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Healthcare Reform,[object Object],Patient Protection & Affordable Care Act,[object Object],Healthcare & Education Affordability Reconciliation Act,[object Object],April 21, 2010,[object Object]
About ,[object Object],Secova,[object Object],Workshop,[object Object],Agenda,[object Object],Presenter,[object Object],[object Object]
Our History and Approach
Healthcare Reform
Overview, Major Provisions and Administration
Details by Effective Year
2010 - 2014
The Next Steps
2015-2018, Questions and Contact Information,[object Object]
Global Service Provider, headquartered in Newport Beach, CA
Dedicated Benefits Administration team with 20+ years experienceOur Mission: To help employers control and drive down the cost of delivering Human Resources & Employee Benefit Services.,[object Object]
About ,[object Object],Secova,[object Object],Workshop,[object Object],Agenda,[object Object],Presenter,[object Object],Bruce Borgos,[object Object],Mr. Borgos is the Director of Healthcare audit services at Secova. With over 20 years of experience in risk management and benefits management for public sector employers, Mr. Borgos has developed and managed innovative solutions designed to reduce health care costs and improve employee health and productivity. Before joining Secova, Mr. Borgos served as Director of Sales and Marketing for a division of Sierra Health Services, Product Manager for GatesMcDonald, and Vice President of Operations for W.R. Gibbens. ,[object Object], ,[object Object],Karen Kerns,[object Object],Karen Kerns is the Internal Compliance Director  at Secova.  Miss Kerns has advised the public and private sector on all aspects of benefit administration including optimal operational and administrative design, as well as advising companies of the due diligence necessary for employee benefit issues. Karen has presented at the National Retail Federation’s Human Resources Executives Summit helping employers understand how to implement new administrative procedures to meet the new requirements from recently passed legislative measures for COBRA. With a focus on process improvements, her experience provides insight to enhancing current processes to accommodate future business needs while ensuring client needs and requirements are represented.,[object Object]
Healthcare ,[object Object],Reform,[object Object]
2010 ,[object Object],Impact,[object Object],2011,[object Object],Impact,[object Object],Overview,[object Object],Senate Passed Patient Protection & Affordable  Care Act (PPACA),[object Object],December 24, 2009,[object Object],House Passed the Health Care and Education Reconciliation Act ,[object Object],(HCERA),[object Object],March 21, 2010,[object Object],Senate Enacted Changes  & Passed the HCERA,[object Object],March 25, 2010,[object Object],Passage of Healthcare Reform ,[object Object],PPACA Signed Into Law By President Obama,[object Object],March 23, 2010,[object Object],HCERA Signed Into Lay by President Obama ,[object Object],March 30, 2010,[object Object]
2010 ,[object Object],Impact,[object Object],2011 ,[object Object],Impact,[object Object],Overview,[object Object],Healthcare Reform Overview,[object Object],[object Object]
Congressional Budget Office estimates that the legislation will cost $950 billion over a ten-year period.
Healthcare reform measures will go into effect six months from the enactment date through 2018.
Significant changes occur in 2010-11 with the majority of the provisions taking place in 2014.
Comprehensive nature of this recently passed reform includes benefit re-design, increased administrative and compliance costs, eligibility rules restructuring, increased taxes and health insurance exchanges.
All provisions should be carefully reviewed with legal council, actuaries 	and plan design consultants. ,[object Object]
2010 ,[object Object],Impact,[object Object],2011 ,[object Object],Impact,[object Object],Overview,[object Object],Healthcare Reform Overview,[object Object],[object Object]
Next plan year after enactment, waiting period or effective date
First renewal date after enactment or effective date
The regulations are written to ensure:
More individuals are covered with fewer restrictions on coverage or eligibility.
Future regulations will provide guidance by:
Internal Revenue Service (IRS)
Department of Labor (DOL)
Health and Human Services (HHS)
Health Resources and Services Administration (HRSA)
State Departments/Division of Insurance
State Departments/Division of Revenue,[object Object]
Dependents are eligible to receive health insurance until their 26th birthday
2010 - Elimination of lifetime and most annual dollar limits on coverage. (Grandfathered Plans)
2010 - Internal and External Appeals Process: Must be established
2010 - Prohibition of Pre-existing Conditions and Recissions. (Grandfathered Plans)
Eliminating exclusions of pre-existing conditions excluded for all others in 2014

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