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	<title>Benefits Industry News</title>
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	<link>http://www.csibenefits.us/blog</link>
	<description>Current Events in Employee Benefits</description>
	<lastBuildDate>Thu, 09 Sep 2010 15:53:56 +0000</lastBuildDate>
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		<item>
		<title>IRS issues PPACA rules on OTC drugs</title>
		<link>http://www.csibenefits.us/blog/health-care/irs-issues-ppaca-rules-on-otc-drugs/#utm_source=feed&amp;utm_medium=feed&amp;utm_campaign=feed</link>
		<comments>http://www.csibenefits.us/blog/health-care/irs-issues-ppaca-rules-on-otc-drugs/#comments</comments>
		<pubDate>Thu, 09 Sep 2010 15:53:56 +0000</pubDate>
		<dc:creator>Ken Mensio</dc:creator>
				<category><![CDATA[Health Care]]></category>
		<category><![CDATA[Health Care Reform]]></category>
		<category><![CDATA[Afford Care ACT]]></category>
		<category><![CDATA[FSAs]]></category>
		<category><![CDATA[HSAs]]></category>
		<category><![CDATA[IRS issues PPACA rules on OTC drugs]]></category>

		<guid isPermaLink="false">http://www.csibenefits.us/blog/?p=518</guid>
		<description><![CDATA[The Internal Revenue Service has issued guidance on the purchases of over-the-counter medicines and drugs with flexible spending arrangements and health savings accounts under the new health care law.
The Patient Protection and Affordable Care Act, enacted in March, established a new uniform standard that, effective Jan. 1, 2011, applies to FSAs and health reimbursement arrangements. 
]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Long-term care costs fall heavily on women</title>
		<link>http://www.csibenefits.us/blog/long-term-care/long-term-care-costs-fall-heavily-on-women/#utm_source=feed&amp;utm_medium=feed&amp;utm_campaign=feed</link>
		<comments>http://www.csibenefits.us/blog/long-term-care/long-term-care-costs-fall-heavily-on-women/#comments</comments>
		<pubDate>Mon, 30 Aug 2010 22:23:41 +0000</pubDate>
		<dc:creator>Ken Mensio</dc:creator>
				<category><![CDATA[Long-Term Care]]></category>
		<category><![CDATA[long-term care]]></category>
		<category><![CDATA[long-term care services]]></category>
		<category><![CDATA[medicare]]></category>
		<category><![CDATA[nursing homes]]></category>
		<category><![CDATA[women]]></category>

		<guid isPermaLink="false">http://www.csibenefits.us/blog/?p=516</guid>
		<description><![CDATA[Because women live longer, require more care and tend to be the primary caregivers in their families, long-term care falls disproportionately on their shoulders.

Yet according to a recent survey by Genworth Financial women face challenges talking to their families about putting together a financial strategy to deal with long-term care.

Genworth’s survey found that 72% of women said that the biggest barrier to starting this conversation is the concern about upsetting family members, compared with 57% of men that voiced the same worry.

Needless to say, seven out of 10 will need long-term care in their lifetime.

Despite the difficulty in having these tough conversations, long-term care is a hot button issue given that it is likely to be the greatest retirement expense facing Americans today. And as individuals continue to live longer the issue will only get worse.

The number of persons aged 65 or older is expected to double in the next 20 years; there will be 110% more people 80 or older, according to the U.S. Census Bureau.]]></description>
		<wfw:commentRss>http://www.csibenefits.us/blog/long-term-care/long-term-care-costs-fall-heavily-on-women/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Private exchanges have potential to breathe new life into VEBAs</title>
		<link>http://www.csibenefits.us/blog/health-care/private-exchanges-have-potential-to-breathe-new-life-into-vebas/#utm_source=feed&amp;utm_medium=feed&amp;utm_campaign=feed</link>
		<comments>http://www.csibenefits.us/blog/health-care/private-exchanges-have-potential-to-breathe-new-life-into-vebas/#comments</comments>
		<pubDate>Fri, 27 Aug 2010 16:47:33 +0000</pubDate>
		<dc:creator>Ken Mensio</dc:creator>
				<category><![CDATA[Health Care]]></category>
		<category><![CDATA[Retirees]]></category>
		<category><![CDATA[VEBA's]]></category>

