties: Large employers who do not offer insurance and whose employees receive public subsidies pay 1/12 of $2,000 per FTE per month, with a waiver for first 30 FTEs; Large employers who offer insurance but have employees who receive premium assistance because they cannot afford the insurance (affordability is 9.5% of income) pay the lesser of 1) 1/12 of $3,000 per FTE receiving subsidy per month, or 2) 1/12 of $2000 per month for the total number of full time employees with a waiver for first 30 FTEs Penalties calculated monthly based on number of applicable employees Employers with 200 or more workers who offer coverage must automatically enroll new employees and continue enrollment of current employees; employees may choose to opt out
7 Other Key Issues Group health plans in effect as of March 23, 2010, are grandfathered under the law and will be considered qualified coverage that meets the mandate to have health insurance that begins January Employees and dependents can be added to the policy without losing grandfather status. Insurers will continue to market private insurance plans but all new plans sold after March 23, 2010, must comply with new benefit provisions
PPACA Uniform Compliance Summary
Please select the appropriate check box below to indicate which product is amended by this filing. INDIVIDUAL HEALTH BENEFIT PLANS (Complete SECTION A only) SMALL / LARGE GROUP HEALTH BENEFIT PLANS (Complete
More informationHealth Care Reform Health Plans Overview
Health Care Reform Health Plans Overview Topics Status of health care reform Grandfathered plans Timeline for compliance Health Care Reform What is It? Patient Protection and Affordable Care Act (PPACA)
More informationHEALTH CARE REFORM: THE EMPLOYER PERSPECTIVE
www.bakerdaniels.com HEALTH CARE REFORM: THE EMPLOYER PERSPECTIVE Prepared and Presented by: Michael J. Nader Baker & Daniels LLP 111 East Wayne Street, Suite 800 Fort Wayne, IN 46802 260.460.1743 michael.nader@bakerd.com
More informationFederal Requirements for Fully Insured and Self-Funded Plans
Federal Requirements for Fully Insured and A plan sponsor s requirements under federal law will vary depending on factors such as group health plan design, size, grandfathered status, and whether the plan
More informationHealth Care Reform: Legislative Brief Important Effective Dates for Employers and Health Plans
Health Care Reform: Legislative Brief Important Effective Dates for Employers and Health Plans On March 23, 2010, President Obama signed the health care reform bill, or Affordable Care Act (ACA), into
More informationOverview of New Reform Law. Federal Healthcare Reform: Impacts on Employer-Sponsored Plans. Agenda
: Impacts on Employer-Sponsored Plans June 3, 2010 Employee Benefits Planning Association Jack McRae SVP, Congressional and Legislative Affairs Premera Blue Cross Jim Grazko VP and General Manager, Underwriting
More informationHealth Care Reform Update
Updated March 9, 2011 Health Care Reform Update Health Care Reform Timeline for Employer-Sponsored Plans This timeline provides some of the key dates associated with the Patient Protection and Affordable
More informationACA Violations Penalties and Excise Taxes
Provided by Propel Insurance ACA Violations Penalties and Excise Taxes The Affordable Care Act (ACA) includes numerous reforms for group health plans and creates new compliance obligations for employers
More informationImportant Effective Dates for Employers and Health Plans
Brought to you by Hipskind Seyfarth Risk Solutions Important Effective Dates for Employers and Health Plans On March 23, 2010, President Obama signed the health care reform bill, or Affordable Care Act
More informationProvision Description Effective Date(s)
Patient Protection and Affordable Care Act, Pub. L. No. 111-148 ( PPACA ) Health Care and Education Reconciliation Act of 2010, Pub. L. No. 111-152 ( Recon. ) Provisions Imposing New Requirements on Penalties
More informationHealth Care Reform Overview
Publication date: March 2014 Health Care Reform Overview for Large Group (51+) Plans The following chart provides a breakdown of key Affordable Care Act (ACA) provisions by year for large group plans,
More informationAffordable Care Act (ACA) Violations Penalties and Excise Taxes
Brought to you by Clark & Associates of Nevada, Inc. www.clarkandassoc.com Affordable Care Act (ACA) Violations Penalties and Excise Taxes The Affordable Care Act (ACA) includes numerous reforms for group
More informationOverview of the Affordable Care Act.
