HUB International's Chief Compliance Officer, Sibyl Bogardus, delivers a comprehensive review of Health Care Reform & Benefit changes that are coming and what employers need to do to be prepared.
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Healthcare Reform: A Practical and Strategic Look at the ImpactSikich LLP
These slides cover the information below. You can also view the live recording of this video here:
https://vimeo.com/69172281
- What we know today about healthcare reform
- Healthcare reform's impact on payroll, HR, and benefits
- Notice of Exchanges
- Updated COBRA notice
- Employer mandates
- Wage and hour update
- Areas of focus for 2013 and beyond
Be sure you’re traveling in the right direction. From financial concerns to sound solutions, let’s talk about the challenges you face as you navigate the road toward retirement.
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This presentation from Mile High Healthcare Analytics explores how to capture accurate healthcare marketplace demographics and what these demographics tell us about re-adjusting product design in order to gain valuable insights on how to design products specifically oriented to your exchange members and which existing products make the most sense for your plan's actual population.
The Day Job v Transformation: Creating change capacity (2015)Grant Fitzner
What is driving demand for local government services? How can local government create change capacity, and what skills and competencies will its workforce need to do so?
These are the questions Antony Page and I posed to a group of senior leaders in 2015 attending a Local Government Chronicle Summit. Their responses are in the annex.
An Ounce of Prevention: Policies, Procedures and ProactivityFinancial Poise
Our society is increasingly bureaucratized and documentation is essential to working this bureaucracy. From a cost vs. benefit standpoint, having a written workplace handbook that highlights conduct, compensation and benefits, generally saves more money than it costs. While downloading a handbook from the internet, even if it’s free, may sound like a good idea, you generally get what you pay for as one-size-fits-all solutions are rarely as effective as solutions tailored to your needs. What makes the most sense for your organization? What policies are must-haves? What are the latest best practices when it comes to employee handbooks? What about training your staff and your managers? This webinar presents practical advice for employers looking to put themselves in the best position possible to not only defend against employment-related claims but—hopefully—to help avoid them in the first place.
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Health Care Reform Reporting: What you need to know to be ready for January 1...Tanya Gonzalez
When the calendar flips over to 2015, health reform’s new data gathering requirements for IRS Code Sections 6055 and 6056 reporting go into effect. Under these new reporting rules, employers with over 50 or over 100 full-time employees must provide information to the IRS about their group size and the health plan coverage they offer (or do not offer) to their employees.
What's Going on in Labor and Employment Law: 2016 and BeyondG&A Partners
What’s trending in the world of human resources compliance? Get the inside scoop on the hottest topics in labor and employment law from a board-certified expert in this fast-paced webinar program.
Healthcare Reform: A Practical and Strategic Look at the ImpactSikich LLP
These slides cover the information below. You can also view the live recording of this video here:
https://vimeo.com/69172281
- What we know today about healthcare reform
- Healthcare reform's impact on payroll, HR, and benefits
- Notice of Exchanges
- Updated COBRA notice
- Employer mandates
- Wage and hour update
- Areas of focus for 2013 and beyond
Be sure you’re traveling in the right direction. From financial concerns to sound solutions, let’s talk about the challenges you face as you navigate the road toward retirement.
Breaking Down Benefits: 5 Benefits Trends Driving Change In 2020Aggregage
HR is constantly evolving, and 2019 saw no shortage of changes. With new state regulations impacting everything from parental leave to classifying contract employees, all of these moving parts have made it even more critical for employers to provide benefits that meet the needs of the modern employee. Join Meisha Bochicchio, Content Marketing Manager at PlanSource, to learn the top five benefits trends driving change in 2020 and how to react to these changes.
This presentation from Mile High Healthcare Analytics explores how to capture accurate healthcare marketplace demographics and what these demographics tell us about re-adjusting product design in order to gain valuable insights on how to design products specifically oriented to your exchange members and which existing products make the most sense for your plan's actual population.
The Day Job v Transformation: Creating change capacity (2015)Grant Fitzner
What is driving demand for local government services? How can local government create change capacity, and what skills and competencies will its workforce need to do so?
