Tag Archives: self-insured

Deadline looming close for Individual Health Insurance Plans

 Health Insurance Policy

Just a reminder that the last day to purchase individual health insurance in 2016 is January 31! After that you are subject to fines/penalties.

Can you require medical exams to participate?

From the National Law Review:

“Flambeau Wellness Program Testing Falls Within ADA Safe Harbor

On December 30, 2015, a federal judge in the Western District of Wisconsin ruled in favor of Flambeau, Inc. (Flambeau) and against the Equal Employment Opportunity Commission (EEOC) in holding that Flambeau’s medical exams as part of its wellness program and self-insured medical plan did not violate the Americans with Disabilities Act (ADA).”

This company required employees to take a health risk assessment and a biometric test (routine exam, height/weight, blood pressure, and bloodwork) if the employees wanted to participate in the companies medical plan.  All data was aggregated (except the smoker status) so that the employer was not aware of any one persons issues.  The information was used for setting costs and plan design in their self-insured plan.

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Reeve Conover is a Registered Representative. Securities offered through Cambridge Investment Research, Inc., a Broker/dealer member FINRA/SPIC. Cambridge and Conover Consulting are not affiliated. Licensed in SC, NC, NY, CT, NJ, and CA.
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