Overview of the Affordable Care Act www.insurance.illinois.gov Regulates Insurance Companies and Agents who sell Life, Health, Home and Auto Policies The Affordable Care Act (ACA) offers important benefits
More informationMarch 28, 2012 Holly Claghorn Senior Attorney, TASB Legal Services
March 28, 2012 Holly Claghorn Senior Attorney, TASB Legal Services PPACA overview Who is responsible for what? What decisions are out of your hands? What should you worry about? Signed into law March 23,
More informationSummary of the Impact of Health Care Reform on Employers
Summary of the Impact of Health Care Reform on Employers How to Use this Summary This summary identifies the main provisions of the Patient Protection and Affordable Care Act (Act), as amended by the Health
More informationHealth Care Reform Compliance Workshop: Your Questions Answered
Health Care Reform Compliance Workshop: Your Questions Answered Amy Gordon Susan Nash McDermott Will & Emery HR Specialist & Business Management Daily April 27, 2010 1 Plan Design Issues Grandfathered
More informationIMPLICATIONS OF THE AFFORDABLE CARE ACT FOR COUNTY EMPLOYERS
IMPLICATIONS OF THE AFFORDABLE CARE ACT FOR COUNTY EMPLOYERS Mississippi Association of Supervisors Annual Convention Biloxi, Mississippi June 20, 2013 Presented by Leslie Scott MAS General Counsel Group
More informationNotification of rights under the Affordable Care Act. Non-Grandfathered Group Health Plan Notice
Notification of rights under the Affordable Care Act Non-Grandfathered Group Health Plan Notice Your employer believes the Group Health Plan (GHP) provided to employees is a non-grandfathered health Plan
More informationPatient Protection and Affordable Care Act of 2009: Health Insurance Market Reforms
Patient Protection and Affordable Care Act of 2009: Health Insurance Market Reforms Provision Notes Standards SUBTITLE C Quality Health Insurance Coverage for All Americans PART I HEALTH INSURANCE MARKET
More informationHealth Care Reform Timeline Last Updated: March 12, 2014
Health Care Reform Timeline Last Updated: March 12, 2014 On March 23, 2010, President Obama signed into law the Patient Protection and Affordable Care Act ( PPACA or ACA or Health Care Reform ). Health
More information11/17/2011. Hollyy Claghorn Senior Attorney, TASB Legal Services. Medical Costs Continue to Rise. U.S. National Health Expenditures (trillions) $3.
11/17/2011 g Hollyy Claghorn Senior Attorney, TASB Legal Services Medical Costs Continue to Rise U.S. National Health Expenditures (trillions) $3.0 10% 8.6% 9.0% 9% 8.3% $2.5 $2.40 (P) 8% $2.24 $2.11 6.9%
More informationHealth Care Reform: What s In Store for Employer Health Plans?
Health Care Reform: What s In Store for Employer Health Plans? April 21, 2010 Presented by: Sue O. Conway sconway@wnj.com (616) 752-2153 Norbert F. Kugele nkugele@wnj.com (616) 752-2186 Copyright 2010
More informationIn Effect Now In Effect September 23, 2010 In Effect January 1, 2011
informed on reform KEEPING YOU UP-TO-DATE ON THE PPACA New Health Care s Effective by January 1, 2011 Last updated: September 14, 2010 The following chart outlines provisions of the new Patient Protection
More information1/5/16. Provided by: The Lank Group Winterthur Close Kennesaw, GA Tel: Design 2015 Zywave, Inc. All rights reserved.
