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Looking At The PPO Perspective from All Points of View

Posted by in Blog Posts on 30. Apr, 2012 | No Comments

This is one of the best overall articles, I have seen on the issue of balance billing and the PPO relative value. The blog was written by Adam Russo of the law offices of Russo and Minchoff. Passion for Subro » Looking At The PPO Perspective from All Points of View.

Federal agencies issue regulations on the summary of benefits and coverage requirement under the Patient Protection and Affordable Care Act – Articles – Employee Benefit News

Posted by in Facts and Figures, FSAs HSAs HRAs and other Acronyms on 30. Apr, 2012 | No Comments

Feds issue regs on SBC requirement By Kate Bongiovanni April 15, 2012 In February, the Departments of Labor, Treasury, and Health and Human Services issued final regulations implementing the new summary of benefits and coverage requirement under the Patient Protection and Affordable Care Act. The agencies also released a separate document providing additional guidance on […]

Small Employer Self Funding

Posted by in Blog Posts, Facts and Figures on 23. Apr, 2012 | No Comments

Small Employers and Self Funding  Small companies are routinely and comfortably self funding their employee health benefit plans. Houston Benefit Services Inc has employers with as little as 22 covered people who self-fund. A few of the reasons small companies self fund are: Self-Funding is a legal status not a financing platform. Self-Funding does not […]

Full-Year Contribution for Part-Year Coverage

Posted by in Blog Posts on 17. Apr, 2012 | No Comments

The “Tax Relief and Health Care Act of 2006” (P.L. 109-432) provided a gift that will make it easier to enroll more participants in HSAs and high deductible health plans (HDHP) in the last half of the year. Most consultants in the HSA market understand this new provision, which was effective for 2007, but are […]

Misconceptions about FSA Interaction with HSAs

Posted by in Facts and Figures on 17. Apr, 2012 | No Comments

Some employers erroneously think that medical expenses not covered under the HDHP may be covered by a FSA below the high deductible without impacting an individual’s eligibility for the HSA.  As you will see below in the review of permissible FSAs, any plan (with a few exceptions) covering expenses below the  high deductible will make […]

How big of a deal is MLR for Insurers

Posted by in Blog Posts, Facts and Figures on 17. Apr, 2012 | No Comments

If MLR had been in effect in 2010, a Commonwealth Fund study says that insurers would have had to rebate $2 Billion in overpayments back to customers. (The rebate process has lots of potential problems, so rebates are not a desirable option.)  53% of the individual market would have received rebates, 24% of small group, […]

Tea Party Ideas for Health Reform

Posted by in Blog Posts on 17. Apr, 2012 | No Comments

The Tea Party is not one organization or one view, so I am not saying that the ideas below are “the” or “official” position.  However, Rep. Paul Broun is compiling a bill that seems to have captured many of the ideas and nods of approval.  So, read this as a think piece rather than gospel.  […]

Wrong Statistics – SCOTUS

Posted by in Blog Posts, Facts and Figures on 17. Apr, 2012 | No Comments

”Wrong” statistics:  There is a new study out with different statistics about the mood of the public to SCOTUS than  the other statistics.  Here is my statistics mantra:  Every number or statistic relating to health costs, public opinion, health, insurance (and everything else) has a built-in 1,000% distortion factor.  It is not that anyone is […]

Defined Contribution Health Coverage

Posted by in Blog Posts on 17. Apr, 2012 | No Comments

Defined Contribution Health Coverage is another description of private Exchanges.  The theory is that employers will simply tell workers that they will contribute $X for their health coverage, and the worker can go to the partnering private exchange and pick whatever plan & level of coverage they want paying any extra premium cost out of […]

Small Business Makes a Risky Bet on Health Care – Businessweek

Posted by in Blog Posts on 15. Apr, 2012 | No Comments

Small Business Makes a Risky Bet on Health Care – Businessweek.