Monthly Archives: June 2014

Health insurance coverage renewals

The majority of those who enrolled in the Patient Protection and Affordable Care Act plans through the exchanges will be auto-enrolled in the same health plan they selected in 2014 this coming enrollment period,( 15th November 2014-start) as well as receive the same subsidies, if applicable, the administration said.

The rule was proposed by the Centers for Medicare and Medicaid Services.

“As we plan for open enrollment in year two and continue to build a sustainable long-term system, we are committed to simplifying the experience for consumers by allowing auto-enrollment,” HHS Secretary Sylvia Mathews Burwell said in a news release. “We are working to streamline the process for consumers wishing to remain in their current plan.”

The new option may give the administration a head start on increasing number of Americans getting coverage under the law.

Consumers who are automatically re-enrolled in PPACA plans will still have the option of changing plans during open enrollment, which runs Nov. 15 through Feb. 15, according to the rule. Enrollees also can return to the system to report life changes.

Even if someone is no longer eligible for a subsidy, they will still be auto-enrolled in their current plan, just without a tax credit, HHS said. State-based exchanges may also take this approach, HHS said, or may propose an alternative.

Under the rule, “consumers in the federally-facilitated marketplace will receive notices from the Marketplace informing them how to update their information to get a tailored and updated tax credit that keeps up with any income changes,” HHS said in its press release. “Consumers will receive information from their health insurance company about the premium and the amount they are eligible to save on their monthly bill close to the beginning of the open enrollment period, when they will be able to take action should they choose to do so.”

Call-Eric Walters-Cell: (602)-616-1660

Eric Walters Insurance Services

14482 N 100th Place,


TEL 🙁 480)-657-8595/FAX 🙁 888)-397-0796

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And everything you will want to know about PPACA—–/


Employers- ACA employee orientation periods- warning!

Under the Affordable Care Act, employers will be allowed to require new employees to complete an orientation periodbefore becoming eligible for group health benefits, but it cannot exceed one month.

In final rules published in the Federal Register today, the U.S. Departments of Labor, Treasury, and Health and Human Services clarify:

“ If a group health plan conditions eligibility on an employee’s having completed a reasonable and bona fide employment-based orientation period, the eligibility condition is not considered to be designed to avoid compliance with the ACA’s 90-day waiting period limitation if the orientation period does not exceed one month and the maximum 90-day waiting period begins on the first day after the orientation period”.

As a result employers will be expected to become compliant with it. The final regulations apply to group health plans and group health insurance issuers for plan years beginning on or after Jan. 1, 2015.

While an employer can impose eligibility criteria, such as requiring the worker to fit within an eligible job classification or to achieve job-related licensing requirements, it cannot impose conditions merely as a tactic to delay the employer’s responsibility to provide health benefits, the Obama administration says in the final rule.

The ACA forbids group health plans and insurers that cover groups from imposing waiting periods on new enrollees that exceed 90 days and this final rule clarifies how orientation periods can coincide with the waiting periods without an employer incurring a penalty. The penalty for violating the 90-day waiting period clause is $100 per employee per day of violation.

Employers that are considering adding an orientation period as an eligibility condition should also be aware compliance with the orientation period rules do not indicate compliance with the employer mandate.

Under the employer responsibility rule, an employer must cover a newly hired full-time employee by the first day of the fourth full calendar month of employment.

Need information-Call- Eric Walters-Cell: (602)-616-1660

Eric Walters Insurance Services

14482 N 100th Place,


TEL 🙁 480)-657-8595/FAX 🙁 888)-397-0796

             Email: or my web site-



Want to cancel health insurance and/or dental insurance on the marketplace?

Take CARE!!

Enrolled in both a medical and dental plan through the Federal Marketplace?

Due to a system limitation of the Federal Marketplace, when a consumer is enrolled in both a medical and dental plan through the Marketplace, termination of one plan automatically terms the other, even if the plans are through different carriers.

This is not a regulatory requirement, but the result of a system issue with the Marketplace.

A consumer who wishes to drop one plan (voluntarily or involuntarily through lack of payment) but keep the other, will need to ensure the Marketplace call center rep understands that they wish to terminate only one of their plans, and keep the other. The Marketplace agent can then initiate a Health Insurance Casework System (HICS) inquiry to the carrier of the plan they wish to keep, in order to keep the coverage active.

Please note this step must be done through the Marketplace. Only the Marketplace can initiate the HICS inquiry for the consumer to retain coverage for the plan they wish to keep.