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Blog Posts:
Is Health Club Membership an ERISA Benefit? Understanding Employer Contributions and On-Site Fitness Centers
When companies contribute to the cost of health club memberships or provide on-site fitness centers, questions often arise about whether these benefits fall under the Employee Retirement Income Security Act (ERISA). Understanding the nuances of ERISA and how it...
Understanding Annual Dollar Limits on Benefits for Self-Insured Group Health Plans
When considering design changes to a self-insured group health plan, it’s crucial to understand the regulations surrounding annual dollar limits on benefits. Specifically, group health plans and insurers are prohibited from establishing annual limits on the dollar...
How Health Plans Ensure Claims and Appeals Notices Are Culturally and Linguistically Appropriate
Health plans must communicate effectively with all members, regardless of their language. The Affordable Care Act (ACA) mandates that claims and appeals notices be provided in a culturally and linguistically appropriate manner. Here’s how health plans can meet these...
Understanding HIPAA and FMLA: Do Employers Need Authorization for Protected Health Information?
Navigating the complexities of federal laws like HIPAA and FMLA can be challenging for employers. One common question is whether HIPAA requires an individual’s authorization before an employer can receive their Protected Health Information (PHI) for Family and Medical...
Midyear DCAP Election Changes: Navigating Nondiscrimination Rules and Employee Contributions
Navigating the complexities of Dependent Care Assistance Programs (DCAP) can be challenging, especially when dealing with midyear election changes and nondiscrimination rules. This blog post will explore whether an employee can begin contributing to a DCAP midyear if...
Navigating COBRA Coverage Termination: A Closer Look at Fraudulent Claims
COBRA, the Consolidated Omnibus Budget Reconciliation Act, provides employees with the option to continue their health insurance coverage after leaving their job. However, certain circumstances can lead to the early termination of this coverage. One such circumstance...
Top 5 FSA and HSA Eligible Items for Stress-Free Back-to-School Shopping
As the back-to-school season approaches, parents and students are preparing for the new academic year. Beyond the usual school supplies, there are many health-related items eligible for purchase using your Flexible Spending Account (FSA) or Health Savings Account...
Understanding Pre-Tax Medical Coverage Options During Unpaid FMLA Leave
Navigating the complexities of medical coverage during unpaid Family and Medical Leave Act (FMLA) leave can be challenging for both employees and employers. One common question that arises is whether employees can prepay their share of medical plan coverage on a...
Understanding Medicare Part D Disclosure Notices: Requirements for HRAs and Health FSAs
In the complex world of healthcare benefits, understanding the requirements for Medicare Part D disclosure notices can be a challenge, especially for start-ups venturing into offering health plans. This article aims to shed light on the requirements for Health...
Understanding Special Enrollment Rights When Employees Lose Other Coverage
When it comes to health insurance coverage, understanding special enrollment rights is crucial. In this article, we’ll explore the scenario where an employee previously dropped group health coverage due to obtaining other coverage but subsequently loses that other...
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