News

Religious Objections to Covering Contraceptives

September 11 | 2017
By: Linda Rowings
Chief Compliance Officer at United Benefit Advisors

On August 22, 2014, the Departments of Health and Human Services (HHS), Labor, and Treasury released an interim final rule and a proposed rule that provide some new accommodations to employers that have religious objections to covering contraception under their group health plans. The agencies also released a fact sheet on the rules and an […]

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Small Employers Keep Pace With Larger Firms In Containing Healthcare Costs

September 6 | 2017
By: Amanda Eisenberg

Small employers are doing a better job than large companies when it comes to containing healthcare costs, according to a new report from health insurance agency United Benefit Advisors. The special report, “Small Businesses Keeping Pace with Nationwide Health Trends,” found that employers with less than 100 employees are keeping pace with the average employer […]

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What You Need to Know about Health Flexible Spending Accounts

September 6 | 2017
By: Danielle Capilla
Chief Compliance Officer at United Benefit Advisors

A health flexible spending account (FSA) is a pre-tax account used to pay for out-of-pocket health care costs for a participant as well as a participant’s spouse and eligible dependents. Health FSAs are employer-established benefit plans and may be offered with other employer-provided benefits as part of a cafeteria plan. Self-employed individuals are not eligible […]

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Survey: Small Businesses Keeping Pace with Health Benefits Offered by Employers Nationwide

August 30 | 2017
By: Bill Olson
Chief Marketing Officer at United Benefit Advisors

Small employers, those with fewer than 100 employees, have a reputation for not offering health insurance benefits that are competitive with larger employers, but new survey data from UBA’s Health Plan Survey reveals they are keeping pace with the average employer and, in fact, doing a better job of containing costs. According to our new […]

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Strategic Benefits Communication: Five key steps to success this open enrollment season

August 17 | 2017
By: Kevin D. Seeker
Sun Life Financial, A UBA Strategic Partner

In previous posts, I have talked about several aspects of strategic benefits communication. Now it’s time to put those strategies into action. As we approach enrollment season, let’s look at five key steps to ensuring this year’s open enrollment is successful for you and your employees. 1. Determine your key objectives What do employees need […]

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What Employers Need to Know about the Senate Proposed Healthcare Bill

July 5 | 2017
By: Danielle Capilla
Chief Compliance Officer at United Benefit Advisors

On June 22, 2017, the United States Senate released a “Discussion Draft” of the “Better Care Reconciliation Act of 2017” (BCRA), which would substitute the House’s House Resolution 1628, a reconciliation bill aimed at “repealing and replacing” the Patient Protection and Affordable Care Act (ACA). The House bill was titled the “American Health Care Act […]

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HSA and Employer Responsibilities

May 25 | 2017
By: Vicki Randall
Compliance Specialist at Compliancedashboard, a UBA Certified Solution

It’s no secret that one of the primary agenda items of the new Republican administration is to repeal the Patient Protection and Affordable Care Act (ACA) and to sign into law a plan that they feel will be more effective in managing health care costs. Their initial attempt at a new plan, called the American […]

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Factor Emerging Trends, Generational Needs Into Wellness Program

May 23 | 2017
By: Jennifer Jones
Population Health Strategist at LHD Benefit Advisors, a UBA Partner Firm

Your wellness program seems to have it all – biometric screenings, lunch and learns, and weight loss challenges. So, why do you struggle with engagement, or to see any real results? While traditional wellness components are still a large part of plans today, emerging trends, coupled with generational differences, make for challenges when designing an […]

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Fringe Benefit Analysts Awarded “Small Business of the Year”

February 17 | 2017
By: Scott E. Deru RHU, REBC
President of Fringe Benefit Analysts, LLC.

On Friday, February 3, 2017, the Ogden-Weber Chamber of Commerce held it’s 100th Year Awards Dinner Gala. Fringe Benefit Analysts was one of three finalists for the 2017 “Small Business of the Year” based on criteria of business growth, involvement in the community and participation in the Ogden-Weber Chamber of Commerce. It is exciting to […]

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Deru Named Chairman of the Board of United Benefit Advisors

January 23 | 2017
By: Scott E. Deru RHU, REBC
President of Fringe Benefit Analysts, LLC.