		<guid isPermaLink="false">http://www.csibenefits.us/blog/?p=512</guid>
		<description><![CDATA[How to extend the life of a VEBA
"What VEBAs need and want is the highest quality of health care for the least amount of dollars. If the VEBA is able to use the exchanges to allow the VEBA and their members to get better value for less money, it extends the financial life of the VEBA," says Gephardt, who is also on the board of Extend Health.
He adds that "VEBAs are becoming popular because so many companies are in economic trouble they can't keep the future liabilities for health care for their retirees on their books - it's killing their balance sheet, yet the unions don't want to lose the benefits. At the end of the day, the viability of VEBAs will depend on whether it worked, if there is enough money there."
]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Most large employers changing health benefit for 2011</title>
		<link>http://www.csibenefits.us/blog/health-care/most-large-employers-changing-health-benefit-for-2011/#utm_source=feed&amp;utm_medium=feed&amp;utm_campaign=feed</link>
		<comments>http://www.csibenefits.us/blog/health-care/most-large-employers-changing-health-benefit-for-2011/#comments</comments>
		<pubDate>Fri, 20 Aug 2010 14:44:18 +0000</pubDate>
		<dc:creator>Ken Mensio</dc:creator>
				<category><![CDATA[Health Care]]></category>
		<category><![CDATA[Health Care Reform]]></category>
		<category><![CDATA[benefit costs increases]]></category>
		<category><![CDATA[health care benefit Costs]]></category>
		<category><![CDATA[Health care reform]]></category>
		<category><![CDATA[prescription drugs benefits]]></category>

		<guid isPermaLink="false">http://www.csibenefits.us/blog/?p=504</guid>
		<description><![CDATA[According to a new survey by National Business Group on Health, more than half (53%) of large U.S. employers plan to revise  their 2011 health care benefit programs in the wake of health care reform legislation and anticipated large benefit cost increases next year.]]></description>
		<wfw:commentRss>http://www.csibenefits.us/blog/health-care/most-large-employers-changing-health-benefit-for-2011/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Fast facts on consumer-driven health plans</title>
		<link>http://www.csibenefits.us/blog/health-insurance/fast-facts-on-consumer-driven-health-plans/#utm_source=feed&amp;utm_medium=feed&amp;utm_campaign=feed</link>
		<comments>http://www.csibenefits.us/blog/health-insurance/fast-facts-on-consumer-driven-health-plans/#comments</comments>
		<pubDate>Mon, 16 Aug 2010 17:21:06 +0000</pubDate>
		<dc:creator>Ken Mensio</dc:creator>
				<category><![CDATA[Health Care Insurance]]></category>
		<category><![CDATA[CDHPs]]></category>
		<category><![CDATA[EBRI Issue Brief]]></category>
		<category><![CDATA[Employee Benefit Research Institute]]></category>

		<guid isPermaLink="false">http://www.csibenefits.us/blog/?p=501</guid>
		<description><![CDATA[The nonpartisan Employee Benefit Research Institute sums up what is known about CDHPs and examines trends in offer rates and enrollment. It also looks at differences in premiums between CDHPs and other types of insurance, and discusses the drivers of the premium differences:

The report is in the August 2010 EBRI Issue Brief, available online at www.ebri.org.

Among the key points:

    * Offer rates: Surveys show that employers offering a CDHP increased from less than 5 percent in 2005 to between 12 percent to 15 percent by 2009. 

Growth in offer rates can be seen across all firm sizes. Recently, the percentage of small firms offering a CDHP has declined, while larger firms have continued to add a CDHP as an option.

    * Enrollment: Overall, 19.1 million, or 11 percent of individuals with private health insurance, were enrolled in a CDHP in 2009.
    * Premiums: Generally, premiums for CDHPs were lower than premiums for non-CDHPs. Growth in premiums varies both by type of plan and over time.
    * Explaining differences in premiums: A number of studies have tried to explain the differences in premiums between CDHPs and non-CDHPs. One found savings ranged from a high of 15.5 percent to a low of –4.7 percent, with average savings of 4.8 percent. 

However, the study found that most of the savings was due to younger, healthier workers choosing CDHPs and concluded that once typical risk- and benefit-adjustment factors were taken into account, CDHPs saved only 1.5 percent.

There is strong evidence that, initially, CDHP enrollees will be healthier than non-CDHP enrollees, but that over time the CDHP population has a significantly higher illness burden.

    * Impact of CDHPs on preventive services: The studies agree that use of preventive services did not change (upward or downward) as a result of the CDHP.
    * Impact of CDHPs on medication adherence: The studies found that overall use of brand name prescription drugs fell among CDHP enrollees, and, while there was some offset from increased use of generic drugs, some enrollees stopped their use of prescription drugs. CDHP enrollees increased their use of the mail-order pharmacy option. Overall use of prescription drugs among CDHP enrollees with certain chronic conditions fell, or did not increase when enrollees met their deductible. One study found that the financial incentives of the plan are not sufficient in driving behavior, and that educational outreach also matters.

