Medical Loss Ratio: What does it mean?

By MooreBenefits | Nov 28, 2011

If you’re an employer, you probably saw a rise in healthcare costs this year, but the rise for 2012 is lower than it has been. One reason may be the Medical Loss Ratio (MLR) provision of Healthcare Reform that requires insurers to spend at least 80-to-85 percent of premium dollars on healthcare services and healthcare…

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Long-Term Care: Who’s Footing the Bill?

By MooreBenefits | Nov 8, 2011

How many of you have health insurance? Life? Disability? What about long-term care insurance? Considering that half the money you will spend on medical care for your lifetime is spent in the last two-to-three years of life, overlooking long-term care coverage can be financially devastating. Long-term care provides personal assistance when someone can no longer…

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Health Care Reform Update May 2011

By MooreBenefits | Apr 29, 2011

Last week, President Obama signed the Comprehensive 1099 Taxpayer Protection and Repayment of Exchange Subsidy Overpayments Act of 2011. This new law repeals both of the expanded 1099 reporting requirements mentioned above and allows the 1099 rules previously on the books to remain unchanged.

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California Health Benefit Exchange in 2014

By MooreBenefits | Nov 22, 2010

Certain employers with more than 50 full-time equivalent employees (“FTE”) will be required to pay a penalty if they do not offer “affordable” health insurance to employees, and at least one of their employees receives a premium credit in the Exchange.

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Reminder – Things you need to know now for health care reform

By MooreBenefits | Jul 28, 2010

Determine if your health plan discriminates in favor of highly compensated individuals, and if so, read the next section about “grandfathered plans”.

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New Benefit Plan Requirements for 2010–Are You Up-To-Date?

By MooreBenefits | May 17, 2010

With all the focus on health care reform, it is easy to lose track of all the OTHER new laws that affect employee benefits.  A number of new federal laws and regulations were enacted and adopted in 2008 and 2009 that will have 2010 compliance implications for many employers.  Here’s an overview of new requirements…

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Health Care Reform – Small Business Tax Credits

By MooreBenefits | Apr 5, 2010

Group health insurance already has protections for guaranteed coverage, pre-existing conditions, and the inability to cancel your coverage if you become sick. The same cannot be said for individual and family plans.

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Moore Benefits on CNBC

By MooreBenefits | Feb 5, 2010
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Update on Health Care Reform

By MooreBenefits | Feb 5, 2010

Even though the federal version of health care reform is stalled, the states are still working on these issues. After a lengthy and heated debate, the California Senate last week passed a single-payer bill. As with past incarnations, the bill passed on a party-line vote. Previous attempts to advance single-payer legislation have been vetoed by…

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States Consider Their Own Health Reform Ideas

By MooreBenefits | Feb 4, 2010

Medical News Today covers some news about states considering their own health reform ideas.

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