|
|
Posted By Starboard Creative, LLC,
Monday, May 8, 2023
|
When was the last time you felt taken care of by your healthcare coverage? When was the last time you were comfortable making an unrushed and fully informed decision when it's time to renew your coverage? When was the last time you got money back from your health insurance carrier? NAPS360 Healthcare is here to show you the light at the end of the tunnel and give you total control of your healthcare. Through them, you can find simple healthcare coverage that you and your team understand and know that your best interests are at heart.
As You Shop Or Renew
It is important to evaluate which plan is right for you and your team members. Knowledge is power, especially when referencing healthcare coverage. The licensed advisors at NAPS360 Healthcare ensure your priorities in healthcare coverage are taken into account while ensuring the plans offered fit your needs. This is when you achieve your coverage goals.
The first step to uncovering your new complete healthcare coverage solution is to determine what type of plan fits your needs. The second fundamental component to quality coverage is determining which healthcare coverage company best covers your needs and location. Finally, it’s time to start asking questions about additional benefits like does your coverage include a team to help you save money and alleviate stress?
Here to Help
Healthcare Coverage is a monumental task that we put off until the last possible moment. Overall, it is seen as confusing, overwhelming, and expensive. While it can be all these things, with NAPS360 Healthcare and their process, it is easy to grasp, easy to understand, and has many different opportunities to save you and your team money. They help you make this big decision with peace of mind knowing you made the right choice. With proprietary plans, options in all 50 states, the oldest and largest networks in the country, and new carriers in addition to a team of licensed advisors and additional suite of benefits to ensure your team is covered and you are OCH compliant.
“We are seeing a saving 25% on premiums, while moving from a $6,000 deductible to $0. We are excited to have this benefit and the ability to save!”
-Donna G. in Florida
Additional benefits? Yes, in addition to plans with $0 deductible, you will find select plans include a suite of non-insurance benefits to help your team stay healthy and happy. These benefits include telemedicine, work life balance, medical bill saver, health advocacy, and prescription savings for the entire team. For the office you will be OCH, OSHA and COBRA compliant. This means you have less to worry about overall as an office manager.
Ready to Shop?
Ready to compare healthcare coverage options? Thanks to NAPS360’s partnership with MyHealthily, NAPS360 Healthcare makes it easy to save and gives you the best chance at health, happiness, and peace of mind with your decision. Have a plan you already love? Provide the plan information to your advisor and see if it is really the best fit, if so, we will tell you, and if not, your advisor will find the best plan options. Now take a deep breath and get ready to reap the benefits of having a partner in healthcare coverage like NAPS360 Healthcare!
This post has not been tagged.
Permalink
| Comments (0)
|
|
|
Posted By Administration,
Thursday, February 2, 2023
|
When it comes to the topic of accessibility of healthcare coverage everyone agrees there needs to be reform but cannot agree on how or what changes to make. The pandemic shook the globe and demonstrated specifically to Americans what the true cost could
really be for those without health insurance.
The Current System
Here is what you need to know about the structure of modern health insurance coverage in the United States.
- Healthcare coverage companies prior to 2008
could deny individuals due to pre-existing conditions, meaning they would not be able to be insured due to perceived ‘high risk’. The Affordable Care Act extended healthcare coverage to millions of Americans and mandated coverage of those with pre-existing
conditions.
- Insurance carrier stock prices are up >200% since the inception of ACA. Most, if not all reported quarterly earnings at all-time highs in FY 2020. Health insurance companies profit at least 3-5%, with most of their expenses including
unnecessary overhead like advertising/marketing, executive salaries, and shareholder ROI.
- Most general healthcare coverage plans are the same and offer similar benefits, networks, and price points. They all vary in premiums and deductibles
limits.
- The cost of healthcare coverage is rising at a minimum rate of 9% per year.
Looking Forward
The future of healthcare coverage is pointed in a global direction. If 2020 taught us anything, it’s that a virus discovered on the other side of the globe can travel
and effect the entire world and all of those in it in a matter of weeks. It’s also shown us the importance of ensuring everyone has access to outstanding preventative medical care at a fair price. Since the world is more interconnected than ever,
select carriers even host global healthcare coverage for travelers and those working from remote locations. The industry is innovating with the times especially in the United States. These innovations are driving widespread access at lower costs and
provides patients with more possibilities to receive life changing care through advanced technologies, resources, and funding. These items lead to 21 st century advancements in healthcare, and healthcare coverage by extension also needs to modernize.
