Articles

Wellness & Safety equals Healthy Occupational Performance

Workplace safety and wellness programs benefit employers and their employees. While the programs can be implemented independently of each other, there are proven enhanced results when the two are combined into one overarching Employee Health, Safety, and Wellness program.

Read more

2012 Health Reform Issues for Employer Sponsored Health Plans

Most employers are aware that many of the significant aspects of the Affordable Care Act (ACA) begin to take effect in 2014. There are, however, a number of provisions included in the ACA that will affect employer-sponsored health plans in 2012.

Read more

Departments Release Benefit Summary Rules

The IRS, Department of Labor, and Health and Human Services (The Regulatory Agencies) have released proposed regulations on the Summary of Benefits and Coverage (referred to as the SBC by the Regulatory Agencies) requirements contained in the Affordable Care Act (ACA).

Read more

The Patient-Centered Medical Home: The Healthcare Delivery Model for the Future?

One result of the Patient Protection and Affordable Care Act (PPACA) of 2010 has been a renewed conversation about the broken U.S. healthcare system.

Read more

Earthquake Deductibles and Deductible Buy Downs: Do You Know Your Liability in the Event of a Loss?

Earthquake coverage for property assets in high hazard areas is often subject to a percentage deductible rather than a specific flat dollar amount. The deductible will typically range from 2% to 5% based on several factors, including age of the building, type of construction (i.e., frame, masonry or steel), and soil conditions.

Read more

Entity-Employed Physicians and Medical Malpractice Coverage Issues

Physician employment by hospitals and medical facilities continues. The change from independent to employed physician status has been rapid and all indications suggest that the trend will continue.

Read more

Data Liability: Challenges Facing Employers

In a recent article titled Hack Attack published in Time Magazine, the author, Bill Saporito, provides a glimpse into the world of hackers and outlines the motivations of LulzSec, the group responsible for the much-publicized Sony breach.

Read more

Have You Outgrown Your Homeowner’s Insurance?

Several years ago I met with a potential client who had an extraordinarily beautiful Seattle home. As I reviewed the couple’s current insurance policy, I was shocked to discover that the home was insured for $3 million, only half of the $6 million replacement cost.

Read more

The Health Reform Individual Mandate is Ruled Unconstitutional – or was it?

In the last 45 days, two separate federal appeals courts have come to opposite decisions regarding the constitutionality of the individual mandate contained in the Affordable Care Act (ACA).

Read more

Preventive Services for Women

On August 1, 2011, the Department of Health and Human Services (HHS) adopted guidelines that will require non-grandfathered health plans to provide women’s preventive services with no cost sharing for participants.

Read more

Healthcare Reform: FAQs

HHS Releases Health Insurance Exchange Regulations

On Monday, July 11, 2011, the U.S. Department of Health and Human Services (HHS) published two Notices of Proposed Rulemaking (NPRM).

Read more