Pharmacy Coupons and Insurance Companies Making Adjustments

This is an example of one Ohio company adjusting how they administer coupons people use at the pharmacy.  The program helps make sure members’ out-of-pocket cost for prescription drugs are properly applied to deductibles and maximum out-of-pocket amounts. The benefit...

If You Have Employees Who Are Turning 65 And Confused About Medicare Advantage, This Article Will Help Them

With more and more folks remaining in the workforce past age 65, we are often asked by clients to help explain Medicare eligibility and options to those employees on the cusp of turning 65.  This article from Kaiser Health News (reprinted with permission) provides...

Executive Order Ends the “Out-of-Pocket” Subsidy Only; the “Premium” Subsidy Remains in Place

Some folks may think that Friday’s Executive Order did away with Obamacare subsidies altogether.  It didn’t. There are two subsidies. One was cut.  One wasn’t. In a nutshell, one subsidy lowers the cost of premium (aka premium tax credits) for those qualified...

Wonder Why Our Healthcare Costs Are So High?

Bob Laszewski is an insurance health industry expert we regularly track to stay up to speed on the national healthcare picture. His typically even-handed analysis has been consistently the most accurate of any of the opinion leaders we follow.  Here’s how Laszewski...

The Check’s in the Mail — MLR Premium Rebate Checks and What Do We Do with Them

Some BBG employer clients are reporting that they have received MLR rebate checks from their carrier. What are MLR rebate checks and why do only some employers receive them? Affordable Care Act rules stipulate that insurance carriers must spend a certain percentage of...