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Posts Tagged ‘cortland’

Employer Shared Responsibility

Friday, February 27th, 2015

Generally, under Employer Shared Responsibility (ESR), applicable large employers (generally, employers with 50 or more full-time employees, including full-time equivalents) face a potential
penalty if they don’t offer minimum essential coverage to full-time employees and their child dependents that has both minimum value (company is paying at least 60 percent of covered health care expenses for a typical population) and is affordable (full-time employees cannot pay more than 9.5 percent of their income for the lowest-cost, self-only coverage). Employers with fewer than 50 full-time employees are not subject to ACA’s ESR provisions. For 2015, employers with between 50 and 99 full-time employees are exempt from the ESR penalty if the employer provides an appropriate certification and meets certain conditions.
In 2015, employers subject to the mandate must offer coverage to 70 percent of their full-time employees and child dependents  or risk penalties for failure to offer coverage to all full-time employees and child dependents. To avoid a penalty in 2016, employers subject to ACA’s ESR provisions must offer coverage to 95 percent of their full-time employees and child dependents.

Implementing Health Reform: Contraceptive Coverage Final Regulations

Friday, July 12th, 2013

Heath Affairs Blog reports:

“The most controversial single issue presented by the Affordable Care Act is arguably the regulatory requirement that group health plans and insurers cover contraceptive services.  The ACA requires non-grandfathered group health plans and health insurers to offer, without cost sharing, coverage of preventive services, including women’s preventive services, that are designated by the Health Resources and Services Administration (HRSA).  Based on an Institute of Medicine study, HRSA in 2011 identified as women’s preventive services “all Food and Drug Administration approved contraceptive methods, sterilization procedures, and patient education and counseling for all women with reproductive capacity.”  Pursuant to this designation, the Department of Health and Human Services (HHS) listed contraceptives services and counseling as required preventive services.


How Employers Can Get Out of the Health Insurance Business

Monday, June 17th, 2013

Zane Benefits reports:

“With 2014 looming, businesses of all sizes are scrambling to understand the Affordable Care Act (ACA) and how it will affect their bottom line. How many employers will drop group health insurance coverage in 2014? How will larger employers deal with the employer mandate (“play or pay”) decision?

There’s been a lot of media coverage on how it will play out; opinions fall on both sides of the aisle, and all over the map. Studies indicate that while employers will drop group health insurance, they still want to provide a health benefit because it’s vital for recruiting and retaining top employees.


Health-Care Case Puts Congress On Trial

Tuesday, April 17th, 2012

Insurance News Net reports:

“April 16–The Patient Protection and Affordable Care Act was passed to deal with a modern American problem : 50 million Americans living without health insurance.

Its fate, however, will be decided by one of the oldest concepts of American law: that Congress’ power has limits and that the U.S. Supreme Court gets to decide where to draw the line.

However the court rules on the question of whether Congress overstepped its power in requiring virtually every American to buy health insurance, it could set important limits for future lawmakers.


Cortland, Illinois: Health Insurance

Thursday, October 20th, 2011

Image by Extra Medium via Flickr

We specialize in helping Cortland individuals, families, and businesses sign up and manage their Health Insurance.

With the many changes to health insurance, you may be wondering what the right choices are for you and your family. Every year brings new options and plan designs, and we can answer all of your questions. The Eriksen Insurance Group will work with you to find you the best coverage, at the best price, for your situation.

We help our clients with the following:

  • Signing up for a new policy on or off the exchange
  • Quoting and comparing new plans and prices
  • Explaining renewal options
  • Managing your current policy
  • Reviewing doctor and hospital networks
  • Determining if you qualify for a subsidy
  • Navigating and signing up on
  • Help businesses manage their health insurance and benefits plans

For individuals and families, the next annual open enrollment period for securing medical insurance starts November 1st. If you have a recent life changing event, you may qualify for a special enrollment period at any time. Please call us at (847) 426-2788 for help determining your enrollment options.

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Over the next 3 to 5 years the health insurance world will be in a state of flux. Even after your enrollment we will be here to answer all your questions and help you make the right decisions. Inside or outside of the marketplace, company plan or personal policy; whatever your situation, we have the knowledge to help you. There is a wealth of information for you at our insurance reform blog. We are also proud of our 5 Star Google Places reviews. Thank you for visiting our website we look forward to working with you.

Thanks again,

Robert G. Eriksen, President
Personal Health Insurance Broker

Phone: (847) 426-2788

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