Data is King
The way healthcare will look like in the future centers around data. Data is constantly being collected in all areas of our lives, and in this instance, it is not being
sold to third parties and you can save money as a result! Carriers like BEAM and Oscar offer wellness programs to their customers centered around incentives for healthy lifestyle choices. Many companies pair incentive programs with fitness trackers
and other innovative technology pieces to gain encrypted, secure, and anonymous data about those enrolled in healthcare coverage and provide discounts based on active lifestyle choices.
Where Technology Fits In
Another way technology has really changed healthcare coverage in the last year is access to remote providers. Some healthcare coverage plans include non-insurance
benefits to reduce claims on your insurance while providing the healthcare needed. Telehealth is one of these type benefits where you are able to speak with a licensed medical professional 24 hours a day seven days a week and if needed can be prescribed
medication. Another similar benefit is work/life care balance where you can speak with a licensed counselor to help you with what is going on in your life 24 hours a day seven days a week. Finally, technology can help by sorting through your insurance
claims, and ensuring everything is correct and you are not overpaying for the healthcare you received. Medical Bill Saver helps ensure that you are not the one in ten insurance claims that is incorrect and will negotiate the bill on your behalf saving
you not only money but time and stress!
Choosing The Best Coverage
As you look at your healthcare coverage options in this globalized marketplace it’s even more important to ensure you make the choice that is right for you
and your team. NAPS360 and MyHealthily created Nap360healthcare.com to help you find what you need in order to make that right choice. This even includes a suite of non-insurance benefits included with every plan, nationally recognized carriers, innovative
products from carriers you’ve never seen before, and a support team to answer your questions.
Schedule a Call
Visit Naps360healthcare.com to schedule a call with a trusted advisor at a date and time that works for you. They will be able to walk you through plan options and
assist you with enrollment.
This post has not been tagged.
Permalink
| Comments (0)
|
|
|
Posted By NAPS Editor,
Monday, November 7, 2022
|
 Health insurance is a big benefit with a big cost attached to it. The process of picking the
plan is pressure packed, frustrating, overwhelming, and confusing. The result for all your
troubles: an overpriced plan that you and your employees don’t really understand.
At this moment, you may be thinking one of two things: “oh my gosh, this is me!” or “wow, I’m
so glad I chose NAPS360Healthcare.com as my complete healthcare coverage solution!”. If you
unfortunately feel yourself gravitating to the first thought, your next question should be, “what
should I do now?”. Ask these 5 questions to help ensure that your healthcare coverage is
working for your small business.
1. Do the benefits that the provided plan is offering meet the needs of
your employees?
Investing in your employees’ health and happiness through the benefits your small business
offers is an investment in your human capital. If your employees, that help the company run
every day, are healthy or have the means to maintain their health, then the company is
ultimately healthier, more productive, and more successful. Remember, insurance, like
everything else, is not one size fits all, no matter how much someone will try to sell you on that
dream. You need a certain flexibility of benefits that offers options for employees to customize
their coverage as much as possible to their needs.
2. Do your employees completely understand the full extent of the benefits that are
offered to them?
We all can recall a situation when we were confused and overwhelmed about a foreign
concept. Chances are you were extremely frustrated especially if there was a deadline
involved. This is a natural emotion, but it should not be the norm when buying healthcare
coverage for you and your employees. Let’s be honest, health insurance will not be the most
exciting purchase you ever make, but it will be one of the most important ones. An easy to use
and understand digital platform makes research easy and confusion over insurance a thing of
the past. Make sure that your employees understand what is being offered so they can use
their benefits to the full extent and make informed decisions. No one likes surprises when it
comes to their money or their health.
