Worthington Capital Group, Ltd. - Consultants, Brokers, Research
Buy insurance online:

CareFirst BCBS Medigap plans and rates; Individual medical plans and rates: 


Mutual of Omaha Medigap plans and rates:



These plans pay what Medicare does not - deductibles, copays, excess charges, and convert your coverage to potential first dollar coverage.  The objective is to lay off the risk of high medical bills. 


International Medical Group Global Medical & Travel Insurance:
 
Traveling abroad and looking for global medical and travel insurance? We have everything you need to buy travel medical protection online including coverage for executive travel, exchange students, international employees, extreme sports, sky rescue and student health coverage.  Follow the green link above and please contact us for additional information or assistance.
 
 
PPACA update

ACA update for US Employers:
In a technical release dated March 5, 2014, the transition period has been extended until 2016 and the individual mandate to purchase insurance or pay a penalty has been delayed until 2016.  The Treasury Department, in regulations outlining the Affordable Care Act, said employers with 50 to 99 full-time workers won't have to comply with the law's requirement to provide insurance or pay a fee until 2016. Companies with more workers could avoid some penalties in 2015 if they showed they were offering coverage to at least 70% of full-time workers.

Consumer out-of-pocket protection limits effective January 2015;  Pay or Play for 50+ Employers effective January 2015
Health Plan Identifierhttp://www.cms.gov/Regulations-and-Guidance/HIPAA-Administrative-Simplification/Affordable-Care-Act/Health-Plan-Identifier.html  Health plans (except small health plans) are required to obtain HPIDs by Nov. 5, 2014. Small health plans are required to obtain HPIDs by Nov. 5, 2015. All covered entities are required to use HPIDs in the standard transaction by Nov. 7, 2016.
ACA update – technical release 2013-02 http://www.dol.gov/ebsa/newsroom/tr13-02.html 
Model notice – FLSA with a health plan – http://www.dol.gov/ebsa/pdf/FLSAwithplans.pdf

One of the new requirements under the Patient Protection and Affordable Health Care Act (known as PPACA or Obama Care) is that group health plan participants must receive a Summary of Benefits and Coverage (SBC). The SBC contains a summary of the key benefits and cost-sharing provided through the health plan, a link to the glossary of terms, and a discussion of other policy conditions or limitations.