Three Ways to Get More Bang For Your Benefits Buck!

Are you getting the best return on your investment in employee benefits? Unfortunately, it’s not always not easy to answer this question. You might well have too much information on some programs – and too little on others. To help employers evaluate the cost-effectiveness of health-related benefits program, experts recommend these guidelines: Focus on the… Read more »

Key Obamacare Provision Delayed

Washington (CNN) – The requirement that businesses provide their workers with health insurance or face fines – a key provision contained in President Barack Obama’s sweeping health care law – will be delayed by one year, the Treasury Department said Tuesday. The postponement came after business owners expressed concerns about the complexity of the law’s reporting… Read more »


As wellness and health management programs have become increasingly common, many employers who’ve seen the positive results of reward-based incentives wither have begun using  financial penalties to encourage enrollment in these plans. Although this can be an effective approach in boosting plan participation among at-risk workers, misusing it can lead to negative reactions from employees…. Read more »

Obamacare-like groups tied to lower costs: study

NEW YORK (Reuters Health) – Large independent doctor practices that focus on primary care tend to spend less money and are more likely to meet guidelines for Americans on Medicare than smaller groups, according to a new study. The findings suggest that the so-called Accountable Care Organizations (ACO) created by the 2010 Affordable Care Act may improve the quality… Read more »


Although discussing stress with health care providers plays a key role in helping us stay healthy, many people aren’t doing this, according to a recent study from the American Psychological Association (APA) Dr. David Ballard, APA Assistant Executive Director for Marketing and Business Development, and Citrin Consulting President Richard Citrin offer these suggestions to help… Read more »

Pay or Play: Minimum Essential Coverage

Over the past few weeks we have been exploring the topic of Health Care and weather you should “Pay or Play.” Today we are going over Minimum Essential Coverage and Minimum Value 60%. Minimum Essential Coverage: PPACA defines what must be included as MEC Carriers will confirm to requirements Employers should rely on carriers and… Read more »

Section 414 – Controlled Groups

Section 414 requires that closely related companies be treated as a single employer for benefit plan purposes. Parent-Subsidiaries: exists when one or more chains of corporations are connected through stock ownership with a common parent corporation; and 80% of the stock of each corporation is owned byone or more corporations in the group; and Parent… Read more »

Maryland Health Centers Get $1.7 Million in Federal Funding

Sixteen health centers in Maryland will share in $1.7 million in federal funding to help enroll uninsured residents in health plans under health care reform. The money is part of $150 million the federal Department of Health and Human Services announced Thursday it was making available to health centers around the country. The money will… Read more »

Are You Going to Pay or Play: Part 2

Five major considerations for Pay or Play are as follows: Number of full time employees & equivalents Minimum Essential Coverage (MEC) Minimum Value Test (60% actuarial value) Affordability Test (Safe Harbor) Pre or Post Tax Considerations To see what type of penalty may or may not apply to your businesses health care situation, follow the… Read more »

Are You Going To Pay or Play?

Over the next few weeks we will be discussing the topic of “Pay or Play” when it comes to the Healthcare Reform and businesses. Why are employers concerned? By not offering a compliance approved health plans to all full time employees could result in a $2,000 penalty per employee per year. By not offering affordable health care to… Read more »