3. Does your healthcare coverage have strict in network restrictions?
Many health insurance plans restrict how and when you can obtain care. In some instances,
you cannot see the doctor of your choosing without jumping through hoops. This can be very
stressful especially when it comes to healthcare coverage for a small business. A small,
restrictive network poses more limitations than ever before. Before committing to a health
insurance plan for your small business, make sure that the network meets the needs of your employees, or better yet, do away with in and out of network constraints altogether and find a
plan that offers quality coverage anywhere. As a member of NAPS, you have
NAPS360Healthcare.com on your side to help you find these types of options.
4. Does your coverage include a team to help you save on your
healthcare expenses?
Healthcare coverage is an extremely important decision to make. To appropriately evaluate
which plan is right for you, there are a few early steps that are essential to making sure the plan
you select is the right fit for you and your employees. Luckily for you, we already talked about
the importance of understanding your personal healthcare needs and imploring your
employees to do the same. Next you should look to find an insurance expert that is in your
corner, that will offer you unbiased advice, education, and ongoing support throughout the
year. As an employer you want to ensure you aren’t overextended by providing the best
benefits for your company. Trust the plan and program that steps in and makes sure you are
getting the best bang for your buck.
5. Do you have accessibility to telemedicine with your current plan?
Telemedicine is a foundational piece of what healthcare coverage will look like in the future.
After the crazy year we have all had, everything is virtual. Why not see a physician virtually as
well? You may even have access to telemedicine physicians and not even know it! That’s why
having someone to show you how to use it is imperative. Telemedicine offers quality healthcare
24/7 at just the click of a button. It is convenient and accessible, sometimes without the large
cost attached to a single office visit. You can even get access to extended specialist and
referring physician services. Stick with the times and make sure that your health insurance
provider is giving you the most up to date benefits to save on your healthcare costs while
reducing your insurance claims.
As you move through life, it is important to always ask questions. Questions further
understanding, understanding motivates action, and informed action achieves success. Ask the
right questions and save on your health insurance today. It is never acceptable to settle for less,
especially when it involves you and your family’s health! To learn more about how you can
benefit from your membership benefits, check out NAPS360healthcare.com.
This post has not been tagged.
Permalink
| Comments (0)
|
|
|
Posted By NAPS Editor,
Thursday, August 4, 2022
|
 Healthcare is probably one the most expensive line items on your balance sheet. For decades now, small
businesses have been conditioned to look at health insurance in 12-month intervals, instead of with a
long-term strategical lens. What if there was a way to look at health insurance as a vehicle to sustainably
lower long term operational costs?
Most employers have a strategy for growth, a strategy for sales, a strategy for their workers
comp/business insurance and everything in between but not health insurance. Large companies have
the resources and infrastructure on their side to help control healthcare costs. They also have carriers
and brokers at the ready offering them preferential treatment. All while small businesses question if
they can even afford to offer health insurance.
As a small business, it's understandable that you have not had the time or the resources to dedicate to
establishing and adhering to a strategy to lower your healthcare costs. Luckily through NAPS, you now
have the tools and the expertise to do so! The question isn’t how do I pay the lowest amount over the
next 12 months but what do I do to consistently lower my long-term costs in the coming years.
One way to start lowering healthcare coverage cost is by looking at plan options like level funding. Level
Funding is an out of the box risk financing vehicle that is a steppingstone between fully insured and self-
insured options. Level funded plans typically include three main components: administrative costs,
individual/aggregate stop loss coverage, and claims. (We know this sounds confusing; we promise to
explain.)
Level Funded plans give small businesses the freedom and autonomy of self-insurance with the financial
protection of a fully insured plan. The company funds their small claims to the carrier monthly at their
maximum liability. If the insured exceeds that maximum, then the carrier steps in and covers the
payments. This is known as your ‘stop loss’.
At year end, the carrier does an audit of the insured’s incurred small claims vs the amount that was
funded throughout the year to see if there is a surplus or deficit. If there is a surplus the employer can
receive some of the unused claim funds back! A team of proactive experts, a bundle of supplemental
tools, and employee educational content throughout the year can help you adhere to your strategy and
see potential return of claim funds.
Level funded plans deliver several benefits for small employers: Cost savings, plan design flexibility, less
red tape bureaucracy, lower health insurance taxes (employer facing) and access to claims data. How
can this help me realize the strategy I need?
