ICHRA Growth Accelerates: What Indiana Employers Should Know for 2026 and Beyond
ICHRA adoption is no longer a niche strategy. New national data show employers of every size — including a growing number here in Indiana — are using Individual Coverage Health Reimbursement Arrangements to control costs and give employees more say in their coverage. Here’s what the latest research means for your Indiana Group Health Insurance […]
Level Funding: A Smarter Path to Predictable Health Benefits for Indiana Small Businesses
Health insurance renewals keep getting harder for small and midsize Indiana employers to swallow. Premiums climb, plan choices feel limited, and many business owners assume that a fully insured plan is their only realistic option. Level funding offers a different path — one that blends the predictability employers want with the potential savings usually reserved […]
Navigating The Death of an Employee
Managing grief in any setting is a profoundly personal experience that doesn’t follow a set timeline or pattern. As an owner/HR/manager, supporting your team through a loss can be challenging but crucial for maintaining a healthy and compassionate work environment. Here’s a comprehensive guide on what to expect and how to navigate the grieving process […]
Filing Medical Insurance Claims
The medical claims submission processed has changed over the years with technology but the steps to ensure your claim is processed accurately and promptly have not. Here’s a guide on how to fill medical insurance claims: Understand Your Policy: Familiarize yourself with your health insurance policy to understand what is covered, exclusions, and any copayments, […]
Nefouse & Associates Scope of Services
As a benefit consultant we advise businesses on designing, implementing, and managing employee benefits packages. These benefits can include health, dental, vision, life, disability insurance, and other perks that contribute to employees’ overall compensation and well-being. 1.) Needs Analysis: Assessment: Understanding the unique needs and demographics of the client’s workforce. 2.) Plan Design: Customization: Designing […]
2023 Indiana General Assembly- Health Insurance Impacts
The 2023 Indiana General Assembly has wrapped up its Legislative session, and we will have new laws that impact Indiana’s fully insured health insurance. HEA 1004- Healthcare Matters This bill addresses Indiana skyrocketing healthcare costs. The original version required non-profit hospitals to report healthcare charges and would fine any costs exceeding 260% of what Medicare […]
Healthcare Matters House Bill No 1004
Rep. Donna Schaibley introduced House Bill No. 1004 Beginning in 2025, nonprofit hospitals must submit, on average, how much they charge for each healthcare service they provide. Should a nonprofit hospital charge more than 260% of the Medicare reimbursement rate, it could be assessed a penalty. The penalty paid would be applied to fund the […]
Indiana Medicaid Redetermination Process
The Families First Coronavirus Act (FFCRA) mandated continuous Medicaid enrollment through the federal COVID-19 public health emergency. The continuous enrollment suspended the redetermination process by prohibiting any cancelation of coverage. Now that the public health emergency has been lifted, all Medicaid recipients must complete a redetermination to determine if they remain eligible. On the national level, […]
Employee Assistance Programs (EAP)
The month of May was mental health awareness, and there was an increase in interest in Employee Assistance Programs, not just in Indiana but the entire nation. What is an Employee Assistance Program (EAP)? An employee benefits program is a benefit a company will provide to their employees to help address personal and work-related issues […]
Do Different States Mean Different Costs?
Youth sports play a massive role in many parents’ lives. We are constantly shuffling kids from practice, private coaching, games, training, and tryouts. We all hope our children will not need medical attention, but there is a high probability you will find it throughout a youth sports career. This is the story of my kids […]