March 26 – Keeping You in the Know – Health Care Reform


Proposed Guidance Issued on 90-day Waiting Period Limit


For plan years beginning on or after Jan. 1, 2014, the Affordable Care Act (ACA) prohibits group health plans and group health insurance issuers from applying any waiting period that exceeds 90 days. ACA’s 90-day waiting period limit applies to both non-grandfathered and grandfathered group health plans and health insurance coverage.ACA’s 90-day waiting period limit does not require an employer to offer coverage to any particular employee or class of employees, including part-time employees. It only prevents an otherwise eligible employee (or dependent) from having to wait more than 90 days before coverage under a group health plan becomes effective.On March 21, 2013, the Departments of Labor, Health and Human Services and the Treasury (Departments) issued a proposed rule on ACA’s 90-day waiting period limit. The proposed rule would apply to plan years beginning on or after Jan. 1, 2014.


LEARN MORE > Tue, 26 March


Medicaid Expansion in Michigan Removed from Budget

Gov. Rick Snyder’s plan to expand Medicaid was removed by Republicans in the House Appropriations Community Health subcommittee on March 20, 2013. Snyder’s plan would expand Medicaid (allowable under the Affordable Care Act) up to 133 percent of the federal poverty limit.The subcommittee chair, Rep. Matt Lori, R-Constantine, said there is not enough support within his caucus to move forward, so he took it out of the budget. “People just need to be educated on the whole thing, “Lori said, adding they are working to build a coalition to get this done and there is still time to bring it back.

Q&A – BCBSM to Become a Non-Profit Mutual company

BCBSM begins the transition process to a nonprofit mutual insurance company following Gov. Snyders recent signature on Senate Bills 61 and 62 (refer to our March 12, 2013 Health Care Reform Update for additional details on this health insurance reform legislation).Per Ken Dallafior BCBSM’s Executive Vice President, Group Business and Corporate Marketing, “Today begins a process that will lead BCBSM into a new era of service to our customers, our stakeholders and our state. The new regulatory system is critical as the health insurance industry undergoes significant transformation under national health care reform.” Q&A attached under Learn More.



Health Care Reform –
Kapnick Disclaimer

The health care reform law—the Affordable Care Act (ACA)—has many complex requirements for employers and health plans. Please contact Kapnick Insurance Group with any questions about how you can prepare for any of the health care reform requirements. This Kapnick Insurance Group Update is not intended to be exhaustive nor should any discussion or opinions be construed as legal advice. Readers should contact legal counsel for legal advice.




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