Medicare & Individual

Employers who provide prescription drug coverage to those who are or may become eligible for Medicare Part D, must notify both plan members and CMS on whether the coverage provided is deemed “creditable” or “non-creditable” per the MMA Act of 2003. Creditable coverage means the prescription drug plan is at least as good as the Medicare drug benefit. Read more
In a first step toward repealing and replacing the Affordable Care Act (ACA), the U.S. House of Representatives passed the American Health Care Act (AHCA) May 4, 2017.  On Thursday, June 22, 2017 Republican Senate leadership released a discussion draft bill, “Better Care Reconciliation Act (BCRA) of 2017”. To date the Senate has not been able to pass a  health care bill or a bill that would repeal the Affordable Care Act without replacing it. Unt... Read more
A new law, starting July 1st, establishes Medical Review Panels to address the escalating costs directly attributable to the medical liability climate in Kentucky.  It establishes independent evaluation from medical experts of proposed claims brought against health care providers without limiting, delaying, or denying a patient’s or their family’s access to court.  Medical Review Panels have been employed in other states, including Indiana, to provi... Read more
Recent federal legislation makes it permissible for small employers to reimburse employees for individual health insurance premiums by setting up a Qualified Small Employer Health Reimbursement Arrangement (QSEHRA). Prior to passage of this legislation, the Affordable Care Act subjected employers to substantial penalties if they engaged in this practice. Employers with fewer than 50 full-time employees may now make non-taxable payments to employees for plan year... Read more
Although the program has been around since 2007, Centers for Medicare and Medicaid Services (CMS) have issued a significantly greater number of notices to employers this year expecting assistance in determining if Medicare should be primary or secondary for specific employees, during specific time frames. Read more
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