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DOL Releases 3 New Model Notices

The Dept. of Labor has released 3 new model notices in regards to the PPACA which can be found here along with more information.

Model notice for employers who offer a health plan to some or all employees

Model notice for employers who do not offer a health plan

New COBRA Model Election Notice

 

WestLake Financial Group, Inc.

1477 Barclay Blvd

Buffalo Grove, IL  60089

888-WESTLAKE

Is Your Company Offering a Wellness Program?

 

Employers Ignoring PPACA Wellness Incentives

 

WestLake Financial Group, Inc.

1477 Barclay Blvd

Buffalo Grove, IL  60089

888-WESTLAKE

Wellness Rules

 

Final ACA Wellness Rules Issued

 

WestLake Financial Group, Inc.

1477 Barclay Blvd

Buffalo Grove, IL  60089

888-WESTLAKE

Wellness to Help Meet Minimum Affordability?

 

Were you planning on using your wellness plan to help meet the minimum affordability requirements under the PPACA?  Not so fast:

New Obamacare Rules Deal Big Blow to Employers

 

WestLake Financial Group, Inc.

1477 Barclay Blvd

Buffalo Grove, IL  60089

888-WESTLAKE

How would your Wellness Program fare in the press?

Poor CVS/Caremark made the news with a negative slant towards their wellness program.  All they want to do is encourage their employees to be healthy, right?  This article questions the “voluntary” aspect of the wellness program due to their $50/month incentive.  Discrimination through wellness programs is permitted as long as the program is a voluntary one, among other requirements under HIPAA.  However, “voluntary” is not specifically defined in regulatory guidance and so it remains to be seen if the government steps in and dictates at what level an “incentive” crosses the line between voluntary and coercion.  This guidance would likely be the domain of the ADA & the EEOC.

Read the article here:

http://bostonherald.com/business/healthcare/2013/03/cvs_presses_workers_for_medical_information

Healthier at Work

11 Easy Ways to be Healthier at Work:

http://www.inc.com/geoffrey-james/11-easy-ways-to-be-healthier-at-work.html

 

WestLake Financial Group, Inc.

1477 Barclay Blvd

Buffalo Grove, IL  60089

888-WESTLAKE

Addicted to Unhealthy Food?

This article below may help you realize just why you’re so craving that cheeseburger and fries:

http://ebn.benefitnews.com/gallery/ebn/4-reasons-unhealthy-eating-can-be-addictive-2731350-1.html?ET=ebnbenefitnews:e6386:2498605a:&st=email&utm_source=editorial&utm_medium=email&utm_campaign=EBN_inBrief_030713

 

WestLake Financial Group, Inc.

1477 Barclay Blvd

Buffalo Grove, IL  60089

888-WESTLAKE 

Wellness Data

What are you doing with the results of your Wellness Data? Are you even getting the data on the results? This is a great article on getting that information from your administrator:

http://ebn.benefitnews.com/gallery/ebn/carriers-mars-employers-venus-responses-health-information-2731173-1.html?ET=ebnbenefitnews:e6347:2498605a:&st=email&utm_source=editorial&utm_medium=email&utm_campaign=EBN_inBrief_030413

 

WestLake Financial Group, Inc.

1477 Barclay Blvd

Buffalo Grove, IL  60089

888-WESTLAKE 

Tobacco use: Where to draw the line?

Under Obamacare, who even counts as a tobacco user?

By Sarah Kliff , Updated: February 19, 2013

There’s a big debate happening in the states right now over whether to allow insurance companies to charge tobacco users a 50 percent premium surcharge under Obamacare — you can read more about that in my story in today’s paper.

There’s an equally important debate happening here in Washington, one that I wasn’t able to spend much time on in that article: Figuring out who counts as a tobacco user in the first place. A smoker who goes through a pack a day likely fits the bill, but what about one who only smokes the occasional cigarette in the bar? The person making a quit attempt? The user of e-cigarettes?

Read more:  http://www.washingtonpost.com/blogs/wonkblog/wp/2013/02/19/under-obamacare-who-even-counts-as-a-tobacco-user/?wprss=rss_ezra-klein