 ]]></description>
		<wfw:commentRss>http://www.csibenefits.us/blog/health-insurance/fast-facts-on-consumer-driven-health-plans/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Five Market-Tested Strategies for Reducing Wasteful Healthcare Spending</title>
		<link>http://www.csibenefits.us/blog/health-care/five-market-tested-strategies-for-reducing-wasteful-healthcare-spending/#utm_source=feed&amp;utm_medium=feed&amp;utm_campaign=feed</link>
		<comments>http://www.csibenefits.us/blog/health-care/five-market-tested-strategies-for-reducing-wasteful-healthcare-spending/#comments</comments>
		<pubDate>Thu, 12 Aug 2010 19:16:03 +0000</pubDate>
		<dc:creator>Ken Mensio</dc:creator>
				<category><![CDATA[Health Care]]></category>
		<category><![CDATA[U.S. Healthcare System]]></category>
		<category><![CDATA[Wastefull Healthcare Spending]]></category>

		<guid isPermaLink="false">http://www.csibenefits.us/blog/?p=491</guid>
		<description><![CDATA[ August 5, 2010

Our new white paper, “A Path to Eliminating $3.6 Trillion in Wasteful Healthcare Spending,” charts a course for the U.S. healthcare industry to eliminate $3.6 trillion in healthcare waste over the next 10 years by addressing a series of operational inefficiencies. Specifically for employers we examine proven methods for eliminating waste, drawing from Thomson Reuters client experience and other literature. This presentation will highlight specific actions that can tackle identifiable waste in healthcare spending.

Join Bob Kelley, VP of Healthcare Analytics at Thomson Reuters, to learn about the country’s leading public and private sector efforts to reduce waste in the healthcare system and identify five proven strategies that have been deployed in the real world to cut costs and improve patient care:

    * Engage Consumers
    * Coordinate and Share Information
    * Manage Disease and Maintain Wellness
    * Design for Patient Safety and Quality
    * Reduce Opportunities for Fraud

“A Path to Eliminating $3.6 Trillion in Wasteful Healthcare Spending” is coauthored by Bob Kelley, Vice President, Healthcare Analytics and Dr. Ray Fabius, Chief Medical Officer, both of Thomson Reuters. It is a follow-up to Kelley’s ground-breaking paper “Where Can $700 Billion Be Cut Annually from the U.S. Healthcare System?” that was cited in numerous blogs, broadcasts, newspapers, business journals, trade magazines, and congressional testimony.

Source: Employee  Benefits News article used by permission.

Sponsored by:

]]></description>
		<wfw:commentRss>http://www.csibenefits.us/blog/health-care/five-market-tested-strategies-for-reducing-wasteful-healthcare-spending/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Lowering costs before reform takes effect will pay off in the long run</title>
		<link>http://www.csibenefits.us/blog/health-care/lowering-costs-before-reform-takes-effect-will-pay-off-in-the-long-run/#utm_source=feed&amp;utm_medium=feed&amp;utm_campaign=feed</link>
		<comments>http://www.csibenefits.us/blog/health-care/lowering-costs-before-reform-takes-effect-will-pay-off-in-the-long-run/#comments</comments>
		<pubDate>Wed, 04 Aug 2010 15:04:45 +0000</pubDate>
		<dc:creator>Ken Mensio</dc:creator>
				<category><![CDATA[Health Care]]></category>
		<category><![CDATA[Health Care Reform]]></category>
		<category><![CDATA[controlling heaalth care spending]]></category>
		<category><![CDATA[health care costs]]></category>
		<category><![CDATA[Health care reform]]></category>
		<category><![CDATA[HIPAA]]></category>
		<category><![CDATA[PBM]]></category>
		<category><![CDATA[Prescription Costs]]></category>

		<guid isPermaLink="false">http://www.csibenefits.us/blog/?p=485</guid>
		<description><![CDATA[Change is definitely on the horizon. The recently passed health care reform legislation is designed to ensure virtually all Americans will have access to reasonably priced medical insurance and, as a result, reasonably priced health care.

As companies move toward new rules and mandates, most will find that implementing measures to reduce health care costs now will pay off in the long run.

