Special Enrollment Periods

For All Western Regions: Effective July 28, 2014

We’re announcing updates to special enrollment periods that affect your Individual & Family Plans (IFP) and Small Business Group (SBG) clients. Please share this information with your clients.

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Health Law’s ‘Uninsurance’ Fine Capped

IRS officials have capped the amount of money that individuals could face for failing to obtain health insurance this year to $2,448 per person and $12,240 for a family of five. The maximum penalty would only hit individuals without insurance whose income is above $244,800. For families of five or more, the maximum penalty would affect people making a combined yearly income of $1.2 million.

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One Office, Many Personalities: How to Deal Effectively

One office, many personalitiesA key component of any successful business is maintaining a happy and productive workforce. No two employees are alike. From work ethics to attitude, abilities, talents, and skills, your workforce (and your client’s workforce) is comprised of individuals, each with their own unique set of values and priorities. How can you better motivate your teams?  You need to know what makes your employees tick.

Feel free to share this post with your clients.

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Quarter 3 2014 Oregon/Washington Drug List Changes

For Oregon Broker and Employers

Health Net’s Drug Lists are updated quarterly, and available online.

  • This update includes information for all Commercial formularies/drug lists, except as otherwise noted.
  • The Preferred Drug List (PDL) is utilized by large groups and by IFP and small groups continuing on 2013 plans.
  • The Essential Rx Drug List (EDL) is an ACA compliant formulary utilized by Oregon public exchange members, as well as all other IFP and small group members who are using a 2014 ACA compliant plan.
  • The Aon Active Health Exchange Drug List (ADL) is used by groups/members who sign up under the Aon Hewitt private exchange.

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Reform Guide: Limits on Waiting Periods

Limits on Waiting PeriodThe waiting – or probationary – period is the period of time set by an employer before coverage becomes effective for a new employee enrolling into the group’s health benefit coverage. Group health plans and health insurance carriers that offer group coverage may not apply a waiting period that exceeds 90 days. California law sets the limit at 60 calendar days (AB1083).

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The Business Case for Curbing Job Stress

Job stress affects employee health and well-being.Job stress not only affects employee health and well-being, but can also impact an organization’s bottom line.

For instance, a 2013 survey by the APA’s Center for Organizational Excellence revealed over one-third of U.S. employees felt chronic work stress. Yet only 36 percent of employees said their employers provided adequate resources to help them cope.

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A Respectful Workplace = A Profitable Workplace

Sharing ideasAsk the average business owner to list the top 10 components that contribute to a company’s profitability, and chances are good that the words “mutual respect” wouldn’t make the cut.  Yet, a business that places priority on mutual respect is likely to see bottom-line benefits in the form of increased employee loyalty, productivity, and a fundamental desire to help the organization succeed.

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The Health Benefits of Vacations

Road Trip! Health Net Points Out the Health Benefits of Vacations


Time for a road trip!With summer now in full swing, Health Net, Inc., is working to increase awareness that taking a vacation not only can be fun, but it also can bring a variety of health benefits.

While it might be assumed that Americans happily take time off, the reality – according to Glassdoor’s 2014 Employment Confidence Survey – is that the average U.S. employee only takes half of his or her eligible vacation time.

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Coping With Grief

Coping with griefNo matter the circumstance, it’s hard to move forward after losing someone important to you. Whether you have lost a friend, family member or colleague, allowing yourself to grieve can help you deal with the loss in a healthy way.

Grief is a natural response to loss, and it can unfold in many ways. And keep in mind that grief is a journey you do not need to take alone.

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