1/5/16 Provided by: The Lank Group 2971 Winterthur Close Kennesaw, GA 30144 Tel: 770-683-6423 Design 2015 Zywave, Inc. All rights reserved. Table of Contents Introduction... 3 Plan Design and Coverage
More informationPRIVATE HEALTH INSURANCE MARKET REFORMS. Presented to AICP, Western Chapter By Kenneth Schnoll May 6, 2010
PRIVATE HEALTH INSURANCE MARKET REFORMS Presented to AICP, Western Chapter By Kenneth Schnoll May 6, 2010 1 OVERVIEW On March 25, 2010 both chambers of Congress passed H.R. 4872, the Health Care Education
More informationNFIB v. Kathleen Sebelius and its Impact on Employers: Healthcare Reform Revisited
July 5, 2012 NFIB v. Kathleen Sebelius and its Impact on Employers: Healthcare Reform Revisited The Patient Protection and Affordable Care Act (the Affordable Care Act ) imposes new requirements on individuals
More informationThe Benefits Game: The Small Employer s Playbook for Affordable Care Act Compliance November 8, 2012
The Benefits Game: The Small Employer s Playbook for Affordable Care Act Compliance November 8, 2012 1 DISCLAIMER The materials in this presentation are not to be construed as legal advice or an opinion
More informationHealth Care Reform Update Grandfathered Status
H R Navigating Health Care Reform Health Care Reform Update Grandfathered Status The Departments of Labor, Health & Human Services and Treasury have jointly released Interim Final Rules relating to grandfathered
More informationQuick Reference Guide: Key Health Care Reform Requirements Affecting Plan Sponsors
Quick Reference Guide: Key Health Care Reform Requirements Affecting Plan Sponsors The following is a brief summary of some of the key requirements affecting group health plan sponsors. This is only a
More informationThe Patient Protection and Affordable Care Act. An In-Depth Analysis of Provisions Directly or Indirectly Affecting Group Health Plans
The Patient Protection and Affordable Care Act An In-Depth Analysis of Provisions Directly or Indirectly Affecting Group Health Plans Table of Contents Section 1 Insurance Plan Provisions Prohibition on
More informationUpdated Summary of Health Care Reform for Employers Preparing for the Future Reissued October 14, 2010, to Include Implementation Guidance
Updated Summary of Health Care Reform for Employers Preparing for the Future Reissued, to Include Implementation Guidance Summary Updated to Include Implementation Guidance Ice Miller originally issued
More informationHealth Care Reform. From Washington... to Main Street... Presented By: Scott R. Baldwin Gallagher Benefit Services
Health Care Reform From Washington.... to Main Street.... to Your Backyard. Presented By: Scott R. Baldwin Gallagher Benefit Services Agenda Insurance Market Reforms General Reform Provisions Consumer
More informationExcise Taxes for Group Health Plan Violations
Provided by BBP Admin Excise Taxes for Group Health Plan Violations Group health plans are responsible for compliance with a number of federal laws. If a group health plan does not comply with certain
More informationGrandfathered Health Plans Under PPACA (P.L )
Grandfathered Health Plans Under PPACA (P.L. 111-148) Bernadette Fernandez Analyst in Health Care Financing April 7, 2010 Congressional Research Service CRS Report for Congress Prepared for Members and
More informationImplementing Health Care Reform in the Workplace. Nancy E. Taylor Greenberg Traurig
Implementing Health Care Reform in the Workplace Nancy E. Taylor Greenberg Traurig 1 Health Care Reform THESE PROVISIONS CAN CHANGE A LOT IS UNCERTAIN AND WILL BE SUBJECT TO REGULATIONS/GUIDANCE. WILL
More informationEmployee Benefits Compliance Checklist for Large Employers
: Provided by [B_Officialname] Employee Benefits Compliance Checklist for Large Employers Federal law imposes numerous requirements on the group health coverage that employers provide to their employees.
More informationMVP Insurance Agency October 2013 Newsletter - Your Health Care Reform Partner
MVP Insurance October 2013 Newsletter - Your Health Care Reform Partner Are you in compliance with health care reform regulations? We can help you stay on top of health care reform to avoid penalties from
More informationHealth Care Reform. Employer Action Overview
Health Care Reform Page 2 of 10 Health Care Reform Immediatemmediate Employer Action Required Notes Nursing Mothers Employers must provide a reasonable break time for employees who are nursing mothers
