Cicero is still a little bitter ever since the Navy SEALS took out his hero and BFFL Osama BinLaden.
...Don't forget my bitterness over the CIA killing an American citizen along with Rule of Law and Due Process. I will miss my BFFL Due Process, it used to give me so much security.
Automating the many processes surrounding human resource management and human capital management enables you and your staff to become more efficient and effective and focus on your organization’s core competencies. Whether your needs are to reduce the manual workload, empower your managers and employees through self service options, or more effectively manage your human capital, ADP’s suite of HR services can help. With ADP’s Human Resource Management services you gain the ability to manage:
Human Resource Solutions
Manage salaries and pay grades Track benefits plans Manage government reporting and compliance Integrate with ADP payroll services, time & attendance, and talent management solutions Employee and Human Resource Manager Self Service Solutions
Enable employees to review their HR services, payroll check and benefits administration records Allow employees to update personal information Build awareness with online employee communications Empower managers to access information to conduct online performance reviews Talent Management Solutions
Background Screening and Pre-Employment Services assist with; sourcing, attracting, developing and employee retention lifecycle Reduce your company’s exposure to potentially incompatible hires Position your company for growth through strategic hiring practices Human Resource Outsourcing
Transform how HR services are delivered within your company Shed the transactional, repetitive and low-value-added tasks of HR services Concentrate on aligning Human Resource Management with the strategic goals of your company
...you are a product of your environment, your environment is a product of your priorities, your priorities are a product of you......
The replacement of morality and conscience with law produces a deadly paradox.
STOP BEING GOOD DEMOCRATS---STOP BEING GOOD REPUBLICANS--START BEING GOOD AMERICANS
SIMPLE IRA TIME AND ATTENDANCE TALENT MANAGEMENT WORKERS' COMPENSATION PRE-EMPLOYMENT SERVICES PEO SALES AND USE TAX THE RUN SMALL BUSINESS SOLUTION ADP TOTALSOURCE HR BPO ADP RESOURCE PROCURE-TO-PAY SOLUTIONS STANDALONE SERVICES MEDICAL PRACTICE SERVICES Go Back To: | Home | Products & Solutions
ShareThis Print this Page ADP Medical Practice Services
Achieve Medical Practice Optimization Imagine if you could automate both the business administration and clinical processes of your practice enabling you to focus more on patient care. You can. Introducing the first, complete Medical Practice Optimization (MPO) solution for private practices and medical billing companies. These new services include online medical scheduling, electronic insurance verification, patient check-in, charting, electronic prescribing, and revenue cycle management, building on our wide range of HR, payroll, tax and benefits administration solutions.
Ranked among the top ten medical practice management software (PM) and electronic health records (EHR/EMR software) solutions, the ADP AdvancedMD cloud-based medical billing software gives you a complete paperless practice, enabling you to easily work across the clinical and financial areas from a single, integrated solution, improving staff productivity and practice profitability. Learn more about our software solutions for medical practices.
The Right Billing Outsourcing Solutions, Right in Your Backyard
Are the distractions of billing and claims management taking time away from health care? Having more time and focus to manage the clinical side of your practice is a powerful benefit to you and your patients. As an optional service, we can match you with our network of local billing services and provide three quotes for free. Together, we’ll get the job done. Learn more about working with a proven, experienced medical billing service.
Partner with Us and Grow Your Medical Billing Business
If your claims processing software is holding you back due to numerous manual steps and high first-submission denial rates, your business will benefit from the ADP AdvancedMD revenue management platform. Not only do you gain access to a labor saving, profit-improving technology platform, you gain access to a unique partner program that offers a range of marketing and sales support programs designed to help you grow faster. When you combine your medical billing expertise and customer service, with our highly automated billing platform, your business gains a competitive advantage that is worth investigating. Learn more about the AdvanceBiller partner program.
WHITE PAPERS / CASE STUDIES COMPLIANCE CONNECTION EVENTS INDUSTRY / VERTICAL MARKETS NEWSLETTERS REFERENCE MATERIALS / DEMOS TESTIMONIALS TRAINING Go Back To: | Home | Tools & Resources
ShareThis Print this Page Eye On Washington: Health Care Reform
Updated: August 7, 2012
Health Care Reform Will Affect Premium-Only Cafeteria Plans - But How?
Premium-only cafeteria (“POP”) plans have been a popular way for employers to help employees obtain favorable tax treatment for their share of premiums for health insurance and other qualified benefits. POP plans provide a “win-win” solution - employees save by paying their share of insurance premiums on a pre-tax basis, and employers save by not paying FICA and federal unemployment taxes on those amounts.
