Case Studies:
ACA Update: Guidance for Health Benefit Exchange Notices
On May 8, 2013, the Department of Labor (DOL) issued guidance on the notice employers are required to provide to their employees on the Marketplaces (Exchanges). Previous guidance suggested that the notices would not be available until late summer/early fall of 2013. However, employers asked for an earlier release of the guidance and notices due to increased employee inquires.
Read On »ACA Update: Minimum Value, Affordability and Wellness Incentives
On May 3, 2013, the Internal Revenue Service (IRS) released a proposed rule on the minimum value and affordability rules under the Affordable Care Act (ACA).
Read On »M3 Impact Files: Super Steel
Super Steel + M3 = innovation and savings
See how this manufacturer is changing their culture to one of safety and health with the help of M3’s benefits and property & casualty teams.
OSHA’s National Emphasis Program for Nursing & Residential Care Facilities
OSHA recently issued an Instruction for a National Emphasis Program (NEP) of Nursing and Residential Care facilities which covers policies and procedures for targeting and conducting programmed inspections in these industries.
Read On »Five Steps to Better Employee Benefits for Nonprofits
Your employees are critical in implementing a variety of programs and services. When it comes to benefits decisions, you have the opportunity to support them with effective health strategies, coverage and insurance.
Read On »Controlling Workers’ Compensation Audit Information Helps Prevent Overcharges
M3 is committed to partnering with businesses and organizations to ensure they understand and take control of the workers’ compensation audit process and prevent inadvertent overcharges. Multiple, unintentional overcharges can lead to higher premium rates. This article provides valuable information about properly classifying employees, creating accurate premium audit packages, understanding remuneration inclusions and exclusions, and more.
Read On »HEALTH CARE REFORM: Proposed Rule for 90-Day Waiting Period
On March 18, 2013 the Departments of Treasury, Labor and Health and Human Services issued a proposed rule regarding the topic of the 90-day waiting period limitation and other technical amendments. This proposed rule builds on information set forth in Internal Revenue Service Notice 2012-59 issued in August of 2012.
Read On »HEALTH CARE REFORM: Exchanges and the SHOP Program
On February 27, 2013, the Departments of Health and Human Services (HHS) released a proposed rule on Health Care Exchanges and the Small Business Health Options Program (SHOP), including guidance on triggering events, special enrollment periods and a transitional policy regarding employees’ choice of qualified health plans (QHPs) in the SHOP. The proposed rule amends previous guidance issued in March 2012.
Read On »HEALTH CARE REFORM: Final Regulation on Essential Health Benefits
The final rule provided on Wednesday, February 20th by HHS clarifies that non-grandfathered small group plans and individual plans must provide essential health benefits. The maximum deductibles on all small group and individual plans will be $2000/$4000. The rule also clarifies that the maximum out of pocket (MOOP) on all plans will follow the HSA limits.
Read On »HEALTH CARE REFORM: Understanding Minimum Value
Understanding the value of coverage that an organization offers is vital to understanding the type of potential changes that will need to be undertaken in implementing the ACA. While most plans do meet the minimum threshold, clients should pro-actively consult with the carrier (fully insured) or third-party administrator (self-funded) to determine any assistance they might provide in determining minimum value of the plan.
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