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Jill on Money: Shopping around for health insurance can bring big savings

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Health care inflation has outpaced the overall rate of price increases over the past 20 years. While costs have slowed, they are still projected to rise by 4.2 percent annually over the coming 20 years for retirees, according to research from HealthView Services. Please feel free to sigh, complain or yell right now. Reported by Newsday 12 hours ago.

United States: Client Alert: Employers Required To File Mandatory HIRD Form By November 30, 2018 - Bowditch & Dewey

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On or before November 30, 2018, every Massachusetts employer that had six or more employees in any month during the past year must file a "Health Insurance Responsibility Disclosure" (HIRD) form. Reported by Mondaq 19 hours ago.

United States: Proposed Regulations Would Permit Employers To Reimburse An Employee's Premium Costs For A Health Insurance Policy Purchased In The Individual Market - Foley & Lardner

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Takeaway Message: Except in limited circumstances, current regulatory guidance prohibits an employer from maintaining a health reimbursement arrangement Reported by Mondaq 18 hours ago.

Poor value sees younger people dropping private health insurance

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Younger people are staying away from private health insurance in droves, putting pressure on the health system. Reported by Brisbane Times 5 hours ago.

Trump Proposes a New Way Around Birth Control Mandate: Religious Exemptions and Title X

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Women who are unable to obtain health insurance coverage for contraceptives through their employers could seek assistance at family planning clinics, the administration says. Reported by NYTimes.com 4 hours ago.

Trump administration makes it easier for employers to dodge birth-control mandate

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Women who are unable to obtain health insurance coverage for contraceptives through their employers could seek assistance at family planning clinics, the administration says.) Reported by Seattle Times 21 hours ago.

Texas Realtor Clair Cannon Reaches Out to Women Who Want to be Independent

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Dallas Realtor Clair Cannon, of Cannon Texas Properties Team at Vivo Realty, forms support group to assist women with their real estate needs in the Dallas/Fort Worth area, while teaching them to maintain their own properties.

DALLAS (PRWEB) November 19, 2018

Cannon, who recently spoke on a national panel with Realtor.com, formed the outreach group specifically with women who are interested in taking charge of their own destinies in mind. It is geared for women who want to own and maintain homes of their own. Monthly topics will include fiscal and physical components of home ownership and management of one’s property.

Life is hard, and so are goals and dreams. Sometimes the disposal is not cooperating, or the shower drain is clogged. Some women don’t have a man to fix these things, and those that do don’t want to add more to a “honey-do” list, so she should learn how to take charge and do it themselves.

“Women need those of us who have gone through this before, which I have. I also have helped be a sounding board, friend, and confidant for single women for over 13 years,” noted Cannon.

The first meeting takes place on November 29 at Anamia’s, 3408 Preston Road, Plano, TX 75093 from 5-6:30 p.m. Each month, she will feature a new speaker who will discuss a topic of expertise. The first speaker is a health insurance expert, speaking about Open Enrollment.

Cannon is the Plano Sales Director of Cannon Texas Properties Team at Vivo Realty. Vivo means “to live” in Latin, and Cannon takes her firm’s tag line “Start Living” to heart. “One thing is for sure, there is always something happening and never a dull moment,” she concluded.

About Clair Cannon, Vivo Realty
Clair Cannon is the Plano Sales Director of Cannon Texas Properties Team at Vivo Realty. She is a self-professed “Numbers Girl” and loves the intrigue of helping her clients with the financial moving parts of their transaction. For more information, please call 214-830-9078, or visit http://www.claircannon.com.

For media inquiries, please call the NALA at 805.650.6121, ext. 361. Reported by PRWeb 9 hours ago.

$12.1 Billion Digital Lending Platform Market - Global Forecast to 2023

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Dublin, Nov. 19, 2018 (GLOBE NEWSWIRE) -- The "Digital Lending Platform Market by Solution, Service, Deployment Mode, Vertical, and Region - Global Forecast to 2023" report has been added to *ResearchAndMarkets.com's* offering

*Growing adoption of digital technologies with an increasing use of smartphones for banking applications to drive the digital lending platform market*

The global digital lending platform market size is expected to grow from USD 5.1 billion in 2018 to USD 12.1 billion by 2023, at a Compound Annual Growth Rate (CAGR) of 18.7% during the forecast period.Major growth factors for the market include proliferation of smartphones and mobile devices and organizations' continued focus on digitalization of financial services to enhance customer experience. However, lack of digital literacy among the under developed countries and increasing concerns over data security and privacy in the wake of sophisticated cyber-attacks may restrain the market growth.

*Decision automation segment to grow at the highest CAGR during the forecast period*

The decision automation segment is expected to grow at the highest CAGR in the digital lending platform market during the forecast period. Decision automation is a vital solution for digital lending users, such as banks, credit unions, and P2P lenders, as it helps in automating the decision process of approving or rejecting a loan application. The growing digital banking sector and an increasing need for enhancing customer experience in the digital lending process could spur the demand for decision management solutions on a large scale.

