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Open Enrollment Period

Open Enrollment Dates The open enrollment period for coverage beginning in 2015 begins November 15, 2014 and extends through February 15, 2015 (subject to change); During the annual open enrollment period, members may apply for coverage or change plans as early as January 1, 2015; For coverage to begin on January 1, 2015, the application … More

Medicare Annual Election Period and Part D Disclosure Notices

Medicare Annual Election Period & Part D Disclosure Notices Medicare’s Annual Election Period (AEP) begins on October 15, 2014 and ends on December 7, 2014. Employers who provide prescription drug coverage to Medicare Part D‑eligible individuals must distribute to these individuals annual notices indicating whether their employer-sponsored prescription drug benefit is creditable or non‑creditable* coverage.  … More

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Open Enrollment Explained

Health Care Reform: Open Enrollment Explained By: John Rico, Owner: Rico, Pfitzer, Pires and Associates Insurance Agency, Inc. Open enrollment is the only time of the year you can obtain a major medical plan that counts as minimum essential coverage in the Individual and Family Market without qualifying for a special enrollment period. This is … More

CA Senate Bill 1446 (Grandmothering) Becomes Law

California Senate bill 1446 has been signed into law so Grandmothering is official! This will allow qualifying small group employers with a 4th quarter 2014 health renewal the option of keeping their 2013 plans for another year rather than converting them to 2014 ACA plans.  Some carriers are even allowing this on their 9/1 renewals. … More

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IRS Clarifies Rule on Individual or Exchange Coverage for Employees

IRS Clarifies Rule on Individual or Exchange Coverage for Employees On May 16, 2014, the Internal Revenue Service (IRS) issued a FAQ response to clarify whether employers can provide added compensation to employees, so they may purchase individual health coverage. The IRS FAQ answer says it is illegal for an employer that does not establish … More

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Small Business Health Care Tax Credit

How much is your Small Business Health Care Tax Credit worth? When you buy health coverage for your employees through the Small Business Health Options Program (SHOP) Marketplace, you may qualify for a tax credit worth up to 50% of your premium contributions. • Our the SHOP Tax Credit Estimator can tell you what that credit … More

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Non-Discrimination Rule Update under PPACA

Under PPACA (The Patient Protection and Affordable Care Act, commonly called the Affordable Care Act or Obamacare) non-grandfathered group health plans were advised not to discriminate in favor of “highly compensated individuals.” PPACA defines “highly compensated individuals” as a group that includes the five highest-paid officers, but also shareholders who own more than 10 percent … More

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Healthcare Reform Documents

New information and explainations regarding Healthcare Reform are being released on a continuous basis. To help you sort through the information and answer your questions, we’ve provided links to important documents on this page. Please check back often for updates. Click on the links below to open the .pdf files for the following documents. Small … More

Health Care Reform – Large Group

Navigating the labyrinth of ever-changing information regarding employers and health care reform can be overwhelming.  We’re here to help.  Click the image below to get some simplified information regarding Large Group employers.   If you still have questions, please contact us at your convenience.    

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