February 22, 2017

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Are Consumer-Direct Health Plans Working?

Qualified high deductible health plans (Q.H.D.H.P.), also known as “Consumer-Directed” plans, have been around for a number of years.  Enrollment in these plans has increased over the past decade.  Q.H.D.H.P. plans have a high deductible component which must be met before benefits are paid typically at 100%.  The minimum deductible amount is determined by the […]

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February 22, 2017

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28th Right To Work State

On February 6, 2017, Missouri’s newly appointed Governor signed legislation making Missouri the 28th right-to-work (RTW) state. Gov. Greitens’ signature was the final step to push a very long battle driven by Missouri Republicans and state business groups. But what does it mean to be a RTW state? RTW states allow non-union workers to work in […]

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February 17, 2017

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Individual Taxpayers No Longer Required to Answer Health Insurance Questions
-IRS shift in policy due to President Trump’s Executive Order

Earlier this week, the IRS indicated it would no longer reject tax returns that failed to disclose information about the person’s health insurance coverage. This represents a significant change in policy. Under the Affordable Care Act’s (ACA) “individual mandate,” every person is required to obtain health insurance or pay a penalty for failing to do […]

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February 10, 2017

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Health Care Reform Webinar

If you missed the Health Care Reform Webinar we presented on February 6, 2017, you can watch it by using this link. The webinar covers familiar topics such as 1094/1095 reporting, creditable coverage disclosures, midyear election changes. It also discusses new topics, such as the Trump administration’s impact on health care reform and the Qualified […]

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February 8, 2017

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EEOC’s Midlife Crisis

The Equal Employment Opportunity Commission (EEOC) wants comparable pay for comparable work and has been working long and hard to achieve it. All laws that the EEOC enforces prohibit pay discrimination. This would include, The Equal Pay Act and Title VII of the Civil Rights Act which are both over 50 years old. It also […]

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January 31, 2017

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The Heroin Epidemic

Over the last few years, it is likely you have seen news reports chronicling the escalating problem of heroin addiction in this country. Heroin use has been at an epidemic level for years.  Heart-breaking statistics are tracked by several organizations. The U.S. Centers for Disease Control and Prevention (CDC) reports heroin use increased 63% during […]

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January 27, 2017

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Employee Handbook Misconceptions

Does an Employee Handbook Really Matter? Yes it really does. This is just one example of the many misconceptions employers may have about their company handbook. For so many reasons, handbooks do matter. It’s no surprise that handbooks and employment laws create a level of confusion. As we say in the HR world, we are […]

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January 26, 2017

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Health Care Reform Under President Trump
-Little is certain, except for change

“Just keep swimming.” – Dory (Finding Nemo, 2003) After spurring six years of expansive change to the health insurance industry and all who use it, the Affordable Care Act appears to be on the new administration’s chopping block. And that means the new rules for health and welfare plans will likely give way to even […]

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January 25, 2017

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California Rating Bureau Announces Changes in Reporting of Small Medical Only or First Aid Claims

The Insurance Commissioner recently approved amendments to the California Workers’ Compensation Uniform Statistical Reporting Plan—1995 (USRP) effective January 1, 2017, to clarify the reporting requirements for small medical only or “first aid” claims. The Insurance Commissioner’s Decision (CDI File No. REG-2016-00018), dated October 14, 2016, approved amendments that specifically reference first aid as defined in […]

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January 24, 2017

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Narrow Health Plan Networks

A cost containment strategy for health plans making resurgence in recent years has been offering narrow provider networks which limit the doctors or hospitals accessible under the in-network benefits of the plan. Services obtained from doctors or hospitals outside of this limited network are considered to be out-of-network and subject to higher deductibles and co-insurance […]

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January 24, 2017

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NLRB: History in the Making?

There are varying opinions on President’s Trump agenda of the next four years. But one appears to be primed for historic overhaul. The National Labor Relations Board (NLRB) will have a number of open positions in the next four years in addition to the two members it is already down. The NLRB is an independent […]

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January 23, 2017

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President Trump Issues Executive Order on the Affordable Care Act

President Trump moved swiftly after taking office on Friday, issuing an Executive Order intended to minimize the economic and regulatory burdens of the Affordable Care Act (“ACA”).  The order is somewhat symbolic and has no immediate effect on employers, many of whom are in the process of complying with the ACA’s onerous reporting requirements (Forms […]

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