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Healthcare Insurance Industry
Gardening in the Workplace: Gardens Can Boost Morale
Gardening in the Workplace: Adopt-a-Spot
Recall Report: April 2012
In a recent press release*, the U.S. Consumer Product Safety Commission (CPSC) is warning consumers that certain recalled products, originally sold at Meijer, Inc., were resold after the recall date due to an error ...
Health Care Reform Timeline (Full Version)
A full version of Health Care Reform's sweeping changes and laws.
Health Care Reform Timeline Chart
A quick reference of the Health Care Reform sweeping changes and what year they will take place.
AFLAC Workforce Executive Summary Report: Bringing Benefits to Bear for Business: Performance and Profitability
Judgment day may soon arrive for employers. There will be consequences, or payoffs, stemming from company behavior and actions during the economic recession because many experts believe a sustained job recovery is imminent.
Final Regulations Issued on Health Insurance Exchanges
Beginning in 2014, individuals and small businesses will be able to purchase private health insurance through state-based competitive marketplaces known as Affordable Health Insurance Exchanges.
The Medicare Program: What is Medicare?
Medicare is health insurance for people age 65 or older, under age 65 with certain disabilities, and any age with End-Stage Renal Disease (permanent kidney failure requiring dialysis or a kidney transplant).
Health Care Reform: Compromise on Contraceptive Coverage For Religious Employers
Under health care reform, non-grandfathered health plans must cover women’s preventive care services, including contraception, without charging a co-pay or deductible.
Health Care Reform: Final Guidance on Summary of Benefits and Coverage
On Feb. 9, 2012, the Departments of Health and Human Services, Labor and Treasury (Departments) released much-anticipated final guidance on the requirement for health plans and health insurance issuers.
Liability Issues in Dermatology
An interesting thing about Dermatology is that studies indicate most malpractice claims result from the most common types of clinical situations, not the more exotic features.
Setting Realistic Health Goals: Setting Practical Goals To Achieve Better Health
Whether it’s quitting smoking, exercising more or making healthier meal choices, setting realistic and specific health goals is your first step.
Avoiding Illegal Job Withdrawal Offers
The Equal Employment Opportunity Commission (EEOC) enforcement guidance states that an employer discriminates against a person on the basis of disability.
Pre-Employment Strength Testing: FAQs
A question and answer session regarding Pre-Employment Strength testing in the workplace.
Recall Report: December 2011: Food Safety Law Gets $39 Million Funding For 2012
According to FoodNavigator-USA.com,* the majority of a $50 million increase in Food and Drug Administration (FDA) funding for fi scal 2012 will go toward implementing the Food Safety Modernization Act after a lobbying group backed by several food industry trade associations played a key role in infl uencing negotiations.
Recall Report: November 2011
In today’s challenging economy, many companies seek to cut costs. Doing so is intended to improve a company’s bottom line, but in some cases, the move backfi res and ends up costing the company more and increasing exposures in some areas.
WellCard Savings Discount Plan: Savings For You and Your Family
The WellCard Savings Discount Plan offers pre-negotiated health care discounts on a wide range of health services for you and your family.
Recall Report: September 2011
September 13, 2011 - The U.S. Department of Agriculture announced that it is taking new steps E. coli and protect the safety of the American food supply.
Men's Health: Prostate Cancer
Prostate cancer is the most common type of cancer in American men, excluding non-melanoma skin cancers.
Women's Health: Breast Cancer
According to Breastcancer.org, all women are at risk for breast cancer – research estimates that one in eight women will be diagnosed with invasive breast cancer at some time in their lives. Learn more about the disease, risk factors and prevention tips.
Medical Arts Insurance Corporate Brochure: Specializing in Professional Liability, Employee Benefits and Insurance for Health Care Providers
Medical Arts Insurance is a highly specialized firm that provides insurance brokerage and consulting services exclusively to health care providers and organizations.
Brain Awareness: Use It or Lose It!
The brain’s capacity is enormous, yet many scientists suggest that we only use a small percentage of our brain. What are you doing to maximize your brain's potential?
