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Scott Nitowski

Scott Nitowski

Monday, 16 December 2019 08:30

Benefit Topics to Watch

At Fall River we’re always keeping our eyes on hot topics in the benefits world. As 2019 closes out, we are bringing you news on three potential developments: legislation preventing surprise hospital bills, the Texas v U.S. court case regarding the validity of the ACA, and the potential for a paid parental leave policy for federal workers. 

Evaluating your current benefit plans with the intent to attract and retain top talent is more crucial than ever. Benefits benchmarking gives employers the chance to compare their current plans and contribution strategy to that of the competitors. Fall River helps our clients understand how they stack up, and we will soon be sharing a new benchmarking document. When was the last time you measured your benefits package against other Colorado employers?

Friday, 19 July 2019 09:47

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.

While the legislative session in early 2019 included proposals in civil rights, economic security, and educational programs, there was also a large focus on healthcare initiatives. Coloradans continue to express concern about the affordability and access to quality healthcare coverage, and the state legislators believe they are making important strides toward addressing these challenges. 

Is your organization looking to implement a workplace wellness program? Has your company's wellness program faded or become stale? If so, now is the perfect time to design, reclaim and refresh your wellness program. As a part of our continued webinar series, we’ll be focusing on the challenges of implementing and sustaining powerful wellness programs.

When an employee’s Group Life insurance plan ends, due to termination from the company or for other reasons, they don’t have to be left unprotected. Ex-employees are usually able to convert and/or port their coverage with the same Life carrier, but employers often are unaware of their obligations to the participant.

Monday, 28 January 2019 12:14

Compete for Talent with Unique Benefits

Today’s job market is extremely competitive, and it can be difficult for employers to find the most talented workers. A company’s benefit package can make one employer stand out over another, and offering additional fringe benefits could be the crucial difference in attracting and retaining top talent.

The Trump Administration recently proposed a plan that could potentially cut pricing for pharmaceuticals through Medicare Part B. Attempts to lower these costs is nothing new, and the Obama administration had proposed something similar before he left office, with little success.  

On July 25, 2018, the House of Representatives passed two health care bills, H.R. 6199 and H.R. 6311, that would make significant changes to Health Savings Accounts (HSAs), Flexible Spending Accounts (FSAs) and Health Reimbursement Arrangements (HRAs). Republicans are pushing to expand HSA usage with a number of Democrats leaning toward supporting these bills as well. Both bills would still need at least 60 votes from the Senate to go into place, which may not be possible before the end of this Congressional session in December.

The expansion of Association Health Plans (AHPs) has arrived. The U.S. Department of Labor announced regulations that will allow these plans to become effective as early as September 2018. AHPs allow small business to band together to purchase health insurance. Continue reading to understand whether these Association Health Plans might be a fit for your organization. 

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