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Health Care for Out of State Students

Jul 25, 2018 11:05:15 AM / by Kelley Filice Jensen posted in Front Page Post, Kelley Jensen, Student Health Care

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My child is going to school in California (or a different state than I reside) what should he do about health insurance?  Currently, he is covered by a plan in the state our family lives.

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What the Fund? All about Fully, Partially and Self-Funded Health Plans

Aug 26, 2015 4:11:24 AM / by Kelley Jensen posted in ACA, Affordable Care Act, benefits CONSULTING, fully-funded health plans, fully funded plans, Kelley Jensen, partial self-funding, partially funded health plans, self-funded health plans, self-funded plans, self-insured plans

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What is the difference between fully funded, self-funded and partially funded?

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Autism And Employee Benefits: The Self Insured Gap

Aug 25, 2015 9:02:13 PM / by Kelley Jensen posted in ABA, ACA, Affordable Care Act, applied behavior analysis, Autism, autism spectrum disorders, benefits CONSULTING, Employee Retirement Income Security Act, ERISA, fully insured plan, Kelley Jensen, self-insured plan

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Employers provide health insurance benefits to their employees and families because they want to be competitive with other employers, retain their workforce; and maybe, as a result of the employer mandate portion of the Affordable Care Act, are required to offer health insurance to avoid penalties.

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Ask the Account Manager Series: Software or Service?

Aug 18, 2015 12:16:32 AM / by Kelley Jensen posted in account manager, App as Service, ask the ACCOUNT MANAGER, Data as Service, #hereforyou, HR department, HR departments, Kelley Jensen, Software as Service, technology, Technology as Service

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Is it Time to Review your Company-Sponsored Retirement Plan?

Jun 24, 2015 3:25:29 PM / by Kelley Jensen posted in 401(k) plan, 401(k) plan sponsor, advisor, Affordable Care Act, benefits CONSULTING, broker, Company-Sponsored Retirement Plan, company-sponsored retirement plans, ERISA, ERISA plan decision, Kelley Jensen, plan investments, Tibble v. Edison International

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Earlier this year, the U.S. Supreme Court heard arguments in the case of Tibble v. Edison International, a lawsuit that centered on an alleged breach of fiduciary duty by a 401(k) plan sponsor. On May 18th, the Supreme Court issued its unanimous opinion on Tibble.

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Employee Severance: Timing COBRA Payments

Feb 16, 2015 12:56:08 PM / by Kelley Jensen posted in ACA, Affordable Care Act, COBRA, COBRA payments, employee severance, Kelley Jensen, Obamacare

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In a post ACA world, employers who offer COBRA payments for a period after an employee’s termination should be VERY CLEAR that when employer COBRA severance ends, the terminated employee will pay the entire COBRA payment and will NOT be able to purchase a less expensive individual health plan outside of the open enrollment period.

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Top 5 Lessons Learned for Covered CA’s 2nd Enrollment

Nov 12, 2014 12:27:49 PM / by Kelley Jensen posted in ACA, Affordable Care Act, Kelley Jensen

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We are on the eve of Covered CA’s 2nd open enrollment period, consumers be ready. Here is a list of 5 lessons learned from the first open enrollment period that will help those that need to buy health insurance during the 2nd open enrollment:

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Employers and Medi-Cal "Do's"  –  Best Practices

Sep 10, 2014 12:53:15 PM / by Kelley Jensen posted in ACA, Affordable Care Act, best practices, Kelley Jensen, Medi-Cal, Medicaid

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Medi-Cal, the California version of Medicaid, was expanded by the Affordable Care Act. Medi-Cal is available for those that qualify, regardless of affordable health insurance offered through an employer. This makes Medi-Cal an important option for low-wage earning employees to consider when evaluating their health insurance options, and an important benefit educational item for their employers.

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Open Enrollment and Special Enrollment Periods

May 12, 2014 12:37:10 PM / by Kelley Jensen posted in 2015 ACA, Affordable Care Act, Kelley Jensen, Obamacare, open enrollment, SEP, special enrollment period, the Affordable Care Act

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One VERY significant change to the individual health insurance market made by The Affordable Care Act (ACA, Obamacare) is the implementation of open enrollment and special enrollment periods. Prior to the ACA, an individual could purchase health insurance from an insurance carrier anytime, but the insurance carrier could reject an application, based on a pre-existing condition of the applicant.

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