Blog

Is Your Group Plan Certified?

With the plethora of unending new legislation arriving daily, coding and electronic reporting issues becoming an impediment to your reimbursements, as well as your practice/business, we now have yet another issue to present, Employer Certification. The carriers have always reserved the right

Health Reform-Reformation-Repeal?

In the nearly 40 years that our practice has been serving the medical community, we have not experienced the kind of rate increases we have just seen through this last year and, regrettably, there doesn’t appear to be any abatement in site. While we are to believe that we will enjoy better

Health Reform 2010

September 23, 2010 will be a significant date for all of us who provide Group Health Insurance plans for ourselves and/or our employees, as the following important provisions take effect: The use of multiple carriers will no longer be an option, as newly enacted legislation requires that the

Health Insurance TAX CREDIT and ALERT!

Tax Credit As a Small Employer, you may have already received your post card from the IRS notifying you of a TAX CREDIT of up to 35% of the premiums that you are (or may be) paying for the cost of monthly premiums toward your Employees Health Insurance. This TAX CREDIT is scheduled to increas

HSA Updates — Legislative Change(s) for 2010

Written by Michael G. Kirwan, ChFC, CLU Published Spring 2010   To our Valued HSA/MSA Clients: We are pleased to inform you of yet another major enhancement to your HSA/MSA Program regarding your ability to make “Tax Deductible” contributions for 2010 and beyond. HSA/MSA Plan partici

Initiate a Personal Stimulus Plan for your Practice

Written by Michael G. Kirwan, ChFC, CLU Published in the Morris County Medical Society Newsletter, Winter edition   Initiate a Personal Stimulus Plan for your Practice Employee Premiums — while there is no set or average rate for an employer to charge, it is critical that the plan part

Is There a Doctor in the House?… or Anywhere?

Written by Michael G. Kirwan, ChFC, CLU Published Fall 2009 in the New Jersey Union County and Morris County Medical Societies’ Newsletters   Is there a Doctor in the House?… or Anywhere! I can vividly recall the debacle that was malpractice insurance in Pennsylvania in the e

Medical Money Matters

Written by Michael G. Kirwan, ChFC, CLU Published Summer 2009 in the New Jersey Union County and Morris County Medical Societies’ Newsletters   As we hurtle toward a National Health Insurance Plan and ever increasing Health Insurance Premiums, we would like you to be aware of certa

Medical Savings through Professional Advice

Written by Michael G. Kirwan, ChFC, CLU Published Winter/Spring 2009 in the New Jersey Union County and Morris County Medical Societies’ Newsletters   In these extraordinarily difficult economic times, if you are not getting the same Professional Advice from your Advisors, as you d

Consumer Driven Health Care—What’s Left in Your Wallet?

Written by Michael G. Kirwan, ChFC, CLU Published Winter 2008 in the Bergen, Union and Morris County Newsletters   Over the last, now nearly four decades, I have been privileged to have worked with the Medical Community and, in particular, with the engines and drivers of the most resourc