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Benefits buzz October 2012


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Benefits and HR Tips

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Benefits buzz October 2012

  1. 1.   DID YOU KNOW   October is Health Literacy MonthBenefits and HR tips brought to you by and the perfect time to promote theThe Gardner Group importance of understanding health information. Consider offering a special information session dedicated to helping your employees gain a better understanding of their health benefits. Take this opportunity to impress upon them the importance of consumerism when making health care decisions.Temporary Guidance Issued on CDHP Satisfaction90-day Waiting Period Limit on the Rise New temporary guidance has been to elect coverage that would begin within A recent report from the Employeereleased regarding the 90-day maximum the 90-day limit, the plan is not in Benefit Research Institute indicates thatwaiting period mandated by the violation of this stipulation. Therefore, a overall enrollee satisfaction withAffordable Care Act (ACA). The ACA plan is not in violation merely because an consumer-driven health plans (CDHPs) isstipulates that for plan years beginning employee takes time to elect coverage. rising.on or after Jan. 1, 2014, group healthplans and group health insurance issuers If your plan’s eligibility depends on a The report states that while themay not apply any waiting period that specified number of hours per pay percentage of traditional-plan enrolleesexceeds 90 days. period, and you are unable to determine who are extremely or very satisfied with whether a newly-hired employee will their health plan overall is higher than forThis temporary guidance, Notice 2012- satisfy the requirements, the guidance CDHP enrollees, it has declined from 6759, was issued on Aug. 31, 2012, and states that you may take a reasonable percent in 2006 to 57 percent in 2011.will remain in effect at least through the period of time to determine whether theend of 2014. employee is eligible. Conversely, the percentage of enrollees who are extremely or very satisfied withAccording to the guidance, a waiting This measurement period will comply their CDHP plan has risen from 37period is the period of time that must with ACA’s waiting period limit if percent in 2006 to 46 percent in 2011.pass before coverage for an employee or coverage is made effective no later thandependent who is otherwise eligible to 13 months from the employee’s start Because attitudes toward out-of-pocketenroll under the terms of your plan can date, unless a waiting period of more health care costs resemble the trends ofbecome effective. Employees and than 90 days is imposed after the period. overall health plan satisfaction, it isdependents are eligible when they have believed that out-of-pocket costs aremet your plan’s eligibility conditions, as For example situations or more primarily driving these trends in overallspecified in your plan’s terms. information, contact The Gardner Group plan satisfaction.Any eligibility condition that is basedsolely on the lapse of time cannot belonger than 90 days.As long as a plan enables an employee © 2012 Zywave, Inc. All rights reserved