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Are You Covering the Essentials?

With the Affordable Care Act (ACA) comes a host of concerns and uncertainty for both employers and employees. At a minimum, employees need to how the Act will impact insurance coverage options and the associated costs. With the new individual mandate, it is also essential that you communicate clearly and strategically about the ACA and the options available to your employees.

AREAS OF CONCERN

Employers and employees view health care reform differently. Effectively communicating about the ACA involves striking a balance between the way employers need to share information and how employees need to receive it.

EMPLOYER CONCERNS EMPLOYEE CONCERNS
Staffing issues What's an exchange?
Added costs Will I qualify for a tax credit?
Government "red tape" Will my costs increase?
Employer mandate Will I still have coverage through my job?

KEY INFORMATION TO COMMUNICATE

  • Summary of benefits and coverage
  • Notification of grandfathered health plan status
  • Notification of coverage options available through exchanges
  • Individual mandate description and implications
  • Eligibility rules and changes
  • Plan offerings (CDHP, discontinuing mini-med)
  • Access to provider rights (PCP/Ob-Gyn)
  • Annual enrollment materials

Although most of this information is required under the ACA, the details of your communication materials and your associated strategy will depend on your decisions regarding plan offerings for 2014. You will also want to take into consideration the direction your organization is headed with respect to health care benefits in the long-term.

ONE SIZE DOES NOT FIT ALL

One size does not fit all when comes to developing an effective strategy. The scope of changes you will be implementing will drive your communications and related tactics. It is also important to keep in mind that even if you are not making changes, employees are likely to have concerns based on the volume of information in the mainstream media.

To learn more about how Progressive Benefit Solutions, A Marsh & McLennan Agency can support your communication needs, visit our ACA website:  www.MMAAffordableCareAct.com  

Posted December 06, 2013

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