Wednesday, 28 August 2013

Kinetic Resources Corp. Announces Executive Changes

Kinetic Resources Corp. appointed Lorainne Fusco to board of directors and to serve as President, Chief Executive Officer, Chief Financial Officer, Secretary, and Treasurer. Following this appointment, the board accepted the resignation of Luis Antonio Delgado Gonzalez as former sole officer and director. Ms. Fusco has an Honours Bachelor of Science from the University of Toronto and has worked in the life insurance industry since 2003.


Westhill Consulting – Tips for navigating Obamacare

Tips for navigating Obamacare

Think hard before your drop insurance entirely

Tambe said that might not make good business sense despite some companies might be tempted to abolish insurance benefits completely and let employees go to marketplaces to get coverage.

The problem is insurance purchased on the marketplace will be more expensive for individuals.  Then the company will risk talent leaving the company for a competitor who offers them the less expensive option if the company isn’t willing to compensate by raising their salary.

“It may work to keep costs down but you’ll have a hard time keeping talented folks,” he said.

Other federal programs could help you

For households making under 400 percent of the Federal Poverty Level, the ACA grants subsidies available on the public marketplace under certain circumstances.

Additionally there are current efforts for Ohio to spread out the Medicaid program to households making less than 138 percent of the poverty level.  This in turn if acted out would make more people eligible for those programs.

Not all individuals will qualify for subsidy even though most Americans will be eligible to obtain coverage through the exchange.  Employer-sponsored coverage may affect an employee’s ability to meet the criteria for the subsidy.

If there are many employees qualify for federal assistance, it will be reasonable to let them use those plans, particularly since employees being offered insurance by an employer aren’t allowed onto the marketplace if their employer is offering insurance deemed affordable, or 9.5 percent of their wage rate based on 130 hours per month for single coverage.

“A lot of folks qualify for these things, and there’s no penalty to employers,” Tambe said.

Know the paperwork

There are a number of new requirements employers need to be aware of in order to remain in compliance under the ACA. For instance, all employers are required to provide notices to new hires and current employees about the health insurance exchanges before Oct. 1.

Tambe said the fines for failure to comply can be steep. For example, if an employer fails to provide employees with an SBC, the potential penalty to the employer is $1,000 per employee per day.  There are also requirements that employers provide Summaries of Benefit and Coverage (SBC) to each employee 30 days prior to their renewal and 60 days in advance of any material changes to their plan outside of their renewal.

Avoid community ratings

Effective at renewal in 2014, one of the more substantial changes for employers with less than 50 employees is the new rating structure, Community Rating.  Community rating will need health insurance companies to give out health insurance policies to all people in an area, at the same price and without medical underwriting, in spite of of their health status.

Under this new structure, most groups will see a substantial increase in rates by as much as 30 percent to 50 percent, he said.  A strategy that Tambe is implementing for some of his clients is to renew their current group plan Dec. 1, 2013, which will allow them to maintain their current rating structure rather than immediately moving to community rates.

Consider how you want to grow long-term

Industries, if not all, some, like food service industries, retail, and those with large unskilled workforces have traditionally employed large numbers of part-time employees.  These industries may have to adjust workforce toward larger numbers of part time workers in order to avoid the requirement of providing insurance to full time workers, Mullins said.

“Maybe you’ll have to consider hiring a few extra part-timers to get your people under 30 hours,” he said.

Tambe also said the rules are different for companies with under 50 employees compared with those employing more than 50, which should also factor into business growth plans.

Controlled groups beware

A controlled group must provide the same benefits to all of the employees in all of the companies.  This companies are defined by the Internal Revenue Service as multiple corporations connected to a single parent corporation through stock ownership.

Failure to do so could be considered discrimination, and land those companies an IRS audit, Tambe said.

Take a look at self insurance

More companies, particularly smaller companies, have been looking into self insurance, and some providers are now offering self-insured options for as few as 15 lives, Tambe said.

Here is how it goes, in a self-insured product, the employer pays all employees’ minor health costs out of pocket, and buys coverage only for major expenses only, “major” expenses defined in the range of more than $50,000 for an individual, or more than $500,000 for the whole company, although there’s a wide range of policies companies can buy.

Tambe said it can be a risk, but if employees are generally healthy, chances are companies will save money.

Build a team of experts

Ultimately, Tambe said there is no single strategy for navigating the ACA. It will affect companies differently depending on their industry, size, and workforces.

Tambe said it’s important for employers work with a knowledgeable and trusted advisor to come up with a long-term plan for their companies.

For that reason, he said professional employer organizations, or PEOs, have been a popular option for employers to outsource the responsibility for ACA compliance, as have using temps.

“For any one employer trying to do this, it’s going to be a whole lot of work for HR,” Tambe said.


Friday, 16 August 2013

Westhill Consulting – Car Insurance Tips to Help You Buy Smarter

Car Insurance Tips to Help You Buy Smarter

It doesn’t have to be intimidating; buying auto insurance doesn’t have to be stressful.  There are many options to customize your policy needs base on your budget.  If you are knowledgeable with some basic information you can make smarter insurance decisions.  These car insurance tips can help you trim down choices and save time and money.

