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“Healthcare costs are a major concern for millions of people all over the nation, including you. Working for The Phia Group allows us to make a difference by containing those costs, and sharing what we've learned and done with a gracious audience.”
JENNIFER COSTA
Director, Recovery Services

Blog

Recent Posts

Doe v. United Behavioral Health – A Fiduciary Twist
April 9, 2021
On March 5, 2021, the northern district of California came down with a decision that is causing some justifiable concern among TPAs in California and beyond. The root of the dispute is a self-funded plan’s application of its exclusion for Applied Behavioral Analysis (“ABA”) therapy for treatment of autism, but notably, the lawsuit is brought not against the employer or plan, but against United Behavioral Health and United Healthcare Services, the plan’s claims administrator (collectively “United.”)
Here for the Long Haul – Are Employers and Plans Ready?
April 6, 2021
Change that creates challenge is nothing new for the self-funded industry, which is why the amount of changes that have been required to address COVID-19 are not a shock to our industry. But now that we’re over a year into a global pandemic, the long-term consequences are only beginning to come to the surface. To date the focus has been on prevention and vaccines, but do you know what a long hauler is? No, not a truck driver, a COVID long hauler: individuals who are not recovered from COVID-19 weeks and even months after the initial onset of symptoms ...
No Surprises Act & “Plan Websites”
March 19, 2021
Our client’s question was whether the plan itself had to host the provider list and directory information on its own website, as the text of the law suggests, or if the plan’s website could simply include a link to the applicable network’s website to provide the directory, as is generally already the case. Congress indicated that the Plan must “have” the information on its website, but it’s not clear what that means. Essentially, the question is whether “having” the information on its website necessarily means that the plan itself must host and maintain this data, or whether the plan ...
A COBRA Conundrum
March 15, 2021
COBRA continuation coverage has never been what I would call “intuitive.” Even under the most straightforward of circumstances, COBRA involves a byzantine labyrinth of rules and timelines, for employers and beneficiaries alike. In the time of coronavirus, COBRA has only grown in its complexity. Recent rules make those timelines more difficult to follow and the coverage more complex to administer. Though these new rules should make more accessible to employees than ever, the COBRA headaches for employers may never have been more intense.
EBSA Provides Clarification and Sows Confusion with Outbreak Period Guidance
March 8, 2021
On Friday, February 26, the EBSA released its Disaster Relief Notice 2021-01, addressing a conflict that many commentators had already picked up on – the fact that previous relief provided for the tolling of various timelines under health plans during the “outbreak period”, which is now over a year old and still ongoing, but the authority on which that relief relies expressly limits any such tolling to one year.
So the Outbreak Period Ended?
March 2, 2021
In case you haven’t heard, the Employee Benefits Security Administration (EBSA) released Disaster Relief Notice 2021-01 on Friday, February 26th to address statutory language in section 518 of Employee Retirement Income Security Act of 19745 (ERISA) and section 7508A(b) of the Internal Review Code (the Code). In plain English, the statutes place a one year limit on the authority originally used to create the “Outbreak Period” – meaning by statute, the tolling of timeframes cannot exceed one year. Since Friday, Phia has received a large amount of questions related to this Notice and what it really means for plans. ...
DON’T PANIC – Mental Health Parity Compliance Expanded
February 8, 2021
Ease your mind about complying with Section 203 of the Consolidated Appropriations Act. Learn more about this Compliance and its requirements/process.
HIPAA Compliance Audits – Good News and Bad News
February 1, 2021
The government recently released findings of the extensive HIPAA compliance audit performed in 2016 and 2017. Click to learn more about the results!
The Hefty Price Tag of Covid-Related Substance Abuse Disorders
January 27, 2021
One result of COVID-19 that isn't talked about enough - an increase in overdoses. Learn about how more substance abuse cases are costing employers big $.
Resolution to Become an Educated Consumer of Healthcare
January 14, 2021
Resolutions are great things to create and stick to. Learn more about why one of your resolutions should to become an educated healthcare consumer.
Addition By Division
January 11, 2021
Learn all about what a "spinoff" is when it comes to health benefit plans. Click to find out about how they come to be and how your employer plays a part.
Choose Your Own Adventure: President Biden’s Healthcare Agenda
January 5, 2021
There are a few different outcomes for big developments the Biden administration is planning in the healthcare sector. See how Georgia plays a huge role!
I Hate Surprises!
December 22, 2020
The "No Surprises Act" is a proposed law that relates to "surprise" balance health insurance bills. Click to learn all about what it is and what it isn't.
FFCRA Leave Entitlements Set to Expire December 31, 2020
December 16, 2020
Learn more now about the Families First Coronavirus Response Act (FFCRA) and its expiration date as well as the Emergency Paid Sick Leave Act (EPSLA).
The U&C Gap Keeps Rearing Its Ugly Head
December 8, 2020
What constitutes U&C? Find out more about U&C language gaps between a plan and a stop-loss carrier, with easy-to-follow examples. Learn more now!
There is no Such Thing as a 1099 Employee
November 23, 2020
Learn what a 1099 employee is (and why there is a misconception that they exist). Find out more about how to categorize the type of employee someone is.
The Dangers of Politicizing Health
November 16, 2020
Politicizing health can have many detrimental and unnecessary consequences. Read more about how dangerous making health a political matter can be.
Discretion vs. Actual Decisions
November 2, 2020
How can discretionary authority play a part in a plan document? Click to find out what discretionary authority is with examples and the impact it can have.
