Final Rules on Wellness Programs from the DOL

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Muneris Insight - Health Insurance, Medicare, Employer Benefits

March Personal Best Newsletter

Below please find the March Personal Best Wellness newsletter- a value-added service from Muneris Benefits. Our goal is to increase awareness, increase productivity, improve your employee retention (the wellness newsletter is a nice way of saying, thanks for your hard work –we want you to continue working for us), and ultimately lower your health care…

Muneris Insight - Health Insurance, Medicare, Employer Benefits

February Personal Best Newsletter

The February Personal Best wellness newsletter covers topics from aching feet to water aerobics. The newsletter is our way of saying thanks for your business and a gentle way for you, as the employer, to encourage healthy habits. Remember, your overall healthcare costs are a direct result of the health status of your population. If…

Muneris Insight - Health Insurance, Medicare, Employer Benefits

January Personal Best Newsletter

For many years, we have been focused on helping our clients lower their health care costs by providing the award winning TOPHEALTH newsletter, written by Oakstone Publishing. It is our belief that a more informed health care consumer is often a healthier one. Our 2012 wellness platform comes via a PDF file in an attempt…

Muneris Insight - Health Insurance, Medicare, Employer Benefits

The New Carrier in Town – Optima Health Plans!

Muneris Benefits has entered into a strategic marketing relationship with Optima Health, a Virginia Beach insurer covering 430,000 members in Virginia. Optima Health expanded their group and individual health insurance offerings to Southwest Virginia effective October 1st. Their HMO, PPO and High Deductible Options will serve the Southwest Virginia population well. Their wellness approach and…

Muneris Insight - Health Insurance, Medicare, Employer Benefits

Muneris is a Top 20 Finalist in EXPAND! Contest

On behalf of Muneris, Burman Clark recently participated in the EXPAND! contest sponsored by the Roanoke Regional Entrepreneur Center. The winner will receive feedback to help build or expand their business and more than $25,000 to implement the ideas. With over 150 businesses competing, Muneris was chosen as a Top 20 Finalist. Burman Clark of Muneris…

Muneris Insight - Health Insurance, Medicare, Employer Benefits

New Generic Drugs Available Soon!

There is good news on the horizon with respect to many popular prescription drugs; they are about to get cheaper.  Prescription drug expenses have increased from 10% of the overall cost of health care in 2000 to 22% in 2010.  This increase in drug costs are a result of many factors which include an aging…

Muneris Insight - Health Insurance, Medicare, Employer Benefits

Summary of Benefits

Health care reform continues to evolve as the Health and Human Services revealed on August 17th, the new Summary of Benefit proposed regulations. As insurance brokers, we often find the Summary of Benefits confusing, written in legal ease language and almost impossible to compare one insurance contract with another. For all plans that renew on…

Muneris Insight - Health Insurance, Medicare, Employer Benefits

Womens Preventive Services Update

Health care reform continues to evolve from the Health and Human Services office, the architects behind the Affordable Care Act. On August 1, 2011, the HHS announced additional preventive care services that will soon be covered by health plans for women. While many of the services mentioned in the report are already covered, there were…

Muneris Insight - Health Insurance, Medicare, Employer Benefits

Creditable Coverage Under HIPAA

The 1996 Federal law attempted to limit the ability of a new employer plan to exclude for pre-existing conditions, provide additional opportunities to enroll in a group health plan if you lose other coverage and prohibits discrimination against employees and family members based upon any health factors. While HIPAA has been in existence for 15…

Muneris Insight - Health Insurance, Medicare, Employer Benefits

Employer Penalties with the Affordable Care Act

One of the most confusing and often misinterpreted component of the Affordable Care Act deals with mandates. It is true that many states including Virginia has sued the federal government over the individual mandate that begins in 2014 that requires all Americans to purchase health insurance. The employer requirements are very misleading. The Affordable Care…

Muneris Insight - Health Insurance, Medicare, Employer Benefits

Changes to Medicare Enrollment Periods

PPACA continues to have a ripple effect concerning health care coverage not only for employees but for seniors as well.  Historically, someone who is enrolled in Medicare Parts A and B is given an Annual Open Enrollment Period(AEP) from 11/15 to 12/31  to make changes to their Medicare coverage by either enrolling in a Medicare…

Disability Insurance Awareness Month

Disability Insurance Awareness Month

Many folks fail to recognize that their paycheck is their most valuable asset. Disability insurance is an easy and affordable way to insure that you and your employees can: • Pay rent, or mortgage, car payments, utilities and more • Concentrate on their health • Maintain their current lifestyle May is Disability Awareness Month and…