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Understanding Accident Insurance
Photo: Pixabay Whether you suffer a concussion falling off a ladder or dislocate your shoulder moving the couch, injuries can lead to...
Karl J. Ruth Jr.
Jun 16, 20211 min read
Understanding Prescription Drug Pricing Trends
In 2019, the United States spent nearly $370 billion on prescription drugs, keeping trend with significant increases year over year....
Karl J. Ruth Jr.
Apr 1, 20211 min read
CMS Extends Individual SEP
The Centers for Medicare and Medicaid Services (CMS) has extend the Marketplace Special Enrollment Period (SEP) through August 15, 2021....
Karl J. Ruth Jr.
Mar 25, 20211 min read
Surprise Billing From Out-of-Network Providers.
In 2020, two bills were signed into Michigan Law to protect individuals from surprise billing from out-of-network providers. In...
Karl J. Ruth Jr.
Mar 9, 20211 min read
Introducing the new Delta Dental Member Portal
*information provided by Delta Dental of Michigan An exciting technology upgrade is now available to Delta Dental’s clients! The new...
Karl J. Ruth Jr.
Feb 23, 20211 min read
Don’t Delay Preventive Care
The once-a-year checkup has been considered a standard of health care, but many people may be putting off routine appointments during the...
Karl J. Ruth Jr.
Feb 18, 20211 min read
Upcoming COVID-19 2021 Special Enrollment Period
Beginning February 15, 2021, the federal Marketplace will open a Special Enrollment Period, which will allow new consumers as well as...
Karl J. Ruth Jr.
Feb 12, 20211 min read
Biden Opens ACA Enrollment For Three Months
President Biden ordered Thursday (01/28/2021) the reopening of the Affordable Care Act’s federal insurance marketplaces for three months...
Karl J. Ruth Jr.
Jan 29, 20212 min read
Encouraging Employees to Use Telehealth Services
As COVID-19 cases continue to surge across the country amid flu season, telehealth services offer access to quick, convenient and...
Karl J. Ruth Jr.
Jan 26, 20211 min read
Do You Qualify for a Special Enrollment Period (SEP)?
On March 1, 2020, the Federal Emergency Management Agency (FEMA) declared a national emergency due to the Coronavirus Disease 2019...
Karl J. Ruth Jr.
Jan 22, 20213 min read
Non-grandfathered Plans Must Cover COVID-19 Vaccine Without Cost-sharing Beginning in 2021
On December 11, 2020, the Food and Drug Administration (FDA) issued an Emergency Use Authorization (EUA) for Pfizer Inc.’s COVID-19...
Karl J. Ruth Jr.
Jan 19, 20211 min read
Final Rule Allows Greater Flexibility for Grandfathered Plans Under the ACA
On December 15, 2020, the Departments of Labor, Health and Human Services and the Treasury (Departments) published a final rule that...
Karl J. Ruth Jr.
Jan 13, 20211 min read
Employee Benefits Plan Limits for 2021
Many employee benefits are subject to annual dollar limits that are periodically updated for inflation by the IRS. The IRS typically...
Karl J. Ruth Jr.
Dec 17, 20201 min read
Final Rule on Health Care Transparency Issued
The Departments of Labor (DOL), Health and Human Services (HHS) and the Treasury (Departments) issued a final rule that imposes new...
Karl J. Ruth Jr.
Dec 14, 20201 min read
Don’t Protect Yourself from a Long-Term Care Event. Protect Your Family from You.
Guest Blogger: Erich Dyer (Dyers Group) Michael is in his late 70’s and lives with his wife Mary, also in her late 70’s. They walk at...
Karl J. Ruth Jr.
Dec 8, 20204 min read
Summary of the 2020 Employer Health Benefits Annual Survey
Each year, the Kaiser Family Foundation and the Health Research & Educational Trust conduct a survey to examine employer-sponsored health...
Karl J. Ruth Jr.
Nov 24, 20201 min read
Employers Have Flexibility with Contraceptive Coverage Plan Designs
In July, the U.S. Supreme Court upheld expanded exemptions to the ACA’s contraceptive mandate. Under these exemptions, plan sponsors that...
Karl J. Ruth Jr.
Sep 8, 20201 min read
“Supreme Court to Hear Arguments in Lawsuit Challenging ACA’s Constitutionality This Fall”
This fall, the U.S. Supreme Court is expected to hear oral arguments in Texas v. Azar, the lawsuit arguing that the Affordable Care Act...
Karl J. Ruth Jr.
Aug 20, 20201 min read
2021 HSA Contribution Limits & HDHP Requirements
In Revenue Procedure 2020-32, the IRS released the 2021 inflation-adjusted figures for contributions to HSAs. Most items are set to...
Karl J. Ruth Jr.
May 28, 20201 min read
Best Practices for Addressing the COVID-19 Pandemic
@ajmbenefits As the number of U.S. COVID-19 cases grows daily, employment is rapidly changing. While local governments temporarily adjust...
Karl J. Ruth Jr.
May 21, 20201 min read
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