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Posted March 15th, 2018 in Producers, Employers

As a benefits professional, you know that navigating the benefits industry can sometimes be a tricky endeavor. Let’s face it; employee benefits can be confusing—even for those of us who deal with this stuff for a living. Whether you’re a Human Resource Manager, an insurance agent or benefits consultant, people are counting on you to have all the answers. Flex is here to make sure you get them.

Posted March 13th, 2018 in Producers, Employers, Individuals
The Idaho Test – Last Thursday, the Centers for Medicare and Medicaid Services (CMS) shot down the state of Idaho’s plan to allow for the sale of health insurance plans which don’t comply with the Affordable Care Act (ACA). Idaho officials wanted less expensive plans to be available for purchase in their state, but these plans could use medical underwriting and wouldn’t have to cover all ten of the essential health benefits.
Posted March 8th, 2018 in Producers, Employers
The Employee Retirement Income Security Act of 1974 (ERISA) requires most employers who offer health and welfare benefits to maintain and distribute Summary Plan Descriptions (SPDs) to all plan participants. This SPD must include certain disclosures and information, such as when the employer may amend or terminate the plan(s).
Posted March 6th, 2018 in Producers, Employers, Individuals
In 2012, a lawsuit challenging the constitutionality of the Affordable Care Act (ACA) found its way all the up to the U.S. Supreme Court. At the time, an argument was made that the Individual Mandate was not constitutional. The Individual Mandate requires most Americans to have health insurance or pay a penalty, and this provision has been considered the main crutch that has kept the ACA standing. 
Posted March 1st, 2018 in Producers, Employers, Individuals
Flexible Benefit Service Corporation (Flex) is proud to announce that we are celebrating our 30th Anniversary in 2018. From our humble beginnings in 1988 to the experienced, scalable business we are today, Flex has always been willing to evolve with the needs of our clients and business partners throughout the US. 
We are also excited to introduce our new company tagline – Leading the way
Posted February 27th, 2018 in Producers, Employers, Individuals
In October 2017, President Donald Trump issued an executive order instructing the Department of Health and Human Services (HHS), Department of Labor (DOL) and Department of Treasury (DOT) – collectively known as the “tri-agencies” – to consider proposing rules that would expand short-term, limited duration insurance, also known as short-term medical plans (STM plans). 
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