These are the questions Antony Page and I posed to a group of senior leaders in 2015 attending a Local Government Chronicle Summit. Their responses are in the annex.
An Ounce of Prevention: Policies, Procedures and ProactivityFinancial Poise
Our society is increasingly bureaucratized and documentation is essential to working this bureaucracy. From a cost vs. benefit standpoint, having a written workplace handbook that highlights conduct, compensation and benefits, generally saves more money than it costs. While downloading a handbook from the internet, even if it’s free, may sound like a good idea, you generally get what you pay for as one-size-fits-all solutions are rarely as effective as solutions tailored to your needs. What makes the most sense for your organization? What policies are must-haves? What are the latest best practices when it comes to employee handbooks? What about training your staff and your managers? This webinar presents practical advice for employers looking to put themselves in the best position possible to not only defend against employment-related claims but—hopefully—to help avoid them in the first place.
Part of the webinar series: PROTECTING YOUR EMPLOYEE ASSETS: THE LIFE CYCLE OF THE EMPLOYMENT RELATIONSHIP 2022
See more at https://www.financialpoise.com/webinars/
Health Care Reform Reporting: What you need to know to be ready for January 1...Tanya Gonzalez
When the calendar flips over to 2015, health reform’s new data gathering requirements for IRS Code Sections 6055 and 6056 reporting go into effect. Under these new reporting rules, employers with over 50 or over 100 full-time employees must provide information to the IRS about their group size and the health plan coverage they offer (or do not offer) to their employees.
The dimensions of healthcare quality refer to various attributes or aspects that define the standard of healthcare services. These dimensions are used to evaluate, measure, and improve the quality of care provided to patients. A comprehensive understanding of these dimensions ensures that healthcare systems can address various aspects of patient care effectively and holistically. Dimensions of Healthcare Quality and Performance of care include the following; Appropriateness, Availability, Competence, Continuity, Effectiveness, Efficiency, Efficacy, Prevention, Respect and Care, Safety as well as Timeliness.
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Join us as we delve into the crucial realm of quality reporting for MSSP (Medicare Shared Savings Program) Accountable Care Organizations (ACOs).
In this session, we will explore how a robust quality management solution can empower your organization to meet regulatory requirements and improve processes for MIPS reporting and internal quality programs. Learn how our MeasureAble application enables compliance and fosters continuous improvement.
Trauma Outpatient Center is a comprehensive facility dedicated to addressing mental health challenges and providing medication-assisted treatment. We offer a diverse range of services aimed at assisting individuals in overcoming addiction, mental health disorders, and related obstacles. Our team consists of seasoned professionals who are both experienced and compassionate, committed to delivering the highest standard of care to our clients. By utilizing evidence-based treatment methods, we strive to help our clients achieve their goals and lead healthier, more fulfilling lives.
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Cold Sores: Causes, Treatments, and Prevention Strategies | The Lifesciences ...The Lifesciences Magazine
Cold Sores, medically known as herpes labialis, are caused by the herpes simplex virus (HSV). HSV-1 is primarily responsible for cold sores, although HSV-2 can also contribute in some cases.
Health Education on prevention of hypertensionRadhika kulvi
Hypertension is a chronic condition of concern due to its role in the causation of coronary heart diseases. Hypertension is a worldwide epidemic and important risk factor for coronary artery disease, stroke and renal diseases. Blood pressure is the force exerted by the blood against the walls of the blood vessels and is sufficient to maintain tissue perfusion during activity and rest. Hypertension is sustained elevation of BP. In adults, HTN exists when systolic blood pressure is equal to or greater than 140mmHg or diastolic BP is equal to or greater than 90mmHg. The
Deep Leg Vein Thrombosis (DVT): Meaning, Causes, Symptoms, Treatment, and Mor...The Lifesciences Magazine
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Letter to MREC - application to conduct studyAzreen Aj
Application to conduct study on research title 'Awareness and knowledge of oral cancer and precancer among dental outpatient in Klinik Pergigian Merlimau, Melaka'
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COVID-19 PCR tests remain a critical component of safe and responsible travel in 2024. They ensure compliance with international travel regulations, help detect and control the spread of new variants, protect vulnerable populations, and provide peace of mind. As we continue to navigate the complexities of global travel during the pandemic, PCR testing stands as a key measure to keep everyone safe and healthy. Whether you are planning a business trip, a family vacation, or an international adventure, incorporating PCR testing into your travel plans is a prudent and necessary step. Visit us at https://www.globaltravelclinics.com/
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TEST BANK For Accounting Information Systems, 3rd Edition by Vernon Richardson, Verified Chapters 1 - 18, Complete Newest Version
About this webinar: This talk will introduce what cancer rehabilitation is, where it fits into the cancer trajectory, and who can benefit from it. In addition, the current landscape of cancer rehabilitation in Canada will be discussed and the need for advocacy to increase access to this essential component of cancer care.
