Americans Will See Lower Premiums and More Affordable Coverage This Open Enrollment Season:

In final regulations issued on October 11, the Internal Revenue Service (“IRS”) and Treasury announced that employees and their families will have more access to Affordable Care Act (“ACA”) premium tax credits under new regulations. According to President Biden, this is the most significant administrative action to implement the ACA since the law was enacted. […]
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What Is Tax Insurance And How Can It Help You?

Tax insurance has been on the rise recently. It’s a unique solution for companies to protect themselves from unexpected tax payments. Due to the uncertainty of how the Inflation Reduction Act will affect tax filings in the coming years, tax insurance policies are appearing much more appealing.  Tax insurance offers companies many benefits. It allows […]
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How Should Employers Deal with Increased Substance Abuse and Addiction in the Wake of the Pandemic?     The physical and economic toll that the Covid-19 pandemic has had on so many individuals around the world has been overly obvious and abundant as millions of people have experienced financial and physical hardships over the last […]
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Sub-Classification Exceptions To The Mental Health Parity and Addiction Equity Act:

Under the Mental Health Parity and Addiction Equity Act (“MHPAEA”) the general rule is that sub-classifications are not permitted when applying the treatment limitation and financial requirement rules, but there are a few exceptions.  While separate sub-classifications for generalists and specialists are not permitted, separate classifications for outpatients are permitted for (1) office visits and […]
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Parity Rules for Annual and Lifetime Dollar Limits of MH/SUD Benefits Under the MHPAEA

If a group health plan (GHP) or an individual market health insurance issuer (IMHII) has established annual or lifetime dollar limits for what the plan would cover with respect to medical/surgical benefits, then the corresponding dollar limit categories for mental health (MH) and/or substance use disorder (SUD) benefits cannot be lower. Similarly, a GHP or […]
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What Happens to Plans Or Issuers That Are Not Compliant With The MHPAEA:

Both the Center for Medicare and Medicaid (“CMS”) and Employee Benefits Security Administration (“EBSA”) have committed to making mental health and substance use disorder parity a top enforcement priority under the Biden administration. As a result, more efforts have been put into determining compliance with the Mental Health Parity and Addiction Equity Act (“MHPAEA”), and […]
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The Mental Health Parity and Addiction Equity Act Is Protecting Eating Disorder Benefits:

The Mental Health Parity and Addiction Equity Act (“MHPAEA”) is taking action in helping people with mental health or substance use disorders (“MH/SUD”) get help. The Act makes it a requirement for health insurance plans to not place any additional limitations on people seeking treatment for MH/SUD that are not imposed on people seeking medical […]
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