May 11, 2020

You’ve made the decision to convert your health insurance benefit plan from an insured arrangement to a self-funded arrangement. Under your insured arrangement your carrier offered you a pool point that you had little or no control over and may have represented more or...

May 11, 2020

Those in the stop loss market have heard the phrase “leveraged trend” when discussing renewal calculations with your stop loss carrier.  While few understand how this works, all have seen its’ significant impact on your clients’ stop loss renewals.

What is leveraged tre...

May 11, 2020

On March 11th, the Internal Revenue Service (IRS) announced that high-deductible health plans (HDHPs) can pay first dollar coverage for 2019 Novel Coronavirus (COVID-19)-related testing and treatment, without jeopardizing their status. The IRS is taking these steps due...

May 11, 2020

These certainly are unprecedented times as individuals, companies and governments take steps to slow the spread of COVID 19 in an attempt to make sure the pandemic does not overwhelm our nation’s medical infrastructure and ultimately result in avoidable fatalities.

As t...

March 31, 2020

As I'm sure you're aware, there has been quite a bit of conversation regarding the Chapter 78 Relief Bill (you may also hear this referred to as "Educators Health Benefits Fairness Act" or "S2273"). 

One of the biggest questions we have is whether or not groups that are...

March 19, 2020

The "Educator’s Health Benefit Fairness Act" aka the "Chapter 78 Relief Bill" is making its way through the State legislature and is expected to be passed in short order.

The provisions of this bill apply whether you are enrolled in the SEHBP or not.

The bill applies t...

March 19, 2020

The "Educator’s Health Benefit Fairness Act" aka the "Chapter 78 Relief Bill" is making it's way through the State legislature and is expected to be passed in short order. This bill makes sweeping changes to the health plans offered in the SEHBP, as well as the contrib...

September 28, 2018

On September 17, 2018 the SEHBP Plan Design Committee approved the implementation of a new plan option for the Active population, effective 1/1/2019. The NJ Direct 0 / Freedom 0 will be offered by both Horizon and Aetna, alongside the existing plans.

Features of the NJ...

September 27, 2018

On Monday, September 17, the SEHBP Plan Design Committee met to review potential changes to the 2019 SEHBP Medical and Prescription Drug Program.

There were two plan design changes that took place:

  • Active Population: Addition of the "Horizon Direct 0" and the "Aetna...

September 20, 2018

On Monday, September 17, the SEHBP Plan Design Committee met to review potential changes to the 2019 SEHBP Medical and Prescription Drug Program. Announcements were made immediately following the conclusion of this meeting:

  • On Monday, September 17, 2018 the NJEA rel...

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