More informationIntroduction Notice and Disclosure Requirements Plan Design and Coverage Issues: Prior to
8/22/13 Table of Contents Introduction... 3 Notice and Disclosure Requirements... 4 Plan Design and Coverage Issues: Prior to 2014... 10 Plan Design and Coverage Issues: 2014 and Beyond... 12 Wellness
More informationFlorida Health Insurance Advisory Board Patient Protection and Affordable Health Care Act
Florida Health Insurance Advisory Board Patient Protection and Affordable Health Care Act Mary Beth Senkewicz Deputy Commissioner Life & Health May 4, 2010 1 Health Care Reform Enacted On March 23, 2010,
More informationHealth Reform Update. April 1, Presented by: Chip Kerby Liberté Group LLC (202)
Health Reform Update April 1, 2010 Presented by: Chip Kerby Liberté Group LLC chip@libertegroup.com (202) 756-2459 Agenda Background Key elements Impact on stakeholders 1 Background Sources of Coverage
More informationHealth Care Reform under the Patient Protection and Affordable Care Act ( PPACA ) provisions effective January 1, 2014
The New Health Care Landscape Today s Agenda Health Care Reform under the Patient Protection and Affordable Care Act ( PPACA ) provisions effective January 1, 2014 Exchanges and Qualified Health Plans
More informationAFFORDABLE CARE ACT: STATUS CHART Health Plans
AFFORDABLE CARE ACT: STATUS CHART Health Plans July 2017 TODD MARTIN, PARTNER 612.335.1409 todd.martin@stinson.com Table of Contents Page ACA Coverage Mandates... 1 ACA Insurance Market Rules... 5 ACA
More informationHealth Care Reform Guidance on Preventive Services and Claims Procedures Impacts Next Year s Plan Design and Grandfathered Plan Decisions
July 29, 2010 Health Care Reform Guidance on Preventive Services and Claims Procedures Impacts Next Year s Plan Design and Grandfathered Plan Decisions The specifics of many of the mandates under the Patient
More informationAn Employer s Guide to Health Care Reform
An Employer s Guide to Health Care Reform Background On March 23, 2010, President Obama signed into law the Patient Protection and Affordable Care Act (PPACA). Less than a week later, Congress passed the
More informationH E A L T H C A R E R E F O R M T I M E L I N E
H E A L T H C A R E R E F O R M T I M E L I N E On March 23, 2010, President Obama signed the health care reform bill, or Affordable Care Act (ACA), into law. The ACA makes sweeping changes to the U.S.
More informationPPACA Regulations: Internal & External Appeals
PPACA Regulations: Internal & External Appeals Seth Perretta, Davis & Harman Christy Tinnes, Groom Law Group American Benefits Council Call July 29, 2010 1 Regulations Published July 23, 2010. Comments
More informationEmployer Mandate: Employer Action Overview
HEALTH CARE REFORM Employer Mandate: Page 2 of 11 Immediatemmediate Employer Action Required Notes Nursing Mothers Employers must provide a reasonable break time for non-exempt employees who are nursing
More informationGrandfathered Health Plans Under the Patient Protection and Affordable Care Act (PPACA)
Grandfathered Health Plans Under the Patient Protection and Affordable Care Act (PPACA) Bernadette Fernandez Analyst in Health Care Financing June 7, 2010 Congressional Research Service CRS Report for
More informationHEALTH CARE REFORM 2010 A CHRONOLOGICAL OVERVIEW OF THE LAW'S OBLIGATIONS FOR EMPLOYERS. Henry Smith. Smith & Downey.
HEALTH CARE REFORM 2010 A CHRONOLOGICAL OVERVIEW OF THE LAW'S OBLIGATIONS FOR EMPLOYERS Henry Smith Smith & Downey hsmith@smithdowney.com 410-321-9350 [Note that this presentation is merely a very broad
More informationHealth Care Reform. What Employers Need to Know Now Through 2012
Health Care Reform What Employers Need to Know Now Through 2012 Presented by Rey Guzman Senior Consultant RJP & Associates, Inc. What Congress Decided To continue the current approach of the combination
More informationThe Affordable Care Act: A Summary on Healthcare Reform. The Wyoming Department of Insurance
The Affordable Care Act: A Summary on Healthcare Reform The Wyoming Department of Insurance Additional Resources Wyoming Insurance Department: http://doi.wyo.gov/ or toll free at 1-(800)-438-5768 Information
More informationHealth Care Quality Act Application to Insurance Companies, Health Service. Corporations, Hospital Service Corporations and Medical Service
