Current and Past Articles

Many sponsors of fully insured health plans either already have or will soon receive checks from their insurance carriers, along with a notice informing them that the review is a medical loss ratio (MLR) rebate. Plan sponsors should receive these checks by September 30, 2023. The MLR rules implemented as part of health care reform are designed to ensure that insurance carriers spend no more than a specified percentage of premiums collected on overhead-type expenses. Carriers must issue a rebate check when this percentage is exceeded.

Leaders can sometimes feel the weight of the world on their shoulders as they face pressure to manage both the present and the future. They must perform and deliver short-term results in the present while prioritizing transformation and reimagining the company’s forward growth.

With the ongoing issue of Medicaid redetermination taking place across the nation, the Centers for Medicare & Medicaid Services (CMS), the Treasury, and the Department of Labor (collectively, the Agencies) are strongly encouraging group health plan sponsors to extend special enrollment periods for individuals who are losing coverage under Medicaid and the Children’s Health Insurance Program (CHIP). This request is not mandatory for employers, and there are significant compliance considerations for employers that extend the enrollment window for this population.

Aside from being able to run long, grueling distances, marathon runners have something else that makes them extraordinary—to keep going, running, and training despite the aches, pains, and exhaustion they may feel along the way. They have the insight to know when to rest and heal, and when to push themselves to go farther. While they celebrate the small wins, they always keep their eye on the goal, and return again and again until they reach it.

Join Q4intelligence and Jennifer Berman of MZQ Consulting for a webinar on August 28, 2023, with an overview of the latest updates in employee benefits!

  On Tuesday, July 25, the federal Departments of Health and Human Services, Labor, and Treasury (“the Departments”) introduced a much-anticipated update to current regulations dealing with the Mental Health Parity and Addiction Equity Act (MHPAEA). These newly proposed regulations continue to shine a bright light on the need for…