Chicago, IL – Scott Deru, RHU, REBC was named Chairman of the Board of Directors of United Benefit Advisors (UBA) in addition to representing the West Region. UBA is an international organization with over 200 offices in the United States, Canada and Great Britain. UBA is the nation’s leading organization of independent benefit advisors who […]

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Handling of Retaliation Complaints under Section 1558 of the Affordable Care Act

January 12 | 2017
By: Nancy Bourque
HR Practice Leader at United Benefit Advisors

The Occupational Safety and Health Administration (OSHA) recently released a final rule on the procedures for the handling of whistleblower complaints under Section 1558 of the Patient Protection and Affordable Care Act (ACA). The regulations protect employees (which includes former employees and applicants for employment) who may have been subject to retaliation for seeking assistance under certain […]

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Identify and Evaluate the Impact of Your Wellness Program

January 5 | 2017
By: Mary Delaney, MSPT, CWP
Managing Director for Vital Incite, A UBA Partner-Provided Solution

Measuring program value, or return on investment, is critical and imperative in managing a healthy wellness program. Further, clearly identifying and objectively evaluating the impact helps keep the vendor focused on what is critical for the employer. If these programs are not having the impact intended, then the cost of those services is only adding […]

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Emphasis on Consumerism in Health Care Expected Post 2016 Elections

January 4 | 2017
By: Michael Weiskirch
Principal & Founder, Health Cost Manager, A UBA Certified Solution

I really need to stop spending so much time reading the news. I subscribe to several news aggregators, plus a number of content sources: blogs, industry experts and other publications. I pore through news about politics, world affairs, and information related to HR, benefits, and technology – the field I work in. I sometimes do […]

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Interim Final Regulation on Maximum Civil Monetary Penalties

December 29 | 2016
By: Danielle Capilla
Chief Compliance Officer at United Benefit Advisors

The Department of Health and Human Services (HHS) recently issued interim final regulations that adjust for inflation the maximum civil monetary penalties (CMP) that fall under HHS’s jurisdiction. The regulations reflect changes required by the Federal Civil Penalties Inflation Adjustment Act Improvements Act of 2015 (the Act). Adjustments under the Act were effective on August […]

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Regulations Regarding Short-Term Limited-Duration Insurance, Excepted Benefits and Lifetime/Annual Limits

December 27 | 2016
By: Danielle Capilla
Chief Compliance Officer at United Benefit Advisors

Recently, the U.S. Department of the Treasury, Department of Labor (DOL), and Department of Health and Human Services (HHS) (collectively the Departments) issued final regulations regarding the definition of short-term, limited-duration insurance, standards for travel insurance and supplemental health insurance coverage to be considered excepted benefits, and an amendment relating to the prohibition on lifetime […]

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FAQs on Tobacco Cessation Coverage and Mental Health/Substance Use Disorder Parity

December 20 | 2016
By: Danielle Capilla
Chief Compliance Officer at United Benefit Advisors

Recently, the Department of the Treasury, Department of Labor (DOL), and Department of Health and Human Services (HHS) (collectively, the Departments) issued FAQs About Affordable Care Act Implementation Part 34 and Mental Health and Substance Use Disorder Parity Implementation. The Departments’ FAQs cover two primary topics: tobacco cessation coverage and mental health / substance use […]

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The Impact of Wearable Devices in the Healthcare Industry

December 14 | 2016
By: Kaycee Eaton
Assistant Population Health Strategist for Vital Incite, LHD Benefit Advisors, a UBA Partner Firm

Wearable fitness devices have been a hot topic in health and wellness for a few years now, but what kind of impact have wearables really had on improving health outcomes? Wearable fitness devices can be used to track physical activity, sleep, heart rate, and even provide on-screen workouts. They are most often paired with a […]

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Can Trump Dump Obamacare His First Day in Office?

December 9 | 2016
By: Scott E. Deru RHU, REBC
President of Fringe Benefit Analysts, LLC.

January 20, 2017 we will have the inauguration of our 45th President of the United States, Donald J. Trump. During his campaign he stated that he would repeal Obamacare (the Affordable Care Act or ACA) his first day in office. So what is the political reality of having the ACA repealed on January 21st? The […]

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VOI vs. ROI: A Business Case for Wellness

December 6 | 2016
By: Heather Mills CWWPM
Wellness Program Manager at VolkBell, a UBA Partner Firm

VolkBell began the exploration into health and wellness about eight years ago. It was something our partners would say, “Just made sense.” At the time, health care costs were skyrocketing across the nation, particularly in our home state of Colorado, and the nation’s obesity rates were at an all-time high. In our research, we observed […]

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Employer Liability Under Health Care Sharing Ministries Plans

December 3 | 2016
By: Scott E. Deru RHU, REBC
President of Fringe Benefit Analysts, LLC.

Under the Affordable Care Act (ACA), members belonging to a certain number of organizations known as Health Care Sharing Ministries – sometimes called Christian Health Plans or Christian Ministries Plan – were granted an exemption from the personal tax penalty (up to 2.5% of one’s household income in 2016 and beyond) for not having a […]

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