jlowe

About Jay Lowe

Principal, Health & Welfare Consultant - Jay leverages our resources and provides expert consultation in the area of benefit plan design and development for clients in the 25-50 employee market segment. Jay’s energetic and positive outlook makes him a great add to the HCW team.
30 03, 2017

Will Direct Primary Care Start Trending with Employers?

By |March 30th, 2017|Employee Benefits|Comments Off on Will Direct Primary Care Start Trending with Employers?

3-30-2017 3-00-37 PMFor many people, establishing a relationship with a primary care physician (PCP) is an important part of managing their overall health.  The PCP has first-hand knowledge of their patients’ medical history and work to coordinate care as [...]

29 11, 2016

Two Considerations For The Marketplace Open Enrollment Period

By |November 29th, 2016|Employee Benefits|Comments Off on Two Considerations For The Marketplace Open Enrollment Period

open enrollmentThe Affordable Care Act provides the ability for individuals to buy coverage regardless of any underlying medical condition.  This guaranteed issue provision has provided millions of Americans the access to health care that was not there before.  Many [...]

6 09, 2016

A Look At Trends In Health Care Costs

By |September 6th, 2016|Employee Benefits|Comments Off on A Look At Trends In Health Care Costs

A Look At Trends In Health Care CostsWe have all seen the effects of rising health care costs on medical insurance plans.  The days where low copays, deductibles and out-of-pocket maximums were common in most plans, now seem to [...]

27 06, 2016

Marketplace Premiums Will Continue To Trend Upward In 2017

By |June 27th, 2016|Employee Benefits|Comments Off on Marketplace Premiums Will Continue To Trend Upward In 2017

Marketplace Premiums Will Continue To Trend Upward In 2017Now is the time when insurance carriers will begin determining premium pricing for their individual plans and filing for approval with state departments of insurance.  Undoubtedly, their goal will be to offer [...]

4 05, 2016

What Employers Should Know About Section 1411 Certifications

By |May 4th, 2016|Healthcare Reform|Comments Off on What Employers Should Know About Section 1411 Certifications

what employers should knowThe Employer Mandate is perhaps one of the most nerve-wracking parts of the Affordable Care Act (ACA) for large employers: those employing more than 50 full-time equivalent employees, or FTEs. (What’s an FTE? Find out [...]

21 01, 2016

3 Considerations When Seeking Care At Retail Clinics

By |January 21st, 2016|Employee Benefits|Comments Off on 3 Considerations When Seeking Care At Retail Clinics

retailIt seems now that in-store medical clinics, also referred to as retail clinics, are popping up all over the place. Drug stores, grocery stores and big box retailers like Target and Walmart continue to add this service to their facilities. [...]

24 11, 2015

Plans Without Out-Of-Network Coverage Trending

By |November 24th, 2015|Employee Benefits|Comments Off on Plans Without Out-Of-Network Coverage Trending

As insurance premiums continue to rise, the market is responding with new plan designs that meet consumers’ needs while staying competitive with pricing. With these new plans there is an increasing trend of options that do not include out-of-network [...]

14 09, 2015

Study Shows Possible Negative Effects of Special Enrollment Periods

By |September 14th, 2015|Healthcare Reform|Comments Off on Study Shows Possible Negative Effects of Special Enrollment Periods

Recent data from the Centers for Medicare and Medicaid Services show that enrollment in Marketplace plans during Special Enrollment Periods (SEP) continues to increase. Between February 23 and June 30, 2015, CMS reports that close to 950,000 people [...]

27 07, 2015

Is Limiting Patients’ Out-of-Pocket Drug Spend A Good Move?

By |July 27th, 2015|Employee Benefits|Comments Off on Is Limiting Patients’ Out-of-Pocket Drug Spend A Good Move?

ThinkstockPhotos-469567841When choosing a medical plan, many employers try to offer the best benefits at the lowest cost. They want to be competitive in the marketplace with recruiting and retaining employees and look for medical plans that offer low copays [...]

29 05, 2015

3 Reasons Employers Are Considering Self-Funded Plans

By |May 29th, 2015|Employee Benefits|Comments Off on 3 Reasons Employers Are Considering Self-Funded Plans

Small groups, defined as having fewer than 50 full time equivalent employees, are beginning to lose their Transition Relief and are now being forced into the new Community Rating methodology under the ACA.  In many cases, this is having [...]

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