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Tonya Young

Tonya Young

Tonya is our Senior Account Manager and brings eleven years of prior insurance company expertise to Fall River, having worked at Anthem Blue Cross and Great-West Healthcare (now part of CIGNA). Tonya holds a Bachelor of Science in Psychology from Texas A&M University. Originally from Minnesota, she loves the Colorado outdoors and enjoys family time with her young daughter.

There’s no question that great technology can propel an organization forward, and we’ve worked with many companies that are either looking to implement new HRIS software or change to a platform that better suits their business needs. The rewards of improving your technology are high, but the challenges can be numerous as well. How do you effectively vet, select, and implement the right system for your organization while minimizing the headaches? 

Tuesday, 12 March 2019 15:52

Top Tips When Mixing FSAs and HSAs

As most employers know, employees who have a traditional copay-style plan can be eligible for a Flexible Spending Account (FSA) plan to cover medical expenses pre-tax. But, If the employer instead offers a High-Deductible Health Plan or HDHP, employees can contribute into a Health Savings Account (HSA) on a pre-tax basis.

But what happens when the employer offers both a copay-style plan and an HDHP?

Friday, 15 February 2019 14:44

We’ve Got Your Back!

As you know, Fall River specializes in brokering group healthcare policies for our valued clients. However, we realize that benefits are just one component of your Human Resources obligations. We have spent many years cultivating solid relationships with trusted strategic partners in other areas of your business operations.

Monday, 10 December 2018 12:09

Top Four Wellness Plan Tips for 2019

Most Employers running a wellness program already have their 2019 game plan in place. For those that don’t, or if you are just starting to implement a program, here are some top thoughts and trends to consider.

Monday, 12 November 2018 08:35

Fall River is growing!

We are very excited to announce our incredible growth in the past few years, and the addition of two new professionals to our amazing team!

Monday, 24 September 2018 15:05

The Fate of ACA Depends on a Texas Courtroom

The partisan battle over the Affordable Care Act (ACA) heated up once again during the first week of September, when Judge Reed O’Connor in Fort Worth, Texas heard arguments from Republican attorneys general stating that the ACA is unconstitutional.  Although it may take a few weeks or even months for the judge to render his decision, the healthcare industry continues to speculate about the potential implications for the market, individuals, and employer group plans.  The crux of the issue is around the individual mandate and the preexisting condition protections that the ACA introduced.

Friday, 24 August 2018 10:30

Healthcare Claims Get Even More Confusing

At Fall River we are committed to helping our members understand their health benefits and provider bills. We know that navigating the benefits world can be confusing, and unfortunately, we are seeing more and more claims situations that prove it’s getting ever more complicated. 

Here are recent examples of some complex and downright outrageous claims issues we want you and your members to be aware of.

If you have a self-funded or partially self-funded plan (including all “Level Funding” plans), you need to know about New York State’s Health Care Reform Act (HCRA) of 1996, even if you don’t have employees in New York. The HCRA, which still applies today, was created to generate funding for a wide variety of health care initiatives in the state, and requires providers of health care services and Third Party Administrators (TPAs) to participate in that funding. In 1997, the State created the New York Public Goods Pool to collect funds for those initiatives and for indigent care in the state. 

Monday, 16 April 2018 15:08

HIPAA Compliance Made Easy

HIPAA is an important guideline for employers, health care practitioners, and insurance companies to follow. Since the fines for non-compliance can be in the tens of thousands of dollars, it’s imperative that employers pay attention to their obligations in keeping employees’ information private.

In 2014, Colorado legalized same sex marriage, which allowed a spouse of either gender to be a qualified dependent for benefits. Domestic partnership is still a different situation. A domestic partner is defined as an employee’s unmarried partner who lives with them and is of the same or opposite sex. The definition of an eligible dependent for benefit plans may vary depending on the employer and carrier definitions, so it’s important to check in your carrier documents. 

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