Category Archives: Medical Insurance

Hello all In my Employee Benefit practice I have discovered some hard facts.  Maybe the most important is that most employees know very little or nothing about what their benefits are, how they work and how they can most effectively … Continue reading

Hello All I feel remiss in not posting to my blog for some time.  I will be adding to the blog with regularity in the near future. There was a significant ruling put out by The Obama administration.  HHS formed … Continue reading

Health Care — State Exchanges  Hello All It has been quite some time since I have written in my blog and as such, I will be pontificating quite a bit in the next few days.  A lot has happened in … Continue reading

Tip for saving money: Need to Buy a CPAP Machine? Buy good quality used and Save! Hello All I just received an article written by a friend and colleague Dave Racer.  In his article he spoke of his efforts a couple of … Continue reading

ACA – Affordable Care Act – Free Choice Vouchers Hello All Part of the ACA (Affordable Care Act) was to require employers with more than 50 employees to provide a voucher to their employees equal to the highest contribution level … Continue reading

What will the Federally mandated exchange plans through the state exchanges look like? Hello all We all are wondering what the Federally mandated exchange plans through the state exchanges look like.  Well maybe not you but I sure am! The … Continue reading

INSURED MEDICAL REIMBURSEMENT PLANS Hello All Some of you have “INSURED MEDICAL REIMBURSEMENT PLANS” in place.  The writing of new plans was suspended by ACA regulations in 2010.  HHS removed the discrimination language temporarily in December of 2010 therefore new plans can … Continue reading

“Health Insurance Exchange” in Minnesota Hello All We of the legislative committee of MAHU have finished drafting our version of the bill for the creation of the “Health Insurance Exchange” in Minnesota.  While I am not at liberty to discuss … Continue reading

Medicare part D (prescription drug coverage) Hello All Every November and December I get a lot of calls about Medicare part D (prescription drug coverage).  The new provisions in the law to shrink the donut hole will cost money.  Primarily … Continue reading

What are the penalties that can be assessed against employers and individuals? Hello All Many of you have asked me what are the penalties that can be assessed against employers and individuals.  I am including links to two documents from … Continue reading