Ready to Handle MLR Rebates in 2012?
Understanding the New Rules for Employer Health Plans
Available immediately
Under health care reform’s medical loss ratio (MLR) rules, health insurers must issue rebates unless at least 85% of each premium dollar—80% in the small group market—is spent on clinical services and health care quality improvement. New regulations require insurers for most employer health plans to pay rebates to the policyholder (usually the employer) and make the employer liable for proper handling (which may require an allocation for the benefit of employees). First rebate payments are due on August 1, 2012: Whether you are an employer/sponsor of an insured plan, a TPA, or a plan advisor, this 90-minute web seminar will get you up to speed on the fiduciary, tax, and other implications of rebate payments.
Originally presented on January 19, 2012.
Seminar Level
Topics Covered
Here’s some of what was covered:
- Overview of the MLR rules, including different rules that apply to different plans (private-sector, governmental, and church plans) and implications for plan TPAs.
- New Technical Release 2011-04 for ERISA plans, including when rebates must be treated as plan assets, fiduciary considerations in choosing how to allocate rebates, and ERISA trust implications.
- New HHS interim final regulations for governmental plans (subject to the PHSA), including the required allocation of rebates and proper application for the benefit of employees.
- Rules for church plans not subject to ERISA, including required assurances of proper treatment of any rebate actually received from a plan insurer.
- Bonus! Since so many insured plan sponsors also sponsor health FSAs, we’ll review the rules that apply to health FSA forfeitures, which raise similar fiduciary and related issues.
Details
Speakers: Andrew Ky Haynes and Christine Williams. Mr. Haynes is a Shareholder and Director of Haynes Benefits, P.C. in Kansas City and a Contributing Author of EBIA’s HIPAA Portability, Privacy & Security and Group Health Plan Mandates manuals. Ms. Williams is an attorney, Of Counsel with Perkins Coie LLP in Los Angeles and a Contributing Author of EBIA’s Health Care Reform manual.
Handouts: A handout of the seminar slides and other information is provided through download.
Viewing Details
- Accessing the recorded web seminar: After you purchase a recorded web seminar, you will receive an email with access information. You and your co-workers may then view the recording as many times as you wish for 60 days. An internet connection is required to view the recording; it can be stopped and started as needed and has a table of contents for easy navigation.
- Recordings are accurate as of the date presented: Our recordings are accurate as of the presentation date of the live seminar. We supplement handout materials with articles from the EBIA Weekly covering significant later developments. You must check the table of contents at your access link for updates before viewing a recorded seminar.
- Please respect our copyright: Do not record the web seminar, share the access link, or duplicate materials. For details on our copyright policy, please visit our Copyright page.
System Requirements for Recorded Web Seminars
EBIA uses WebEx technology for the seminar. You may wish to view system requirements, test your system and download any necessary WebEx software here:
http://www.webex.com/lp/jointest/
If you are not able to complete the WebEx installation, please contact WebEx technical support at (866) 863-3904.
