Affordable Care Act (ACA)

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How Your Smartphone is Impacting Your Health

This holiday season, there's a lot of choices that can be made when it comes to selecting technology that can impact your health. Wearable devices are the rage and have been for several years now. The technology is getting better and better. You have to wonder if the Fitbit is the modern day equivalent of the Garmin. With the Apple Continue Reading

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Diabetic Eye Health, What You Need to Know!

ABOUT R. Kashmiry & Associates, Inc. WE ARE COMMITTED TO PROVIDING EACH CLIENT WITH UNSURPASSED SERVICE FOR YOUR EVERY BENEFIT NEED. R. KASHMIRY AND ASSOCIATES, INC. BELIEVES IN OFFERING CUSTOMIZED SOLUTIONS TO SMALL AND LARGE COMPANIES, AS WELL AS THE SELF-EMPLOYED AND THE MEDICARE ELIGIBLE. Founded in 1986, the corporate headquarters of R. Kashmiry and Associates, Inc. is located in Continue Reading

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Medicare Open Enrollment to Begin

When’s the Medicare Open Enrollment Period? Every year, Medicare’s open enrollment period is October 15 - December 7. What’s the Medicare Open Enrollment Period? Medicare health and drug plans can make changes each year—things like cost, coverage, and what providers and pharmacies are in their networks. October 15 to December 7 is when all people with Medicare can change their Continue Reading

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Health Care Reform Slide

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Sample ACA application for Family Coverage

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Sample ACA for Single Coverage

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The employer mandate – What you need to know

You may have heard about the employer mandate in the Affordable Care Act (a.k.a., health care reform law). But what exactly is it, and who has to comply? The Department of Treasury has released some initial rules so companies can begin planning, until the Internal Revenue Service releases final rules.  Here are some of the main rules: Impact on businesses: Continue Reading

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What is SBC??

   1. What does SBC mean? SBC is short for Summary of Benefits and Coverage. It is a document intended to help people understand their health coverage and compare health plans when shopping for coverage.     2. Why is the SBC being issued? The federal government requires all healthcare insurers and group health plan sponsors to provide this document to Continue Reading

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Health Care Reform Mandate

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Looking at the benefits of health care reform

Your health should always come first. That’s why it’s so important to keep up with health care reform’s changes. And, even though the Affordable Care Act (ACA) has been in place since 2014, there’s still a lot of confusion about health insurance and how the new health care laws affect people. You probably know that the new laws require all Continue Reading

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IRS proposes ACA penalties for non-coverage

The Internal Revenue Service recently drafted ACA regulations that offer some insight into what will be the associated monetary penalties for individuals who do not take up health care coverage. Under the proposed guidelines, which will be reviewed at a public hearing in May, IRS officials laid out guidelines for what will be deemed as “minimum essential coverage” under the Continue Reading

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What’s all the buzz about grandfathering?

One of the major selling points of the Affordable Care Act was the idea that if an employer or individual was happy with their current health plan or coverage, they could keep it. Not necessarily. Under the ACA, employer plans and insurance coverage that was in place on March 23, 2010 was excused from many of the health care reform Continue Reading

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First round of employers’ ‘PCORI fees’ due July 31

We at R. Kashmiry and Associates want all our clients to know that we will keep you updated on the latest Health Care Reform and you can always visit our site at www.rkashmiry.com for the latest “News You Can Use”. Most employers that sponsor self-funded group health plans, and insurers of fully-insured group health plans, will need to file and Continue Reading

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What hasn’t changed for employers in 2014?

In a move that was generally applauded by employers, the Obama administration announced last week that it would delay implementation of the employer health coverage mandate under the Affordable Care Act until January 1, 2015. The good news is that this gives employers another year to prepare for the so-called pay-or-play mandate that requires employers with at least 50 full-time-equivalent Continue Reading

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How cutting employee hours due to health reform may infringe federal law

Countless employers and their advisers are considering a health care reform strategy of cutting employees' weekly hours to less than 30 hours to try to avoid dealing with coverage requirements under the Affordable Care Act. At first blush, this approach seems to provide cover from a variety of costs associated with the ACA by getting employees off the health plan Continue Reading

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Health Care Reform Subsidy Calculator

The Health Insurance Marketplace Calculator provides estimates of health insurance premiums and subsidies for people purchasing insurance on their own in health insurance exchanges (or “Marketplaces”) created by the Affordable Care Act (ACA). With this calculator, you can enter your income, age, and family size to estimate your eligibility for subsidies and how much you could spend on health insurance. You Continue Reading

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Health Insurance Subsidy Could Bring Tax Sting

Millions of people who take advantage of government subsidies to help buy health insurance next year could get stung by surprise tax bills if they don’t accurately project their income. For an example of what you might be eligible for, Affordable Care Act (ACA) page and select “Subsidy Calculator.” President Barack Obama’s new health care law will offer subsidies to Continue Reading

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The DOL’s Move to Increase ERISA Audits

We at R. Kashmiry and Associates will always keep you updated on the latest issues that affect our Industry and may have an impact on you, your employees and your business. From time to time we have emailed you very important topics, if you have missed these emails, you can view any back issues that you might have missed at Continue Reading

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Proposed rule on covering contraceptives

One component of the Patient Protection and Affordable Care Act that has been hotly contested is the provision of birth control expenses and its impact on religious-affiliated groups opposed to contraception. New proposed rules at http://cciio.cms.gov/resources/factsheets/womens-preven-02012013.html and athttp://www.ofr.gov/OFRUpload/OFRData/2013-02420_PI.pdf have been issued that are apparently an effort to quell some of the debate. The new regulations propose to have insurers who Continue Reading

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Important Compliance Deadlines Fast Approaching

January 14, 2013 The first quarter of the calendar year brings many requirements for employers, including annual deadlines related to taxes, OSHA posting requirements, and creditable coverage disclosures. This year also brings a new notification requirement under Health Care Reform. The following is a brief overview of four upcoming deadlines at the federal level. January 31, 2013 – Form W-2 Continue Reading

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Determining if ‘play or pay’ applies to you

Under the Patient Protection and Affordable Care Act, a large employer is subject to penalties if it fails to offer to full-time employees’ health coverage or if the coverage that it offers is not affordable or does not provide minimum value. These new “shared responsibility” rules are effective as of January 1, 2014, and apply to all employers, including non-profits Continue Reading

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Dental Benefits Unraveling

Health care reform is due to bring significant changes to the payment and reimbursement of dental services, including little-noted — but not low-cost — orthodontia. Dental industry experts weigh in on the potential implications So long, dental plan? But Lisa needs braces. The American Association of Orthodontists says between 50% and 75% of the general population could benefit from some Continue Reading

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Health Care Reform Overview

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