Claims are basically the holy grail to determine whether your insurance carrier is profiting off your
employees or whether you are costing them money. This is why most carriers refuse to share this
information if you are a small business. When you have access to your claims, it makes creating a
healthcare coverage strategy simple.
Level Funded plans offer flexibility that is unmatched by its fully insured counterparts. There are less
restrictions on what an employer can do with a level funded plan, offering you flexibility with plan
designs. By having more freedom with a Level Funded option, you are more likely to have plan
continuity year to year which would not restrict access to care for your employees. Furthermore, by funding your claims in small increments (without paying the fully insured overhead of an insurance
carrier), you get increased flexibility with improved cash flows throughout the year. If those things
weren’t enough, level funded plans also allow employers to lower their state health insurance taxes!
If you are a small business and are tired of the cookie cutter overpriced fully insured options, level
funding could fit your needs. As an NAPS member you have exclusive access to NAPS360Healthcare.com
where you can learn more about your healthcare coverage options and speak with a licensed consultant
to see if level funding could help you build the right healthcare coverage strategy.
This post has not been tagged.
Permalink
| Comments (0)
|
|
|
Posted By Administration,
Monday, May 9, 2022
|
 One of the biggest dilemmas facing small business owners today is whether to offer health
insurance as an employee benefit. Each year, small businesses are faced with the task of weighing the pros and cons of offering group health insurance to their employees and themselves. “I guess because of the pandemic I have to offer insurance.” “Will
this help my business?” “Can I afford to offer these benefits?” “How will this affect my bottom line?” “I don’t know anything about insurance, how would I answer my employees' questions?” We wanted to highlight some of the reasons why health
insurance is a must-have offering for every employer, no matter the size. 1.) Improved Hiring and Recruiting
- A recent survey of small businesses across the United States found that 66% of employers offering health
insurance benefits to their employees did so to hire and retain the best employees. The data on the employee end is even more drastic. - According to a 2017 survey from Lending Tree found that 33% of people have turned down a job offer due
to lack of employee benefits. - Finally, and most notably, a survey in 2016 from Fractl published in the Harvard Business Review noted that 88% of respondents would be more likely to take a lower paying job if health insurance were offered. - A 2018 survey from Willis Towers Watson showed that 46% of respondents cited health insurance as a key consideration in choosing their current employer. With only 55% of US based companies with less than 100 employees offering health
insurance, providing an attractive benefit to potential talent is a way to set you apart from the rest of the pack. In a small business, one employee represents a substantial percentage of your overall team. Being able to attract the right employees can
be the difference in a success story and an ultimate disaster. This is even more true in the post-pandemic era where small businesses need to pull out all the stops to attract top talent. 2.) Better Employee Retention
With all the challenges of finding and hiring the right employees comes the challenges of keeping them on board. Dealing with both the direct and indirect turnover costs are a burden for any company let alone a small business. The direct cost of finding,
onboarding, hiring, and training a new employee exacerbates the indirect costs of lost productivity, gaps in customer service, not achieving your businesses core competencies, or any adverse effects on company culture. Some studies have been done to quantify
the actual cost of employee turnover, with one study concluding that the average business spends 21% of an employee’s salary to replace him or her. - 56% of employers who were offered health insurance through their current employer answered
that their coverage was a deciding factor in their decision to stay with their company. Given the importance of employee retention on small businesses, the ability to offer health insurance is paramount as it provides a stickiness to employees and mitigates
the possibility of turnover becoming an issue to overcome. (On top of the endless issues you must deal with as a small business owner.)  3.) Tax Incentives
Most often, the largest driving factor keeping employers
from offering health insurance benefits are the premium costs. Many businesses, especially smaller ones, worry that the price tag of offering coverage to their employees may break the bank. Thankfully, tax incentives can help small businesses weather
the burden of those costs. There are a few diverse ways employers can receive tax benefits by contributing to group health insurance: -In most cases, premiums paid by businesses for employee coverage are 100% tax deductible. - The
contributions you make to employees’ small group health insurance benefits are tax- exempt, according to the Employer's Tax Guide to Fringe Benefits from the Internal Revenue Service (IRS). This means those costs are declared for informational purposes
