EBIA's Consumer-Driven Health Care: Agenda
The latest guidance plus coverage of wellness programs!
“Excellent, informative, very valuable.”
12:30 p.m.
Registration
1:00 p.m.
What Is Consumer-Driven Health Care? An overview of common vehicles that give employees a financial stake in health care decisions: health FSAs, HRAs, and HSAs.
Wellness and Disease-Management Programs. Common designs; HIPAA, GINA, ADA and other legal compliance issues.
Health Reimbursement Arrangements (HRAs). What are the essential elements of an HRA? Whose expenses can be paid? What restrictions apply when HRAs are offered in conjunction with major medical? What effect do the annual limit restrictions under health care reform impose? What expenses can be reimbursed? What claim substantiation and adjudication issues apply? What carryover restrictions are permitted? How do HRAs interact with health FSAs and HSAs? What HIPAA, COBRA, ERISA, and other concerns are there? What changes are required by health care reform?
2:45 p.m.
Coffee Break
3:00 p.m.
Health Savings Accounts (HSAs). Who can have an HSA? What’s a high-deductible health plan and can it offer any first-dollar coverage? Can an employee with an HRA, health FSA, or other coverage have an HSA? What amounts can an individual or employer contribute to an HSA? What is the full-contribution rule? How are employer contributions taxed? What and whose expenses can be reimbursed tax-free by an HSA? What timing restrictions apply to reimbursements?
Offering HSAs in the Workplace. What nondiscrimination and reporting rules apply? What is comparability and when does the cafeteria plan exception apply? Consequences of offering contributions through a cafeteria plan. Can employers restrict HSA distributions? Do ERISA and COBRA apply? What reporting requirements apply?
Which Design for Which Employer? With so many options, what can an employer do to maximize its particular goals?
4:30 p.m.
HSAs, HRAs, and Consumer-Driven Health Care program ends
