Although the employer mandate penalties of the Affordable Care Act (ACA) have been delayed until 2015, many other pieces of the ACA take effect this year, in 2014. For example, the prohibition on pre-existing condition exclusions, the out-of-pocket limits, and the prohibition on annual or lifetime limits for essential health benefits are all effective for […]
With all that is going on with the Affordable Care Act (ACA) and whether and to what extent employers have to offer insurance to their employees, many employers may not be paying much attention to how their Employee Assistance Programs (EAPs) fit within the ACA. Ignorance is bliss, for now. However, employers should begin to […]
Limited Wraparound Coverage is an interesting new concept brought mainstream by the Departments in proposed rules that were published just before the New Year. In the few weeks since, lawyers and consultants have weighed in with summaries of the proposed rules. The question remains, however, just who is this excepted benefit designed to benefit? On […]
