Jun 11, 2013Vol. 3
Issue No. 6
Harbour Health Insurance Solutions
June 2013 Newsletter
Good Morning!
We've put together some of the most recent important news in the insurance industry.
Please give us a call or send us an email if you have any questions or concerns about the information enclosed in this newsletter.   We look forward to being an advocate for you in the insurance world.   Have a happy and healthy day!


How are we doing?
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What Does That Mean?
Helpful Terms and Insurance Lingo
Waiting Period: The time that must pass before coverage can become effective for an employee or dependent, who is otherwise eligible for coverage under a job-based health plan.
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In This Issue:
The Individual Requirement to Buy Coverage Under the ACA

Individual Mandate FlowchartAlong with changes to the health insurance system that guarantee access to coverage to everyone regardless of pre-existing health conditions, the Affordable Care Act (ACA) includes a requirement that many people be insured or pay a penalty.  

 

This simple flowchart illustrates how that requirement (sometimes known as an "individual mandate") works. 

Employer Requirement:
Notification of Exchanges
Employers must provide a notice to current and newly-hired employees regarding the health insurance exchanges. The effective date had been delayed as the regulators worked through the issues, but the DOL recently released guidance that establishes October 1, 2013 as the date employers must comply with these requirements. This guidance addresses which employees are entitled to the notice, the form and content of the notice itself (including a model), and timing and delivery requirements. Click here for details.
Employer Requirement:
Summary of Benefits & Coverage (SBC)

Under ACA, insurance carriers or plan sponsors must provide a Summary of Benefits and Coverage (SBC) to all eligible individuals prior to enrollment. On April 23, 2013, the federal government issued a revised model SBC and corresponding guidance that applies to 2014 coverage, which is the second year this requirement applies. Click here for details.
H-Logo
What's Happening at Harbour Health:
Karen and Grant
Yesterday, Monday June 10th, our owners Karen & Grant Cully celebrated their 35th wedding anniversary!

Congratulations to Karen & Grant and best wishes for many more wonderful years together.

Grant Cully on WHHI-TV's Talk of the Town
Employer Coverage Requirements

Monthly Wellness Tip
Sun Protection Tips for Healthy Skin
Truth about tanning and sunscreen
More than 1 million new cases of skin cancer are diagnosed each year in the United States and over 10,000 people will die from the disease each year. This number hits even closer to home when you consider that almost one in five Americans is expected to develop some type of skin cancer in his or her lifetime, according to the American Academy of Dermatology (AAD).

Read the full story here.

Recipes of the Month  

10 Cooling Recipes for Summer Recipes
10 Cooling Recipes for Summer

Beat the summer heat naturally by eating foods that can cool you down from the inside out.   

 

You don't have to stock up on Popsicles to make it through the dog days of summer (although we have a Popsicle recipe roundup that will please you!). There are other foods out there that can bring your body temperature down to a livable level.  

 

Here are 10 recipes to eat to beat the summer heat:

1) Basil Mint Pesto  

2) Coconut & Lime Corn On the Cob  

3) Chilled Cucumber Mint Soup  

4) Summer Ceviche  

5) Healthy Ice Cream Sandwiches  

6) BLT Summer Rolls  

7) Strawberry Mango Salsa  

8) Vanilla Lemongrass Coconut Ice Cream 

9) Avocado Wasabi Salad   

10) Watermelon Feta Orzo Salad   

 

Read the full article here
If you have any questions, concerns, comments, or would like any additional information please feel free to contact any member of Harbour Health Insurance Solutions.
Thank you!

C. Grant Cully

GCully@hhisolutions.com 

John Rhodes

JRhodes@hhisolutions.com 

Karen Cully

KCully@hhisolutions.com 

Andrew Hazel

AHazel@hhisolutions.com 

Janet Cully

JCully@hhisolutions.com 

Gibbes McDowell

GMcDowell@hhisolutions.com 

Harbour Health Insurance Solutions is a proud member of both  

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BeaufortChamber 

Are you a Chamber member?
Call us to take advantage of special group and individual  
insurance options exclusively for Chamber members!
We want your feedback!
Good or Bad, Complaint or Compliment, please let us know what you think we are doing right and if you think we can improve on anything.

 We strive to ensure that you are pleased with our work and we truly appreciate any remarks that will help both improve our operations and promote our best qualities.  
 
CLICK HERE to let us know your opinion about Harbour Health

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