Under current law, the term “qualified benefit” is broadly defined to include many types of insurance coverage, whether offered on a group or individual basis (for example, medical, dental, vision, disability, AD&D, and group term life insurance). Beginning January 1, 2014, the Affordable Care Act (“ACA”) adds a new section 125(f)(3) to the Internal Revenue Code (“Code”). This provision significantly narrows the definition of “qualified benefit” to exclude individual insurance coverage offered through a State Exchange. Although the scope of the ACA change remains unclear, and the precise impact on POP plans remains unknown, we expect POP plans will continue as a tax-favored vehicle after ACA. This article outlines the new rules, and describes the potential impact.
Background
The ACA provides incentives for States to establish and operate two types of Exchanges – American Health Benefit Exchanges (“Individual Exchanges”) and Small Business Health Option Program Exchanges (“SHOP Exchanges”). Individual Exchanges will help people purchase individual health insurance coverage, and SHOP Exchanges will help qualified employers purchase group health insurance coverage. States also have discretion to consolidate Individual and SHOP Exchanges into a single Exchange. If a State chooses not to set up Exchanges, then the Federal Government will establish and operate Exchanges in that State.
The Exchanges will sell only qualified health plans. These are health insurance plans that cover essential health benefits, meet specific cost-sharing rules and satisfy actuarial value requirements (bronze, silver, gold, platinum and a catastrophic plan for individuals under 30). Exchanges are not exclusive – subject to State regulation, individuals and employers will also be able to purchase individual and group health insurance coverage “off” the Exchanges. But people with income between 100% and 400% of the federal poverty level have a strong incentive to purchase individual health insurance coverage on the Individual Exchange – premium tax credits are not available for coverage purchased “off” the Exchange.
There are a multitude of definitions related to Exchanges. A “qualified employer” is a small employer that makes all full-time employees eligible for small group health insurance coverage on a SHOP Exchange. A “small employer” is an employer with no more than 100 employees, although States may choose to use a narrower definition for 2014 and 2015 (an employer with no more than 50 employees). Beginning in 2017, States may also choose to allow larger employers to purchase group coverage on a SHOP Exchange.
New Restrictions on Qualified Benefits
New Code section 125(f)(3) includes a general rule and an exception. Under new Code section 125(f)(3)(A), the general rule is that the term “qualified benefit” does not include a qualified health plan offered through an Exchange. The legislative history suggests this rule is intended to prevent employers from using cafeteria plans to allow employees to make pre-tax purchases of individual health insurance coverage from an Individual Exchange. And new Code section 125(f)(3)(B) provides the exception – the general rule does not apply to “qualified employers” (as defined above) that offer employees the opportunity to enroll in a qualified health plan through an Exchange. The legislative history suggests this rule is intended to allow qualified employers to use cafeteria plans to allow employees to pay their share of premiums for group health insurance coverage from a SHOP Exchange.
Winners and Losers?
Predicting winners and losers at this point is dicey. One challenge is that the law includes ambiguities, and the IRS has not yet issued guidance. Another challenge is that several interpretations are left to the States – how to define the term “small employer” for 2014 and 2015, whether to let larger employers purchase coverage on the SHOP Exchange beginning in 2017, and whether to combine the Individual and SHOP Exchanges.
Are POP plans doomed? Not at all. But POP plans will need to change modestly to reflect the new restrictions. For example, POP plans will not be able to facilitate the pre-tax purchase of individual health insurance from an Individual Exchange. This will be true for both small and large employers. But otherwise, POP plans will remain quite viable. For example, POP plans can facilitate the pre-tax payment of an employee’s share of premiums for qualified employers that purchase group coverage on an Exchange. In addition, POP plans can facilitate the pre-tax purchase of individual health insurance “off” an Individual Exchange. And POP plans can also facilitate the pre-tax payment of an employee’s share of premiums for large employers that purchase group coverage “off” the Exchange.
Summary
Based on what we know today, we believe that POP plans will generally continue to be available as a vehicle to provide tax favorable premium conversion benefits for employers and employees. However, beginning in 2014, employers will not be able to use POP plans to help employees make pre-tax purchases of individual health insurance coverage on an Individual Exchange. We’ll keep you informed as additional guidance becomes available.
Download a PDF version of this article here.
About ADP
ADP is committed to assisting businesses with increased compliance requirements resulting from rapidly evolving legislation. Our goal is to minimize your administrative burden across the entire spectrum of payroll, tax, HR and benefits, so that you can focus on running your business. Neither the content nor the manner in which this notice is presented reflects the thoughts or opinions of ADP or its employees. This notice is provided as a courtesy to our clients, to assist in understanding the impact of certain regulatory requirements, and should not be construed as tax or legal advice. Such information is by nature subject to revision and may not be the most current information available. ADP encourages interested readers to consult with appropriate legal and/or tax advisors. Please be advised that calls to and from ADP may be monitored or recorded.