INSURANCE 43 NJR 9(2) September 19, 2011 Filed August 25, 2011 DEPARTMENT OF BANKING AND INSURANCE DIVISION OF INSURANCE Health Maintenance Organizations Health Care Quality Act Application to Insurance
More information4/13/16. Provided by: Zywave W. Innovation Drive, Suite 300 Milwaukee, WI
4/13/16 Provided by: Zywave 10100 W. Innovation Drive, Suite 300 Milwaukee, WI 53226 Email: marketing@zywave.com Design 2015 Zywave, Inc. All rights reserved. Table of Contents Introduction... 3 Plan Design
More informationPatient Protection and Affordable Care Act
September 27, 2010 Patient Protection and Affordable Care Act 1 9020 Stony Point Parkway Suite 200 Richmond, VA 23235 804-267-3100 Agenda Overview Employer Feedback Terms Components of Health Care Reform
More informationHEALTH CARE REFORM: WHAT EMPLOYERS NEED TO KNOW
HEALTH CARE REFORM: WHAT EMPLOYERS NEED TO KNOW RESOURCE LINKS Senate Reform Bill http://docs.house.gov/ru les/hr4872/111_hr3590_ engrossed.pdf http://docs.house.gov/ru les/hr4872/111_hr4872_ amndsub.pdf
More informationIMPLEMENTATION OF HEALTH CARE REFORM
IMPLEMENTATION OF HEALTH CARE REFORM By Randall B. Weill, Esq. Since it became effective on September 23, 2010, implementation of the Patient Protection and Affordable Care Act of 2010 (Public Law 111-148),
More informationKeeping up with the new health care reform law 14376VAEENBVA Rev. 9/10 anthem.com
Keeping up with the new health care reform law Helping you better understand what to expect and when to expect it. 14376VAEENBVA Rev. 9/10 anthem.com 1 Staying up to date Here s a timeline of what you
More informationCrosses the Finish Line. A presentation for the Manufacturer & Business Association
Health Care Reform Crosses the Finish Line A presentation for the Manufacturer & Business Association Background Statement of the problem 50,000,000 uninsured Healthcare costs rising at 2x 4x annual rate
More informationOverview of Grandfathered Plans
Health Care Reform Legislative Brief Overview of Grandfathered Plans The health care reform law contains many provisions that affect the health coverage you provide for your employees. The extent of the
More information4/13/16. Provided by: KRA Agency Partners, Inc. 99 Cherry Hill Road, Suite 200 Parsippany, NJ Tel:
4/13/16 Provided by: KRA Agency Partners, Inc 99 Cherry Hill Road, Suite 200 Parsippany, NJ 07054 Tel: 973-588-1800 Design 2015 Zywave, Inc. All rights reserved. Table of Contents Introduction...3 Plan
More informationEXPERT UPDATE. Compliance Headlines from Henderson Brothers:.
EXPERT UPDATE Compliance Headlines from Henderson Brothers:. Health Care Reform Timeline Health Care Reform Timeline This Henderson Brothers Summary provides a timeline of the of key reform provisions
More informationHealth Care Reform in the United States
Health Care Reform in the United States Richard L. Menson June 22, 2010 www.mcguirewoods.com Quebec, Canada 1 I. INTRODUCTION 2 A Complex and Confusing New Law Patient Protection and Affordable Care Act,
More informationHEALTH CARE REFORM COMMONLY ASKED QUESTIONS
GROUPS 2-50 GROUPS OF 51+ INDIVIDUAL & FAMILY PLANS HEALTH CARE REFORM COMMONLY ASKED QUESTIONS Provided by: Health Net, Inc. NOVEMBER 2010 HNOR WDentN Pol Grp 1/2010 HEALTH CARE REFORM Q&A On March 23,
More information5GBenefits, LLC Your Health Care Reform Partner
5GBenefits, LLC Your Health Care Reform Partner Are you in compliance with health care reform regulations? We can help you stay on top of health care reform in order to avoid penalties from legislative
More informationAnne Wilde. Grandfathered Health Plans. Planning for PPACA: New Appeals Rules 2014 Employer Decisions October 27, 2011
Planning for PPACA: Grandfathered Health Plans New Appeals Rules 2014 Employer Decisions October 27, 2011 Anne Wilde The HR & Benefits Advisor PLLC anne@thehrandbenefitsadvisor.com 208.424.8704 Ben Conley
More informationHEALTH CARE REFORM PROVISIONS BY TYPE AND SIZE OF PLAN Last Rev. July 14, 2014
2010: First Plan Year on or after September 23, 2010 Extension of dependent coverage up to age 26 No pre-existing condition exclusions for enrollees under age 19 No lifetime dollar limits on "essential
More informationSelf-Compliance Tool for Part 7 of ERISA: Affordable Care Act Provisions
Self-Compliance Tool for Part 7 of ERISA: Affordable Care Act Provisions INTRODUCTION While this self-compliance tool does not necessarily cover all the specifics of these laws, it is intended to assist
More informationParticipant Handout Presented by