National Disability Employment Awareness Month: A Personal Perspective
October 29, 2020
October marks the observance of National Disability Employment Awareness Month. Read on to get a personal perspective on the importance of the month.
ACB – The New Supreme
October 27, 2020
Judge Amy Coney Barrett being appointed as Justice Barrett will go down as one of the fastest appointments in recent history. Learn more about the nominee.
Updating the Employee Handbook in Unprecedented Times
October 21, 2020
Employers may want to consider reviewing and updating their employee handbooks in these challenging times. Read about 2 important tips to keep in mind!
Offer More for More!
October 8, 2020
If and when private health benefits cannot compete with a public option on price, they will need to re-invent the industry. Learn how.
COVID-19 Impact on Self-Funded Health Plans
September 29, 2020
A self-funded health plan protects many people over a long period, making it essential for employers to assess the financial effects of COVID. Learn more.
Drug Pricing Still on the Ballot in 2020
September 24, 2020
The cost of prescription drugs continues to be a source of financial pain for households, making drug pricing reform a critical election topic. Learn more.
New Guidance on HIPAA – Using PHI to Contact Recovered COVID-19 Patients Regarding Plasma Donation
September 21, 2020
Protected Health Information can be used to identify and contact individuals who have recovered from COVID to inform them about plasma donation. Read on.
An Overview of the Recent New York Federal Court Decision and its Potential Impact Moving Forward
September 9, 2020
The State of New York sued the Department of Labor for several of the Families First Coronavirus Response Act provisions. Read about the court's ruling.
Plan Mirroring: What Does It Really Mean?
August 26, 2020
Plan mirroring provisions can be marketed to make a stop-loss policy airtight for the plan, but there is still the potential for a gap. Learn more!
HEALS vs. HEROES
August 24, 2020
Many of the temporary COVID legislations are set to expire by the end of 2020. Will more economic aid be on the way? Learn more.
Returning to Work Safely and Smartly. Who Bears the Cost?
August 13, 2020
The rise in mandatory return-to-work COVID testing has led people to question who bears the cost of covering these tests? Read on to find out.
New Rules on Prescription Drug Importation Are Released – Or Are They?
August 11, 2020
On July 4, 2020, an "Executive Order on Increasing Drug Importation to Lower Prices for American Patients" was issued. Is this a real step forward? Read on.
Texas Still Working On Mental Health Parity Rule Implementation
August 3, 2020
The Texas House Bill 10 is made up of four divisions that can impact self-funded non-ERISA plans. There may be new requirements on the horizon. Learn more.
A Brief Anecdote on Testing for COVID-19
July 29, 2020
There are several COVID-19 testing options, but each of those options has a myriad of issues that convince people not get the test. Learn more!
Simple Negotiations Made Not-So-Simple
July 23, 2020
Something as simple as a plain old claim negotiation can still develop certain unexpected hiccups. Learn more about how to navigate these with this informative post!
The Supremes Weigh In
July 15, 2020
The Supreme Court of the United States recently wrapped up its first full term with Associate Justice Brett M. Kavanaugh. Learn more about a number of high-profile opinions here.
Black Lives Matter … Yes, Even in Healthcare
July 8, 2020
At the Phia Group, ensuring every American is insured is not enough; we are firm in our belief that we need to reduce the cost of care at a national level. Learn more today.
No Contract? No Problem!
June 15, 2020
In these unusual times, there may not be time to go through the typical process we go through when receiving contracts, but we can work around this. Learn more.
Privacy Pitfalls - Considerations for Reopening the Office
June 10, 2020
As we head into the spring and summer, the question of how we will stay safe and sanitary as we reenter the workforce lingers. Learn more.
IRS Temporarily Expands Cafeteria Plan Midyear Election Changes in Response to COVID-19
June 3, 2020
The IRS has finally released guidance in relation to flexibility with the midyear election under a Section 125 cafeteria plan during 2020. Learn more.
Hospitals Face Unprecedented Losses Due to the COVID-19 Pandemic
June 1, 2020
Although hospitals and health systems are on the front lines of the fight against COVID-19, they are still facing financial impact as well. Learn more.
A Joint Final Rule: Extending COBRA, HIPAA , and Claims / Appeal Deadlines
May 20, 2020
The DOL and IRS issued a Final Rule to extend a number of deadlines and timeframes that are relevant to group health plans such as HIPAA and COBRA. Learn more.
DPC During a Crisis
May 13, 2020
The pandemic has caused direct primary care providers to be available to patients at virtually all times as they work from home. Learn more.
WC Recovery in a Post COVID World!
May 6, 2020
It requires a little more nuanced thinking to find an answer to whether people can file workers' compensation claims if they fall ill during the pandemic. Learn more.
Bouncing Through Quarantine
May 4, 2020
While most of the country is still maintaining social distancing order, it is very important to keep our personal well-being in mind. Learn more.
Did HHS Just Ban All Surprise Billing During The COVID-19 Pandemic?
April 29, 2020
Health care providers cannot balance bill COVID-19 patients. But if everyone is a potential COVID-19 patient, can they balance bill anyone? Read more.
The Silent Impact of COVID-19: The Rise in Mental Health & Substance Abuse Disorders
April 27, 2020
COVID-19 has disrupted our daily lives and dramatically increased social isolation. Learn how modern telehealth services are stepping in to help.
COVID-19: Social Distancing and Paid Sick Leave
April 14, 2020
Do you have questions on the paid sick leave provisions in The Families First Coronavirus Response Act? Follow these Department of Labor guidelines.
