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Advisors created a game plan to prepare client for this retirement expense

May 22nd, 2019

KEY POINTS 1: Someone turning 65 today faces a nearly 70% chance of needing long-term-care services during their remaining years, according to government data. 2: Some advisors recommend a hybrid solution — a life insurance policy combined with long-term-care  coverage. 3: Self-insuring, which means relying on your own assets if and when you face paying…Read More


May 10th, 2019

Here are a few tips that can help your organization both maintain code compliance and ensure workplace safety: Inspect walkways and parking lots. Look for potholes, depressions and uneven walkways or wheel stops in parking spaces that need repairing. Provide proper marking for changes in elevation and parking spaces. Help prevent slips, trips and falls….Read More

Judge who struck down ObamaCare says it will remain in place during appeal process

January 2nd, 2019

The federal judge who struck down ObamaCare earlier this month issued an order on Sunday saying it will remain in place during the appeal process. U.S. District Court Judge Reed O’Connor ruled several weeks ago that the Affordable Care Act’s (ACA) individual mandate is unconstitutional. Because the mandate cannot be separated from the rest of the law, the rest of…Read More

Affordable Care Act enrollment set to open; more options in some places

October 31st, 2018

The open enrollment period for millions of Americans seeking health insurance for 2019 through the Affordable Care Act begins Thursday. The enrollment period allows people who don’t have coverage through a job, Medicare, Medicaid, the Children’s Health Insurance Program or another source to sign up for health insurance on HealthCare.Gov’s Health Insurance Marketplace. The period…Read More

CMS says health insurance premiums down by 1.5 percent under ACA

October 12th, 2018

CMS takes credit for introducing waivers and a reinsurance program for insurers to submit high-cost claims into a risk pool. The Centers for Medicare and Medicaid Services announced today that, for the first time since Affordable Care Act plans began to be offered through the federal exchange, premium rates have decreased. Premium rates for a…Read More

DOJ gives preliminary approval to CVS merger with Aetna, potentially changing how consumers access health care

October 11th, 2018

The Justice Department has given preliminary approval for CVS’ $69 billion merger with Aetna. The two companies cleared their path to approval when Aetna announced Sept. 27 that it reached an agreement to sell its Medicare Part D drug plan business. The DOJ recently cleared health insurer Cigna’s acquisition of pharmacy benefits manager Express Scripts.The…Read More

LTC Benefits Creep Into 2019 Medicare Advantage Plans

October 9th, 2018

Medicare Advantage plan issuers seem to be taking a quiet, careful approach to adding home- and community-based long-term care (LTC) benefits for 2019. About 1.5 million of the 2019 enrollees, or 7.5% of Medicare Advantage plan enrollees, may have access either to support services in the home or community, or to extra benefits designed to help enrollees cope…Read More

Without Trump and GOP, ObamaCare premiums would fall

August 3rd, 2018

ObamaCare premiums would likely be decreasing next year if the Trump administration and congressional Republicans had left the law alone, according to a new study. The analysis from Matt Fiedler at the Brookings Institute found premiums would be 4.3 percent lower in a “stable policy environment” — meaning certain ObamaCare rules like the individual mandate were still in place,…Read More

Medicare Part D premiums on two year decline with projected drop in 2019, CMS says

August 1st, 2018

According to the Centers for Medicare & Medicaid Services, the average basic premium for a Medicare Part D prescription drug plan is slated to drop again in 2019. Basic Part D premiums are forecasted to fall from $33.59 this year to $32.50 next year, the agency said. “President Trump and Secretary Azar have made clear…Read More

Trump administration to allow renewable, short-term insurance that lasts up to a year

August 1st, 2018

The Trump administration will finalize a rule on Wednesday that expands access to health insurance policies that skirt many of the Affordable Care Act’s regulations. The rule would allow people to buy short-term, limited-duration health coverage that lasts up to 12 months and renew that coverage for a maximum period of 36 months. Insurers can…Read More

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