Healthcare Reform PPACA Continues... What Do You Do Now? Participant Handout Presented by HCR ICCCFO October 2012 Healthcare Reform PPACA Continues... What Do You Do Now? 2012 Gallagher Benefits Services,
More informationFrequently Asked Questions: Benefit Changes
Frequently Asked Questions: Benefit Changes In this section: Preventive Care Preventive Services for Women Member Appeals Rescissions Lifetime Dollar Limits Preventive Care at no Additional Charge FAQ
More informationHealtH Care reform 2012 and beyond
HealtH Care reform 2012 and beyond A guide to the major provisions of health care reform legislation affecting employers in 2012 and 2013 and a timeline of the reforms to be introduced through 2018. Employers
More informationNational Health Insurance Reform
MAY2010 National Health Insurance Reform Impact Year by Year With the passage of National Health Insurance Reform it is crucial that employers and plan sponsors have clear information about the impact
More informationHEALTH CARE REFORM PROVISIONS BY SIZE OF PLAN OR EMPLOYER March 28, 2014
2018 Cadillac Tax: 40% excise tax on the amount by which the total cost of employersponsored health plan exceeds specified thresholds 2010 thresholds are: $10,200 for self-only coverage; $27,500 for other
More informationHEALTH CARE REFORM: EMPLOYER ACTION OVERVIEW
CORPORATE BENEFITS COMPLIANCE WHITE PAPER HEALTH CARE REFORM: EMPLOYER ACTION OVERVIEW MARCH 23, 2010 EMPLOYER ACTION REQUIRED NOTES Nursing Mothers Employers must provide a reasonable break time for non-exempt
More informationNicole Simpson, CPA Partner Regier Carr & Monroe, LLP (520)
Nicole Simpson, CPA Partner Regier Carr & Monroe, LLP (520) 624-8229 nsimpson@rcmllp.com Jay Heydt and Chris Gordon Crest Insurance (520) 784-7655 jheydt@crestins.com 2010 Small Employer Health Insurance
More informationGrandfathered Health Plans Under the Patient Protection and Affordable Care Act (PPACA)
Grandfathered Health Plans Under the Patient Protection and Affordable Care Act (PPACA) Bernadette Fernandez Specialist in Health Care Financing January 3, 2011 Congressional Research Service CRS Report
More informationHEALTH CARE REFORM PROVISIONS BY SIZE OF PLAN OR EMPLOYER July 14, 2014
unless 2018 Cadillac Tax: 40% excise tax on the amount by which the total cost of employersponsored health plan exceeds specified thresholds 2010 thresholds are: $10,200 for self-only coverage; $27,500
More informationExecutive Summary for Benefit Planning
Executive Summary for Benefit Planning Insuring People and Business Since 1868 3 Executive Summary for Benefit Planning 2010 Overview On March 23, 2010, President Obama signed into law the health care
More informationHill Ward Henderson HEALTH CARE REFORM:
Hill Ward Henderson Nondiscrimination Compliance Strategies November 8, 2010 Timeline: 2010 Small business tax credit Early retiree reinsurance Recognition of taxation of retiree drug subsidy Nursing mothers
More informationHealth Care Reform What Are the Changes for Employers. Greenberg Traurig
Health Care Reform What Are the Changes for Employers Nancy Taylor Greenberg Traurig July 20, 2012 GREENBERG TRAURIG, LLP ATTORNEYS AT LAW WWW.GTLAW.COM 0 Information on Presentation Background on ACA
More informationHealth Care Reform Timeline
Health Care Reform Timeline Below is a timeline of some of the key provisions of the health care reform legislation. As regulations develop and guidance is provided, ADP TotalSource continues to keep our
More informationHealth Care Reform Timeline
Health Care Reform Timeline April 7, 2010 Dear Valued Client, As your employee benefits advisor, we understand that you may have many questions and concerns regarding the recent historic health care reform
More informationHealth Care Reform Toolkit Large Employers
Health Care Reform Toolkit Large Employers Table of Contents Introduction... 3 Plan Design and Coverage Issues: 2014 and Beyond... 4 Employer Obligations... 11 Notice and Disclosure Requirements... 19
More informationHealth Care Reform: What It Means for Employers and the Health Plans They Sponsor APRIL 22, 2010
Health Care Reform: What It Means for Employers and the Health Plans They Sponsor APRIL 22, 2010 Moderator and Panelists Andrea O Brien Meredith Horton Thora Johnson Greg Ossi Martha Jo Wagner 22 Agenda
More informationHardee s Q4 Franchise System Call. Health Care Reform Update November 5, 2013