COVID-19… And What it Means to Work From Home with Small Children
April 13, 2020
For countless families around the world, confinement to their homes has been an adjustment. What can employers & health plans do to help? Learn more.
COVID-19 Testing & Cost-Containment
April 1, 2020
The CARES Act gives power to health care providers to set the rates health plans must pay for COVID-19 testing. Learn how plans should respond.
Waiving Copays and Deductibles for Testing Isn’t Enough – The Impact of COVID-19 on the Patient’s Pocket
March 20, 2020
The Families First Coronavirus Response Act removes financial barriers to testing, but may not address costs that patients ultimately bear. Read more.
How Flexible Can Your Plan Be?
March 17, 2020
Employer health insurance plans are permitted to be more generous than regulation requires. Learn some of the options available for modifying plans.
The Difference – Healthcare vs. Insurance; Never Clearer
March 16, 2020
Health insurance isn't healthcare; it’s one way we pay for healthcare. Learn how the COVID-19 pandemic has made this distinction even clearer.
“Incur”-aging a Review of the Term “Incurred”
March 12, 2020
The word 'incurred' can mean two different things. Learn why knowing your definitions could be the difference between claim reimbursement and denial.
Special Rules Apply for Military Treatment Facilities
February 27, 2020
The Military Treatment Facility has powerful tools at its disposal to seek payments from plans. Learn more about this type unique of the provider.
EMPLOYERS BEWARE: Handling Employee Absences Resulting from Coronavirus Quarantine
February 19, 2020
Employers could be held liable when terminating an employee due to absences as a result of isolation and quarantine measures. Learn more.
New Insight on Provider Surprise Billing
February 17, 2020
Many states have enacted protections against balance billing and surprise billing, however, these state laws have limited applicability. Learn more.
A Simple Mistake with Big Consequences: Is Your HDHP Actually HSA-Qualified?
February 5, 2020
An HDHP must meet certain criteria to allow individuals enrolled to contribute to Health Savings Accounts (HSA). Learn about the specific criteria.
More Thoughts on The Cigna Racketeering Case
January 28, 2020
If Cigna truly issued insufficient EOBs and didn’t follow applicable regulations, the providers have a good case that appeals are futile. Read more.
I Got a Fever, and the Only Prescription is More Transparency
January 23, 2020
A key part of the Administration's strategy to reduce health care costs involves increasing transparency in the healthcare industry. Learn More.
Case to Watch – Advanced Gynecology and Laparoscopy of North Jersey, P.C. et al v. CIGNA
January 20, 2020
Providers are challenging the validity of CIGNA’s reference-based pricing, which guides the payments of many self-funded plans around NJ. Read More.
ACA PCORI FEES ARE BACK
January 14, 2020
The Patient-Centered Outcomes Research Institute (PCORI) fee was established as a part of the ACA to fund medical research. Learn more about ACA fees.
What Happens to a Health Plan during a Merger or Acquisition?
January 9, 2020
One thing that should always be addressed is the impact that the transaction will have on the benefit plans of the buyer and the seller. Learn more.
Embracing the Pain, Avoiding the Suffering
January 6, 2020
The phrase "Pain is inevitable. Suffering is optional" fits perfectly when discussing the health benefits industry & healthcare as a whole. Read how.
Robbing Peter to Pay Paul: The Trouble with Cross-Patient Offsetting
December 30, 2019
The right to offset future benefits is common, and there is nothing inherently unenforceable about offsetting benefits due to a patient. Learn more.
Prescription Drug Pricing – On a Back Burner, but Still on the Stove
December 18, 2019
The major sticking point in the USMCA negotiations appears to be the debate around the trade deal’s prescription drug provisions. Learn more.
WORLD AIDS DAY 2019: Three Decades of Progress in Treatment and Healthcare
December 11, 2019
December 1st is World AIDS Day, an opportunity for the world to unite in efforts to stop HIV, support those affected and have lost their lives by HIV.
Washington’s “Surprise” Billing Law Goes Into Effect – January 2020
December 9, 2019
The law patient out of the equation entirely by and leaves the provider and payer to sort out the issue of any remaining balances. Read more.
The More You Know, the More You Save: How Transparency in Health Care Can Help Empower Patients and Plans
December 5, 2019
The goal of the executive order and the resulting proposed rules is to make the cost of healthcare transparent for patients. Learn more about changes.
New Transparency Rules Released, But Will They Last?
December 2, 2019
The Trump administration released two rulings: A final rule on hospital price transparency & a proposed rule on transparency in coverage. Learn More.
RBP: Why Litigate?
November 22, 2019
Litigation is becoming a popular way of enforcing Reference-based pricing when a provider makes unreasonable demands and refuses to settle. Learn More.
Theories v. Practicality: The Simplest Answer is Often the Best!
November 18, 2019
Whether you believe that a breach of contract action against a plan participant is allowed, it’s better to be able to prevent the money from being put at risk.
Warren and Buttigieg Cross Swords Over Health Care
November 15, 2019
The Democratic candidate, Elizabeth Warren, known for her multitude of plans and granular policy detail, has officially unveiled her Medicare for All plan.
An Objective Analysis and Response to Elizabeth Warren’s “Ending the Stranglehold of Health Care Costs on American Families”
November 7, 2019
Ron Peck provides an objective analysis on Senator Elizabeth Warren's policy paper, “Ending the Stranglehold of Health Care Costs on American Families.”
Happy (Almost) New Plan Year!