only and are not part of any tax calculations for your business: they are not subject to federal income tax withholding, social security, Medicare, federal unemployment (FUTA) tax, and are not reported on Form W-2. Taking advantage of this incentive is
particularly valuable — it can lower your tax payments, or in some cases even eliminate them completely. - Section 125 or sometimes Premium Only Plans (POP) allow employees to enroll in coverages and pay for these benefits pretax. Here’s how
it works: The dollars you commit toward employees’, their spouses’ and dependents’ premiums are an obvious financial plus for them, but are not considered ‘wages’ by the government, and therefore aren’t taxed the same way, for example on their paycheck. - Contributions you make to employees’ Health Savings Accounts (HSAs). A type of pre-tax savings account, HSAs can be used when paired with a high-deductible health plan (HDHP). In general, contributions to an employee’s HSA are a deductible business
expense for your company. Those contributions can also be excluded from an employee's income, and are not subject to Social Security, Medicare, or federal income taxes. 4.) Wellness and employee culture Employee culture and wellness
is a top priority when thinking about whether to offer benefits (and what kind). Too many employers think about the insurance plan itself, and not anything indirectly related. For instance, many insurance plans do come with supplemental wellness initiatives
that can also be used as a tool to incentivize good health habits. It could also be a great tool to continue to foster a family like culture within the businesses. By taking an interest in supporting employees’ health, they are more likely to be more
productive, stay employed there longer, and rave about how awesome they are treated as employees.
5.) Operational Costs It is a best kept secret that health insurance can be an operational cost that YOU can control. As an NAPS member you have NAPS360Healthcare.com and their advisors to help you learn how to take back control
of your Healthcare while freeing up resources to distribute elsewhere in your business.
This post has not been tagged.
Permalink
| Comments (0)
|
|
|
Posted By Administration,
Thursday, March 3, 2022
|
By CPS Recruitment
Workplace stress can increase
heart attack risk by 23%, studies show.
CPS Recruitment is a proud supporter of
Syracuse’s American Heart Association
, whose efforts to create a world of better health have changed the lives of many.
More than half of U.S. and Canadian workers feel stress every day, according to the latest State of the Global Workplace report by Gallup
. Stress has been trending upward since 2009 and it spiked during the global coronavirus pandemic.
While workplace stress isn’t always preventable, there are strategies to identify and cope with stress in healthy ways.
What to know about workplace stress
Our bodies respond to workplace stress in the same ways we’d respond to any other kind of stress. The good news is that we’re pretty good at coping with occasional stress on our own.
However, chronic or unmanaged workplace stress can lead to some big problems.
If left unchecked, workplace stress can cause headaches, stomachaches, sleep problems, short tempers, and difficulty concentrating.
Chronic workplace stress can even contribute to long-term problems like burnout, insomnia, high blood pressure, a weakened immune system, anxiety and depression.
To cope with stress, some people turn to unhealthy options like drugs and alcohol that come with their own health risks.
Here are 6 healthy ways to cope with workplace stress
-
Identify what’s making you stressed and how it affects you
Workplace stress can be triggered by a lot of factors that aren’t always easy to identify.
The American Psychological Association recommends
keeping a journal for a week or two to track situations where you experience stress and how you respond.
Try to note as many details as possible each time you experience intense stress, including:
Your thoughts and feelings
Where you were and other details about the environment
The people and circumstances involved
Your reaction
Journaling is meant to help you identify patterns in your stressors and responses.
-
Establish healthy boundaries
Work can easily seep into our personal time if we’re not careful. Try to avoid work-related tasks and messages during the evenings and on the weekends.
-
Make time to relax and recharge when you need it
Taking a break can sometimes be the most productive thing we can do - whether it’s five minutes to stretch your legs or a 2-week vacation.
Even short breaks can stave off fatigue, restore motivation, boost productivity, and improve learning,
according to Psychology Today
. Try to take short, regular breaks during the day to reset your thoughts and step away from your stressors.
If you can’t take a break, try switching to a different task to shift your focus away from what’s causing you stress.
-
Try to exercise most days
When you’re feeling stressed, exercise is your best friend.
A few minutes of exercise releases endorphins in your brain, which are your body’s built-in tools for managing stress,
according to The Mayo Clinic
. Plus, you’ll get your thoughts off of work and boost your self-confidence.