Finding Business in an Untapped D.I. Market: http://eba.benefitnews.com/news/sell-disability-insurance-advisers-women-2715170-1.html
In today's uncertain economy more married women have found themselves thrust into the role of breadwinner as their husbands encouter job loss or drop-off in pay. Moreover, many of these working women are highly compensated decision makers.
ISMIE Mutual's Cyber-Liability Coverage
This coverage also provides peace of mind for patients. In the event of an unauthorized disclosure of security breach, patients will be offered TransUnion’s Interactive 3 in 1 credit monitoring at no cost, for up to 12 months.
Children's Health: Teach Healthy Eating Habits Early in Life
You know it’s important to feed your children a wide variety of healthy foods. But what if they are resistant to trying something new?
Inexpensive Ways to Get and Stay Healthy
Getting and staying healthy does not need to consume your budget each month. In fact, it won’t make much of a dent if you know where to save to get the most bang for your buck.
MyPlate Replaces the Food Pyramid
On June 2, 2011, the U.S. Department of Agriculture (USDA) released MyPlate, a new symbol for healthy eating that replaces the traditional food pyramid.
Affidavit and Certification of Dependent Status
For purposes of employer-sponsored group health coverage, if an individual does not meet the Federal tax definition of a dependent, then the value of one single employee rate would be includable in the employee’s income for Federal tax purposes.
Illinois Religious Freedom Protection and Civil Union Act
The Illinois Religious Freedom Protection and Civil Union Act, was signed into law on Jan. 31, 2011 and is effective June 1, 2011.
Notice of Civil Union Rights
Effective June 1, 2011, the Religious Freedom Protection and Civil Union Act (the “Civil Union Law”) provides that both same-sex and different sex couples who enter into a civil union will have all of the obligations, protections and legal rights that are afforded under Illinois law to married heterosexual couples.
How do I learn my Basal Metabolic Rate?: What is it, and why should I care?
Receive a complimentary complete body composition analysis on a professional grade Tanita scale, courtesy of Horton Health Initiatives
Tanita Body Composition Analysis
Receive a complimentary complete body composition analysis on a professional grade Tanita scale, courtesy of Horton Health Initiatives
IRS Increases Health Savings Account Limits
On May 17, 2011, the Internal Revenue Service (IRS) released IRS Notice 2011-32, which makes changes to Health Savings Accounts (HSAs) effective for calendar year 2012.
The Road Ahead: Shaping Health Care Strategy in a Post-Reform Environment: 2011 16th Annual Towers Watson/National Business Group on Health Employer Survey
Posture: The Importance of Office Ergonomics
The key to preventing work-related neck and back injuries is to evaluate your workstation and make sure it is ergonomically correct and promotes good posture.
Set Up Right, Sit Up Right: A Quick Guide to Planning a Comfortable Workstation
Having a well planned and designed computer workstation can help increase your energy, minimize stress and even boost morale.
Dental Care: Visiting the Dentist
A simple routine of brushing and flossing, in addition to regular dental checkups, can be enough to help prevent tooth decay, gum disease and bad breath.
Oral Health and Dental Wellness: Can Your Mouth Make You Sick?
Did you know that poor oral health can lead to many seemingly unrelated medical conditions?
Virgin HealthMiles $500 Rewards GoZone LifeZone Info Sheet
Download this PDF to get an explanation of the Virgin HealthMiles NEW Custom Rewards GoZone Lifezone option.
Virgin HealthMiles Custom Rewards GoZone Lifezone Info Sheet
Download this PDF to get an explanation of the Virgin HealthMiles NEW Custom Rewards GoZone Lifezone option.
Virgin HealthMiles Personal ER Sponsored Challenges Info Book
Download the PDF for a booklet about Virgin HealthMiles Personal ER Sponsored Challenges.
Virgin HealthMiles Case Study: First Horizon
Virgin HealthMiles Case Study: Harlandale Independent School District
20 Ways To Enjoy More Fruits, Vegetables, Whole Grains and Dairy
To get the most nutrition out of your calories, choose foods packed with vitamins, minerals, fiber and other nutrients - and lower in calories.
