Employer mandates that cost the public

On a recent trip to San Francisco, I opened up the menu at a restaurant and found the statement in the picture. Supposedly the “Employer Mandate” is the updated term for “Healthy San Francisco.” SF requires employers to provide health care coverage for their employees. Some have chosen to tack on a separate fee to cover this rather than …

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Medicare Part D Announcement Due

The Medicare Part D notice deadline is approaching. Notices must be provided to all Part D eligible individuals who are covered under, or eligible for, an employer’s prescription drug plan — regardless of whether the coverage is primary or secondary to Medicare Part D. “Part D eligible individuals” are generally age 65 and older or under …

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How about a tool to save time, clean up communication and appeal to Millennials?

If you had a tool that could communicate your benefits better would you be interested? If you had a tool that saved HR hours a week would you be interested? If this tool was mobile based, thus appealing to a large part of you employee population would you be interested? Well I was when presented …

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Under 50 Employees? Think you are safe from the ACA? Maybe not!

The Affordable Care Act (also known as the PPACA or Obama Care) goes “live” on January 1, 2014, although aspects of it are effective now. The law requires that “large” employers with 50 or more employees must provide health coverage or pay a penalty. This has been described as “Play or Pay”. (BTW, this is …

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Required W-2 Reporting Required by the PPACA: Are You Ready?

  The first issue from the Patient Protection and Affordable Care Act (PPACA) also known as the Health Care Act, requires employers to report the cost of provided healthcare on W-2s issued this January 31st. Are you ready? Who must comply? Companies that have issued 250 or more W-2s in 2012 must make this reporting. …

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Incentives and Healthcare

  It is funny sometimes how two different events end up having a connection. My wife and I were driving and listening to the radio when a story about weight loss programs played. One of the comments made was that although programs such as WeightWatchers work health insurance does not pay for them. My wife …

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Two Major Facts about Small Company Healthcare

As the PPACA (Patient Protection and Affordable Care Act) moves along and deadlines approach it is important to understand two major facts about small company healthcare. First Fact According to the U.S. Census Bureau, in 2010, by my addition, there were about 143 million people who worked for companies with fewer than 20 employees. You …

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Kicking “Grandpa” Out the Door Because He Costs Too Much

When the PPACA (Patient Protection and Affordable Care Act), also known as Health Care Reform or ObamaCare, was passed one of the provisions allowed standing healthcare plans to be “grandfathered in” as long as long as they did not raise co-insurance charges, did not raise co-payment charges significantly and did not raise deductibles significantly. Well …

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A Final Rule on the PPACA Requires Changes Effective September 2012

On February 9, 2012 the government issued a set of final rules on the Patient Protection and Affordable Care Act (PPACA) that must be effective by September 22, 2012. Unfortunately if you wait that long to do anything about it you will be too late. The final rules require working with your insurance carrier and …

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