Knowledge Center

Everything your business needs to know about
employee benefit packages, compliance,
and health care reform.







Non-Discrimination Testing: The Basics

What is Non-Discrimination Testing? It is a test to show there is no discrimination between the benefits given to highly compensated employees (HCEs)/key employees and other employees at the company. No discrimination means that there is fairness between all employees in terms of eligibility, contributions, or benefits of the plans. What is a HCE? There are two tests for determining if an employee is an HCE – an ownership test [...]

Oregon’s New Law on Balance Billing

When you receive a medical bill for a balance - even though you’ve already paid your deductible, coinsurance, or copayment- you might be wondering where the charges are coming from. Then you'll wonder why you, not your insurance, are responsible for paying it. Even in an in-network facility or hospital you can be responsible for those charges. For example, if you see radiologist who doesn’t have a contract with your [...]

The Pitfalls of COBRA and State Continuation

If you are a small employer with 19 or less employees, your group qualifies for “State Continuation” when an employee leaves the organization. Under State Continuation a soon to be ex-employee would then qualify to receive 9 months of continuing coverage under the existing group health plan. For those employers who have 20 or more employees, or for those with 19 or fewer but get their benefits as part of [...]

Benefits of Digital Onboarding

There are many different human resource information systems (HRIS) available. To find the one that fits your needs first start by identifying what your company’s top priorities and goals are. Here are three ways that we see digital onboarding working for your small business; Saves Time & Is Less Work – digital onboarding helps your new hires to get enrolled quickly and efficiently. You will no longer have to deal [...]

Drug Transparency in Oregon?

Recently we have seen several articles with the Drug Price Transparency Bill (OR House Bill 4005) that passed the Oregon Senate and is now headed to the Governor. The bill requires drug manufacturers to report marketing and research costs to the Department of Consumer and Business Services for drugs with a base price of more than $100 and that goes up by at least 10 percent in one year. Companies [...]

What Small Businesses Should Know About Health Reimbursement Arrangements (HRAs)

Beginning at the start of 2017, small businesses can again offer stand-alone HRAs (Health Reimbursement Arrangements) to their employees, thanks to the Small Business Healthcare Relief Act (SBHRA). These plans were available in the past, but were loosely regulated at the time. Now, with stricter guidelines, HRAs are once again allowed and available in agreement with the Affordable Care Act (ACA). Small businesses everywhere are taking advantage of the benefits [...]