According to the Congressional Budget Office, total spending on health care in the U.S. has doubled over the last 30 years and now makes up about 16 percent of the gross domestic product
]]></description>
		<wfw:commentRss>http://www.csibenefits.us/blog/health-care/lowering-costs-before-reform-takes-effect-will-pay-off-in-the-long-run/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Key notification and communication requirements in health care reform</title>
		<link>http://www.csibenefits.us/blog/health-care/key-notification-and-communication-requirements-in-health-care-reform/#utm_source=feed&amp;utm_medium=feed&amp;utm_campaign=feed</link>
		<comments>http://www.csibenefits.us/blog/health-care/key-notification-and-communication-requirements-in-health-care-reform/#comments</comments>
		<pubDate>Fri, 30 Jul 2010 16:33:32 +0000</pubDate>
		<dc:creator>Ken Mensio</dc:creator>
				<category><![CDATA[Health Care]]></category>
		<category><![CDATA[Health Care Reform]]></category>
		<category><![CDATA[health care bill]]></category>
		<category><![CDATA[Health Care Law]]></category>
		<category><![CDATA[Health care reform]]></category>

		<guid isPermaLink="false">http://www.csibenefits.us/blog/?p=477</guid>
		<description><![CDATA[You’ve likely been focusing mostly on the plan design and administration requirements of health care reform. But, the law has a series of new notification and communication requirements that start this year and extend over the next several years.

You’ll need to be thinking not only about the strategic communication needs—how to keep employees engaged in their health and managing costs—but also how to meet these legal requirements in a way that adds the most value. (And, creates the least amount of additional work for you and your team.)

Much is still in flux about the changes in health care, but this article captures the key notification requirements and what to look for as regulations are issued.

Seven health care reform notices ]]></description>
		<wfw:commentRss>http://www.csibenefits.us/blog/health-care/key-notification-and-communication-requirements-in-health-care-reform/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Health-reform regs overhaul claims appeals process</title>
		<link>http://www.csibenefits.us/blog/health-care/self-insured-health-plans/health-reform-regs-overhaul-claims-appeals-process/#utm_source=feed&amp;utm_medium=feed&amp;utm_campaign=feed</link>
		<comments>http://www.csibenefits.us/blog/health-care/self-insured-health-plans/health-reform-regs-overhaul-claims-appeals-process/#comments</comments>
		<pubDate>Tue, 27 Jul 2010 21:02:14 +0000</pubDate>
		<dc:creator>Ken Mensio</dc:creator>
				<category><![CDATA[Health Care Reform]]></category>
		<category><![CDATA[Self Insured Health Plans]]></category>
		<category><![CDATA[Appeals process regulations]]></category>
		<category><![CDATA[Health care reform]]></category>
		<category><![CDATA[Patient Protection and Affordable Care Act]]></category>
		<category><![CDATA[PPACA]]></category>

		<guid isPermaLink="false">http://www.csibenefits.us/blog/?p=472</guid>
		<description><![CDATA[The Obama Administration released interim final regulations aimed at creating a system of checks and balances for the internal and external appeals processes of health claims.

Governed by the Patient Protection and Affordable Care Act, the interim final rule requires group health plans and insurers to establish a comprehensive appeals processfor patients who appeal decisions on coverage, services and claim payments. The interim final regulations apply to self-funded health plans, but not to grandfathered plans under the PPACA.

The Departments of Health and Human Services, Labor and the Treasury issued the interim final rule, which will take effect on Sept. 21, 2010.]]></description>
		<wfw:commentRss>http://www.csibenefits.us/blog/health-care/self-insured-health-plans/health-reform-regs-overhaul-claims-appeals-process/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Health Care Reform: Preventive Services Interim Final Rules Released</title>
		<link>http://www.csibenefits.us/blog/health-insurance/health-care-reform-preventive-services-interim-final-rules-released/#utm_source=feed&amp;utm_medium=feed&amp;utm_campaign=feed</link>
		<comments>http://www.csibenefits.us/blog/health-insurance/health-care-reform-preventive-services-interim-final-rules-released/#comments</comments>
		<pubDate>Fri, 23 Jul 2010 15:18:20 +0000</pubDate>
		<dc:creator>Ken Mensio</dc:creator>
				<category><![CDATA[Health Care Insurance]]></category>
		<category><![CDATA[Health Care Reform]]></category>
		<category><![CDATA[affordable care act]]></category>
		<category><![CDATA[preventive health services]]></category>

		<guid isPermaLink="false">http://www.csibenefits.us/blog/?p=465</guid>
		<description><![CDATA[On July 14, 2010, the Departments of Labor, Health and Human Services and Treasury released final interim rules implementing the preventive health services provisions under the Affordable Care Act. Read this alert to learn more about the new rules.]]></description>
		<wfw:commentRss>http://www.csibenefits.us/blog/health-insurance/health-care-reform-preventive-services-interim-final-rules-released/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
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