Holden Agency Insurance Blog http://www.holdenagency.com/blog en Transitional Reinsurance Fee http://www.holdenagency.com/blog/transitional-reinsurance-fee <p>Today&rsquo;s update provides an overview of the Transitional Reinsurance program and assessment required by the Affordable Care Act (ACA). &nbsp;The Transitional Reinsurance program will fund reinsurance payments to health insurers operating in the individual market with the goal of stabilizing health insurance premiums.&nbsp;</p> <p>Final regulations were released in March 2014.&nbsp; The final regulations announced the fee for 2015 and made some changes from the proposed regulations.</p> <!-- <rdf:RDF xmlns:rdf="http://www.w3.org/1999/02/22-rdf-syntax-ns#" xmlns:dc="http://purl.org/dc/elements/1.1/" xmlns:trackback="http://madskills.com/public/xml/rss/module/trackback/"> <rdf:Description rdf:about="http://www.holdenagency.com/blog/transitional-reinsurance-fee" dc:identifier="http://www.holdenagency.com/blog/transitional-reinsurance-fee" dc:title="Transitional Reinsurance Fee" trackback:ping="http://www.holdenagency.com/trackback/587" /> </rdf:RDF> --> <p><a href="http://www.holdenagency.com/blog/transitional-reinsurance-fee" target="_blank">read more</a></p> Employee Benefits Home Page Transitional Reinsurance Fee Employee Benefits Thu, 24 Jul 2014 17:41:29 +0000 rlapointe 587 at http://www.holdenagency.com Out of Pocket Maximums and High Deductible Health Plan (HDHP) Amounts for 2015 http://www.holdenagency.com/blog/out-pocket-maximums-and-high-deductible-health-plan-hdhp-amounts-2015 <p>Today&rsquo;s update provides the Out of Pocket Maximum amounts per the Affordable Care and Act and High Deductible Health Plan (HDHP) amounts for 2015.&nbsp; Please see the attached <a href="/sites/default/files/blog-content/u8/HDHP%20and%20OOP%20Amounts%20for%202012-%202015.pdf">document</a>.</p> <p>Please contact your account manager if you have any questions.</p> <p>&nbsp;</p> <p><strong><em>Ellen</em></strong></p> <!-- <rdf:RDF xmlns:rdf="http://www.w3.org/1999/02/22-rdf-syntax-ns#" xmlns:dc="http://purl.org/dc/elements/1.1/" xmlns:trackback="http://madskills.com/public/xml/rss/module/trackback/"> <rdf:Description rdf:about="http://www.holdenagency.com/blog/out-pocket-maximums-and-high-deductible-health-plan-hdhp-amounts-2015" dc:identifier="http://www.holdenagency.com/blog/out-pocket-maximums-and-high-deductible-health-plan-hdhp-amounts-2015" dc:title="Out of Pocket Maximums and High Deductible Health Plan (HDHP) Amounts for 2015" trackback:ping="http://www.holdenagency.com/trackback/586" /> </rdf:RDF> --> Employee Benefits Home Page Out of Pocket Maximums and High Deductible Health Plan (HDHP) Amounts for 2015 Employee Benefits Wed, 09 Jul 2014 20:01:39 +0000 rlapointe 586 at http://www.holdenagency.com Every Day Is A Good Day To Bring An Umbrella Along http://www.holdenagency.com/blog/every-day-good-day-bring-umbrella-along <p>When would you want&nbsp;an umbrella?&nbsp;&nbsp; I&#39;m talking about an Umbrella Liability insurance policy.</p> <p>Over 80%&nbsp;of&nbsp;payments on umbrella claims are related to auto accidents, and&nbsp;many of those claims involved a pedestrian, motorcycle or bicycle.&nbsp; A large&nbsp;liability claim can easily end with&nbsp;claim settlement payout of 1 million dollars.&nbsp; That is&nbsp;much higher than any auto policy limits, so consider how your lifestyle might change if you had to pay that settlement out of your pocket.&nbsp;&nbsp;</p> <!