INGATE

From The Sip Trunking Experts

TMCNet:  Zane Benefits Publishes New Guidance on

[January 29, 2013]

Zane Benefits Publishes New Guidance on "Integrated" Health Reimbursement Arrangements

(PR Web Via Acquire Media NewsEdge) Park City, Utah (PRWEB) January 29, 2013 Today, Zane Benefits, Inc. published new guidance on “Integrated” Health Reimbursement Arrangements. Zane Benefits, which provides comprehensive and flexible alternatives to traditional employer sponsored health benefits, is the leader in defined contribution and health reimbursement accounts.


According to Zane Benefits’ website, On January 24th, 2013, the Department of Labor posted a new set of FAQs to clarify what criteria Health Reimbursement Arrangements (HRAs) must meet in order to be considered "Integrated" under Section 2711 of the PHS Act. As expected, the FAQs clarify that an HRA is not considered "integrated" unless: 1.    The employer offers primary group health insurance coverage that alone satisfies Section 2711, and 2.    The HRA is only made available to those employees who are enrolled in the primary group health plan coverage outlined in #1.

The FAQ also notes that the federal government plans to issue additional guidance on HRAs and Section 2711. Read on for more information on how future guidance could affect your HRA plan design.

Background on Health Reimbursement Arrangements (HRAs) According to Zane Benefits’ website, HRAs are a type of account-based group health plan and typically consist of a promise by an employer to reimburse medical expenses for the year up to a certain amount, with unused amounts available to reimburse medical expenses in future years (see Notice 2002-45). By its definition, an HRA imposes annual limits. That is, reimbursements an HRA participant may receive during a year are limited to the balance of his or her notional HRA account.

Background on Section 2711 of PHS Act and HRAs According to Zane Benefits’ website, Section 2711 of the Public Health Service Act, as added by the Patient Protection and Affordable Care Act, generally prohibits group health plans from placing lifetime and annual limits on the dollar value of "essential health benefits". On June 28th, 2010, the federal government issued interim final regulations requesting comments regarding the application of the annual limit provisions to certain stand-alone HRAs. To date, a "Final Rule" has not been issued on whether HRAs violate the Statute. However, the new FAQs hint that the departments plan to make certain HRA plans subject to the annual limit requirements.

What Does This Mean for HRAs According to Zane Benefits’ website, Based on the existing regulations, the following HRA plans will avoid the annual limit requirements of Section 2711: 1.    "Integrated" HRAs 2.    "Flexible Spending Arrangement" HRAs 3.    "Excluded" HRAs 4.    "Excepted" HRAs 5.    "Retiree" HRAs What does this mean for existing HRAs If your HRA does not currently fall into one of the above categories, you may need modify your HRA plan to avoid falling out of compliance with Section 2711.

Click here to read full article.

-- About Zane Benefits Zane Benefits was founded in 2006 to provide a revolutionized SaaS (Software-as-a-Service) administration platform ("ZaneHRA") for Health Reimbursement Arrangement (HRAs) and defined contribution healthcare. The flagship software provides a 100% paperless administration experience to employers and insurance professionals that want to offer better health benefits without a traditional group health insurance plan at lower costs. For more information about ZaneHRA, visit http://www.zanebenefits.com.

Read the full story at http://www.prweb.com/releases/2013/1/prweb10371685.htm (c) 2013 PRWEB.COM Newswire

[ Back To SIP Trunking Home's Homepage ]

Loading
Subscribe here for your FREE
SIP TRUNKING enewslettter.

Featured Partner


Featured Whitepapers

SIP Security for the Enterprise
Voice over IP (VoIP) is incorporated into a variety of computer networks, both public and private, and used for everyday transactions and communications among carriers, businesses, government agencies...

Making A Broadband Purchase Decision
Businesses today have many options for broadband connectivity. Clarifying your particular business needs prior to selecting a broadband provider will ensure an optimal match of broadband service to your requirements.

Voice-Optimized Network Delivers Premier Call Experience
Customers equate call quality with business quality. Real-time communication, interpersonal interaction, and the cordial tone of a call center representative can create a positive impression of your business that no email can match.

Featured Case Studies

Business Telecom Expenses Reduced 50%
A small to medium sized company in the midwest was interested in migrating to IP Communications, but in today's economy, they were hesitant to upgrade their communication system due to their perception that the cost would outweigh the benefits.

Multi-State Company Cuts Telecom Costs 50%
A multi-site, multi-state company with extensive monthly long distance fees and toll-free charges did not have adequate broadband for Broadvox SIP Trunking requirements, nor did they have a SIP enabled telephone system.

Discover Leisure Connects Remote Users to its IP-PBX
Discover Leisure is one of the largest resellers of caravans and motor homes in the UK. With 15 branch of?ces all over the country, the company spent a great deal of money every month just on internal phone calls.

Featured eBOOKS

Internet+: The Way Toward Global Unified Communication
Connecting the telephony of the enterprise PBX or Unified Communications (UC) system using SIP trunks instead of conventional telephone lines has been very successful in recent years.

What is SIP Trunking? Edition 2
SIP trunking is becoming more of a focus for service providers. One key issue many service providers face when deploying SIP trunks is NAT, or Network Address Translation, traversal.

What is SIP Trunking? Edition 1
A vast resource for information about all things SIP - including SIP, security, VoIP, SIP trunking and Unified Communications.

Featured Videos

Broadvox VAR Testimonial VAR 1:
Part 1 of the VAR (Value Added Reseller) Partner Program Testimonials for Broadvox...

E-SBCs AS The Demarcation Point:
Ingate's Steve Johnson talks to Erik Linask about the role session border controller plays as the demarcation point at...

Demystifying DPI
How can deep packet inspection protect your SIP traffic as well as your entire network?

Featured Resources

Partner Program Overview:
Over 4,000 VARs, Master Agents, Solution Providers, and Independent IT Professionals trust Broadvox. We offer customized services and solutions to fit seamlessly into any company's business model. And when you partner with Broadvox, every member of our team stands behind you and your customers 100%...

SIP Trunk UC Summit

What's New

Presenting the New Ingate/Intertex Website:
Internet+ is an extended Internet access allowing high quality SIP (Session Initiation Protocol) based real-time person-to-person communication, everywhere and for any application. It applies to both fixed and mobile networks ...

Featured Blogs

Featured Webinars

Secure SIP Trunking:
What You Need to Know

Successfully Deploying Enterprise SIP Trunking:
Tools and Techniques for Overcoming Common Roadblocks

Featured Podcasts

Getting the Most Out of Your SIP Trunks:
Ingate's Steve Johnson and TMC's Erik Linask discuss how best practices forgetting the most out of SIP Trunking services and common pitfalls to avoid.

Featured Datasheets

Ingate SIParator E-SBCs
Adopting SIP is a simple process with the Ingate SIParator, the secure enterprise session border controller (E-SBC). The SIParator makes secure SIP communications - including VoIP,SIP trunking and more - possible while working seamlessly with your existing network firewall.

Ingate Firewalls
Everyone is talking about enterprise usage of VoIP, instant messaging and other types of realtime communications including presence and conferencing.

SIP Trunk Solutions for Service Providers
The award-winning Ingate Firewall and Ingate SIParator deliver a high quality, reliable SIP trunk connection between the customer's IP-PBX and the service provider network, and solve interoperability issues to simplify deployments and support for remote diagnosis of reported issues.