November 6, 2019
Don't let the hectic Fall season bring you down - we've compiled helpful tips for employers to keep in mind as they review health plans for the new year.
Hospitals Jump Into the Fray – New Lawsuits Against Opioid Manufacturers
November 4, 2019
A drug manufacturer is being tried for its role in America's opioid crisis. Since, hospitals have joined up in a handful of lawsuits in state courts.
The Tower of Babel – Talking Heads Talking Past Each Other
October 31, 2019
As the 2020 Presidential Election approaches, healthcare is one issue that everyone is talking about; but are they speaking the same language?
Don’t Get Bit: Avoid Falling Into the COBRA Snake Pit.
October 28, 2019
Despite its relative simplicity in a qualified beneficiary's perspective, COBRA is a lot less simple when viewed through the eyes of an employer.
Battle Lines Drawn over Medicare for All in the Latest Democratic Debate
October 21, 2019
Healthcare played an essential role in how the audience identified distinctions in candidates in the most recent Democratic debate.
The “Greatest of Three” Rule & Barriers to Compliance
October 17, 2019
Seeing a plan get sued over a denial isn't good, but can compel useful guidance. The issue is its failure to provide information needed to comply.
The Health Care Tug-of-War
October 15, 2019
The conversations around impeachment, gun control, immigration are pertinent, but it is important to recognize the roll of politics in the healthcare debate.
The Art of the Pill: Will Trump Fully Buy Into an International Price Index?
October 7, 2019
The discussion of lowering prescription drug costs is certainly on the raise, but will Trump fully buy into an International Price Index?
Patients are Increasingly Being Sent to Collections and Finding Themselves In Court – Sued by the Providers That Swore to Protect Them
September 20, 2019
Court clerks in various geographic regions witnessed an undeniable uptick in the number of lawsuits being filed by hospitals and providers against patients.
Department of Labor Issues FAQs to Clarify Mental Health Parity Regulations
September 19, 2019
The Department of Labor (DOL) issued FAQs in an effort to promote compliance and clarify the confusion surrounding the final mental health parity regulations. The Department of Labor (DOL) issued FAQs in an effort to promote compliance and clarify the confusion surrounding the final mental health parity regulations.
Number of Uninsured Increases for First Time Since Passage of the ACA
September 16, 2019
The Census Bureau's 2018 Health Insurance Coverage report found that the number of Americans without health insurance increased for the first time since 2009.
Lots of Moving Parts
September 11, 2019
As self-funders know, there are multiple considerations involved in most decisions. Even negotiating a pre-payment bill can involve many questions.
Controversy Surrounds the Most Expensive Drug in the World
August 13, 2019
In May of this year, the Federal Drug Administration (FDA) approved the most expensive drug in the world, Zolgensma. The drug was developed by Swiss drug maker, Novartis, and costs $2.1 million for the one-time single dose. The drug maker will spread the burden of the high cost by allocating payments for the drug over a 5- year plan at $425,000 a year.
Don’t Confuse Appeals with Balance-Billing!
August 6, 2019
https://www.phiagroup.com/Media/Posts/PostId/878/controversy-surrounds-the-most-expensive-drug-in-the-world
There’s a New Notice on the Block
July 31, 2019
Prepare your HAS-qualified high deductible health plan offering groups informed about the new IRS notice on the block. Stay tuned for more IRS regulations.
Health Care “Cadillac Tax” Repeal Bill Passed by the House
July 24, 2019
The House of Representatives voted to abolish the "Cadillac Tax" on high-valued health plans that when named a law, will put an end to tax threat to employers.
Final Individual Coverage HRA Rule Released
July 22, 2019
The Trump Administration finalized a rule in which employers can use HRAs to subsidize their employees' purchase of individual coverage.
The Conscience Rule’s Effective Date is Delayed
July 10, 2019
The HHS published the Final Conscience Rule which allows the denial of healthcare services for religious reasons. Its intent is to protect religious obligations.
Network Contract Drafting: You’re Doin’ It Wrong
July 1, 2019
Our consulting team came across a network agreement that had the nuance of indicating that the provider would bill amounts in line with market standards.
Everything I Ever Needed to Learn, I learned in Pre-School!
June 26, 2019
As the saying goes, many of the basic skills we need to be effective in life are taught to us early. “Use your words” – a common instruction given to young children who are struggling to express themselves or communicate effectively, is an instruction I still use daily – albeit with a slight adjustment. Especially with matters relating to plan administration, words alone aren’t enough! it’s important to use the correct words to avoid any confusion and ensure that everyone reading the plan understands exactly what you mean!
IP Law vs. Drug Prices – Round Two, Fight!
June 24, 2019
It's no surprise that drug prices are far too high. New IP laws are attempting to change this with drug price transparency. Learn more about its impact!
No No-fault – Michigan Revamps its Auto Insurance Rules
June 19, 2019
Michigan's Senate passed sweeping legislation to get the state's auto insurance rates under control. Learn more about this new law and how it can impact you.
MA PAID FAMILY & MEDICAL LEAVE UPDATE: Required Contributions Delayed…and Increased
June 17, 2019
Massachusetts has delayed its contributions for its Paid Family & Medical Leave program. Stay up to date on upcoming changes to coverage plans and policies.
Will Sex Discrimination be Re-Defined?
June 6, 2019
Learn more about the US Department of Health & Human Services' (HHS) proposed revision of the Affordable Care Act to exclude terms within sexual discrimination.
List Prices in TV Ads: Will This Help?
