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April 2016 Spotlight - Alzheimers Disease

April 2016 Health Spotlight – Alzheimers Disease

Alzheimer’s disease is currently ranked as the sixth leading cause of death in the United States, but recent estimates indicate that the disorder may rank third, just behind heart disease and cancer, as a cause of death for older people. At Muneris Benefits, we help thousands of Medicare Beneficiaries with managing their supplement and Part…

Blockbuster Drugs Going Generic

Many Blockbuster Drugs Going Generic by 4Q 2016

There is some good news on the horizon with respect to healthcare costs – many Blockbuster Drugs are going generic by 4Q 2016. Prescription drugs costs continue to dominate any employer, employee, or Medicare beneficiary discussion concerning health insurance and for good reason: they can be outrageously expensive. 2016 is a watershed year when many top selling brand…

High Blood Pressure Prevention

High Blood Pressure Prevention – February 2016 Muneris Prevention Newletter

The CDC estimates that 46 billion dollars was spent in the U.S. in 2013 for high blood pressure related claims.  About 1 of 3 U.S. adults—or about 70 million people—has high blood pressure.  Controlling High Blood Pressure is relatively easy and inexpensive, as a wave of blood pressure medications have gone generic over the last…

Disability Income Protection for High Earners

Disability Income Protection for High Earners

The Super Bowl is now a distant memory, and the football fans must wait with bated breath on the future of Peyton Manning. Will he at the ripe old age of 39 decide to hang up his cleats and become an NFL broadcaster, possibly become an Offensive Coordinator, or maybe a College Football Coach? Quite…

Health Insurance Deadline

Health Insurance Marketplace Deadline looms!

Health Insurance Marketplace Deadline looms! Coverage will begin Feb. 1 if you purchase a plan between Jan. 1-15. Coverage will begin March 1 if you purchase a plan between Jan. 16-31. If you are not enrolled in a health plan by Jan. 31, and remain uninsured for 2016, a penalty fee of will be required when you file…

Cadillac Tax Delayed

Cadillac Tax Delayed

The $1.1 trillion budget deal that Congress approved Friday would delay the notoriously unpopular Cadillac tax for two years and put a repeal in reach of the congressional leaders and business groups who oppose it. The House voted 316-113 Friday to approve the omnibus spending deal that congressional leaders unveiled earlier in the week. The…

Subsidies in the Healthcare Marketplace and Medicare Eligibility

Subsidies in the Healthcare Marketplace and Medicare Eligibility

The Affordable Care Act (ACA) created the Healthcare Marketplace, whereby, some 9 million Americans have been successfully enrolled. At Muneris Benefits, we’ve helped hundreds of folks in Virginia and West Virginia secure valuable coverage. We want to remind our clients that once you become eligible for Medicare Part A (either by age or due to a disability); you…

High Deductible Health Plan

The final piece to controlling costs in a High Deductible Health Plan World

More and more employers are offering High Deductible Health Plans (HDHP) and the trend for total replacement continues to gain momentum as employers look to control costs and stay under the Cadillac tax that becomes effective in 2018. As insurance brokers, we have recommended HDHP plans or over 5 years and many employer clients have…

More Employer Compliance

More Employer Compliance

Just when you thought the employer requirements pertaining to the ACA were subsiding, 2016 ushers in a whole new wave of employer responsibilities. More commonly known as the “ACA Pay or Play” provisions, the new rules require employers to validate whether they provide health insurance, who is enrolled, and if the plan is considered affordable. Lots of rules…

New Marketplace Special Enrollment Period for Tax Season

New Marketplace Special Enrollment Period for Tax Season

Did you have to pay a fee for not having health insurance when you filed your 2014 taxes? You may still be able to get 2015 coverage if you: Aren’t currently enrolled in coverage through the Health Insurance Marketplace for 2015, Paid the fee with your 2014 federal income tax return, for not having health…

HIPPA Compliant Technology

Muneris adopts new HIPAA Compliant Technology

Muneris Benefits chooses Compliance Helper to implement new HIPAA compliant technology. Compliance Helper helps larger Covered Entities and Business Associates get compliant, stay compliant and prove HIPAA HITECH compliance. Read More at compliancehelper.com

Federal Courts Conflicting Ruling on Subsidies

Federal Courts Conflicting Ruling on Subsidies in Federal Exchanges

Yesterday’s court rulings in Virginia, which unanimously supported the intent of the law to allow Federal Subsidies for the state of Virginia, conflicted with the D.C. ruling which stated that only the States can decide on premium tax subsidies, makes for an interesting fall election. Are Federal Subsidies intended to help folks; a State decision…