Health Care Reform brings a complex list of rules. Did you know for taxable years beginning in 2018, the ACA imposes a 40 percent excise tax on high-cost group health coverage?  This tax is also known as a “Cadillac tax.” This Legislative Brief describes the details of the Cadillac tax.Cadillac Tax on High Cost Health Coverage

The changes made by the health care reform legis­lation will be imple­mented over the next several years. Take a look at this helpful timeline of changes.  This Legislative Brief provides effective dates for key ACA reforms that affect employers and individuals.Health Care Reform Effective Dates

What is co-insurance? What is a non-preferred provider? The Department of Labor put out the attached glossary of health coverage and medical terms and it is a helpful description of what the terms mean on your summary of benefits. This may answer some of those questions you have and help you under­stand your benefits.

SBCUniformGlossary

42443 HCR Patients’ Bill of Rights 3–15-13

HMO Plans can never enforce pre-existing limita­tions. Meaning, you cannot be restricted in your benefits when you come onto a new plan and have any pre-existing condi­tions.  However, for PPO plans, you must have been previ­ously covered a minimum of 6 months with less than a 62 day gap between the termi­nation of your prior coverage and the effective date of the new coverage in order to avoid pre-existing limitations.

This flyer distin­guishes between emergency rooms and urgent care centers, and helps determine which to go to in the sudden occur­rence of an illness or injury.

Emergency Room or Urgent Care

This chart provides an at-a-glance description of the major health care reform provi­sions affecting employers and employees.

1-Health Care Reform Timeline Chart 112012

Do you want to start a wellness program but you are not sure how to begin? Find out how in our employers guide…

An Employers Guide to Promoting Wellness at the Workplace

The Affordable Care Act (ACA) requires employers to provide all new hires and current employees with a written notice about ACA’s health insurance exchanges, effective March 1, 2013. On Jan. 24, 2013, the DOL announced that employers will not be held to the March 1 deadline. They will not have to comply until final regula­tions are issued and a final effective date is specified. The attached Legislative Brief details the expected timeline for the exchange notice require­ments.Exchange Notice Requirements Delayed

Important legislative update concerning the Form W-2 reporting require­ments. Notice 2012–9 issued January 3, 2012. Click this link to read about it:  42660 HCR Form W 2 Reporting Requirements 010512