personal farmacy levitra omifin embarazo de gemelos fraternales metformin hcl 500 mg and alcohol picture of generic valtrex zocor medication dose order cialis 10mg tab how to order 100 mg of viagra cytotec buy no prescription minomycin side effects lantus solostar does united healthcare cover viagra desogen generic apri amikacin injections in cats toradol injection for back pain salazopyrin and pregnancy lipitor side effects muscle pain degeneration trimetabol syrup bottles buy cheap nolva clomid orderpharma reviews of 50 acheter colchicine apertium translator bing lowest price cialis 20mg brand in usa cheap pain pills without prescription world med direct viagra en guatemala clopidogrel bisulfate generic apotexclotrimazole natural viagra dublin how much trazodone to get high suprax dosage for children subutex withdrawal time period linezolid zyvox side effects is 5mg of propecia effective champix smoking side effects order abortion pill online mircette reviews 2012 norvasc side effects doctor best places to buy generic viagra 33 mesalamine suppositories in canada caverta 100 diarex pro series stone color enhancer sealer can you buy viagra in boots nebilet nebivolol side effects where to buy viagra in los angeles aricept side effects medications over the counter valtrex yasminelle tabletki is there such a thing as cialis generic advantage rent a car phone number tricor medication 48 mg diroton bgsu effexor withdrawal symptoms headache cupones de viagra cheap doxycycline online uk bisoprolol hydrochlorothiazide generic elocon cream 0.1 uses tamoxifen supplement cialis online pharmacy us iraplax orlistat 120mg review estrace side effects weight gain cheap zolpidem canada doxycap dosage for benadryl topiramate 25mg used for ed supplements at walmart use of prazosin for cats reputable viagra from india prostata inflamada causas tretinoin cream usp 0.05 pheromones definition phexin capsule ulaval clozaril national registry cialis india metoprolol tartrate 25mg used for where to buy izoniazide echeck online pharmacys the purple pharmacy web site maxifort in english doxitab 100mg clomid synthroid side effects weight loss cialis buy eu januvia coupon free trial buy z pak in usa buy elavil online tiotropium bromide inhalation powder generic xanax overnight gabupenton delivery where to get amoxil online without rx pay for viagra with mastercard metronidazole and ketoconazole cialis usa online paypal combivent side effects dose new simvastatin warning how long does imiquimod side effects last baseball five tools amantadine for dogs cheap website to order periactin dirtop sildenafil 50 mg etep paulinia dicyclomine hydrochloride 20 mg nizoral cream uses ketoconazole cream viagra from mexico norvasc side effects depression cost of zyvox pills tabletten gegen hautpilz gesicht how to take viagra canada pharmacy cheap non prescription viagra canada vilches chilean ritalin la side effects avana cypress estates apartments houston tx mexitil dosage of aspirin what is silagra 100 norvasc 5 mg antibiotics for uti treatment cipro all day chemist canadian otc asthma inhalers from canada ordering viagra from cananda levitra from va pharmacy canadian pharmacy genuine cialis finasteride buy australia buy cheap pfizer zeldox order roboxin on line alli buy online reliable viagra online canada euthyrox 25 mg torsemide medication dose search product actosol products mobic 7.5 mg what is it skelaxin muscle relaxer medication warfarin side effects medications exelon careers jobs propecia 5mg order canadian pharmacy tamoxifene labbra gonfie canadian pharmacy viagra reviews medicine viagra for sale prilosec otc side effects omeprazole novolog coupon vial valium overdose treatment where can i buy colchicine online levitra vs viagra vs cialis efficacy ritalin side effects arthritis foundation of america direct rx pill isoptin side effects walmart flonase nasal spray coupon avalide 150 12.5 generic cheap cymbalta 60 mg review canadian pharmacy viagra cialis at kmart pharmacy zolpidem medication en espanol canadian viagra on line fda approved myambutol ethambutol drug walmart viagra price atomoxetine price how much trazodone will get you high costco stress test viasek 50mg tramadol tadalafil 20mg for sale apriso mesalamine generic lamictal and alcohol medication risperdal 0 dollars 42 cent acnelyse retinol night cheap viagra uk supplier viagra calgary fast shipping anastrozole for dogs want to buy prednisone buy cheap adderall stopping metformin for pcos effect cozaar blood pressure side effects ventolin syrup dose arimidex vs tamoxifen bodybuilding anxiety symptoms levemir cost at walmart order strattera online no prescription new prescription 25 gift card doxazosin 2mg furolin medicine shoppe iraplax 120mg amerimedrx discount school best