Medicare Part D Late Enrollment Penalty

Medicare Part D Late Enrollment Penalty The late enrollment penalty is an amount that’s permanently added to your Medicare Drug Coverage (Part D) premium. You may a late enrollment penalty if you: Do not enroll in a Medicare Part D plan when you first have the opportunity (unless you have creditable coverage through your employer) If at any time after … Read More

How To Avoid A Costly Mistake Moving From Exchange To Medicare

From our friends at CNBC Key Points: If you have coverage through the health marketplace, you need to sign up for Medicare if you’re on the verge of eligibility Failing to enroll when you’re supposed to could result in late-enrollment penalties, as well as repayment of any marketplace subsidies to receive after age 65 If you get your health insurance … Read More

What Or Who Is IRMAA ?

IRMAA stands for Income-Related Monthly Adjustment Amount An IRMAA is a surcharge added to you monthly Medicare Part B and Part D premiums based on your annual income The Social Security Administration (SSA) uses you income tax information from the previous two years to determine if you owe an IRMAA in addition to your monthly premium The surcharge amount you’ll … Read More

Medicare Fall Open Enrollment Q&A

From our friends at the Medicare Rights Center ENROLLMENT PERIODS Question: Are the dates for open enrollment the same for Medicare and Medicare Advantage? Answer: The Fall Open Enrollment Period, also known as the Annual Election Period, runs October 15 through December 7 each year. During this time you can switch from Original Medicare to Medicare Advantage, Medicare Advantage to … Read More

A Message from Vanessa Gaytan of Heartland

Do you change Payroll companies each calendar year? Do you sigh every time you have to run payroll for reasons aside from the obvious (money going out)? Tired of not having local representation or calling into a service center overseas? Enough already! Payroll does not need to be a stressful part of your business; it can be simple and streamlined.  … Read More

No Surprises Act

The Consolidated Appropriations Act of 2021 contains the “No Surprises Act”. The following items of The No Surprises Act apply to individual, small group, and large group fully insured and self-funded plans, including both grandfathered and non-grandfathered plans, and coverage offered through an Exchange generally, for plans beginning on or after 01/01/2022. Balanced Billing – The law will limit balance … Read More

ADA Protections for Covid Long-Haulers

Marking the 31st anniversary of the Americans with Disabilities Act (ADA) on July 26, President Joe Biden said people with long-term effects of COVID-19—often referred to as COVID-19 long-haulers—may be protected by the law. Here’s a collection of articles from across the internet Long-Term Effects “Many Americans who seemingly recover from the virus still face lingering challenges like breathing problems, … Read More

Covered California 2022 Rates

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2022 Health Plan Limits

Type of Plan Limit 2022 2021 HSA Contribution Limits Self-Only $3,650 $3,600 Family $7,300 $7,200 HSA Catch-Up Contribution Age 55 or older $1,000 $1,000 HDHP Minimum Deductibles Self-Only $1,400 $1,400 Family $2,800 $2,800 HDHP Maximum Out-of-Pocket Expense Limits Self-Only $7,050 $7,000 Family $14,100 $14,000 ACA Maximum Out-Of-Pocket Expense Limits Self-Only $8,700 $8,550 Family $17,400 $17,100 Expected Benefit HRA —– $1,800 … Read More