Contact your local ADP client service team if you have any questions regarding our services or call 1-800-CALL-ADP.
...you are a product of your environment, your environment is a product of your priorities, your priorities are a product of you......
The replacement of morality and conscience with law produces a deadly paradox.
STOP BEING GOOD DEMOCRATS---STOP BEING GOOD REPUBLICANS--START BEING GOOD AMERICANS
White House Sets Ground Rules for Local Interviews
by Keith Koffler on August 21, 2012, 11:20 am
The White House is doing something with its local TV interviews that it could not easily get away with in encounters with the White House press corps, which President Obama has been studiously ignoring: choosing the topic about which President Obama and the reporter will talk.
In interviews with three local TV stations Monday, two from states critical to Obama’s reelection effort, Obama held forth on the possibility of “sequestration” if he and Congress fail to reach a budget deal, allowing him to make his favorite political point that Republicans are willing to cause grievous harm to the economy and jobs in order to protect the rich from tax increases.
Obama Monday threw the White House press corps a bone by suddenly appearing in the briefing room for 22 minutes and taking questions from a total of four reporters. It was his first press conference at the White House – albeit in miniature – since March, and only his second of the year. Obama before Monday had taken exactly one substantive question from White House reporters since June.
Total. Obama 27, Bush 19 Foreign: Obama 17, Bush 12 Domestic: Obama 10, Bush 7 Joint: Obama 16, Bush 14 Solo: Obama 11, Bush 5
The modern conservative is engaged in one of man's oldest exercises in moral philosophy; that is, the search for a superior moral justification for selfishness. John Kenneth Galbraith
The difference being even Bush didn't tell the press what questions to ask.
So you are accusing Obama of telling the press what questions to ask in a press conference??? Sounds interesting. Do you have a link... (a real link... not a FoxSnooze link)?
The modern conservative is engaged in one of man's oldest exercises in moral philosophy; that is, the search for a superior moral justification for selfishness. John Kenneth Galbraith
White House Sets Ground Rules for Local Interviews
by Keith Koffler on August 21, 2012, 11:20 am The White House is doing something with its local TV interviews that it could not easily get away with in encounters with the White House press corps, which President Obama has been studiously ignoring: choosing the topic about which President Obama and the reporter will talk. In interviews with three local TV stations Monday, two from states critical to Obama’s reelection effort, Obama held forth on the possibility of “sequestration” if he and Congress fail to reach a budget deal, allowing him to make his favorite political point that Republicans are willing to cause grievous harm to the economy and jobs in order to protect the rich from tax increases.
Obama Monday threw the White House press corps a bone by suddenly appearing in the briefing room for 22 minutes and taking questions from a total of four reporters. It was his first press conference at the White House – albeit in miniature – since March, and only his second of the year. Obama before Monday had taken exactly one substantive question from White House reporters since June.
White House Sets Ground Rules for Local Interviews
by Keith Koffler on August 21, 2012, 11:20 am The White House is doing something with its local TV interviews that it could not easily get away with in encounters with the White House press corps, which President Obama has been studiously ignoring: choosing the topic about which President Obama and the reporter will talk. In interviews with three local TV stations Monday, two from states critical to Obama’s reelection effort, Obama held forth on the possibility of “sequestration” if he and Congress fail to reach a budget deal, allowing him to make his favorite political point that Republicans are willing to cause grievous harm to the economy and jobs in order to protect the rich from tax increases.
Obama Monday threw the White House press corps a bone by suddenly appearing in the briefing room for 22 minutes and taking questions from a total of four reporters. It was his first press conference at the White House – albeit in miniature – since March, and only his second of the year. Obama before Monday had taken exactly one substantive question from White House reporters since June.
"for 22 minutes and taking questions from a total of four reporters." So 22 minutes total, with a question or two from 4 reporters, would be about 4 or 5 minutes per question answer period. And.....? This means something???
As posted above, Obama has already given far more press conferences than his predecessor.
The subject of a presidential interview (and sometimes of a Press Conference) is often predetermined. Nothin' new there.
The modern conservative is engaged in one of man's oldest exercises in moral philosophy; that is, the search for a superior moral justification for selfishness. John Kenneth Galbraith
A new Wall Street Journal/NBC News poll finds: President Obama leading Mitt Romney nationally by four points, 48% to 44%.
"These numbers are only slightly changed from July, when Obama led Romney by six points in the survey, 49 percent to 43 percent, suggesting a minimal bounce for Romney (if at all) after this month's Ryan pick."
Key findings: "Looking inside the numbers, Obama continues to lead Romney among key parts of his political base, including: African Americans (94 percent to 0 percent), Latinos (by a 2-to-1 margin), voters under 35-years-old (52 percent to 41 percent) and women (51 percent to 41 percent).