Hardee s Q4 Franchise System Call Health Care Reform Update November 5, 2013 Key Elements of Health Care Reform for Employers Change in tax treatment for over-age 2010 dependent coverage Early retiree
More informationESB Copyright 2013 American Fidelity Assurance Company ESB Copyright 2013 American Fidelity Assurance Company
HEALTH CARE REFORM What You Need to Do from Now to 2015 This is only a brief summary that reflects our current understanding of select provisions of the law, often in the absence of regulations. All of
More informationPennsylvania Association of Health Underwriters Advisors and Advocates for Employers, Employees and Health Care Consumers
Pennsylvania Association of Health Underwriters Advisors and Advocates for Employers, Employees and Health Care Consumers Timeline for Health Care Reform March 26, 2010 The Patient Protection and Affordable
More informationBenefits Report MARCH 2010
Benefits Report MARCH 2010 In this issue 1 Historic Health Care Reform Legislation Signed by President Obama 5 Department of Labor Issues New COBRA Model Notices and COBRA Subsidy Fact Sheet to Reflect
More informationHEALTH CARE REFORM IMPLICATIONS FOR THE INSURANCE INDUSTRY
Attorney Advertising Prior results do not guarantee a similar outcome Models used are not clients but may be representative of clients 321 N. Clark Street, Suite 2800, Chicago, IL 60654 312.832.4500 HEALTH
More informationEmployer Healthcare Reform Requirements in the Near-Term
Employer Healthcare Reform Requirements in the Near-Term On March 23, 2010, President Obama signed into law The Patient Protection and Affordable Care Act (H.R. 3590). As of this writing, 1 the Congress
More informationKey Features of the Affordable Care Act, By Year
Key Features of the Affordable Care Act, By Year Provision Definition UAB s Status Timeframe 2010 Prohibiting Denying Coverage Based on Pre-Existing Conditions Prevents denying coverage due to a pre-existing
More informationCONSEQUENCES. Popular media coverage of healthcare reform has focused largely on how individual consumers might be affected.
10 Pro Te: Solutio Tax and Employee Benefit CONSEQUENCES Healthcare Reform Popular media coverage of healthcare reform has focused largely on how individual consumers might be affected. Less attention
More informationReporting Requirements for Employers and Health Plans
Brought to you by The Noble Group Reporting Requirements for Employers and Health Plans The Affordable Care Act (ACA) created a number of federal reporting requirements for employers and health plans.
More informationThe Affordable Care Act: A Summary on Healthcare Reform. The Wyoming Department of Insurance
The Affordable Care Act: A Summary on Healthcare Reform The Wyoming Department of Insurance The ACA is a federal law that impacts Wyoming and its citizens. The State of Wyoming has filed a lawsuit against
More informationThe ACA: Health Plans Overview
The ACA: Health Plans Overview Agenda What is the legal status of the ACA? Which plans must comply? Reforms currently in place 2013 compliance deadlines 2014 compliance deadlines 2015 compliance deadlines
More informationEMPLOYER MANDATE FACT SHEET
EMPLOYER MNDTE FCT SHEET INFORMED ON REFORM Overview Employers must offer health insurance that is affordable and provides minimum value to 95% of their full-time employees and their children up to age
More informationHealth Care Reform Overview
Published on : December 06, 2010 Health Care Reform Overview President Obama signed the Patient Protection and Affordable Care Act into law on March 23, 2010. The law was almost immediately amended by
More informationGuide to Participant Notices
Guide to Participant s What What Groups Description Who When Distributed Annually Group health plan sponsors must provide a Medicare-eligible notice of creditable or non-creditable employees who are prescription
More informationEmployee Benefits Compliance Checklist for Large Employers
Brought to you by Ardent Solutions Employee Benefits Compliance Checklist for Large Employers Federal law imposes numerous requirements on the group health coverage that employers provide to their employees.
More informationGrandfathered health plan rules Early retiree reinsurance prog
Grandfathered plans The Patient Protection and Affordable Care Act s (PPACA) grandfather provision allows group plans that existed on March 23, 2010, to make some changes while maintaining their. Other
More information