-- <rdf:RDF xmlns:rdf="http://www.w3.org/1999/02/22-rdf-syntax-ns#" xmlns:dc="http://purl.org/dc/elements/1.1/" xmlns:trackback="http://madskills.com/public/xml/rss/module/trackback/"> <rdf:Description rdf:about="http://www.holdenagency.com/blog/every-day-good-day-bring-umbrella-along" dc:identifier="http://www.holdenagency.com/blog/every-day-good-day-bring-umbrella-along" dc:title="Every Day Is A Good Day To Bring An Umbrella Along" trackback:ping="http://www.holdenagency.com/trackback/585" /> </rdf:RDF> --> <p><a href="http://www.holdenagency.com/blog/every-day-good-day-bring-umbrella-along" target="_blank">read more</a></p> Holden Agency Home Page Claims Lawsuit. Liability Insurance Maine Insurance Tenants Insurance Umbrella Insurance Personal Insurance Tue, 01 Jul 2014 13:41:54 +0000 Sharon Little 585 at http://www.holdenagency.com Got Potholes? http://www.holdenagency.com/blog/got-potholes <p>Potholes are everywhere these days.&nbsp; What are you doing to protect your vehicles?</p> <!-- <rdf:RDF xmlns:rdf="http://www.w3.org/1999/02/22-rdf-syntax-ns#" xmlns:dc="http://purl.org/dc/elements/1.1/" xmlns:trackback="http://madskills.com/public/xml/rss/module/trackback/"> <rdf:Description rdf:about="http://www.holdenagency.com/blog/got-potholes" dc:identifier="http://www.holdenagency.com/blog/got-potholes" dc:title="Got Potholes? " trackback:ping="http://www.holdenagency.com/trackback/584" /> </rdf:RDF> --> <p><a href="http://www.holdenagency.com/blog/got-potholes" target="_blank">read more</a></p> Holden Agency Home Page Independent Insurance Agent Maine Automobile Insurance Potholes Trusted Choice Personal Insurance Fri, 20 Jun 2014 15:34:03 +0000 Sharon Little 584 at http://www.holdenagency.com Holden Agency (EBS) Donates $80,000 to Maine Medical Center Research Institute Scholarship Fund http://www.holdenagency.com/blog/holden-agency-ebs-donates-80000-maine-medical-center-research-institute-scholarship-fund <p><img alt="" src="/sites/default/files/blog-content/images/Hilary%20Woodworth.jpg" style="float:right; height:260px; width:175px" /><strong><em>Portland, ME</em></strong>The 2014 beneficiary of the Holden Agency/Employee Benefits Solutions (EBS) Research Scholarship fund is Hilary Woodworths research is with the Center for Tobacco Independence.</p> <!-- <rdf:RDF xmlns:rdf="http://www.w3.org/1999/02/22-rdf-syntax-ns#" xmlns:dc="http://purl.org/dc/elements/1.1/" xmlns:trackback="http://madskills.com/public/xml/rss/module/trackback/"> <rdf:Description rdf:about="http://www.holdenagency.com/blog/holden-agency-ebs-donates-80000-maine-medical-center-research-institute-scholarship-fund" dc:identifier="http://www.holdenagency.com/blog/holden-agency-ebs-donates-80000-maine-medical-center-research-institute-scholarship-fund" dc:title="Holden Agency (EBS) Donates $80,000 to Maine Medical Center Research Institute Scholarship Fund " trackback:ping="http://www.holdenagency.com/trackback/583" /> </rdf:RDF> --> <p><a href="http://www.holdenagency.com/blog/holden-agency-ebs-donates-80000-maine-medical-center-research-institute-scholarship-fund" target="_blank">read more</a></p> Holden Agency Home Page 000 to Maine Medical Center Research Institute Scholarship Fund Holden Agency (EBS) Donates $80 Uncategorized Tue, 17 Jun 2014 15:33:50 +0000 mbenoit 583 at http://www.holdenagency.com Dogs And Umbrella Insurance http://www.holdenagency.com/blog/dogs-and-umbrella-insurance <p>In today&rsquo;s economy, everyone is pinching pennies.&nbsp; So why worry about umbrella coverage?