Romney is ahead with whites (53 percent to 40 percent), rural voters (47 percent to 38 percent) and seniors (49 percent to 41 percent).
And the two presidential candidates are essentially even when it comes to the swing groups of suburban voters, Midwest residents and political independents."
The modern conservative is engaged in one of man's oldest exercises in moral philosophy; that is, the search for a superior moral justification for selfishness. John Kenneth Galbraith
White House Press Corps Wonders When Obama Will Actually Take Their Questions The Huffington Post | By Jack Mirkinson Posted: 08/17/2012 12:50 pm Updated: 08/17/2012 4:11 pm
FOLLOW: Barack Obama , 2012 Media, 2012 Media Coverage, White House Press Corps, Election 2012 Media, Election 2012 Media Coverage, Josh Earnest, White House Press Obama, Media News
The agitation appears to be increasing among the media as President Obama continues to avoid taking questions from White House reporters. On Friday, Obama's deputy press secretary parried a series of volleys from the White House press corps, all of whom wanted to know when the president would break his over-two-month streak of not formally answering their questions.
The issue has edged its way into the media spotlight in recent days, especially after Obama spoke about the campaign on "Entertainment Tonight" and talked about his music tastes with a New Mexico radio station. That led to acid replies from ABC's Jake Tapper and the "Morning Joe" team. NBC's Andrea Mitchell also had a sharp exchange with Ben LaBolt, the Obama campaign's press secretary, about Obama's AWOL approach. On Friday, she repeated the line of attack with DNC chair Debbie Wasserman-Schultz.
On Friday, multiple reporters asked deputy press secretary Josh Earnest when Obama would appear next before them.
"I don't have any scheduling announcements," Earnest said. He contended that the press has actually "heard quite a bit" from Obama, who he said has been "talking to a number of reporters." He also said that Obama had answered a question shouted at him at a bill signing from a White House reporter, and that the press had been able to air the president's comments to
NBC's Kristen Welker noted that Obama has been talking about things like his views on the song "Call Me Maybe."
"I have no doubt that the president will continue to take questions from the august body of journalists who are in the room," Earnest responded.
Reporters also vented their frustrations to Politico. NBC's Chuck Todd told the site that relations have reached "a new low."
The modern conservative is engaged in one of man's oldest exercises in moral philosophy; that is, the search for a superior moral justification for selfishness. John Kenneth Galbraith
Obama Leads in Florida, Ohio and Wisconsin New Quinnipiac/New York Ttimes/CBS News polls of likely voters finds President Obama leading Mitt Romney in three crucial swing states. Florida: Obama 49%, Romney 46% Ohio: Obama 50%, Romney 44% Wisconsin: Obama 49%, Romney 47%.
Key findings: ~ "Roughly 6 in 10 likely voters in each state want Medicare to continue providing health insurance to older Americans the way it does today; ~ fewer than a third of those polled said Medicare should be changed in the future to a system in which the government gives the elderly fixed amounts of money to buy health insurance or Medicare insurance, as Mr. Romney has proposed. And Medicare is widely seen as a good value: about three-quarters of the likely voters in each state said the benefits of Medicare are worth the cost to taxpayers."
The modern conservative is engaged in one of man's oldest exercises in moral philosophy; that is, the search for a superior moral justification for selfishness. John Kenneth Galbraith
Key findings: ~ "Roughly 6 in 10 likely voters in each state want Medicare to continue providing health insurance to older Americans the way it does today; ~ fewer than a third of those polled said Medicare should be changed in the future to a system in which the government gives the elderly fixed amounts of money to buy health insurance or Medicare insurance, as Mr. Romney has proposed. And Medicare is widely seen as a good value: about three-quarters of the likely voters in each state said the benefits of Medicare are worth the cost to taxpayers."
Medicare is a good value to the people receiving the benefits... the problem is, it's not sustainable. It's the fact that no one wants to talk about, they'd rather kick the can down the road. It's all coming to a head, cities are draining their rainy day funds, the ones that don't have them are declaring bankruptcy. States are running in the red, and we are running Trillion dollar yearly deficits at the federal level. The ONLY reason we are not Greece on steroids is we hold the reserve currency. No voter wants to hear the TRUTH and the pols won't tell it because it means they won't get elected. You can say tax the rich all you want, but we are going to need a lot more than that. Reduction in benefits and services, increases in everyone's taxes, and the job losses that will happen when the contraction is done. Both parties have lied to the voters for 30+ years... the piper coming to be paid very soon.
"Arguing with liberals is like playing chess with a pigeon; no matter how good I am at chess, the pigeon is just going to knock out the pieces, crap on the board, and strut around like it is victorious." - Author Unknown
Logged
