Pioneers in 5 Star Service • Ronstadt Insurance • Tucson, AZ • 520-721-4848

Obamacare Open Enrollment Starts Today

Would you like to take a look at the 2018 Individual and Family health plans in Arizona?

Click here to get a quote. 


Remeber, the 2018 Open Enrollment period for 2018 ends December 15th.

If you have any questions, give us a call at (520) 721-4848.


Blue Cross Blue Shield of Arizona Medicare Members *ALERT*



Loss of low-income subsidy (LIS) letters were mailed to members who no longer qualify for extra help with their Medicare prescription drug costs effective January 1, 2018. The letter included members’ new premium and cost-sharing amounts that went into effect January 1, 2018. Members who no longer have the subsidy can switch plans as part of a special enrollment period (SEP) or stay with the same plan. The letters were sent to 214 Blue MedicareRx members. A sample letter is available here.


Members who owe a late enrollment penalty (LEP) were sent letters in early December. The letter included information on the change to the member’s penalty amount, based on the change to the national base beneficiary premium.

The base beneficiary premium for 2018 is $35.02. The LEP penalty is 1 percent of this premium multiplied by the number of months the member was eligible to join a Part D plan but did not.

Approximately 699 members of Blue MedicareRx received the letter. A sample letter is available here.

If you receive questions from members about the penalty, inform them that the penalty is determined by the Centers for Medicare & Medicaid Services (CMS) and not by the plan. If you feel the member may qualify for extra help paying their premium, ask them to call Customer Service, Medicare or Social Security. The Customer Service number is on the back of member ID cards. Medicare and Social Security phone numbers are in the member’s Evidence of Coverage.


IRS Issues New Guidance on Qualified Small Employer HRAs

On Oct. 31, 2017, the Internal Revenue Service (IRS) issued Notice 2017-67 to provide comprehensive guidance on a variety of topics regarding qualified small employer health reimbursement arrangements (QSEHRAs). Small employers that do not maintain group health plans may establish QSEHRAs for their employees, effective for plan years beginning on or after Jan. 1, 2017. Unlike other health accounts, QSEHRAs can be used to reimburse employees for their health insurance premiums.

Notice 2017-67 clarifies the technical rules for QSEHRAs, including the requirements that employees provide proof of minimum essential coverage (MEC) and that employers provide a written notice to eligible employees each year.

Small employers with QSEHRAs should confirm that their QSEHRAs comply with this new guidance. Notice 2017-62 applies to plan years beginning on or after Nov. 20, 2017. In addition, employers may need to provide their initial written notice by Feb. 19, 2018. If you would like more information on QSEHRSs, give us a call at (520) 721-4848.


President Trump Signs Executive Order


Earlier today, President Trump signed an executive order in an attempt to improve access, increase choices and lower costs for healthcare.

What Is in the EO?
The EO directs the Secretary of Labor to consider proposing regulations or revising guidance to expand Association Health Plans. The intent of this directive is to allow employers in the same line of business anywhere in the country to join together to offer healthcare coverage to their employees. It could potentially allow employers to form AHPs through existing organizations, or create new ones for the express purpose of offering group insurance. This could lead to the sale of insurance across state lines through AHPs; however, more action will need to be taken by the Department of Labor before this option can be available, and NAHU has urged the Administration to work closely with state insurance commissioners across the country to ensure that the rules that are enacted to allow such plans are able to address concerns by state policymakers regarding AHPs crossing into the markets within their borders. (more…)


We’ve been nominated for a 2017 Copper Cactus Award !

Nominated for – Best Place to Work