subglobal1 link | subglobal1 link | subglobal1 link | subglobal1 link | subglobal1 link | subglobal1 link | subglobal1 link
subglobal2 link | subglobal2 link | subglobal2 link | subglobal2 link | subglobal2 link | subglobal2 link | subglobal2 link
subglobal3 link | subglobal3 link | subglobal3 link | subglobal3 link | subglobal3 link | subglobal3 link | subglobal3 link
subglobal4 link | subglobal4 link | subglobal4 link | subglobal4 link | subglobal4 link | subglobal4 link | subglobal4 link
subglobal5 link | subglobal5 link | subglobal5 link | subglobal5 link | subglobal5 link | subglobal5 link | subglobal5 link
subglobal6 link | subglobal6 link | subglobal6 link | subglobal6 link | subglobal6 link | subglobal6 link | subglobal6 link
subglobal7 link | subglobal7 link | subglobal7 link | subglobal7 link | subglobal7 link | subglobal7 link | subglobal7 link
subglobal8 link | subglobal8 link | subglobal8 link | subglobal8 link | subglobal8 link | subglobal8 link | subglobal8 link
kjh

5100 Poplar Avenue • Suite 2755 Memphis TN 38137
Phone:901.766.1950 • Fax: 901.821.7432
Toll-Free: 800.588.2238

 

INDIVIDUAL INSURANCE

Corporate Benefit Management Group

We have over 40 years experience, working with Employers and Employees, Individuals, and Families to provide high quality insurance, financial products, and services that fit their needs and lifestyles.

We have worked with Municipalities, Hospitals, Manufacturers, Schools, and Small to Medium size Businesses. We will design and implement a custom Benefit Package to fit the individual needs of your Company and Employees.

Our emphasis has changed from voluntary benefits to Consumer Driven Health Insurance, both group (company) and individual. We feel that Voluntary Benefits is a perfect compliment to the new Consumer Driven Health Insurance (CDHI) Plans.

HEALTH CARE REFORM


Health Care Reform is upon us and it is a major goal of Health Benefits US to make sure you understand the Affordable Care Act and what it has to offer. Below is a timeline of the new law change with the dates of what's changing and when.

Affordable Care Act Timeline:

2010

  • The Affordable Care Act Becomes Law – March 23, 2010
  • Providing Small Business Health Insurance Tax Credits – Effective January 1, 2010
  • Allowing States to Cover More People on Medicaid – Effective April 1, 2010
  • Relief for 4 Million Seniors Who Hit the Medicare Prescription Drug "Donut Hole" – First checks mailed June, 2010
  • Cracking Down on Health Care Fraud – Many provisions effective now
  • Expanding Coverage for Early Retirees – Applications for employers available June 1, 2010
  • Providing Access to Insurance for Uninsured Americans with Pre-Existing Conditions – National program established July 1, 2010
  • Putting Information Online – Effective July 1, 2010
  • Extending Coverage for Young Adults – Effective for health plan years beginning on or after September 23, 2010
  • Providing Free Preventive Care - Effective for health plan years beginning on or after September 23, 2010
  • Prohibiting Insurance Companies from Rescinding Coverage - Effective for health plan years beginning on or after September 23, 2010
  • Appealing Insurance Company Decisions – Effective for new plans beginning on or after September 23, 2010
  • Eliminating Lifetime Limits on Insurance Coverage - Effective for health plan years beginning on or after September 23, 2010
  • Regulating Annual Limits on Insurance Coverage - Effective for health plan years beginning on or after September 23, 2010
  • Prohibiting Denying Coverage of Children Based on Pre-Existing Conditions - Effective for health plan years beginning on or after September 23, 2010 for new plans and existing group plans
  • Holding Insurance Companies Accountable for Unreasonable Rate Hikes – Grants will be awarded beginning in 2010
  • Rebuilding the Primary Care Workforce – Effective 2010
  • Establishing Consumer Assistance Programs in the States – Grants awarded October 2010
  • Preventing Disease and Illness – Funding begins in 2010
  • Strengthening Community Health Centers – Effective 2010
  • Payments for Rural Health Care Providers – Effective 2010

2011

  • Prescription Drug Discounts – Effective January 1, 2011
  • Free Preventive Care for Seniors – Effective January 1, 2011
  • Bringing Down Health Care Premiums – Effective January 1, 2011
  • Addressing Overpayments to Big Insurance Companies and Strengthening Medicare Advantage - Effective January 1, 2011
  • Improving Health Care Quality and Efficiency - Effective January 1, 2011
  • Improving Care for Seniors After They Leave the Hospital - Effective January 1, 2011
  • New Innovations to Bring Down Costs – Funding becomes available October 1, 2011
  • Increasing Access to Services at Home and in the Community – Effective October 1, 2011

2012

  • Encouraging Integrated Health Systems - Effective January 1, 2012
  • Understanding and Fighting Health Disparities – Effective March, 2012
  • Providing New, Voluntary Options for Long-Term Care Insurance – Benefit plan October 1, 2012
  • Reducing Paperwork and Administrative Costs – First regulation effective October 1, 2012
  • Linking Payment to Quality Outcomes – Effective for payments for discharges occurring on or after October 1, 2012

2013

  • Improving Preventive Health Coverage – Effective January 1, 2013
  • Increasing Medicaid Payments for Primary Care Doctors -Effective January 1, 2013
  • Expanded Authority to Bundle Payments - Effective January 1, 2013
  • Additional Funding for the Children's Health Insurance Program (CHIP) – Effective October 1, 2013

2014

  • Establishing Affordable Insurance Exchanges - Effective January 1, 2014
  • Promoting Individual Responsibility - Effective January 1, 2014
  • Ensuring Free Choice - Effective January 1, 2014
  • Increasing Access to Medicaid - Effective January 1, 2014
  • Makes Care More Affordable - Effective January 1, 2014
  • Ensuring Coverage for Individuals Participating in Clinical Trials - Effective January 1, 2014
  • Eliminating Annual Limits on Insurance Coverage - Effective January 1, 2014
  • No Discrimination Due to Pre-Existing Conditions or Gender -Effective January 1, 2014
  • Increasing Small Business Health Insurance Tax Credit - Effective January 1, 2014

2015

  • Paying Physicians Based on Value Not Volume - Effective January 1, 2015
For the complete timeline along with a detailed description of each change, please refer to HealthCare.gov

Home| Privacy Policy | Disclaimer | Contact Us | Copyright © 2007 - Corporate Benefits Management Group

5100 Poplar Avenue • Suite 2755 • Memphis TN 38137
Phone: 901.766.1950 • Fax: 901.821.7432
Toll-Free: 800.588.2238