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Employers, take note: According to the Medicare Prescription Drug, Improvement, and Modernization Act in 2003, you are required to send Medicare Part D Notices of Creditable Coverage by October 15. These notices detail whether your group-sponsored healthcare plan is expected to cover as much as the standard Medicare Part D plan regarding prescription drug costs. What is standard coverage under Medicare? Deductible: $480Initial...

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Healthcare plans can be complicated, and trigger confusion for consumers. In particular, many participants in healthcare plans experience difficulty detangling the details of their plans with regard to healthcare service pricing and their own out-of-pocket spending. The Transparency in Coverage rules created by the federal government in 2020 were designed to answer critical questions regarding price and quality of healthcare services,...

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You enrolled in a High Deductible Healthcare Plan (HDHP) because it helps you to achieve lower monthly premiums. In addition, a Health Savings Account (HSA) or Health Reimbursement Arrangement (HRA) helps you to manage the out-of-pocket expenses associated with these types of healthcare plans. However, changes in the cost of living would render these types of plans and accounts much less useful if certain limits were not occasionally...

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Your employees utilize a High Deductible Healthcare Plan because it helps them to maintain lower premiums. Plus, a Health Savings Account or Health Reimbursement Arrangement helps them to manage the out-of-pocket expenses associated with these types of healthcare plans. But because the cost of living does change over time, these plans would lose their appeal and usefulness if we did not occasionally adjust certain limits with regard...

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For many employees, certain benefits are more than simple “perks”. They’re extremely important, perhaps even essential, to maintaining health and job satisfaction. This is especially true of mental health care, which in the past was not always viewed as a crucial benefit by employers. These days, 42 percent of workers say they’re more likely to stay with a job that offers mental health care. Lack of mental health care is equally...

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In the past, those suffering from mental health concerns often felt swept under the rug, with services difficult to obtain and health insurance coverage lacking. The good news is that a lot has changed in recent years, and all Californians should know their rights regarding mental health services. We now recognize that mental health is just as important as physical health. And the law agrees: The Affordable Care Act defines mental and...

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