&nbsp; Shouldn&rsquo;t a home and auto policy leave you adequately covered?&nbsp;</p> <p>Unfortunately, we live in a world of lawsuits.&nbsp; Large damages can be awarded, be extremely expensive and have long-term financial impact.&nbsp; Those lawsuits can come from unlikely sources, such as our furry friends.</p> <p>Take Herschel for instance.&nbsp; Herschel is a much-loved, rather timid labradoodle who enjoys taking naps on the driveway while his owner mows the lawn.</p> <!-- <rdf:RDF xmlns:rdf="http://www.w3.org/1999/02/22-rdf-syntax-ns#" xmlns:dc="http://purl.org/dc/elements/1.1/" xmlns:trackback="http://madskills.com/public/xml/rss/module/trackback/"> <rdf:Description rdf:about="http://www.holdenagency.com/blog/dogs-and-umbrella-insurance" dc:identifier="http://www.holdenagency.com/blog/dogs-and-umbrella-insurance" dc:title="Dogs And Umbrella Insurance" trackback:ping="http://www.holdenagency.com/trackback/582" /> </rdf:RDF> --> <p><a href="http://www.holdenagency.com/blog/dogs-and-umbrella-insurance" target="_blank">read more</a></p> Holden Agency Home Page Attorney Fees Claims Dog Bites Dog Owners Dogs Home Insurance Insurance Insurance Protection. Law Suit Liability Insuance Responsibiity Personal Insurance Tue, 17 Jun 2014 14:05:25 +0000 Sharon Little 582 at http://www.holdenagency.com Revised Shared Responsibility Overview http://www.holdenagency.com/blog/revised-shared-responsibility-overview <p>On April 4, 2014 we posted an overview of the Final Shared Responsibility regulations of the Affordable Care Act.&nbsp; Since that time, we have received greater clarification about transitional relief for employers with 50 to 99 Full-Time Employees (including full-time equivalents) that have non-calendar year health plans.&nbsp; Please see page 5 of the attached <a href="/sites/default/files/blog-content/Shared%20Responsibility%20-Revised%20June%202014.pdf">document </a>for revised information.</p> <!-- <rdf:RDF xmlns:rdf="http://www.w3.org/1999/02/22-rdf-syntax-ns#" xmlns:dc="http://purl.org/dc/elements/1.1/" xmlns:trackback="http://madskills.com/public/xml/rss/module/trackback/"> <rdf:Description rdf:about="http://www.holdenagency.com/blog/revised-shared-responsibility-overview" dc:identifier="http://www.holdenagency.com/blog/revised-shared-responsibility-overview" dc:title="Revised Shared Responsibility Overview" trackback:ping="http://www.holdenagency.com/trackback/580" /> </rdf:RDF> --> <p><a href="http://www.holdenagency.com/blog/revised-shared-responsibility-overview" target="_blank">read more</a></p> Employee Benefits Home Page Employee Benefits Mon, 09 Jun 2014 13:08:16 +0000 mbenoit 580 at http://www.holdenagency.com Comparative Effectiveness Fee (PCORI) http://www.holdenagency.com/blog/comparative-effectiveness-fee-pcori <p>Today&rsquo;s update provides you with a reminder that payment and form filing is due by July 31 for the Comparative Effectiveness Fee (also called Patient Centered Outcomes Research Institute fee, PCORI).&nbsp; Form filing and payment is required by employers for:</p> <ul> <li> <p>Self-funded Medical Plans</p> </li> <li> <p>HRA plans that are provided separately from an insured medical plan</p> </li> </ul> <p>If your health insurance plan is fully-insured, the insurance company will be filing any fees associated with fully-insured coverage.</p> <!