Health & Welfare Plans Newsletter

May 7, 2018

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Jobs

Pension Trust Admin Supervisor
Associated Pension Consultants
in CA, Telecommute

ERISA / Employee Benefits Attorney
Parker, Brown, Macaulay & Sheerin, P.C.
in MA, Telecommute

Sr Retirement Analyst
Dart Container
in MI

Relationship Manager - Client Services
Charles Schwab
in AZ, OH, TX

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Webcasts, Conferences

State of the State Update from The Hertel Report
May 17, 2018 in AZ
Worldwide Employee Benefits Network [WEB] - Phoenix Chapter

Top 10 Topics For Health and Welfare Benefit Plan Compliance
May 17, 2018 in NY
Worldwide Employee Benefits Network [WEB] - New York Chapter

Intro to Health & Welfare Plans
May 31, 2018 WEBCAST
Worldwide Employee Benefits Network [WEB]

Compensation
August 28, 2018 WEBCAST
ASPPA [American Society of Pension Professionals & Actuaries]

?See 137 Upcoming Webcasts and Conferences

?See 1384 Recorded Webcasts


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[Guidance Overview]

IRS Publication 5208: Determining If You Are an Applicable Large Employer (PDF)

Rev. Mar. 2018. "You are an applicable large employer [ALE] if you averaged at least 50 full-time employees, including full-time equivalent employees, during the prior calendar year. ALEs are subject to information reporting and the employer shared responsibility provisions." Internal Revenue Service [IRS]

[Advert.]

2018 EBIA Seminars: Boston, Minneapolis, Seattle, Dallas, Chicago

Sponsored by Thomson Reuters Checkpoint Learning

ERISA Compliance for Health and Welfare Plans, ACA Compliance Strategies, Cafeteria Plans, HRAs and HSAs, Employee Wellness Programs, HIPAA Privacy and Security, COBRA Compliance for Group Health Plans. Register individually or for the full four days.


[Guidance Overview]

Mental Health Parity: Get Ready to Prove It

"Use the Self-Compliance Tool as the basis for a conversation with your claims administrator and PBM. You will want to ask: Does the claims administrator or PBM have written policies explaining the application of each type of [non-quantitative treatment limitation (NQTL)] to both mental health and substance use disorder benefits and medical/surgical benefits? ... Are the claims administrator and PBM prepared to hand over the written policies in response to a request from a participant or the DOL?" Vorys

The State of Employee Benefits 2018

"In education, HDHPs are becoming the norm ... Health care employers raise price of traditional health coverage to encourage HDHP adoption ... Despite boom in HDHP offerings among manufacturers, more employees go with PPOs ... Retail employees shoulder more health plan costs, while more employers offer voluntary benefits to supplement coverage[.]" Benefitfocus

Telemedicine Improves Health and Saves Money -- But Only If Employees Use It

"One of the key roadblocks to greater use of telemedicine is patient uneasiness about receiving medical care remotely from a provider with whom they have no previous relationship.... [A]ddress these issues head on by: [1] Emphasizing the credentials of the physicians in the telemedicine network. [2] Working with major health care providers in [plan] networks to add telemedicine services ... creating a telemedicine option with providers known to employees.... [3] [E]liminate copays for telemedicine, to make it more attractive to users." Society for Human Resource Management [SHRM]

Reference Based Pricing: Risk and Rewards

"Negotiated [Reference Based Pricing (RBP)] arrangements can save a significant amount of money and prevent excess costs for certain procedures....When a procedure costs more than the RBP maximum, the employee could be left paying the difference....The nation's first reported RBP case is now being litigated in Virginia. That case centers on whether a hospital can 'balance bill' the difference between its $111,000 price for a procedure and the plan's upper RBP limit of around $27,000[.]" HUB International

Proposal Would Allow Employers to Purchase Medicare for Employees

"[The Choose Medicare Act (S. 2708)] provides that public health plans (to be known as Medicare Part E) would be offered on all state and federal exchanges. Employers could choose to select Medicare Part E rather than private insurance to provide health care to their employees. The plans would cover essential health benefits and all items and services covered by Medicare."
Wolters Kluwer Law & Business

Employer-Sponsored Insurance Stable for Low-Income Workers in Medicaid Expansion States

"[The authors] assessed rates of employer health insurance offer, take-up, and coverage in June 2013 and March 2017 among workers. Overall, offer rates remained stable, and take-up and coverage rates increased. In Medicaid expansion states, the share of workers with family incomes at or below 138 percent of the federal poverty level who had employer-based coverage held steady, while uninsurance rates declined." Urban Institute

Early 2019 ACA Premium Filings Show Double-Digit Hikes

"Premium increases for exchange plans could swell as much as 64% in Virginia next year if proposed rate hikes hold up.... Cigna proposed (PDF) an average premium increase of about 15% for its 103,000 customers in the state ... Only one insurer in the Commonwealth's exchange market, whose filings for 2019 are public, proposed a premium decrease. Optima is seeking an average 1.9% decrease in premium costs for its 67,000 members in the state." FierceHealthcare

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BenefitsLink Health & Welfare Plans Newsletter, ISSN no. 1536-9595. Copyright 2018 BenefitsLink.com, Inc. All materials contained in this newsletter are protected by United States copyright law and may not be reproduced, distributed, transmitted, displayed, published or broadcast without the prior written permission of BenefitsLink.com, Inc., or in the case of third party materials, the owner of those materials. You may not alter or remove any trademark, copyright or other notices from copies of the content.

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