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Archive for the ‘Customer News Letter’ Category

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

Wednesday, 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

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

Wednesday, 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

Wednesday, 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

Friday, 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

Thursday, 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

Without Trump and GOP, ObamaCare premiums would fall

Friday, 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

Wednesday, 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

Wednesday, 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

National Flood Insurance Program(NFIP) follow up

Tuesday, July 31st, 2018

  NFIP Extended until November 30, 2018 Today Congress approved an extension of the National Flood Insurance Program (NFIP) which was set to expire on July 31. This latest program extension ensures that the program will continue to operate with full authority until November 30, 2018. From now until November 30, 2018, Congress will work to reach consensus to pass a…Read More

How Telemedicine Is Redefining Healthcare Risk

Friday, July 27th, 2018

Telemedicine, which usually involves a doctor or other medical professional providing care to a patient via video conferencing, is rapidly gaining acceptance. The implications of this development are many, not the least of which is the pressure on risk managers to identify telemedicine-related exposures and devise a strategy for mitigating them. The following Q&A will…Read More

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