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Our Passion for Subro blog has moved to our company’s main website https://www.phiagroup.com.

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Recent Posts

Urgent Care Education Could Reduce Employer Health Care Costs

October 21, 2011 (PLANSPONSOR.com) – Employers experiencing higher medical costs due to unnecessary emergency room utilization by employees may be able to reduce th
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W-2 Reporting: Employers Should Start Gearing Up to Report the Cost of Employer-Sponsored Group Health Coverage

Under health care reform, employers are required to report to employees the cost of their employer-sponsored group health plan coverage. This reporting is for information
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Wal-Mart Cuts Some Health Care Benefits

After trying to mollify its critics in recent years by offering better health care benefits to its employees, Wal-Mart is substantially rolling back coverage for part-tim
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HHS Releases Final Regulations For ACOs

The Obama administration on Thursday bowed to health industry concerns about its plans for Medicare accountable care organizations, making it easier for doctors and hospi
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State Health Care Reform Update

For the last few years, states have been leading the way toward more comprehensive health care coverage to ensure that more people have or can obtain health insurance. Wi
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What’s Next on the Road to Health Care Reform for Group Health Plans?

The health care reforms introduced in 2010 take effect in stages. The IRS, DOL and HHS delayed the enforcement of some market reforms that took effect for group health pl
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Questions About Essential Health Benefits

The Institute of Medicine (IOM) recently issued its long-awaited report on defining the essential health benefits under the Affordable Care Act (ACA). As expected, the co
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The Bottom Line: How the Affordable Care Act Helps America’s Families

Over the last two decades, paying health insurance premiums and other health care bills has become increasingly hard for American families. As premiums have gone up each
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Interpreting Ambiguous Plan Language

So half the parties interpreting a possibly ambiguous plan term that is subject to discretionary review come out one way in reading the term, and the other two the other
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As open enrollment starts, employers push health

Employers make push for wellness as costs go up, packages go out. Employers across Georgia are tucking a strong message into benefit enrollment packages going out to empl
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A look at the current state of grandfathered plans under health reform

The Patient Protection and Affordable Care Act (PPACA) provided new standards for employer-sponsored health plans but many of those standards do not apply to so-called “g
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Many Workers Clueless on Health Care Costs

October 17, 2011 (PLANSPONSOR.com) – According to a new survey, fewer than half (47%) of respondents with employer-based health care coverage can confidently say ho
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Is Your Self-Funded Health Plan Unhealthy?

Here are some conditions, symptoms and treatments for ineffective self-funded medical plans.
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The Pros and Cons of Self-Insurance

Such medical plans can be effective for mid-sized employers, but HR leaders must carefully consider all aspects of the plans before signing on to one. This article accomp
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To Self-Insure…Or Not?

Many companies have found that self-insured healthcare — combined with effective wellness program saves money and aggravation. But healthcare reform may prove to be
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