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Day 3 – The final day of the Supreme Court’s Helathcare Reform Hearings March 28, 2012

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http://www.washingtonpost.com/politics/on-last-day-of-health-care-hearing-supreme-court-considers-severability-medicaid-expansion/2012/03/27/gIQAv2zkfS_story.html?wprss=

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Day 2 of Supreme Court Healthcare Reform Hearings – Audio and Transcript March 27, 2012

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http://www.lifehealthpro.com/2012/03/27/ppaca-oral-arguments-transcript-and-audio-day-2#.T3JIo9zu6xQ.facebook

Great CNN Article on what the Supreme Court’s decision on healthcare reform will mean March 26, 2012

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http://money.cnn.com/2012/03/26/news/economy/health-reform-mandate/index.htm?hpt=hp_c1

White House Touts State Advances in Implementing PPACA as CLASS-Killer Vote Proceeds | LifeHealthPro January 19, 2012

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White House Touts State Advances in Implementing PPACA as CLASS-Killer Vote Proceeds | LifeHealthPro.

Elimination of Preventive Services Co-Pays September 16, 2010

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One of the key initiatives of the PPACA (the Patient Protection and Affordable Care Act), othewise known by most people as Health Care Reform is the elimination of co-payments for screenings and preventive care. Effective in September 2010, insurance companies may no longer charge its members a co-payment for any preventive service as defined by the United States Preventive Services Task Force, unless the plan has a “grandfathered” status (check with your carrier for information about your particular plan). To see the list of preventive services covere, visit their website at:

SOLUTIONS is now an affiliate of Integrity First August 6, 2010

Posted by solutionsinsuranceservices in Group Insurance, Health Insurance, Individual Insurance.
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In an effort to provide our customers with more support and assistance, and to allow Solutions to expand into other states quickly, we have joined forces with Integrity First Consulting, a national agency.

After assisting our clients in understanding the nuances of health insurance, many of them asked the we help other members of their families. Many of them are spread out to other states which limited our ability to assist. By expanding into other states, we are trying to fulfill our clients request to assist their relatives who live all over the country.

Don’t be surprised if you receive newsletters and other materials from Integrity First (IFC). This is just another benefit to you with this alliance.

Small Business Tax Credits March 24, 2010

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Recently, I’ve received a large number of questions regarding the small business tax credits provision in the new healthcare reform law. Trying to put it in simple terms, the law provides small businesses with NO MORE than 25 employees, and an average annual salary of LESS THAN $50,000 that purchase health insurance for employees, a tax credit. In tax years 2010 through 2013, if the employer pays at least 50% of the employee’s premium, or of a benchmark premium, they will receive a tax credit up to 35% of their share of the premium. You may ask, what is a “benchmark premium?” That is a good questions which, of course, has not been defined as of yet. As soon as I get that answer, I will share it with you.

For those employers with fewer than 10 employees and an annual average salary of less than $25,000, they will receive full credit for any premiums paid on behalf of the employee.

The credits phase out as firm size and wages increase. For those tax exempt small businesses that meet the size and salary requirements of the law, they will receive a tax credit of up to 25% of the employer’s contribution toward the employee’s health insurance premiums.

Things change in 2014, and I’ll report on those changes as we get closer.

The healthcare reform timeline – what will happen when! March 22, 2010

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So everyone is asking about the healthcare reform bill. What does it mean to me? What does it change? When will it happen?

We have the answers for you when it comes to individual and group insurance.

    2010 Changes

1. Small business tax credits become effective for businesses with fewer than 25 employees and average annual wages of less than $50,000. It will credit businesses up to 35% of the portion of the premium that they pay. This amount will increase to as much as 50% by 2014. Small business of less than 10 employees with an average salary of less than $25,000 may qualify for a full credit.
2. All children under the age of 27 can stay on their parents health coverage if they do not have a job that provides them health coverage of their own.
3. Prohibition of pre-existing conditions exclusions for children.
4. Creation of a temporary high risk pool to provide coverage to individuals with pre-existing conditions. Those uninsured for at least 6 months will be eligible to enroll in the high risk pool and receive subsidized premiums.
5. Removal of lifetime caps on coverage.
6. Mandate that all new private plans cover checkups and othe preventive services with no co-pays.

    2011 Changes

1. Drug makers begin paying new fees.
2. Over the Counter drugs are no longer eligible for reimbursement under Healthcare Reimbursement Accounts, Healthcare Savings Accounts for through Flexible Savings Accounts.

    2012 Changes

None

    2013 Changes

Medicare payroll taxes increase for all singles earning $200,000 a year or more and for families earning $250,000 a year or more.

    2014 Changes

1. Nearly all individuals will be required to carry health care coverage or pay a fine.
2. All businesses with 50 or more employees are required to offer health care benefits.
3. State Healthcare Exchanges open for business.
4. Subsidies to help lower income families will begin.