The American Heart Association recommends
that adults get at least 150 minutes of moderate-intensity aerobic exercise, or 75 minutes of vigorous aerobic exercise per week.
Exercise can reduce and prevent stress while lowering your risk of developing health conditions including heart disease and high blood pressure. Regular exercise also improves insomnia, cognition, depression, anxiety, and your overall sense of well-being.
-
Create a comfortable work environment
Have you ever considered how your physical work environment is contributing to your stress?
Although an uncomfortable desk chair or sub-par coffee probably won’t be the things that make you want to quit your job, they certainly don’t make you feel any better when things get stressful.
Make sure your main workspace is comfortable and relatively distraction-free. Ask your supervisor about changing or updating your work area so it’s more functional.
-
Avoid unnecessary conflict and gossip
Workplace gossip can be a tempting distraction, but it can end up causing more stress in the long run.
Instead, avoid situations and people that can drag you into unnecessary workplace conflicts.
Talk to your supervisor if you find yourself getting dragged into workplace negativity, or if you need help resolving a conflict.
-
Reach out to a professional for help
Reach out to your doctor if you’re too overwhelmed to deal with your stress alone, or if you use drugs or alcohol to cope with stress. Your doctor can refer you to a therapist or prescribe medicine to help.
Your company may have an employee assistance program, which can look for ways to resolve your stressors and help you cope with stressful situations.
Sources
https://www.psychologytoday.com/us/blog/changepower/201704/how-do-work-breaks-help-your-brain-5-surprising-answers
https://www.mayoclinic.org/healthy-lifestyle/stress-management/in-depth/exercise-and-stress/art-20044469
https://www.cnbc.com/2021/06/15/gallup-us-workers-are-among-the-most-stressed-in-the-world.html
https://www.apa.org/topics/healthy-workplaces/work-stress
This post has not been tagged.
Permalink
| Comments (0)
|
|
|
Posted By Administration,
Wednesday, February 9, 2022
|
When did you join NAPS and how long have you been a member?
I joined NAPS when I purchased CPS Recruitment from Laurie Liechty in January of 2020. Prior to that, CPS Recruitment, formerly Contemporary Personnel
Staffing, Inc., had been a member of NAPS for more than 20 years.
What is your involvement with NAPS today?
Our firm uses the NAPS certifications, CTS and CPC, to ensure our team’s knowledge of the industry and demonstrate to our candidates and clients our
commitment to professionalism.
What have been the biggest benefits you’ve realized come from being a NAPS member?
We had a long relationship with past NAPS President, John Sacerdote, and have benefitted from training with
him and attending NAPS events (pre-COVID). Currently we attend some virtual trainings and use the website for industry research and reference.
What would you say to someone considering joining NAPS?
NAPS can be a great resource for trainings, white papers, conferences, and networking amongst your peers.
What upcoming plans, initiatives or events are you most excited about in 2022?
We plan on taking advantage of the white papers, surveys and professional development. In fact one of our staff
members is already signed up for a seminar coming up.
This post has not been tagged.
Permalink
| Comments (0)
|
|
|
Posted By Administration,
Monday, February 7, 2022
|
Healthcare coverage can be confusing! There are thousands of plan options, codes and laws that seem to change every year. We are here to help you through the confusion with some simple ways to save on your healthcare expenses outside your monthly premium.
(Fun Fact: one of these tips, could even help your premium go down at renewal.) First things first, you are one of the lucky ones, somewhere near 31 million Americans do not have healthcare coverage. Now, what can you do to ease your expenses when
it comes to healthcare needs?
1. Understand your coverage: Your healthcare plan is full of documents; the summary plan description (SPD) is the one to focus on. The SPD is a detailed guide to the benefits provided and how the plan works. It is also required to be given
to you for free as an enrollee in healthcare coverage. Another option is to speak with a health advocate. A health advocate will help you process all your healthcare coverage related needs. This includes going over the plan, explaining
benefits, and helping find a provider if needed. Some plans include a healthcare advocate.
2. Reduce Claims: This is a simple idea in theory, the fewer claims you incur throughout the plan year, the less you are spending out of pocket on co-pays. Reducing your number of claims can also reduce the increase of premiums year over
year, helping you save more in the long term as well.
