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What You Need to Know Before You Need to Know it

The health insurance and group benefits landscape is complicated. Rather than just trying to keep up on changes ourselves, we pride ourselves on being the ones out there on the forefront educating employers about changing regulations and the latest healthcare cost containment techniques. We typically conduct six webinars a year that are free for employers to attend, and publish at least three educational articles each month right here on this site, bringing you tips and tactics to manage your employee benefit plan more successfully.

We also regularly speak at public seminars sponsored by the Mile High and Boulder Area SHRM chapters, Mountain States Employers Council, the Colorado CO-SHRM conference, the Denver Metro Chamber of Commerce, and more– and all those events will be published here as well.

Check back regularly for update as you navigate your current healthcare challenges.


Recent Blogs

  • The Expanded HRA Rules

    In June, the Trump Administration issued new rules expanding the function of Health Reimbursement Arrangements (HRA) in an attempt to provide employers additional options for providing health coverage.  These rules, which will go into effect in January 2020, create two new ways to offer pre-tax dollars for purchasing health coverage: the Individual Coverage HRA (ICHRA) and the Excepted Benefit HRA (EBHRA).

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  • Should Employers Opt in to Offering Opt-Out Benefits?

    Employers are often considering ways to enhance their benefits packages and attract great employees. Some employers might increase their contributions towards the health plans or 401(k) matching contributions, but another option is to offer an opt-out payment for those employees waiving the company-sponsored health coverage. At Fall River we are asked about this option frequently, and we continue to evaluate the pros and cons as well as the rules of doing so.

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  • Saving Money with Direct Primary Care

    Direct Primary Care (DPC), aka “concierge medicine,” is an alternative provider payment model gaining traction with employers who are tired of high health insurance rates and their employees not receiving the care they need. Instead of billing the insurance carrier for routine care, DPC providers usually charge a monthly flat fee which allows the member access to unlimited routine services such as laboratory services, same-day or next-day appointments, and sometimes even house calls. The savings generated by this model can certainly benefit companies, especially those that are self-funding their plans.

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  • Don’t Forget to Submit Your PCORI Fees by July 31st

    The Patient Centered Outcomes Research Institute (PCORI) fee is due July 31, 2019 for employers with any type of self-funded plan and/or a Health Reimbursement Arrangement. The fee helps fund unbiased research that evaluates the clinical effectiveness of medical treatments regardless of the profit potential. This fee is also known as the Comparative Effectiveness Research Fee, or CERF.

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  • HSA Contribution Limits for 2020 and Common HSA Questions

    The IRS recently announced the changes to the contribution limits for High Deductible Health Plans (HDHPs) and Health Savings Accounts (HSAs) in 2020. Also in this article, we’ve answered some of the most common questions we receive on HSAs. See if you know the answers before you read ours! 

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