May 31, 2019
Big changes are coming to drug advertisements on TV. Learn how price transparency will affect the healthcare industry & its manufacturers.
Denial & Appeal Case Study: A Deep Dive (Literally)
May 28, 2019
When you analyze a Plan Document, how can you know which words to rely on? Read this denial & appeal case study to learn how to better approach the situation.
IP Law vs. Drug Prices
May 20, 2019
Are you being overcharged by your healthcare plan for your own prescriptions? Learn more about IP Law and Drug prices. Call us for a claim negotiation!
CMS Finalizes Drug Price Transparency Rule
May 17, 2019
New rules in drug pricing transparency will require prescription manufacturers to provide wholesale prices to consumers in television ads. Learn its impact!
Big Pharma Executives Testify Before Congress (Again)
May 3, 2019
Executives from major drug companies testified before the Senate Finance Committee. Read about their proposed solutions for price increases & transparency.
The Final AHP Rules Take a Hard Hit (Part 2)
April 29, 2019
The courts recently vacated the provisions set by the AHP rules. Learn more about future implications these changes may have for you and your employer.
Beware The “Lesser Of”
April 23, 2019
Learn more about avoiding problems with the plan document obligating the Plan Administrator to pay less than the amount required by a separate contract.
Suicidality On the Rise Amongst Missouri’s Child Medicaid Population
April 10, 2019
A recently released study highlighted some alarming numbers relating to the rates of suicidal thoughts and actions among children. Click to read more.
New DOL Opinion Letter: Employers May Not Delay FMLA Leave Designations
April 8, 2019
The Department of Labor recently stated that an employer may not delay designating a leave of absence, as a leave under FMLA. Learn what this means for you.
Be Transparent – Tell Me What You Really Want!
April 3, 2019
Diving deeper into the transparency of healthcare costs, what do you really want? The best or the most expensive?
The Final AHP Rules Take a Hard Hit
April 1, 2019
A federal court has ordered certain provisions of President Trump’s Association Health Plan (“AHP”) Final Rule to be vacated. Learn what that means for you.
ERISA Violations Due to Restrictive Claim Guidelines
March 25, 2019
A recent case development has added another layer to compliance when it comes to covering mental health benefits. Click to read more.
FDA Chief Resigns – Why It’s A Loss for Self-Funding
March 20, 2019
Scott Gottlieb was recently relieved of his duties as the commissioner of the FDA. Learn more about what his departure means for the healthcare system
RBP: Sticking It To The Man
March 18, 2019
Employers primarily choose to utilize reference-based pricing programs to cut costs. Learn more about the real benefits of these methodologies.
Drug Importation: A Word of Caution
March 7, 2019
A rising trend has been the procuring prescription drugs from abroad. Learn more about the potential risk most employers don't consider with these programs.
The Opioid Crisis: How Employers & Self-Funded Health Plans Can Combat This Epidemic
March 5, 2019
Each year more and more Americans overdose on prescription opioid drugs. Learn more about how employers can combat the epidemic.
Too Early to Worry About 2020? Never!
February 27, 2019
It's never too early to start planning. Learn more about the two things health plans should pay attention to with the recent and future ACA changes.
To RBP, or Not to RBP: That is (one) of the Question(s)
February 25, 2019
It’s assumed health insurance is included in an employment package. What was once a benefit is now an entitlement. Learn if RBP is for your business.
The New Medicare and Medicaid Bills
February 19, 2019
Learn more about the Medicare for All Act of 2019 and how it would transform U.S. health care system if it is passed.
Hey, Watch Your Language!
February 13, 2019
Learn more about why using clear and accurate language is important in reference-based pricing plans.
New Action on Drug Pricing: Medicare-Like Rates?
February 11, 2019
The cost of insulin to treat patients with type 1 diabetes has doubled since 2012. Learn more about the bill that could help prevent further increases.
Self-Funding Comes in Many Forms - When Describing, Take Care to do so Accurately!
January 29, 2019
The Phia Group understands that many self-funded plans do not utilize the hybrid approach. Learn more about self-funded health plans.
Not An Enemy
January 23, 2019
The Phia Group explains how the insurance providers are not always your enemy and the hospitals' role in health coverage pricing. Click to read more.
Your Plans to Offset May be Offset
January 21, 2019
The self-funded industry took a hit when UnitedHealth won a lawsuit about their cross-plan offsetting. Learn more about the case & cross-plan offsetting.
The Government Shutdown's Impact on the Texas v. U.S. Case
January 16, 2019
The Phia Group shares their expert opinion on how the government shutdown's impact on the Texas v. U.S. Case. Click to read more!
Blocking the Birth Control Rule
January 15, 2019
Contraception for women has been a hotly debated topic due to a new Trump administration rule. Learn more about the states that blocked these rules.
EEOC Vacates ADA and GINA Wellness Incentive Rules
December 21, 2018
The Phia Group explains how the new EEOC's final rules on ADA and GINA will affect you. With a lack of rules, employers may have compliances risks.
Stop-Loss: The Forgotten Player in the Reference Based Pricing Game
December 20, 2018
Learn why you need to put stop-loss high up on the laundry list of considerations when choosing to adopt referenced-based-pricing.
A Texas Judge Strikes Down Obamacare – Our Take
December 17, 2018
The Phia Groups shares their expert opinion on Texas striking down on Obamacare. Learn more about how it could affect your future healthcare coverage.
Take Two Premiums and Call Me in the Morning...
December 6, 2018
Too many people are confusing the term ‘health care’ with ‘health insurance.' Learn more about how we break down the difference at Phia Group.