To reduce your claims means you visit the doctor less, but what if you need to see a provider? This is where telehealth benefits are helpful. Most insurance plans include telehealth service but using it still requires a co-pay and can
incur a claim! If you need to speak with a medical provider, there are some telehealth plans like those that are part of Prosper Benefits which have $0 co-pay and does not show up as a claim.
There are even benefits where you can speak to not only a physician, but also a counselor and a veterinarian twenty four hours a day seven days a week. These benefits are great to help when it is not an emergency situation, but you need
assistance. Keep these types of benefits in mind when looking at your plan options.
3. Prescription Savings: Most plans offer prescription coverage, but what if you were able to save more through a third party app than with your insurance? Well, oftentimes that is the case. It may not always be less than with insurance,
but it doesn’t hurt anyone to find out, so be sure to check out the Prosper Benefits prescription plan to see potential savings!
4. Negotiate medical bills: Did you know that you can negotiate a medical bill?! Once a final bill from a provider is received you can call and discuss the expenses, set-up a payment plan, and many times with enough effort receive a discount.
The key is knowing where to negotiate. Prosper Benefits includes Medical Bill Consultants that negotiate lower cost bills all the time.
5. Plan with an HSA: If you have a high deductible healthcare plan (HDHP) you can start a Health Savings Account (HSA). An HSA is a tax-advantaged account, owned by an individual, with contributions made to the account by the individual or their employer. Contributions are limited to a yearly maximum. An HSA can help you prepare
for those unforeseen healthcare expenses.
Knowing these 5 tips will help you save on your healthcare coverage in the short term by lowering claim dollars spent (out of pocket costs) and in the long term, come renewal time. As a NAPS member if you have any questions about your options NAPS360Healthcare.com
is here to assist. NAPS360Healthcare.com includes options like Prosper Benefits which empowers you to make responsible decisions, giving you control of your healthcare.
This post has not been tagged.
Permalink
| Comments (0)
|
|
|
Posted By Administration,
Thursday, December 30, 2021
|
Stay tuned to this page as we will keep it updated as OSHA and Federal Contractor Vaccine Mandates are being reviewed and changing.
December 23, 2021 UPDATES
-
U.S. OSHA – New & Updated ETS FAQs. The Occupational Safety and Health Administration updated its FAQs about the vaccine-or-test emergency temporary
standard (ETS). The text of questions 6.J and 6.K was updated to address the use of over-the-counter OTC tests to satisfy the testing standard. In addition, a series of new FAQs were added as questions 6.Q through 6.X, addressing the following
issues:
- 6.Q. Do over-the-counter (OTC) tests that feature digital reporting of date and time stamped results need to be observed by the employer or an authorized telehealth proctor?
- 6.R. Will a single over-the-counter (OTC) COVID-19 test satisfy the weekly testing requirement of the ETS even for an OTC test that requires completion of more than one test (serial testing) per the Emergency Use Authorization?
- 6.S. Is a self-administered and self-read COVID-19 test acceptable under the ETS if an employee submits a photograph of the test results to their employer after?
- 6.T. Can an employer or authorized telehealth proctor observe more than one over-the-counter (OTC) COVID-19 test at the same time?
- 6.U. Will retroactive review of videos made by employees self-administering and self-reading COVID-19 tests meet the requirements for employer or authorized telehealth proctor observation?
- 6.V. May employers remotely observe the self-administration of over-the-counter (OTC) tests via a live streaming video conference program, such as Zoom, Skype, or Microsoft Teams?
- 6.W. If an employer observes or conducts over-the-counter COVID-19 tests, how should the employer document the results?
- 6.X. For employees who do not report to a workplace or see a supervisor on a regular basis, how can employees be tested?
- Federal Contractor Mandate – Injunction Issued. As reported in news outlets, a federal judge in Florida granted a preliminary injunction sought by the State of Florida, barring enforcement
of the vaccine mandate applicable to federal contractors. The order applies to “any covered contract in Florida.”
- Vaccine Mandates – Supreme Court Arguments. News outlets report that the U.S. Supreme
Court will hear oral arguments, on an expedited basis, on January 7, 2022 on both the OSHA vaccine-or-test ETS and the Centers for Medicare and Medicaid Services vaccine mandate for healthcare workers.