generic cialis website sildenafil prezzo walmart prescription expense report generic viagra from us pharmacy aristocort cream uses viagra original local water pills berifen medicina naturales zoloft and anafranil for ocd zestoretic side effects lisinopril drug cheap erectile dysfunction pills cost of diovan from mexico pharmacy asthma attack symptoms children westhroid medication side effects zetia medication cost levitra lowest price clavamox dogs 62.5mg pheromones for men review beli cytotec di jakarta augmentin vs omnicef for sinus infection viagra se kya hota hai clomid tablets buy without prescription l thyroxine for sale what do cialis pills look like sildenafil preis buy dostinex best prices on sildenafil citrate levitra generico on line allopurinol medication side effects doxazosin 8 mg apotex digoxin and potassium toxicity buy viagra with amex lasix pharmacy takes paypal payment raymeds reviews for fifty benicar generic substitute what is azithromycin used for metronidazole paypal norlevo effectiveness how to take levitra for best results sumycin 500mg hydrocodone cialis super 20mg australia arcoxia erfaringer levofloxacin 750 mg tablet buy hczt delivered to house advotart no prescription cialis coupons for pharmacy plavix 75 mg generic xanax street price samonas realty portsmouth arcoxia tablets 60mg prescription dog medicine in mexico detrol generic walmart zetia coupons merck sildenafil citrate online uk viagra prescription drugs software programs for teachers cardizem drip max dose progreso mexico farmacies digoxin toxicity symptoms drug antibiotics overnight order suhagra online soviclor aciclovir creams piroxicam 20mg capsules buy generic viagra with paypal onlain tamashebi orshi piroxicam side effects in dogs terramicina oxitetraciclina polimixina elocon mometasone furoate cream 0.1 lovegra information managementlozol lotemax gel product information dalacin c 300 mg medication canada online pharmacy no prescription popular pills online buy priligy usa viagra 50mg pills amazon lotrisone cream medication uses obetrol tablet hotels donormyl doxylamine omifin side effects benazepril hydrochlorothiazide 20 25 mg finasteride receding hairline perlutex 5 mg tablets estrofem 2mg for men para que sirve la aspirina kamagra paiement en cash proviron tablets picture vardenafil 20mg dosage pharmacy in singaporeviagra nabp viagra canada accutane no prescrip caffeine pills walmart canadian pharmacy 24hours pilexil champu anticaida dianabol stacking medications without a script tadarise 40 reviews cialis generika auf rechnung cozaar medication side effects chlamydia treatment antibiotics injection salbutamol sulfate msds advantage rent a car discount code can you buy viagra over counter ireland tramadol withdrawal symptoms relief home remedies minoxidil for women 5 viagra for sale in canada casodex and lupron psa still rising abana himalaya drugs discrete viagra synthroid dosages buy doxycycline online confidential desogestrel pill walmart pricing on cialas mail order prescriptions usa buy valtrex no prescription percocet withdrawal symptoms last how long list legitimate online pharmacies otibact ear drops 15ml equals cardizem drip for atrial fibrillation prometh codeine for sale amikacin sulfate injection viagrawithout a prescription warfarin foods to avoid estradiol valerate pharmacy extenze side effects avoid gen viagra online salbutamol sulfate inhaler orabet tip/hr azulfidine sulfasalazine dosage precose contraindications of nitroglycerin lasik online pharmacy no script cialis once a day antibiotics for strep throat during pregnancy therapy dog training texas best price for cialis 5 mg 215 prescription drugs from india singulair medication for allergies zinoxime 750 gold puretone stethoscope companyweb hongkong viagra zopiclone 7.5mg side effects octreotide drip treatment in gastrointestinal bleed tegretol medication side effects feldene gel medication duloxetine cymbalta furosemide 500mg linezolid zyvox protonix side effects medications indomethacin street value aricept generic drug maxalt 10mg rizatriptan side effects dapoxetine price diprosone sans ordonnance prednisone order mastercard ativan withdrawal symptoms how to order zofran buccastem over the counter captopril 25mg tramadol pharmacy no prescription indinavir contraindications for tpa secnidazole 500mg dose of indocin for preterm labor clomid buy online co uk voltaren gel coupon novartis zantac coupons drugs seroquel for anxiety disorder order aldactone nolvadex austlalie misoprostol side effects doctor vigara master card payment cheap nazagara zestril generic names seroflo 500/50 cgv pharmacy increasing testosterone levels naturally in women pharmacy online atarax how to get metoclopramide alli orlistat deutsche is 2 yr old doxycycline safe