Responding to a IRS Letter 226J: Considerations and Common Mistakes
December 5, 2018
If you are an applicable large employer, IRS could possibly be sending a Letter 226J notice your way. Will you be ready to respond accurately within 30 days?
Objectives for the CVS Health and Aetna Merger
December 3, 2018
The CVS Health and Aetna merger was granted preliminary approval from the DOJ in October. Will it benefit them or the patients more? Click to learn more!
You Down with RBP? (You May Already Be!)
November 28, 2018
Reference-based pricing is one of the most mysterious self-funding structures out there. Learn if your plan falls under RBP, today!
Trump Administration Finalizes ACA Contraceptive Mandate Exemption Rules
November 26, 2018
The Trump Administration recently released new rules that expand the scope of contraceptive mandate exemptions. Click to learn more about the rules.
OSHA Publishes Guidance on Post-Accident Drug Testing
November 14, 2018
OSHA recently released an official memorandum regarding their stance on drug testing. We break it down in more depth and tell you what you need to now!
Healthcare on the Ballot, and a Free Side of Fries
November 5, 2018
Phia Group takes a step back and takes a deeper look of healthcare and political promises. Learn how these pledges affect your insurance expense.
The Proposed HRA Rules v. the Current Regulatory Landscape
October 31, 2018
In October of 2018 the government issued proposed regulations on health reimbursement arrangements. It's not too late! Learn how this may affect you.
SUPPORT for Patients and Communities Act
October 29, 2018
It is no secret that this country has an opioid epidemic that has a rising death toll and price tag attached to it. Click here to learn more.
HHS Proposes Drug Transparency Rules for TV Advertisements
October 17, 2018
Drug transparency rules have been proposed for TV advertisements. Find out more about these potential industry-changing regulations, today!
Is Your Life Insurance Policy Subject to ERISA?
October 3, 2018
Is your life insurance policy subject to ERISA? Learn how to find out if it is and what that might mean for you if your insurance policy is subject to it.
Communication Breakdown – More Lessons Learned from My Wife’s Battle Against Lymphoma
October 1, 2018
Listen to Phia Group's podcast, "Empowering Plans." This episode discusses the importance of communication & diligence when dealing with cancer medication.
Wilderness Therapy Exclusions Causing Mental Health Parity Concerns
September 26, 2018
The plan exclusion of wilderness therapy has spurred some lawsuits based on alleged violations of the MHPAEA. Click here to learn more about the lawsuits.
REMINDER: Medicare Part D Creditable Coverage Notices Due to Certain Employees by October 14th
September 24, 2018
Do you deserve to be receiving these benefits? Find out more about the Medicare coverage that is due to employees by October 14th. Learn more today!
A Contract By Any Other Name
September 19, 2018
Are you using reference-based pricing? If you answered yes, make sure you're doing it right. Click here to contact Phia Group's Consulting team & learn more!
The Kavanaugh Hearings: The Future of Abortion and Obamacare at Stake
September 17, 2018
Abortion and Obamacare are 2 of the most debated subjects in the world. Click here to learn why the future of both may be at stake at the Kavanaugh hearings.
Texas v. U.S. Serves as Latest Threat to ACA’s Pre-Existing Condition Protections
September 12, 2018
The Affordable Care Act is under attack again, being called unconstitutional. Click here to learn more about the latest developments with the Texas v. US case.
Has the Life Expectancy of Drug Rebates Been Reduced?
August 29, 2018
We all know drug prices are sky-high with seemingly no end in sight. Click here to learn more about the Trump Administration's attempt to reduce drug costs.
With the Lack of Guidance on AHPs, States Take Matters into Their Own Hands
August 22, 2018
The final Association Health Plan has left states with more questions than answers. With the rules becoming effective on Aug 20th, learn how you will be affected.
Patient Assistance Programs: Friend or Foe?
August 15, 2018
Have you been wondering the reality behind patient assistance programs to help pay for your prescriptions? Learn more about PAPs & how it may affect you today.
CMS Requires Hospitals to Post Standard Charges Online
August 9, 2018
Price transparency has never really been synonymous with health care. Click here to see how CMS's is attempting to address this on-going healthcare issue.
Paid Bereavement Leave for New Yorkers
August 7, 2018
New York has recently passed a bill amending the Paid Leave Law to include bereavement leave. Learn more about how it may affect you by clicking here.
Know when to fold ‘em
July 30, 2018
Winning a case does not always equate to the best outcome. Learn more about the "made whole" doctrine in MA and effective cost containment by clicking here.
FDA Approves Marijuana-Derived Drug for Seizures
July 25, 2018
The FDA issued the nation's first approval for a drug derived from marijuana-based compounds to treat seizures. Click here to learn more about the drug.
Trump Administration Halts Billions in ACA Payments
July 18, 2018
The Trump Administration has taken quite a beating from the Affordable Care Act. Click here to know what insurance companies will be forced to do.
Which path will the EEOC take in August?
July 16, 2018
Are you curious about the court case between the AARP & EEOC on wellness programs? If so, read here!
You Probably Can!
July 11, 2018
Have your clients ever decided not to utilize wrap networking? Research shows that wrap networks offer the best bang for your buck! Read here to learn more.
What Does FDA CBD Approval Mean For Self-Funded Plans?
July 2, 2018
The FDA recently approved medical marijuana for the United States. Read more to see how CBD will impact self-funded health insurance plans.