-- <rdf:RDF xmlns:rdf="http://www.w3.org/1999/02/22-rdf-syntax-ns#" xmlns:dc="http://purl.org/dc/elements/1.1/" xmlns:trackback="http://madskills.com/public/xml/rss/module/trackback/"> <rdf:Description rdf:about="http://www.holdenagency.com/blog/comparative-effectiveness-fee-pcori" dc:identifier="http://www.holdenagency.com/blog/comparative-effectiveness-fee-pcori" dc:title="Comparative Effectiveness Fee (PCORI)" trackback:ping="http://www.holdenagency.com/trackback/581" /> </rdf:RDF> --> <p><a href="http://www.holdenagency.com/blog/comparative-effectiveness-fee-pcori" target="_blank">read more</a></p> Employee Benefits Home Page Comparative Effectiveness Fee (PCORI) Employee Benefits Mon, 09 Jun 2014 13:15:40 +0000 mbenoit 581 at http://www.holdenagency.com Should Teen Drivers Be Allowed To Travel With Passengers? http://www.holdenagency.com/blog/should-teen-drivers-be-allowed-travel-passengers <p>Do you ever think about the amount of normal distractions that go on while you are driving down the road?&nbsp; Assuming you are an experienced driver you can probably handle the regular routine of driving across town just fine.&nbsp;</p> <p>&nbsp;</p> <p>What if you are a new driver who is moving from never driving to drivers education class and to getting&nbsp;your license and being out on the road alone?&nbsp; Now those normal driving distractions are a bit more of a concern, aren&rsquo;t they.</p> <p>&nbsp;</p> <!-- <rdf:RDF xmlns:rdf="http://www.w3.org/1999/02/22-rdf-syntax-ns#" xmlns:dc="http://purl.org/dc/elements/1.1/" xmlns:trackback="http://madskills.com/public/xml/rss/module/trackback/"> <rdf:Description rdf:about="http://www.holdenagency.com/blog/should-teen-drivers-be-allowed-travel-passengers" dc:identifier="http://www.holdenagency.com/blog/should-teen-drivers-be-allowed-travel-passengers" dc:title="Should Teen Drivers Be Allowed To Travel With Passengers?" trackback:ping="http://www.holdenagency.com/trackback/579" /> </rdf:RDF> --> <p><a href="http://www.holdenagency.com/blog/should-teen-drivers-be-allowed-travel-passengers" target="_blank">read more</a></p> Holden Agency Home Page Automobile Insurance Car Insurance Distractions Drivers Education Drivers Test. Driving Rules Rules of the Road Young Drivers Personal Insurance Thu, 08 May 2014 16:47:38 +0000 Sharon Little 579 at http://www.holdenagency.com Affordable Care Act - Look Back Measurement Period for Full-Time Employees http://www.holdenagency.com/blog/affordable-care-act-look-back-measurement-period-full-time-employees <p>Today&rsquo;s update provides you with an overview of the process to measure employees hours to determine Full-Time status in order for Large Employers to comply with the Shared Responsibility requirements.&nbsp;</p> <!-- <rdf:RDF xmlns:rdf="http://www.w3.org/1999/02/22-rdf-syntax-ns#" xmlns:dc="http://purl.org/dc/elements/1.1/" xmlns:trackback="http://madskills.com/public/xml/rss/module/trackback/"> <rdf:Description rdf:about="http://www.holdenagency.com/blog/affordable-care-act-look-back-measurement-period-full-time-employees" dc:identifier="http://www.holdenagency.com/blog/affordable-care-act-look-back-measurement-period-full-time-employees" dc:title="Affordable Care Act - Look Back Measurement Period for Full-Time Employees" trackback:ping="http://www.holdenagency.com/trackback/578" /> </rdf:RDF> --> <p><a href="http://www.holdenagency.com/blog/affordable-care-act-look-back-measurement-period-full-time-employees" target="_blank">read more</a></p> Employee Benefits Home Page Affordable Care Act - Look Back Measurement Period for Full-Time Employees Employee Benefits Fri, 02 May 2014 12:48:56 +0000 mbenoit 578 at http://www.holdenagency.com