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Juliet Fitzgibbons

Juliet Fitzgibbons

Juliet joins Fall River as an Account Executive and brings over 15 years of prior broker and account management experience. Her experience brings extensive knowledge on employee benefit programs, account management and creative cost-saving strategies and compliance solutions for employers of various sizes.

She is responsible for new business proposals, client renewals including plan benchmarking, rate analysis and mid-year reviews. She helps clients navigate healthcare systems and educates employers and employees through open enrollment meetings and day-to-day service requests. Juliet joined Fall River in 2015.

Friday, 20 September 2019 13:36

Tips for a Successful Benefits Renewal

Another year has zoomed by and 2020 will be here before we know it! For many employers, the end of the year means another renewal season. Even if your company does not renew on January 1, our tips for a successful renewal will help guide you to success! 

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.

Friday, 10 May 2019 11:27

Not All Surprises are Good

Over the past year, Fall River has seen an increase in a provider practice called “surprise medical billing” or “balance-billing.” Out-of-network providers will bill the patient even though they were seen at an in-network hospital and had no choice in who they were treated by. We have been anxiously awaiting legislation that would better-protect patients, and in early May Colorado lawmakers passed the Out-of-network Healthcare Services bill to address this issue.

Medicare for All is a universal health care model (also known as single-payer plan) which has been developed and promoted in the past few years by Senator Bernie Sanders. This latest version is even broader, with the intent being to help more Americans access health care, especially those that are not in a traditional employment environment.

California has recently passed a new anti-harassment law that applies to employers with employees that live or work in California, regardless of what state the employer is based. SB 1343 was signed by Governor Brown, which requires employers with five or more total employees to provide sexual harassment training to all California employees (both supervisory and non-supervisory) by January 1, 2020.

On November 29th, the IRS announced an extension for furnishing 2018 IRS Forms, 1095-B and 1095-C to employees from January 31, 2019 to March 4, 2019 (IRS Notice 2018-94).

The extension, however, does not extend the due date for employers, insurers, and other providers of minimum essential coverage to file 2018 Forms (such as 1094-B, 1095-B, 1094-C and 1095-C) with the IRS. The filing due date for these forms remains February 28, 2019 for paper transmittals, or April 1, 2019, if filing electronically.

Fall River clients have complimentary access to HR360, a comprehensive online Human Resources portal designed to help you comply with employment and benefit laws in all 50 states. With HR360, you’ll find easy, step-by-step guidance on a broad range of laws and policies. Even non-clients can check it out at no cost! Learn how HR360 can make your life easier!

Employers with 15 or more employees whose wellness program include biometric testing or health risk assessments (HRAs) may need to reconsider their wellness incentives, as changes to the rules governing either of these wellness plan features go into effect January 1, 2019. 

When consumers need to access emergency health care services, they usually do not have the time nor presence of mind to determine whether a provider treating them is in-network or not. When those emergencies expose them to out-of-network providers, the provider or facility may “balance bill” the consumer for amounts beyond what the insurer paid. This out-of-network balance billing can create financial burdens and undermine the consumer’s confidence that health insurance will protect them from financial hardship.

Fall River has been growing in recent years, and we’re still looking for more awesome clients like you! In your network, we know you are connected to some great people and, so we wanted to roll out the details of our new referral program! 
 
First, thank you to Kyle Covell of Censeares Consulting for referring us to a contact of his who needed health insurance brokerage services, and received a reward for doing so! We’d like to return the favor and share that we’ve known Kyle for many years, and as a fractional CFO he can be a trusted and integrated partner in your business. He can lead your entire finance and accounting needs, freeing you to focus on growing your business. Learn more about Kyle here.

To better understand how to best connect us with potential customers and get rewarded ....
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