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Karl J. Ruth Jr.
Jun 8, 20222 min read
Question of the Week
Do we need to offer summer interns group health insurance? Whether you need to offer benefits depends on your health plan eligibility...
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Karl J. Ruth Jr.
May 12, 20221 min read
Timeline of Benefit Notices for Group Health Plans
THIS TIMELINE PROVIDES GENERAL INFORMATION REGARDING FEDERAL BENEFIT NOTICE REQUIREMENTS FOR EMPLOYER-SPONSORED HEALTH PLANS. ADDITIONAL...
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Karl J. Ruth Jr.
May 9, 20221 min read
State Disability Insurance Mandates
Currently, five states require employers to provide Temporary Disability Insurance (TDI) wage replacement benefits to their employees who...
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Karl J. Ruth Jr.
Apr 25, 20223 min read
Infertility HRAs: Compliance Considerations for an Emerging Trend
In an effort to offer more robust and cost-effective infertility coverage to employees, the Infertility HRA is an increasingly popular...
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Karl J. Ruth Jr.
Apr 20, 20221 min read
Business Owners - Planning Opportunities
PRESENTED BY PRINCIPAL Business owners faced historic challenges during the pandemic, but now they’re gaining confidence. A record 36%...
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Karl J. Ruth Jr.
Feb 1, 20222 min read
FDA Authorizes Pfizer COVID-19 Treatment Pill
On Wednesday, December 22, 2022, the Food and Drug Administration (FDA) issued emergency use authorization for an antiviral...
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Karl J. Ruth Jr.
Jan 25, 20222 min read
PCORI Fee Amount Adjusted for 2022
The Internal Revenue Service (IRS) has issued Notice 2022-04 to increase the Patient-Centered Outcomes Research Institute...
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Karl J. Ruth Jr.
Oct 12, 20214 min read
5 Strategies for Reducing Health Benefits Costs in 2022
For the past two decades, health costs have increased each year. This happens for a variety of reasons, such as inflation or, say, a...
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Karl J. Ruth Jr.
Jun 30, 20211 min read
The Importance of Preventive Care
Photo: Pixabay Seven out of 10 Americans die each year from chronic diseases, many of which are preventable. When preventive care is used...
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Karl J. Ruth Jr.
Jun 22, 20211 min read
Benefits Debit Cards
Photo: Pixabay Benefits debit cards are a valuable asset if you participate in flexible spending accounts (FSAs), health savings accounts...
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Karl J. Ruth Jr.
Jun 16, 20211 min read
Understanding Accident Insurance
Photo: Pixabay Whether you suffer a concussion falling off a ladder or dislocate your shoulder moving the couch, injuries can lead to...
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Karl J. Ruth Jr.
Apr 1, 20211 min read
Understanding Prescription Drug Pricing Trends
In 2019, the United States spent nearly $370 billion on prescription drugs, keeping trend with significant increases year over year....
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Karl J. Ruth Jr.
Mar 25, 20211 min read
CMS Extends Individual SEP
The Centers for Medicare and Medicaid Services (CMS) has extend the Marketplace Special Enrollment Period (SEP) through August 15, 2021....
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Karl J. Ruth Jr.
Mar 9, 20211 min read
Surprise Billing From Out-of-Network Providers.
In 2020, two bills were signed into Michigan Law to protect individuals from surprise billing from out-of-network providers. In...
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Karl J. Ruth Jr.
Feb 23, 20211 min read
Introducing the new Delta Dental Member Portal
*information provided by Delta Dental of Michigan An exciting technology upgrade is now available to Delta Dental’s clients! The new...
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Karl J. Ruth Jr.
Feb 18, 20211 min read
Don’t Delay Preventive Care
The once-a-year checkup has been considered a standard of health care, but many people may be putting off routine appointments during the...
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Karl J. Ruth Jr.
Feb 12, 20211 min read
Upcoming COVID-19 2021 Special Enrollment Period
Beginning February 15, 2021, the federal Marketplace will open a Special Enrollment Period, which will allow new consumers as well as...
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Karl J. Ruth Jr.
Jan 29, 20212 min read
Biden Opens ACA Enrollment For Three Months
President Biden ordered Thursday (01/28/2021) the reopening of the Affordable Care Act’s federal insurance marketplaces for three months...
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Karl J. Ruth Jr.
Jan 26, 20211 min read
Encouraging Employees to Use Telehealth Services
As COVID-19 cases continue to surge across the country amid flu season, telehealth services offer access to quick, convenient and...
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Karl J. Ruth Jr.
Jan 22, 20213 min read
Do You Qualify for a Special Enrollment Period (SEP)?
On March 1, 2020, the Federal Emergency Management Agency (FEMA) declared a national emergency due to the Coronavirus Disease 2019...
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