6. Ultimate Rewards
A Results-Driven Approach to Total Rewards:
• Executive and broad-based compensation
• Sales compensation and incentive plan designs
• Compensation and performance management outsourcing
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8. Sibyl Bogardus provides compliance and consulting advice regarding employee benefits. Areas of
expertise include federal healthcare reform, HIPAA, ADA, wellness, labor laws, COBRA, ERISA,
FMLA, and compliance with tax requirements.
Sibyl has been named as one of the 100 Leading Women in insurance by Business Insurance and
one of the 25 Most Influential Business Women by the St. Louis Business Journal.
She is a nationally recognized speaker on healthcare reform, medical plan design trends, state and
federal laws, and human resources issues.
A widely-published author on healthcare reform, employee benefits, tax, and labor law issues,
Sibyl publishes articles each month in Health Reform Magazine. She is on the Editorial Advisory
Board of Benefits Quarterly, a publication of the International Society of Certified Employee Benefit
Specialists. She has given interviews for radio, magazines, and newspapers.
Sibyl
Bogardus
Chief Compliance
Advisor, Attorney
10. 10
Agenda
• Tough - and valuable - lessons from 1/1/15 enrollments
and rollout of group health reform
• Will technology catch up to legal requirements?
• Effects of individual exchange enrollment, subsidies, and
premium payments
• The Supreme Court case - key dates and likely outcomes
• A Republican Congress - what we expect in 2015 & later
• Increased DOL & IRS audit activity – impact on you
• Dealing with 2015's top five expected developments
11. 11
So, How Did THAT Feel?
Tough & valuable lessons from 1/1/15
enrollments & rollout of group health reform
• Communications
o Benefit guide re-alignment
o Enrollment meetings (“It lasted how long?”)
o Typical employee questions and concerns
• Enrollment percentages & changes
o Traditional core health plans
o Minimum value skinny
12. 12
So, How Did THAT Feel? (cont.)
Tough & valuable lessons from 1/1/15
enrollments & rollout of group health reform
• Nontraditional plans
o ELAP (Medicare plus a percentage)
o Supplements
o Skeletons?
o No hospitalization…RIP
• Renewals / rate changes
o Large group
o Small group
o Fixed costs for self-funded plans
13. 13
Key C-Suite Goal:
No Surprises on Additional Costs
• Opportunities to minimize financial and administrative
impacts
o The challenge: Migraine inducing, right?
o One answer: Technology, but who is ready?
• Standards for compliance in 2015/2016
o Budget for the offer
70% moving to 95%
Individual penalty impact
o Good faith on reporting
• Making a business case
o Who will be your internal partner? External?
14. 14
Advance Planning Remains Crucial
Why and how to create a 3-5 year strategic
plan for healthcare reform
• The grid to guide you
• Work in flexibility
o Ongoing changes with agency interpretations
o Cadillac tax
o Need for fallback strategies
• Financial analysis for self-funding
• Monitor new benchmarks and approaches
15. 15
Are Your Systems Ready?
• Tracking
o Hours worked, PTO, FMLA, Military Leave, jury duty
o Changes in position or job status
• Gathering date & reporting to employees & IRS
o Draft forms
o Impact as enforcement tool
• Premium adjustments and other nuances
Will technology catch up to legal requirements?
