The seminar will compare and contrast not only FSAs (flexible spending accounts), but two plans that are less than two years old, i.e. HRAs (health reimbursement accounts) and HSAs (health savings accounts). The seminar will concentrate on WHICH plans to use, WHEN you would use them and WHY we would use one plan and not the other.
- Direction of healthcare
- IRS and DOL guidance on HSAs
- FSAs, HRAs and HSAs: designing a consumer-directed health plan to match employer goals
- Consumer-driven health care
- The attendee will be able to discuss IRS and DOL guidance on HSAs.
- The attendee will be able to identify what plan designs can be used.
- The attendee will be able to review where FSAs fit into the plan design.
8:30 a.m. - 10:10 a.m.
I. Direction Of Healthcare
A. Issues With Healthcare Today
B. What Are The Roots Of The Problem?
C. What Is The Difference Between ‘Defined Benefit' And ‘Defined Contribution'?
D. Decision-Making Tools For Consumers
E. Future Of Healthcare
F. Consumer-Driven Health Plans
10:10 a.m. - 10:20 a.m.
10:20 a.m. - 12:00 p.m.
II. IRS And DOL Guidance On HSAs
A. Requirements For A High Deductible Health Plan
1. Embedded Deductibles
2. What Is Preventive And What Is Not?
3. Whence The Prescription Drug Card?
B. Who Can Contribute And Who Cannot?
C. Distribution Rules
D. ERISA Requirements
E. Interface Issues With Other Federal Requirements
3. Medicare Secondary Payor
12:00 p.m. - 1:00 p.m.
Lunch (On Your Own)
1:00 p.m. - 2:40 p.m.
III. FSAs, HRAs And HSAs: Designing A Consumer-Directed Health Plan To
Match Employer Goals
A. A Historical Perspective On Health Care Delivery
B. Why Consider An HSA?
C. Why Many Employers May Still Prefer HRAs
D. Where Do FSAs Fit Into The Plan Design?
2:40 p.m. - 2:50 p.m.
2:50 p.m. - 4:30 p.m.
IV. Consumer-Driven Health Care
A. What Is Consumerism?
B. Where Are We In Time?
C. What Are The Tools Available?
D. Who Can Access The Tools?
E. When Should We Use The Tools?
F. What Cool Plan Designs Can We Use?