Expansive Paid Leave Legislation for Massachusetts Employers
June 29, 2018
Governor Charlie Baker recently signed new legislation that will directly impact employers of Massachusetts. Learn more about what this includes!
A Bit of Relief From the 2nd Circuit
June 27, 2018
The subrogation industry has taken a toll from the 2nd Circuit relating to the provision of employee benefits. Learn more about the issues of subrogation today!
Right to Try... Right for You? Understanding What is Right, and Wrong, for Self-Funded Plans in Response to the New Right to Try Law
June 21, 2018
Are you seeking insurance coverage options for drug treatment? If so, this article will explain everything about the new Right To Try legislation.
The MHP Hits Just Keep on Coming
June 20, 2018
Mental Health Parity violations keep resurfacing in court cases more frequently. Learn more about the recent case involving Catholic Health Initiatives here.
An Addiction to Health Insurance
June 18, 2018
Health insurance continually blinds people from the actual cost of healthcare. Read why more people are more addicted to health insurance more than ever.
The Complicated Issue of ACA’s Section 1557 and Gender Identity Protections
June 13, 2018
The Affordable Care Act prohibits health programs to discriminate people based on their attributes. But is gender identity protected? Click here to find out!
May Day: Two States Enact Individual Health Insurance Mandates
June 11, 2018
Many states have defied the Trump Administration’s repeal of Obamacare, but why? Click here to learn more.
Bridging the Gaps Between...Everything
June 4, 2018
Our new Phia Certification Program is to ensure all our employees understand our industry and how we operate. Click here to learn more.
How About Some Evidence? - Montanile v Board of Trustees
May 23, 2018
You may be curious about the decisions made in the Montanile v Board of Trustees Supreme Court case. Read more about the new approach to third-party liability.
MHP – Are You Still Paying Attention?
May 16, 2018
Lawsuits and Department of Labor audits related to Mental Health Parity violations are still arising. Read more about the recent Munnelly v Fordham case!
One Shot at This
May 14, 2018
When writing plan documents, make sure to get it right the first time before handing to clients. Click here for everything I have learned & my story.
The Gap Doesn't Stop At the Document
May 9, 2018
There are many types of gaps within coverage including plan documents & network agreements. Click here to learn about all the gaps you should be aware of.
The Complications Surrounding Intermittent FMLA Leave
May 7, 2018
There are many complications dealing with Intermittent FMLA Leave. Click here to learn everything you need to ensure to administer this properly.
North Cypress Medical Center: What Does it Mean for RBP?
May 2, 2018
Reference-based pricing has a lot of hurdles for businesses and legality. Read here about the recent court case regarding patient pricing.
The Fax Machine and a Lesson in Incentives
April 30, 2018
Faxing is a very inefficient way to share records with doctors and insurance providers. However, there may be a better solution! Click here to learn more.
Senate Health Committee Hones in on Mental Health Parity Enforcement
April 26, 2018
The Senate Health Committee is working hard to strengthen mental health parity in insurance plans. Click here to see the effect on the self-funded industry.
Stories from the Front Lines…
April 17, 2018
The Phia Group constantly fights for the rights of their clients every single day. Read our amazing story on how we got our clients 2nd lien reinstated.
The Tangled Web of Eligibility
April 11, 2018
In this article, we talk about the BIG picture of eligibility issues, subsequent gaps, & continuation of coverage. Read here to get the BIG picture!
Hope Springs Eternal
April 9, 2018
Employers are moving to a self-funded model for their health benefits. Click here to understand that it is more robust and less costly for everyone!
Don’t Miss the Most Dynamic Healthcare Industry Event in New England!
April 4, 2018
The Phia Group is going to Benefest 2018! The purpose is to reshape and disrupt the entire healthcare industry. Read more for additional details!
The Phia Group Saves an Employer Thousands of Dollars
March 30, 2018
Have you received a letter from the IRS saying that you violated employer mandate rules and owe an ESRP penalty? Read here to get all the details.
Negotiated Rates Are King
March 29, 2018
Negotiated rates are extremely important in the self-funded insurance industry. Click here to see all the benefits!
Freedom Blue II: The ACA’s Unlikely Ally
March 26, 2018
The Trump Administration recently shut down Idaho’s conservative governor from ignoring the ACA. Read here to know exactly why this happened.
Responding to a IRS Letter 226J: Considerations and Common Mistakes
March 21, 2018
If you are an applicable large employer, the IRS could possibly be sending a letter. Read more about the 2 types of ESRP penalties that may affect you.
Freedom Fighters Abound…
March 14, 2018
There is no question that the vast majority of folks in self-funding, whether benefit or service providers, have a goal in mind; providing cost effective benefits to the insured.
Contraceptive Update – Appeals and Intervenors
March 7, 2018
Contraceptive update! Two lawsuits that have challenged the contraceptive coverage rule have created changed issued by the Trump administration. Read more about these and if they could be affecting your situation.
Clearly it’s (Not) Transparency
March 5, 2018
If the consumer of healthcare (the patient) is different than the purchaser of healthcare (the plan or insurance carrier), how will knowing the price change the consumer’s behavior?
What do All These New Paid Sick Laws Mean for Employers?
February 28, 2018
What do all these new paid sick laws mean for employers? As many states are starting to beginning to enact paid sick or leave time regulations, employers will need to understand this. If you are an employer or employee that would like to know more about your paid sick laws contact The Phia Group.
