Benefit Well
Benefits advice from your FH Insurance Team.

New Guidance on No Surprises Act
Recently, the Departments of Labor, Treasury, and Health and Human Services (the “Departments”) released new frequently asked questions (FAQs) on the No Surprises Act and the Transparency in Coverage Read More



Colorado FAMLI Updates
On November 1, 2022, the Division of Family and Medical Leave Insurance (FAMLI) adopted final rules that employers must follow if they wish to offer a private plan under Read More


Colorado FAMLI Updates
FAMLI Wage Reporting Offering 30-day Grace Period Reporting wages and premium payments are due April 30, 2023, and thereafter on a quarterly basis. A 30-day grace period is Read More


PCORI Fees Update
The IRS is raising the fee that insurance issuers or sponsors of self-insured health plans pay annually to fund the federal Patient-Centered Outcomes Research Institute (PCORI) trust fund. The fee Read More



United Healthcare News
New Requirements for Gastroenterology Services Beginning June 1, 2023, prior authorization for certain gastroenterology endoscopy services for UnitedHealthcare plan members. Please note that screening colonoscopy procedures are not Read More


May is Mental Health Awareness Month
Employers are in a powerful position to help their employees take care of their mental health needs. Certainly, they can offer the benefits and accommodations that can help their Read More


Goodbye COVID National Health Emergency Status!
On April 10, 2023, President Biden signed a congressional resolution ending the US national emergency to respond to the COVID-19 pandemic weeks before it was set to expire alongside Read More


1095 Reporting Extension
On December 15, 2022, the Internal Revenue Service (IRS) issued final regulations that permanently extend by 30 days the deadline for furnishing Form 1095-C and Form 1095-B to individuals. Read More


Telehealth And Your HSA: A Guide For HR Professionals
Telehealth has become a popular option for many employees seeking medical care, especially during the ongoing COVID-19 pandemic. It provides a convenient and safe way for individuals to receive Read More


Colorado Family and Medical Leave Program
On November 3, 2020, Colorado voters approved Proposition 118 which creates a state-run Paid Family and Medical Leave Insurance (FAMLI) program for Colorado workers. The FAMLI program will ensure Read More


IRA & Medicare Drug Pricing Reforms
Inflation Reduction Act (IRA) Signed into Law, Includes Multiple Medicare Drug Pricing Reforms On Aug. 12, the Inflation Reduction Act of 2022 (IRA) passed the U.S. House by a Read More



PCORI Fees Update 2022
Patient-Centered Outcomes Research Trust Fund (“PCORTF”) fees are due by July 31, 2022. By way of background, at the end of 2019, the Federal Government reauthorized the annual payment Read More


Upcoming Webinar: Workplace Wellness Programs and Compliance with DOL & EEOC Rules
Date: Wed July 13, 2022 2:00 pm to 3:00 pm MDT During this informative webinar Stacy H. Barrow, Esq., BAN’s Director of Compliance, provides an overview of the legal and Read More


Upcoming Webinar: HCM Trends Update
Date: Wed February 9, 2022 12:00 pm to 1:00 pm MDT In the world of Human Capital Management, Bobbi Kloss’s webinar provides current information on… Join us to educate yourself Read More



The No Surprises Act
The No Surprises Act The No Surprises Act (NSA) was signed into law on December 7, 2020, as part of the Consolidated Appropriations Act, 2021 (CAA). On July 13, Read More


Access to Free Covid-19 Tests Expanded
Group Health Plans are Required to Cover the Cost of At-Home COVID-19 Tests, Increasing Access to Free Tests The Biden-Harris Administration is requiring insurance companies and group health plans Read More


New Colorado Wage Rules
New Colorado Wage Rules Minimum Wage The minimum wage in Colorado will increase to $12.56 per hour. The minimum base wage for tipped employees will be $9.54 per hour. Read More


Employer Reporting Refresher for 2021 Filing
As we get nearer to the deadline for 2021 ACA reporting, we wanted to provide you with a refresher of some of the requirements for the reporting year.


ARPA Premium Subsidy Expiration
ARPA Premium subsidy Experation The IRS recently released IRS Notice 2021-46, which provides new guidance and clarifications regarding the COBRA premium subsidy in the American Rescue Plan Act (“ARPA”). Read More


Medicare Part D Notice of Creditable Coverage
Medicare Part D Notice of Creditable Coverage August is well underway, so employers should be starting to prepare to send their employees the Medicare Part D Notice of Creditable Read More


Employers Offer Vaccine Incentives Under New EOCC Guidelines
Employers Offer Vaccine Incentives Under New EOCC Guidelines The EOCC has issued new guidance that allows employers to offer incentives to employees who have been vaccinated or may be Read More


Overhaul of Employer Based Retirement Plans
Overhaul of Employer Based Retirement Plans On May 5, the House Ways and Means Committee unanimously passed the Securing a Strong Retirement Act of 2021. The bill has considerable Read More


Notice of Class Action Settlement in BCBS Antitrust Lawsuit
Notice of Class Action Settlement in BCBS Antitrust Lawsuit Since approximately 2013, Blue Cross Blue Shield Association (BCBSA) has been defending claims in a class action antitrust lawsuit alleging Read More


Medicare and HSAs
HSAs & Medicare by Roger D. Garrett, CLU, ChFC, CSS, LUTCF Careful planning is essential when you are approaching enrollment in Medicare and participating in funding a Health Savings Read More


2021 Patient-Centered Outcomes Research Trust Fund (“PCORTF”) Fees
2021 Patient-Centered Outcomes Research Trust Fund (“PCORTF”) Fees April 7, 2021 As a reminder that the annual Patient-Centered Outcomes Research Trust Fund (“PCORTF”) fees are due by July 31, Read More


Colorado Secure Savings Program
2021 Update: Colorado Secure Savings Program Colorado Senate Bill 20-200 was passed in July 2020 and the State is looking to enact it in July/August 2021. Businesses with five Read More


Sit Up Straight
ERGONOMIC TIPS WHILE WORKING FROM HOME As we adapt the way we work to the best suggested practices at this time, this is an excellent opportunity to review some Read More



PCORI Fees Update 2022
Patient-Centered Outcomes Research Trust Fund (“PCORTF”) fees are due by July 31, 2022. By way of background, at the end of 2019, the Federal Government reauthorized the annual payment Read More