to take cabaser tablets what used for where to purchase tretinoin famciclovir for shingles dosage glipizide and metformin/espanol sureway henderson ky phone number pil perancang cerazette terramycin for cats buy online lotrisone cream medication treatment water pills abilify maintena prescribing information espn radio viagra pyrocaps 20mg hydrocodone viagra generic non prescription zyban smoking weight loss fentanyl transdermal system 50 mcg/h letrozole infertility cycles buy neurotin online paypal cheap prescription medicine from india cheap wellbutrin ibuprofen 600mg tablets image clomid and twins 2005 lagatrim forte indications for tonsillectomy low cost celalise androgel testosterone coupons eulexin and pcos tinidazole for dogs norfloxacin antibiotic vasotec contraindications for flu diane keaton movies with michael douglas xenical vente libre albuterol inhalers for sale lanoxin dosage forms find trusted website to buy viagra priligy online prescription lotrel medication for high blood pressure synthroid and weight loss doctor accutane without prescription pills flovent inhaler side effects micardis hct manufacturer coupons lasix order online indomethacin 50 mg uses cozaar side effects medication ordering thyroxine uk imovane 7 5mg information society valtrex dosage for herpes labialis drug store cheaper for celebrex estradiol depot 10mg jenapharm anxiety attacks symptoms in children ditropan 5mg price fastest levitra home delivery proviron tablets for sale bystolic 10 mg side effects copd echeck online store novothyral italia advantage sales and marketing jet ph online pharmacy topamax medication uses duetact 30mg morphine proventil inhaler for sale cialis online 2 day shipping buy periactin appetite stimulant hydrea side effects hydroxyurea therapy rythmol canadian pharmacy pfizer viagra pharmacy zyrtec d ingredients how long anafranil withdrawal symptoms last ritalin vs adderall side effects generic viagra overnight cialis toronto combivent inhaler medication coupon aprovel irbesartan drugs zentel treatment albendazole non prescription canadian viagra online mexico pharmacy ultram mentat himalaya reviews cheap 5 mg cialis daily estrace cream coupon allegra printing spartanburg sc dapoxetine sildenafil sildenafil from china roaccuntane buy xenical online no prescription cheap viagra professional from india overnight delivery zanaflex cialis under the counter qsymia weight loss success stories ativan lorazepam ativan side effects buy lasix online uk astelin nose spray coupon aviane birth control and weight gain aurochem tadalafil buy perictian uk buy fucidin cream online black cockapoo puppies for sale in ohio where to buy phenamax what is ephadraxin tegretol bipolar treatment pramipexole 0.5mg side effects viagra per nachnahme sublingual nitroglycerin uses canadian pharcharmy online hydrocodone prescription aleve pm medication pilocarpine mechanism of action eye lincocin 500mg cialis store new york ovral l contraceptive free voltaren gel coupon imiquimod 5 cream over the counter ciprodex sterile otic suspension use starlix medication protonix side effects medication lanoxin drug study viagra express shipping in new jersey abilify 10 mg no prescription sublingual allergy drops for children us mail order pharmacy baclofen cleocin cream and breastfeedingclitorisclobex terbutaline preterm labor lawsuit vendita viagra originale line glucotrol xl dosage bausch and lomb lotemax coupon entocort side effects weight gain eprostol misoprostol for miscarriage epogen administration during dialysis betacin 25mg benadryl leponex tableta dejstvo aloe otc doxylamine succinate 25mg sleep aiddoxymycindrugstodaydrugstore acticin cream buy canadian pharmacy 150mg viagra sureway transportation company in tomball tx ativan vs xanax vs valium vs klonopin lynoral ethinyl estradiol and norgestimate betaprofen fc4008d 100mg water pills baclofen 10mg tablets get you high sildenafil para mujeres generic cialis 60 mg buy stendra 200 mg canadian cialis prices ordering viagra in china cialis super active free shipping buy albendazole canada curacne medicine therapy januvia 100 mg retail price genuine viagra without prescription
Share this page on facebook
Looking for clarity amid the health muddle PDF Print E-mail
News
Written by Mark Jaeger   
Wednesday, 06 April 2011 15:43
ATTORNEY GREGORY STORM (above) talked about the legal repercussions of the health-care reform act during a forum Tuesday at Milwaukee Area Technical College’s North Campus. About two dozen business representatives attended the forum, which also featured tax manager Joseph Schirger (right photo) of the accounting firm Schenck SC and benefits consultant Scott Fuller of Associated Financial Group.                                              Photos by Mark Jaeger

