FOR YOUR BENEFIT.......
The Sullivan Benefits Monthly Newsletter 
March 2, 2009




Wellness and Healthy Living
By Nan Maley, R.N.
Corporate Wellness Director, Sullivan Benefits
 
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Chronic diseases, including heart disease, cancer, and diabetes, are the leading causes of death and disability in the United States.   They are pervasive, costly, and, in many cases, either preventable or manageable through the combined application of medical science and healthy lifestyles.
 
The Centers for Disease Control and Prevention (CDC) reports that 133 million people - about half of all adult Americans - live with at least one chronic medical condition, and that chronic diseases account for 70 percent of all deaths and one-third of the years of potential life lost before age 65.  READ MORE
 
Generic Drugs Does not equalLower Cost?
By Chrystine M. Heier, CEBS, LIA
Co-Founder and Principal, Sullivan Benefits
 
Have you been to a pharmacy lately and been offered a discount?  Well, if you haven't, you should inquire, as potential savings are available.........
 
I recently had to refill a generic prescription for one of my family members, and now that I am enrolled in a consumer-driven high deductible health plan I have to pay the first $3,000 in our medical care costs.  Consequently, I actually listened to my trusted pharmacist when he asked me if I wanted to join the Walgreen's Prescription Savings Club.
 
Interestingly enough, I learned that the prescription that once cost a $15 copayment when we were on an HMO with drugs covered 100% after applicable copayments, now would only cost me $9.99 for a 30 day supply or $12 for a 90 day supply if I joined the discount program.  There was also savings to be reaped with my AAA card, although it was not as beneficial on this prescription.  In addition, I learned that by using the store discount program, I did not need to be concerned about my insurer's quality care dosing requirements and my family member could have the full prescription, which was a dosage slightly higher than FDA guidelines, without having to go through some extra steps - what a bonus!  READ MORE
Sullivan Benefits is your one-stop resource for all your employee benefits and insurance needs:

Cost saving approaches
Employee wellness programs
Needham Heights Office:
72 River Park · Needham Heights, MA 02494-2631
Phone: 781.449.8323 · Fax: 781.449.5419

Worcester Office:
One Chestnut Place · Worcester, MA 01608-2804
Phone: 508.471.9017 · Fax: 508.797.3689

Sullivan Benefits - Innovative Solutions. Trusted Advice.

THE COMPLIANCE
CORNER...........

Action Required to Comply with New COBRA Provisions
 
The American Recovery and Reinvestment Act (ARRA) expands current COBRA rules and provides a nine month 65% federal COBRA premium subsidy for employees who were involuntarily terminated between Sept. 1, 2008 and Dec.31, 2009.  Employers must implement new COBRA procedures, extend enrollment opportunities and create subsidy procedures promptly.  See our February 20, 2009 Employer Alert for details.
 
Other ARRA Resources:
 
DOL - EBSA COBRA Continuation Coverage Assistance Under The American Recovery And Reinvestment Act Of 2009
 
DOL - EBSA Premium Reduction Fact Sheet
 
 
 
 
 
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Notice to Sullivan Benefits Clients
 
If you currently utilize our COBRA Administration services, please note our Travis COBRA Software is being modified and the system updates are scheduled to be completed on Monday, March 2, 2009.  The updates will implement new procedures and create new notices, forms and reports necessary to comply with the Act.  In addition, we will be contacting you to determine whether or not your organization will be allowing participants to elect an alternative COBRA coverage option (with the same or lower premium), if applicable.  At that time we will also provide you with detailed information on the new procedures put in place, including reports summarizing premium subsidy amounts.  
 
For clients currently not utilizing our COBRA Administration services,  please note that revised notices, forms and supporting documents will be supplied to you shortly.
 
As always, please contact us with any questions, concerns or requests for further information!