December 20, 2021 UPDATES
What Just Happened to the OSHA and Federal Contractor Vaccine Mandates?
On the evening of December 17, 2021, the U.S. Court of Appeals for the Sixth Circuit dissolved the Fifth Circuit’s stay of the federal Occupational Safety and Health Administration (OSHA) COVID-19 Emergency Temporary Standard (ETS), which imposes “vaccinate
or test” requirements for private employers. Within two hours, a broad coalition of 26 trade groups filed the first of several emergency appeal applications to the U.S. Supreme Court requesting a stay pending Supreme Court review. OSHA then granted employers
a limited grace period to comply with the ETS’ requirements. In contrast, the same day, the Eleventh Circuit upheld the nationwide injunction against the vaccinate mandate applicable to federal contractors, pending further review. Although this situation
remains fluid, employers subject to the OSHA ETS should consider preparing for compliance on the revised timetable, as should federal contractors with 100 or more employees.
OSHA Vaccine-or-Test Mandate
Shortly after the first petition to the Supreme Court was filed, OSHA announced that it will extend employers’ timeline to comply with the ETS. Per OSHA, employers will now have until January 10 to develop
compliant policies and until February 9 to begin testing programs.
Staffing Agencies
In scenarios in which employees of a staffing agency are placed at a host employer location, only the staffing agency would count these jointly employed workers for purposes of the 100-employee threshold for coverage
under this ETS. The host employer, however, would still be covered by this ETS if it has 100 or more employees in addition to the employees of the staffing agency. On the other hand, if a host employer has 80 permanent employees and 30 temporary employees
supplied by a staffing agency, the host employer would not count the staffing agency employees for coverage purposes and therefore would not be covered. A host employer may, however, require the staffing agency to ensure that temporary employees comply
with its policy (either be fully vaccinated or tested weekly and wear face coverings).
So Now What?
At the current time of publishing this information from Littler, Littler cannot predict whether the Supreme Court will agree to take up the first Application addressing the OSHA vaccine mandate described above or others
that followed, or grant a stay pending review of the Application.
In any event, while the federal contractor mandate remains stayed, the ETS is not stayed at this time, although OSHA has offered a brief holiday extension of the applicable timelines. Employers may continue to develop COVID-19 programs to
comply with the “vax or test” mandate, including collecting employees’ vaccination status, drafting an ETS policy, putting together a testing protocol, and training employees on relevant processes and policies, with the revised January 10 and February
9 deadlines in view.
This post has not been tagged.
Permalink
| Comments (0)
|
|
|
Posted By Administration,
Thursday, June 24, 2021
|
When did you join NAPS and how long have you been a member?
I have known of NAPS for many years, and was fortunate enough to have the opportunity to join NAPS in 2012, when I started my company.
What have been the biggest benefits you’ve realized come from being a NAPS member?
As a member of NAPS, I’ve done a few Lunch And Learn Presentations, attended various NAPS events, and I was even fortunate enough to be able to speak at one of NAPS’ National Conferences.
What is your involvement with NAPS today?
There are a lot of amazing benefits for being a part of NAPS. I’m someone who always wants to learn more, so the Educational Programs that NAPS offers are invaluable to me. NAPS has also offered me an incredible amount of networking opportunities and
access to a variety of social events. The frequent industry news and updates have also helped me to stay informed.
What would you say to someone considering joining NAPS?
To anyone thinking of joining NAPS, I’d highly recommend doing so. It will help you stand out from your peers and get the training and knowledge needed to bring yourself to the next level. Joining NAPS was one of the first things I did when I started
my company.
What upcoming plans, initiatives or events are you most excited about in 2021?
As the pandemic appears to be ending, I am really looking forward to returning to the conferences that NAPS hosts and getting back to the social elements of being a NAPS member.
Anything you would like to add that we have not covered?
I am excited to see the economy beginning to recover after the damage done by the Coronavirus pandemic, I am also really happy to see the growth and changes within my niche as the pandemic is now ending.
This post has not been tagged.
Permalink
| Comments (0)
|
|
Print Page
Blog Home
All Blogs
RSS
