Some deadlines apply to every plan, whatever the agency size.
Small agencies often assume compliance obligations only begin at certain headcounts. A few notices and attestations apply regardless.
Small does not mean exempt from the calendar.
What Is Actually True
Group health plans have recurring obligations such as the annual Medicare Part D creditable coverage notice, which is due before October 15, and the gag clause prohibition attestation due by December 31 each year.
These are easy to miss because they come from the carrier, the employer or both depending on the plan, and no one tells you the date has passed.
What We Do About It
We build the list of notices and attestations that apply to your plan and show who is responsible for each: the agency, the carrier or an administrator.
Then we put each date on a calendar with a reminder ahead of it. This is general information and not legal advice, so your counsel should confirm requirements for your plan.
How we handle it.
List What Applies
We identify the notices and attestations tied to your plan type, size and carrier arrangement.
Assign Responsibility
Each item has a named owner, whether the agency, the carrier or an administrator.
Schedule Reminders
Dates are placed on a calendar early enough to prepare, not just to scramble.
Questions on this topic.
Short answers for agency owners.
Which notices apply to a small agency?
It depends on the plan. Common examples include the Medicare Part D creditable coverage notice and the gag clause attestation, and we confirm the full list with you.
Does the carrier handle them?
Sometimes. Where the carrier handles an item we document that, and where it does not we assign it to the agency.
What if we missed one?
Tell us. Many items can be addressed once identified, and we help you plan the correction with your counsel.
General information, not legal or tax advice. Confirm the rules that apply to your agency with your attorney or tax advisor.
Send us your renewal.
We’ll tell you whether it looks competitive, where we see opportunity, and the five questions we’d put to your carrier. No cost, and no obligation to move anything.
The renewal letter
Your current plan summary
Contribution split by tier
Enrolled counts by tier
Four documents, two more if your group is 50 or more. Nothing else; every extra one is a reason to postpone.
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