The Medicare Program: Who Pays First?: Know Who Pays First If You Have Other Health Insurance or Coverage
Spousal Carve-Outs and Surcharges
In order to reduce rising health care costs, some employers have adopted group health plan provisions restricting coverage of spouses.
Physician Employment Contracts and Medical Malpractice Tail Insurance:: A Necessary Evil to Address a Complex Issue
In today’s litigious society, physician employment contracts are a necessity. Generally, physician separations from group practices are amicable; however, more often than not there are other...
Your Family Wants to Know: Have You Completed Your Advance Directives?
Onsite Health Clinics Improve Employee Health, Reduce Absenteeism: Health savings through onsite clinics
Employers are constantly looking for ways to control healthcare costs while maintaining healthy and happy employees. One concept transforming the face of health care is onsite...
Mass Tort Litigation Claims: Do You Know What Insurance Coverage You Had ... And When?
Some companies faced with litigation are being forced to recall their insurance carriers and policy coverages as far back as three decades. Best in class ways to retain information you need.
Form 5500 Annual Report of Employee Benefit Plan: Answering Who, What, When, Where, Why... and How?
Information regarding timing and requirements for Form 5500 through ERISA
Non-Owned Autos: Why Employees Driving Their Own Vehicles Leaves You at Risk!
If your salespeople drive their own vehicles for work, you are at risk of financial liability in the case of an accident.
Common Sense Savings: The Benefits of Switching to Generic Prescriptions
Prescription drugs account for a growing share of overall health care spending. Innovative prescriptions are proving to cut down health care costs.
Controlling Workers' Compensation Claims and Costs
There are precautions you can take to minimize risk of hiring employees with a tendency toward Workers' Compensation claims.
Economic Downturn: Think Twice Before Laying Off Injured Workers
Difficult economic times have forced employers to limit workforce expenses. While looking to streamline employees, employers must be alert to increasing Workers' Compensation costs and additional...
How Are Your Claims Managed?: The Financial Benefits of Claim Audits
Insurance companies have dramatically changed their claim management processes. If your current insurance broker does not have a claim professional acting on your behalf, you may be surprised...
Benefit Solutions: Individual Coverage Options
As life takes unexpected turns, you can take comfort in knowing that there are solutions to keep you and your family members protected.
Is Your Business Protected if an Owner Suffers a Major Disability?
Group disability income protection insurance protects basic income due to a disabling illness or injury. Discover how business owners can take full advantage of disability income planning in their...
Water: Are You Getting Enough?
There are many reasons to be on a water kick these days: you are trying to lose weight; you are an athlete in training; it is part of basic nutrition...
Electrical Cords and Equipment: safety concerns that should be watched at all times
This safety tip involves electrical cords and concerns that should be watched at all times
Cell Phone Policy
Sample Cell Phone Use Policy
Safe Winter Driving: How to drive safely in winter weather
This safety tip discusses how to drive safely in winter weather
Wellness Programs: A Risk Management Approach for Employee Benefit Plans
The Horton Group has developed practices for healthier, happier and more productive employees.
Questions for Medical Professionals
This form offers questions to ask a medical professional prior to medical treatment or surgery.
Questions for Medical Professionals: Spanish Version
Esta forma debera asistirlo al hacer preguntas y al obtener informacion cuando su Proveedor de Salud recomienda cirugia o un tratamiento especial por cualquiera condicion medica por la cual usted...
Data Breach: The Proper Insurance to Protect Identities... Including Yours!
According to a recent study, a security breach can cost an organization anywhere from $50 to $250 per record. This could cause a substantial setback for any company, and could easily put a small...
Business Protection: Using Life Insurance to Protect Against Financial Loss
There are a variety of tax-efficient and cost-effective tools for business owners and corporate executives to evaluate when planning for their companies. In the right situations, life insurance can...
Claims: Report Timely to Avoid Pitfalls!
As an insured, you have a contractual obligation to report losses or incidents that could generate claims to your insurance carrier.
Managing Corporate Credit Risk: An Alternate Strategy for Increasing the Bottom Line!
Roughly one-sixth of U.S. industrial firms’ assets are considered accounts receivable.* When receivables are managed appropriately, a company’s cash flow is positively impacted.