Health Care Reform
EBS-RMSCO, Inc. is your advocate and advisor to help you navigate and comply with Health Care Reform. The information below is for clients and brokers.
The U.S. Supreme Court Upholds the Constitutionality of Health Care Reform
On June 28, 2012, the Supreme Court ruled to uphold health care reform in a 5-4 decision. This illustrates the fact more than ever that the future of health care is continuing to change. Please click the links below to see how EBS-RMSCO can assist you with ongoing compliance issues.
Annual & Lifetime Limits
Please click the link below to learn more about what is, and isn't included regarding annual and lifetime limits. Guidance is still pending on the essential benefits, but there is enough information to get started.
Please click on the link below to learn more about how Health Care Reform affects FSA and HRA Plans.
Dependent Coverage to Age 26
Please click the link below to learn more about the guidance that was recently released regarding dependent coverage to age 26.
General Health Care Reform Information
Please click on the link below to learn more about Health Care Reform and the effect some of its provisions will have on single-employer and collectively bargained plans. After opening the presentation, at the bottom are the basic controls to rewind, fast forward, pause, etc.
Please click the link below to download a copy of this presentation, which will include the narration notes.
Please click the link below to learn more about a few of Health Care Reform’s key dates and changes that will occur over the next several years.
The most up to date activity regarding Health Care Reform regulations.
Guidance regarding grandfathered status was issued on 6/14/2010. Click the link below> to learn more about what is, and isn't permitted regarding retaining of your grandfathered status.
The Department of Labor has released a table of provisions (chart format) of the health reform provisions that are applicable to grandfathered plans. This chart includes provisions applicable to fully-insured plans, self-funded plans, as well as group and individual policies.
Click the link below to see what a recent Hewitt Associates survey reveals regarding employer perspectives on grandfathered status.
The Department of Labor has also released model disclosure language, which is taken from the interim final rule on grandfathered plans. Warning! There appears to be a formatting problem with the model language. We have alerted DOL to this problem. We hope the URL will be fixed in short order.
EBS-RMSCO is asking self-insured, medical clients for a signed certification form designating their "grandfathered" or "non-grandfathered" status. You will be required to include a statement in your Plan Document(s) or Summary Plan Description(s) that you believe your benefit plan(s) is a grandfathered plan. We encourage our self-administered clients to consult their attorney for advice on determining grandfathered status. This website contains information on the requirements to maintain grandfathered status and the Grandfather Status Certification Form.
At least 60 days prior to the plan year that immediately follows September 23, 2010 your Client Service Representative will provide you with specific information on Health Care Reform plan changes required for grandfathered plans. This information will assist you in determining whether you wish to maintain grandfathered status.