  • ·         Make sure you’re legally covered

From state to state, requirements of car insurance vary but one thing is the same virtually everywhere in the U.S. and it is if you drive a car, you’re required to have some form of car insurance or proof of financial responsibility.  There are more than few factors such as your driving record and insurance history, may affect your policy rates.  You may begin here to find the minimum requirements for your state.
  • ·         Understand your insurance options

Car insurance can sometimes be a bit confusing sometimes; it can be complicated to look at because of many choices available to protect you and your car.  For you to understand basics, there are nationwide offers such as the following the difference between collision and comprehensive, before you call an agent or get a quote online.
·         Get at least three quotes
It will help if you get quotes from at least three insurance companies you compare price and service options.  It is necessary that you request the same coverage from each to get an apples-to-apples comparison.  Rates may differ from one company to another.  Remember that not because it is the lowest it is the best because the lowest priced insurance may not give you all the coverage you need.  Check for every detail,  look  at price, amount of coverage, benefits and claims services before you make your decision.
  • ·         Take advantage of discounts

This may surprise you, a number of discounts available to lower you for auto insurance rates.  An example is if you insure multiple vehicles with Nationwide or stay with us for at least five years, you may receive substantial savings.  You have to ask about these and other auto insurance discounts when you shop for a policy.
·         Look for extra help when you need it
Nationwide tenders extra products and services for purchase to give the drivers in your family even additional protection.

Ø  Accident Forgiveness –With this optional coverage, Nationwide will not raise your auto insurance rates following your first at-fault automobile accident.
Ø  Roadside Assistance – Nationwide Roadside Assistance coverage is available in two different levels, Basic and Plus, so you can choose the one that works best with your budget. Get covered for fuel delivery, lockout service, jump-starts and more.
Ø  Loss of use – If you can’t drive your car due to a covered loss, this coverage helps pay for a rental car or other transportation expenses so you can get back on the road.


Sunday, 11 August 2013

Westhill Consulting Healthcare - Terms and Conditions

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Permission is granted to temporarily download one copy of the materials (information or software) on Westhill Healthcare Consulting's web site for personal, non-commercial transitory viewing only. This is the grant of a license, not a transfer of title, and under this license you may not:

This license shall automatically terminate if you violate any of these restrictions and may be terminated by Westhill Healthcare Consulting at any time. Upon terminating your viewing of these materials or upon the termination of this license, you must destroy any downloaded materials in your possession whether in electronic or printed format.


Westhill Healthcare Consulting has not reviewed all of the sites linked to its Internet web site and is not responsible for the contents of any such linked site. The inclusion of any link does not imply endorsement by Westhill Healthcare Consulting of the site. Use of any such linked web site is at the user's own risk.

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Saturday, 10 August 2013

FourSquare TIP - Westhill Consulting : Healthcare & Insurance - Individuals, families and the self employed Health Insurance

Spiritual Center in Jakarta, Jakarta

It is hard to find a health insurance in the current situation of our marketplace. It seems impossible to get one of those as per this individual health insurance can offer you a confusing array of options more especially if you're one of the millions of Americans who buys their own health coverage. This health coverage are sometimes good but not always and worse few are expensive.
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Sunday, 4 August 2013

Westhill Consulting Insurance - San Francisco, CA - Yelp Page

Jl Jendral Sudirman Kav 3-4

San FranciscoCA 10220(221) 573-5843

I understand that insurance is a major buget consideration for any person, family or business, and our mission is to serve the needs of the residents of Denham Springs, Walker, Livingston, Central and Baton Rouge area as well as other areas of the state of Louisiana by offering Auto Insurance, Home Insurance, Life Insurance, Business Insurance, & Health Insurance at competitive prices with exceptional customer service.

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Thursday, 1 August 2013

Westhill Consulting Insurance - Important Tips From a Health Insurance

Never take medical health insurance advice from someone that is absolutely unqualified to give you with these tips!!
Don’t take medical health insurance advice from someone unqualified to provide these tips. Seek any adverse health insurance specialist, they’ve analyzed and therefore are licensed to provide these tips and they are liberated to you. Rely On Them!!
All of us have our own opinion of what health plan we want.  And not because someone is your relative, someone you know or someone he knows are associated with some section of healthcare totally not connected to insurance, does not necessarily mean they are completely knowledgeable of the solutions for your individual needs and questions.  And even before problems show up, insurance specialists are always readily available.  Most insurance specialists get compensated through insurance service providers, so their professional services can you. Rely On Them!!
Determine your actual needs.
Consider your actual needs. Request yourself questions so guess what happens your particular health plan needs are, that method for you to make certain you choose an agenda that fits them. In the end, if you do not understand what you really need inside a plan, how would you determine if you’ve encounter the best fit?
Consider your budget, designs of physician and hospital visits, and prescription medication usage when identifying your requirements.  Reflect on these questions: How often would you go to your physician? Do you opt for examinations only or do you opt for sick visits? The number of occasions are you currently within the hospital previously 24 months? Would you take regular medications? What exactly are they? Generic or Brands? This really is another area where the majority of my clients neglect.
In the majority of those areas in roughly any affordable way, it is not easy to have maximum coverage because maximum coverage for that physician and hospital plus medications leaves a dent or dimple within the budget.  Though, almost every medical health insurance plans offer several version of the identical plan.
Resist the need to in excess of-insure!!
Resist the need to in excess of-insure! Healthcare Reform has transformed the number of plans work and you’ll have the ability to receive ample or superlative coverage without over-covering. And more importantly, with no hefty rates!
Some thinks that if the have maximum coverage for doctors, hospitals, and medications; they have “good” insurance.  But in reality it is simple, many people who definitely are approved for individual medical health insurance will not need all of this coverage.  What you need to understand is: Healthcare Reform and prevent-Loss. First, Healthcare Reform enables for maintenance services to become covered at 100%. For instance, should you only get examinations, why sign up for the program with 100% doctor’s visit coverage? Sign up for the program having a lower premium and pays $10 copay for the sick visit.
Then, choose your plan after following the above tips.
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