County economic forum shows questions dominate reform debate

The federal Health Care Reform Act marked its first anniversary last month, but clouds of confusion continue to circulate around the legislation as it is gradually implemented.

Representatives from about two dozen local employers attended a two-hour forum Tuesday on the impact of changes on the health care law. The gathering, held on the Mequon campus of Milwaukee Area Technical College, was sponsored by Ozaukee Economic Development.

While those attending had hoped for some insight into how to cope with the federal mandate to provide health insurance coverage to workers in a tight economy, even the panelists were prone to occasional shoulder shrugs.

Scott Fuller, senior benefits consultant with Associated Financial Group, prefaced his comments on the federal “play or pay” insurance mandate on larger employers with the assessment that the implementation remains “clear as mud.”

Fuller said the momentum for the reform movement came from a health-care system out of control.

“This is a huge challenge. The No. 1 issue was the failure to control health-care costs. It is a fundamental problem and the health care reform legislation did address the issue of the uninsured, which by some estimates is as many as 30 million people,” he said.

“However, the fact is a lot of us have not taken control of how we access health care as consumers.”

The phased-in approach to the reform measures has made it difficult for all parties to know how to respond to the evolving regulations.

“This is new for employers, new for your employees and even new for regulators,” Fuller said.

Even the penalty provisions that will be imposed on large employers who fail to provide health coverage need some rethinking, he said.

As the law now stands, employers who have at least 50 full-time employees must offer insurance or face a $2,000 per employee penalty.

Still, Fuller said, many employers are already running the numbers to determine if it is cheaper to pay the penalty than provide the insurance.

A voucher system could further complicate the process, resulting in employers paying employees to secure coverage through a health insurance exchange.

“This is just the beginning, not the end. The process is a journey and it is difficult to prepare for because everything is shifting,”  Fuller said. “Stay educated, stay informed.
Your employees will need you to guide them down this road.”

Attorney Gregory Storm of the law firm Reinhart Boerner Van Deuren also commented on the unpredictable status of the reform act.

Storm noted that the reform law is more than 1,000 pages long and includes 3,000 administrative directives.

“Still, there are a lot of open questions. Trying to come up with where the law was going last year would have been like trying to predict this year’s (NCAA) Final Four. Now
that the law has been adopted, it is more like trying to predict the weather. It requires some educated guessing,” he said.

Continuing insurance coverages can be protected from the tightened provisions of the law under a “grandfather” clause, but eventually that shelter will disappear, he said.

The law dictates that new insurance coverages will have no lifetime limits on “essential benefits,” must be extended to children of employees up to age 26 and eliminates most
exclusions for pre-existing conditions.

Storm admitted the legislation generates strong political sentiments.

“You hear a lot of Republicans say they are going to repeal health-care reform, but if that occurs, what do you replace it with?” he asked.

Ultimately, he said the U.S. Supreme Court is likely to intervene because of lawsuits filed by several states.

“We are likely to see modifications in the legislation rather than full overhaul,” Storm said. “Our advice to employers is ensure compliance with all mandates to avoid the onerous penalties, consider the cost implications in designing a plan and stay tuned.”

Joseph Schirger, tax manager for the accounting firm Schenck SC, said the reform law has already undergone substantial tweaking.

For example, Schirger said, the original law would have required 1099 forms to be sent to anyone who provided $600 or more in services to a company to determine what level of insurance the firm would have to offer its employees.

“That would have resulted in millions of additional 1099 forms being prepared,” he said. The provision was stricken from the law last year.

Still, Schirger said several other surprises for employers lurk in the law, starting in 2013. They include a .9% Medicare tax on wages and self-employment income and a 3.8%
tax on net investment income.

Individuals would also face penalties for not carrying health insurance, starting in 2014. The penalties would range from $95 to $695.

Like the other speakers, Schirger said employers can’t take the risk of ignoring the law.

“It may end up getting repealed, but it is the law right now and we are advising clients to comply,” he said.

Comments (0)Add Comment

Write comment
You must be logged in to post a comment. Please register if you do not have an account yet.

busy
 
advertisement
Banner
Banner