Capstone Insights
Benefits Resources
The rising costs of health care aren’t just a problem for individuals—they’ve also impacted businesses that make health benefits a priority for their employees.
Small businesses have been particularly vulnerable. Between 19999 and 2016, the cost to cover one employee under group health insurance rose nearly 200 percent—from $2,196 to $6,435. Continue reading →
UHC, Health Plan of Nevada and Sierra Health and Life has telemedicine capabilities called Now Clinic. It connects you to a provider 24/7, 365 days a year from your computer or mobile device. No appointment is necessary, and the co-pays are usually less than the standard PCP co-pay, which works out well. First, you just go to nowclinic.com or download the app, sign up, choose a provider and get care from home. The standard online/phone visit is averaging ten minutes long. Continue reading →
The individual shared responsibility provision of the Affordable Care Act requires you and each member of your family to have qualifying health coverage (also known as minimum essential coverage), qualify for a coverage exemption, or make an individual shared responsibility payment when you file your federal income tax return.
For Tax Year 2017, the IRS will not consider a return complete and accurate if the taxpayer does not report coverage for the year, an exemption or a payment. Continue reading →
We just received an e-mail that Health Plan of Nevada & Sierra Health and Life has begun mailing Medical Loss Ratio (MLR) rebate checks to their small group health insurance plan sponsors. The notice indicated they would be mailing checks out over the next few weeks along with all the other health insurers. These checks are for calendar year 2016 and are required to be completed by September 30th. Continue reading →
With a shift in Healthcare laws it is no wonder that Professional Liability “Medical Mal-Practice” insurance is changing as well. Over the past several years subtle changes in the healthcare industry have begun to relate to physician’s Professional Liability needs. With the increase in “E-visits”, a decrease in hospital stays, and of course the ever-evolving idea of healthcare reform, it is interesting that little is talked about when it comes to Professional Liability insurance needs for physicians. Continue reading →
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