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Ask the Experts: Executive-Only Medical Plans | CA Benefits Advisors


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Question: Our company offers group medical and dental plans for all employees. We also have an executive-only medical plan that covers out-of-pocket expenses that the regular group plan does not pay. Does COBRA apply to the executive-only plan? Do we have to include it in our summary plan description (SPD)? Answer: The coverage continuation requirements of the

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ACA, Benefit plans, Benefits, Blog, California Benefit Advisors, California Employee Benefits, Communication, DOL, Employees, Employers, ERISA, Health, Health care, Health insurance, HMO, Human Resources, Insurance, MLR

Ask the Experts: Medical Loss Ratio (MLR) Rebates


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Question: Our company received a rebate check from our health insurance carrier. As the employer, we pay the bulk of premiums, although employees who enroll for coverage do pay a portion of the cost. Are there restrictions on how we can use the rebate money? Answer: Yes, there are restrictions on using the rebate. The

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Looking Backward to Plan Forward


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As you look through enrollment options for 2019, remember to look back on 2018. Check out your spending on procedures and prescriptions, and which providers are in your network. This short video will give you some tips on how to plan forward for 2019.

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ACA, Affordable Care Act, Benefits, Blog, Coverage, Employees, Employers, Health, Health insurance, Health plans, Insurance, IRS

Is Your Health Plan Affordable for 2019?


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The Affordable Care Act’s employer shared responsibility provision — often called the employer mandate or “play or pay” — requires large employers to offer health coverage to their full-time employees or face a potential penalty. (Employers with fewer than 50 full-time and full-time-equivalent employees are exempt.) Large employers can avoid the risk of any play

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Benefit plans, California Benefit Advisors, California Employee Benefits, Custom content, Health insurance, Insurance, Life Insurance

Look Backward to Plan Forward


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We have entered Open Enrollment season and that means you and everyone in your office are probably reading through enrollment guides and trying to decipher it all. As you begin your research into which plan to choose or even how much to contribute to your Health Savings Account (HSA), consider evaluating how you used your

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ACA, Affordable Care Act, Benefits, Blog, California Benefit Advisors, California Employee Benefits, Custom content, Employees, Employers, Health, Health insurance, Human Resources

Affordable Care Act Update


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Recently, the President signed a bill repealing the Affordable Care Act’s Individual Mandate (the tax penalty imposed on individuals who are not enrolled in health insurance). While some are praising this action, there are others who are concerned with its aftermath. So how does this affect you and why should you pay attention to this

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