16. 16
Staying on Top of Practical Issues
• Variable hour and seasonal classifications
o Practical implications of premium collection
o Changing status of an employee:
Change to full-time (new hire … or other?)
Change to part-time (variable hour or full-time?)
“Wasn’t there another rule on…?”
o Leaves of absence
o PTO accruals
o Rate of pay changes
o Changing measurement periods
Remember – 70%! And remember to…Breathe!
17. 17
Your employees are asking…
”What is happening?”!
Effects of individual exchange enrollment,
subsidies, and premium payments
• Inappropriate subsidies
• “Unique perspective” of state exchanges
• Pitfalls for the unwitting
o Uncoordinated & inadequate information
o Claw backs
• Beware unions & staffing/temp/ PEO firms
• “Help me with $, information/advice, tax forms”
18. 18
Keep Employee Engagement
Facilitate human capital management
in the midst of these changes
• Cultural considerations
• Matching processes internally
• Avoid the Siren Song of public exchanges
• Education -- re-focus and emergence of "new" tools
19. 19
What will the Court Say?
• The Supreme Court case
o Subsidies for citizens in state exchange (not federal?)
o Current # of state exchanges
• Key dates
o Arguments in March
o Decision before July 4th
• Possible outcomes
o Subsidies in any exchange
o Subsidies only in state exchanges
• Then what?
• Likely outcome…wait for it…wait for it….
20. 20
Impact of Politics?
• Republican Congress
o 2/3
• Upcoming Presidential election
• What we expect in 2015 & later
o Hours adjustment to 40?
o Penalty elimination
o Mandate elimination
o Repeal? Or repeal & replace?
o The big fix in July, August, later
21. 21
Implementation & Changing
of the Guard in 2016
• Expect a push & prepare for disruptive changes
• Want to get involved?
o Deal with facts: Regulatory agenda
o Federal requests for input
• Comment if an issue is important to you
o Example: k-12 substitute teachers
• Dual path -- compliance + advocacy
22. 22
An Audit – How will that feel?
• Increased DOL & IRS audit activity
o Foreshadowing!
• Triggers
o Complaints
o Reporting
o Timing
• Immediate impact on you
• Fallout
o Cross-referrals
o Vendor impact
o The follow-through
23. 23
Staying Out of Trouble
How to avoid the scams and shams
the IRS will be targeting in audits
• Individual policy payments or reimbursements
• Unearthing skeletons in your benefits closet
• Defined contribution software
• Payroll tax avoidance schemes
• More war stories
And don’t forget the DOL
• Employee communication
o Fiduciary responsibilities
• Building your Fiduciary File
24. 24
Staying Ahead of the Curve
• What works, what doesn’t, and how to avoid
the wrong path
• Consider pros & cons
• Strong Trend: Collaboration
• Using influence – the “solution solution”
• Sample considerations for Cadillac Tax
o Supplemental benefits
o Eliminating the health plan
o Skinny plan options – not for everyone
o Self-funding
o Budgeting
25. 25
Sweat (& Document) the Small Stuff
Example: Affordability safe harbors
• Three possible safe harbors
o W-2, Rate of Pay, Federal Poverty
• Practical application
• What about non-safe harbors?
Memorialize the path you have taken
Similar issues: waiting period, non-health eligibility,
measurement and coverage rules, transition relief for
effective date or delay, class outs, etc.
26. 26
Sweat (& Document) the Small Stuff
Example: Employee Categories
• Variable hour, seasonal, and full-time
• Elimination of other categories for health benefits
• How to establish status
o With employees
o In HR documentation
• Addressing other benefits
Memorialize the path you have taken
27. 27
Top 5 Expected Developments in 2015
1. Discrimination rules for insured plans
2. Final Forms 1095-C and related forms and instructions
for employee & IRS
3. Small employer guidance
• Effective dates
• Other… like required notices?
4. Automatic enrollment (200+ employees plus)
5. Cadillac Tax
• Perhaps as request for input