by admin_ng3149khjh | Jun 11, 2017 | Uncategorized
GROUP HEALTH – EMPLOYEE BENEFITS – MEDICARE SUPPLEMENTAL INSURANCE
PBI Insurance offers Group Health Insurance and Employee Benefits for employers in New Haven County CT. If you are an employer in Connecticut we can show you ways to reduce the cost of your benefits packages. The topic of health care benefits, insurance carriers withdrawing from state exchanges and the high cost of premiums is politically charged. Everyone is talking about the possibility of Affordable Care Act replacement
Could he GOP plan to repeal and replace ObamaCare remove protections for people who get health insurance through their employers? The new MacArthur Amendment may have effects that cross state lines. This amendment would allow states to waive certain insurance market regulations introduced by the ACA. The ACA’s protection for ‘essential health benefits’, ban on annual and lifetime limits, and to cap out-of-pocket spending may go out the window when allowed to apply any state’s definition of essential health benefits.
Similarly, the ACA only requires that plans cap enrollees’ annual out-of-pocket spending on care that is considered essential health benefits. Large employers would be able to impose lifetime limits on healthcare costs and eliminate out of pocket caps. Under current law, allowing large employer plans this type of flexibility has limited impact since all states’ essential health benefit definitions are required to meet basic federal standards. But if each state could set its own definition of essential health benefits, as states would be allowed to do under the MacArthur Amendment, the consequences of allowing this flexibility would be significant.
So with talk of health care reform, how are Employer Benefits packages going to be affected? For this and other questions pertaining to your obligations as an employer, call PBI Insurance today at 860-233-1171. We will unravel the confusion you may have about employee group benefits, health care coverage, and your costs.
by admin_ng3149khjh | May 28, 2017 | employee benefits, group benefits, group health benefits
GROUP HEALTH – EMPLOYEE BENEFITS – MEDICARE SUPPLEMENTAL INSURANCE
PBI Insurance offers Group Health Insurance and Employee Benefits for employers in Hartford County CT. If you are an employer in Connecticut we can show you ways to reduce the cost of your benefits packages. Everyone is talking about the impending Affordable Care Act replacement – more questions arise with its replacement by the American Health Act.
Could he GOP plan to repeal and replace ObamaCare remove protections for people who get health insurance through their employers? The new MacArthur Amendment may have effects that cross state lines. This amendment would allow states to waive certain insurance market regulations introduced by the ACA. The ACA’s protection for ‘essential health benefits’, ban on annual and lifetime limits, and to cap out-of-pocket spending may go out the window when allowed to apply any state’s definition of essential health benefits.
Similarly, the ACA only requires that plans cap enrollees’ annual out-of-pocket spending on care that is considered essential health benefits. Large employers would be able to impose lifetime limits on healthcare costs and eliminate out of pocket caps. Under current law, allowing large employer plans this type of flexibility has limited impact since all states’ essential health benefit definitions are required to meet basic federal standards. But if each state could set its own definition of essential health benefits, as states would be allowed to do under the MacArthur Amendment, the consequences of allowing this flexibility would be significant.
So with talk of health care reform, how are Employer Benefits packages going to be affected? For this and other questions pertaining to your obligations as an employer, call PBI Insurance today at 860-233-1171. We will unravel the confusion you may have about employee group benefits, health care coverage, and your costs.
by admin_ng3149khjh | May 14, 2017 | employee benefits, group benefits, health care law
Health Care Law Updates New Haven CT
When you are confused about your responsibilities as an employer, PBI can answer all your questions about the Health Care Law, The Connecticut Health Exchange vs. Obamacare, tax credit eligibility and more. What are your obligations as an employer to insure your employees? Do your employees need health insurance through your company plan? When you have questions about Health Care Laws, requirements and options, call PBI Insurance.
Question: Are the exchanges staying intact if the American Health Care Act passes the Senate?
Call PBI today for answers to this and other questions about the Health Insurance, Group Benefits and your responsibilities as an Employer. We are keeping abreast of the law and will help demystify your rights and responsibilities with respect to health insurance.
Question: How are Health Savings Accounts going to be encouraged in the American Health Care Act, should it pass the Senate?
Call PBI Insurance today for answers to this and other questions about the impending health law changes, your responsibilities as an Employer, and what it may cost you.
Question: A number of insurers have already pulled out of ObamaCare. We now hear Aetna is pulling out of the health exchange. How does that impact the coverage I offer my employees?
PBI can help you understand the responsibilities small and large employers face with respect to the current and impending replacement health care laws. Call us today.
We at PBI invite you to consult with our knowledgeable agents. Our service area encompasses the entire state of Connecticut. Our satellite office is conveniently located on Main Street in Hamden for clients located in the greater New Haven region. Call 860-233-1171 today.
by admin_ng3149khjh | Apr 30, 2017 | employee benefits, group benefits, health care law
Health Care Law Updates Hartford CT
PBI can answer all your questions about the Health Care Law, The Connecticut Health Exchange vs. Obamacare, an employer’s responsibility, tax credit eligibility and more. What are your obligations as an employer to insure your employees? Do your employees need health insurance through your company plan? When you have questions about Health Care Laws, requirements and options, call PBI Insurance.
Question: As a small business owner, do I shop for health care benefits from the Healthcare.gov website or from Access Health CT Small Business?
Call PBI today for answers to this and other questions about the Health Insurance, Group Benefits and your responsibilities as an Employer. We have read the law and will help demystify your rights and responsibilities with respect to health insurance.
Question: How does the Family Medical Leave Act affect me as an employer, and what employees are covered?
PBI can help you understand the responsibilities small and large employers face with respect to the Family Medical Leave Act and other aspects of the health care law. Call us today.
Question: My employee wants to know if he is eligible for a subsidy if I offer health insurance and he turns it down.
To address employer responsibilities, eligibility for tax credits, and other employee coverage questions, call PBI for more information.
We at PBI invite you to consult with our knowledgeable agents in our centrally located West Hartford office. Our service area encompasses the entire state of Connecticut. Our satellite office is conveniently located on Main Street in Hamden for clients located in the greater New Haven region. Call 860-233-1171 today.
by admin_ng3149khjh | Apr 16, 2017 | employee benefits, group benefits, health care law
Health Care Law Updates Avon CT
PBI can answer all your questions about the Health Care Law, an employer’s responsibility, tax credit eligibility and more. Are you confused over the Affordable Care Act? When you have questions about Health Care Laws, requirements and options, call PBI Insurance.
Question: If I lose my eligibility for my individual health care coverage, can I join my employer-sponsored group plan after the eligibility period has lapsed?
Call PBI today for answers to this and other questions about the Affordable Care Act. We have read the law and will help demystify your rights and responsibilities with respect to health insurance.
Question: Under the Affordable Care Act, what are the responsibilities of a “small business” vs a “large business”?
PBI can help you understand the responsibilities small and large employers face under the ACA. Call us today.
Question: What employers may be eligible for a tax credit and under what conditions?
To address employer eligibility for a tax credit, call PBI for more information.
We at PBI invite you to consult with our knowledgeable agents in our centrally located West Hartford office. Our service area encompasses the entire state of Connecticut. Our satellite office is conveniently located on Main Street in Hamden for clients located in the greater New Haven region. Call 860-233-1171 today.
