The CheckPoint HR Blog

Administration Introduces Altered Rules to Insurers and Employers

Posted by Bill Faughnan on Wed, Nov 28, 2012

The Obama administration has released new health care regulations, which will prevent insurers from adjusting premiums based on pre-existing or chronic health conditions. Additionally, insurers cannot tell states what benefits must be included in health exchange plans. According to Kathleen Sebelius, Health and Human Services Secretary, one of the main goals of the health care law is to ensure that no one is discriminated against because of pre-existing conditions.

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Topics: Health Care Reform, health care, Altered Rules to Insurers and Employers, obamacare, PPACA, patient protection and affordable care act, healthcare reform, Health Care Law

Open Enrollment is Around the Corner

Posted by Jennifer Camacho on Fri, Oct 5, 2012

Employees across the country can expect to receive 2013 open enrollment materials throughout the next few weeks. The open-enrollment period offers them the opportunity to make changes to the healthcare benefits they currently receive. Often times, mistakes made during the open enrollment period cost workers, and that wasted money can amount to up to $750 annually, according to a recent survey by Aflac. Many of these mistakes are made as employees attempt to sift through page after page of benefits materials that can be both confusing and overwhelming.

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Topics: Health Care Reform, health care, Benefits, open enrollment, Affordable Care Act

Health Care Reform Next Steps – Planning for 2014

Posted by Bill Faughnan on Mon, Oct 1, 2012

The health care reform bill signed into law in March of 2010 by President Obama has already been through a lot.  Repealed, then not repealed, and now apparently destined for the Supreme Court.  While republicans and democrats are battling over the bill, most businesses are already considering what their next steps are concerning health care reform.  If it comes through the current legal battles unchanged, the different provisions and regulations set forth by the bill will take effect in 2014. Already, businesses across the country are reviewing their options and making plans as to what their health care reform next steps will be.

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Topics: Health Care Reform

Health Care Reform – A Look at the Laws and Your Business

Posted by Bill Faughnan on Sun, Jun 24, 2012

It was a long time coming, but health care reform laws finally took effect in March of 2010, signed into law by President Obama.  Immediately, members of congress began a battle to repeal the laws, a battle that is still ongoing and likely to find its way into the Supreme Court.  While the battle rages on, it's a good idea to review the laws included in the health care reform bills and how they relate to business owners.  Although there is a chance that the laws might be changed or even abolished entirely, there is also a very good chance that some or all of them will remain in effect.  And since the changes they make begin to occur very soon, it is worth any business owner's time to understand what the current health care reform laws mean to them.

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Topics: Health Care Reform

How Will Health Care Reform Affect Employers – What to Expect

Posted by Bill Faughnan on Sun, May 13, 2012

When President Obama signed the health care reform bill into law in March of 2010, it set into motion one of the largest overhauls of the American health care system in history.  Affecting everything from private insurance for individuals to Medicare, the bill's changes began to take effect almost immediately after it became a law, and changes will be implemented for years to come.  Although there are measures being taken to repeal or change some aspects of the law, it's still important to prepare for the upcoming changes.  So how will health care reform affect employers?  It really depends on your business.

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Topics: Health Care Reform

Five Percent of Americans Responsible for Half of Nation’s Healthcare Spend

Posted by Bill Faughnan on Wed, Jan 18, 2012

In 2009, Americans spent $1.26 trillion on healthcare. According to the Agency for Healthcare Research and Quality, that number rounds out to about $90,000 per person. A recent federal study found that a mere 1% of Americans accounted for 22% of healthcare costs in the same year. The report also found that around one in five healthcare consumers were among the top 1% of spenders for at least two years in a row. In other words, half of the US population spends very little on health care.

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Topics: Health Care Reform, employee benefits, health care, health care costs, health reform law

Test Your Knowledge on Healthcare Reform

Posted by Bill Faughnan on Mon, Jul 11, 2011

The Patient Protection and Affordable Care Act was enacted in March 2010. So how knowledgeable are you about the law?

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Topics: Health Care Reform, PPACA, patient protection and affordable care act

BROKERS! Are you looking to increase revenues?

Posted by Shannon Cortina on Wed, Mar 23, 2011

In the new world of health care reform, many brokers are wondering how they can generate additional streams of revenue.  In addition to revenue concerns, many brokers realize that there is a need to find new ways of delivering services to their clients.

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Topics: Health Care Reform, health care, Benefits, insurance broker

Controlling Health Care Costs – Five Quick Tips

Posted by Bill Faughnan on Tue, Mar 22, 2011

All businesses want to be able to offer their employees great benefits.  Health insurance is the most sought after type of benefit that potential employees look for when seeking employment.  But for businesses of any size, the cost of insurance can be more than they expected.  Controlling health care costs is an important aspect of providing employees with insurance.  By considering a few steps, a business can still provide their employees with insurance benefits but lower the amount they have to pay for it.  And insurance isn't just the only factor.  Employee absences due to illness and workers compensation can also hurt your budget.  Here are five things you can consider implementing for controlling health care costs in your business.

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Topics: Health Care Reform, employee benefits, health care, Benefits, health care costs, benefits broker

Five Healthcare Benefit Trends to Consider

Posted by Shannon Cortina on Tue, Mar 15, 2011

Employers are always looking for innovative ways to balance the needs of their workforce but now in a post- Health Care Reform era this becomes even more important. One thing is for certain, employers must work with a trusted advisor to ensure they sustain an optimal benefits program.

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Topics: Health Care Reform, health care, human resources, benefits strategy, health care costs, benefits broker, health reform law