Freedom Blue: Idaho’s Challenge to the ACA Gets Serious
February 19, 2018
The Department of Insurance (“DOI”) have made announcements in regards to what insurers are able to do in the ACA. Learn more about the details of Governor Butch Otter's executive order that would let health insurers in his state sell new plans to market that did not comply with ACA rules.
Employer Mandate Enforcement: IRS Turning Up The Heat
February 15, 2018
The Employer Shared Responsibility Provision of the Affordable Care Act (ACA) continues to serve as a polarizing topic among employers and ACA supporters as the Internal Revenue Service (IRS) moves forward with its compliance efforts. If you have 50 or more full-time employees you could be affected.
The DOL’s Proposed Rule … A Sleeper Provision for Self-Funding?
February 12, 2018
Proposed regulations by the Department of Labor (DOL) make two important modifications to self-funding. Learn about them here and how they could be affecting you or your business.
Even the best Plans can backfire!
February 7, 2018
Success is not a given in the world of subrogation/reimbursement. Choose a subrogation firm like The Phia Group who will try to secure everything that is needed for a client. Contact us today to get started!
Your Plan isn’t a Cadillac …Yet
January 31, 2018
The most notable in the self-funded industry is the ACA’s High Cost Employer-Sponsored Health Coverage Excise Tax (“Cadillac Tax”). The Cadillac Tax was originally set to begin in 2018, but has been delayed again. Find out when your plan will become a Cadillac from The Phia Group.
Sick (Leave) Day: Maryland Revamps Paid Sick Leave Law
January 23, 2018
Maryland has become the latest state to mandate paid sick leave for employers with 15 or more employees. Learn about the permissible uses for earned sick and safe leave options that are stated in the law. The Phia Group offers their key takeaways and the ability to read the full Act here.
The Reference Based Pricing Stew
January 17, 2018
Reference-based pricing tends to be something you will love or hate. It is put together like a stew by compiling a ton of different ideas which can result in good stew or a very bland one. It can become very complex due to the industry and other factors. Read more about RBP with The Phia Group
A Backdoor Employer Mandate? Massachusetts Targets Employers to Shore Up the State’s Medicaid Program
January 15, 2018
Since 2011, approximately 450,000 people have lost their employer-sponsored insurance in Massachusetts. In the same time period, MassHealth enrollment increased by just over 500,000. The MassHealth program is literally drowning the state in debt, and so last year, Governor Charlie Baked signed H. 3822, which has two major components (beginning in 2018).
NOT SO FAST! Don’t Change Contraceptive Coverage Just Yet
January 10, 2018
Changing Contraceptive Coverage? You might want to wait. The new rules essentially allow any company that is not publically traded the ability to refuse to cover contraceptives on moral or religious grounds. The process for the exemption is also much more relaxed than the accommodation process.
Nice to see you, 2018. Should we Expect more of the same?
January 2, 2018
Avoiding reimbursement rights, self-funded plan structure, prudent management of plan assets or disbursement of settlement funds? No one can predict what will happen in 2018 but The Phia Group will be here to handle any subrogation law needs.
Pin the Tail on the Donkey & Other Blindfolded Games of Placement
December 27, 2017
Our industry (that being the self funded health benefits industry) is primarily a web-work of relationships. Unlike a large, traditional health insurance carrier, where all functions are located under one roof, in our industry key pieces of the greater whole are comprised of various independent entities.
House Bill Assumes Air Ambulance Providers are Underpaid
December 13, 2017
"Ensuring Access to Air Ambulance Services Act of 2017" this bill is designed primarily to alter the Medicare reimbursement to air ambulance providers. If you would like to learn more about this bill or if it has been impacting you, read about it here with The Phia Group.
Sacrificing the Individual Mandate on the Alter of Tax Reform
December 11, 2017
Want to know more about the glue of Obamacare? Perhaps the single most important piece of the Affordable Care Act (“ACA”) is its “individual mandate" Learn about how Americans have been required to obtain health insurance coverage that meets the government's definition of "minimum essential coverage" or pay a penalty.
Year Up at Phia!
December 1, 2017
The Phia Group has been beyond thrilled with our talented, dedicated members who have come to us through Year Up. Sheyla and Josh have become such essential members of our team – we feel truly blessed to call them a part of the Phia Family. We sat down with them to hear their thoughts and experiences.
A Little 2017 Holiday Cheer… Subrogation Style!
November 29, 2017
Everything in the subrogation world in 2016 was viewed through the prism of the Montanile decision from the Supreme Court. We take a look back at 2017 and how the Montanile decision was carried out and any other cases that factored into the court's decision. Read more here
Not all Illegal Act Exclusions are Created Equal
November 22, 2017
Want to know more about Illegal Act Exclusions? Not all of them are created equal. Illegal acts and illegal drug exclusions are prevalent in self-funded plan documents, but does the plan document wording align with the plan's intent? Learn more about Illegal Act Exclusions with us.
Welcome to the Fiduciary Jungle!
November 20, 2017
Welcome to the Fiduciary Jungle! Fiduciaries are being accused by the employees of wasting the plan's money on less-than advisable investments. Learn how this could be coming to the health benefits arena to shape up and take action now! Contact the Phia Group to learn how you can stay protected
MA Contraceptive Reform Update
November 13, 2017
Jen McCormick, Esq. reviews the bill the MA House passed ensuring that women retain access to no cost contraceptives.
Massachusetts on Track to Pass a Significant Cost Containment Bill
November 8, 2017
Brady C. Bizarro, Esq. explains the Massachusetts State Senators proposed comprehensive reform bill focused on health care cost containment.

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