*Business process management segment to account for the largest market size during the forecast period*

The business process management segment is expected to hold the largest market size during the forecast period. Business process management solutions are important for digital lending organizations, as the solutions enhance the efficiency of business processes by optimizing them through the use of software and services. Lending organizations and financial institutions are moving toward solutions that can manage the growing complexities arising from the complex business processes. The demand for business process management solutions in the financial industry has surged, due to the complexity involved in integrating operations and these solutions could help solve complex operations.

*North America to account for the largest market share, whereas Asia Pacific to grow at the highest CAGR*

North America is estimated to hold the largest market size and dominate the global digital lending platform market in 2018. The major growth drivers for the region include advancements in digital technologies and organizations' increasing focus on digitalizing their financial services. Large presence of vendors offering digital lending platforms will further contribute to the market growth in North America.Asia Pacific (APAC) offers growth opportunities for the major vendors offering digital lending solutions and services, as APAC organizations are adopting digital lending solutions owing to the complexity in handling the huge client base through legacy lending systems. Moreover, the unprecedented growth of smartphone usage in APAC and the financial institutions' focus on monetizing the opportunity for digitalizing their lending services will also contribute to the growth of the APAC digital lending platform market.*Key Topics Covered:**1 Introduction*

*2 Research Methodology*

*3 Executive Summary*

*4 Premium Insights*
4.1 Attractive Market Opportunities in the Digital Lending Platform Market
4.2 Digital Lending Platform Market: Market Share of Major Segments in North America
4.3 Digital Lending Platform Market, By Solution, 2018
4.4 Digital Lending Platform Market, By Country, 2018
4.5 Market Investment Scenario

*5 Market Overview*
5.1 Introduction
5.2 Market Dynamics
5.2.1 Drivers
5.2.1.1 High Proliferation of Smartphones and Growth in Digitalization
5.2.1.2 Need for Better Customer Experience
5.2.1.3 Stringent Government Rules and Regulations for Digital Lending
5.2.2 Restraints
5.2.2.1 Higher Dependency on Traditional Lending Methods
5.2.3 Opportunities
5.2.3.1 Rise in the Adoption of Ai, Machine Learning, and Blockchain- Based Digital Lending Platforms and Solutions
5.2.3.2 Increase in the Demand of Advanced Digital Lending Solutions for Retail Banking
5.2.4 Challenges
5.2.4.1 Data Security and Privacy Concerns Due to Increasing Cyber-Attacks
5.2.4.2 Lack of Digital Literacy in Underdeveloped Countries
5.3 Regulatory Implications
5.3.1 General Data Protection Regulation (GDPR)
5.3.2 Payment Card Industry Data Security Standard (PCI DSS)
5.3.3 Payment Services Directive 2 (PSD2)
5.3.4 Know Your Customer (KYC)
5.3.5 Anti-Money Laundering (AML)
5.3.6 Electronic Identification, Authentication, and Trust Services (EIDAS )
5.3.7 Health Insurance Portability and Accountability Act (HIPAA)
5.3.8 Federal Information Security Management Act (FISMA)
5.3.9 Gramm-Leach-Bliley Act (GLBA)
5.3.10 Sarbanes-Oxley Act (SOX)
5.4 Use Cases
5.4.1 Adoption of Digital Lending Solutions in the Banking Industry to Unify Loan Processes
5.4.2 Implementation of Digital Lending Solutions in Insurance Companies
5.4.3 Dependence of Financial Services Companies on Digital Lending Solutions
5.4.4 Adoption of Loan Origination Solution Among Retail Banks
5.4.5 Large-Scale Adoption of Digital Lending Solutions for Commercial Banking
5.5 Innovation Spotlight
5.5.1 Fidor Solutions

*6 Digital Lending Platform Market, By Component*
6.1 Introduction
6.2 Solutions
6.2.1 Asia Pacific to Witness the Highest Growth Rate in the Solutions Segment
6.3 Services
6.3.1 North America to Witness the Largest Market Size in the Services Segment in 2018

*7 Digital Lending Platform Market, By Solution*
7.1 Introduction
7.2 Loan Origination
7.2.1 Need to Streamline the End-To-End Loan Life Cycle is Leading to the Growth of Loan Origination Solutions in the Digital Lending Platform Market
7.3 Decision Automation
7.3.1 Rising Need of Decision Automation Solution to Automate the Overall Loan Approval Process
7.4 Portfolio Management
7.4.1 Use of Portfolio Management Solutions Across Banks, Owing to the Increasing Complexity to Manage Loan Portfolios
7.5 Loan Servicing
7.5.1 Need for Loan Servicing Solutions Fuelling the Growth of Digital Lending Solutions
7.6 Risk and Compliance Management
7.6.1 Critical Need for Risk and Compliance Management Solutions to Streamline Accounting Operations Across Verticals
7.7 Loan Management
7.7.1 Use of Loan Management Solution to Ease the Entire Loan Life Cycle Management Across the Banking Sector
7.8 Business Process Management
7.8.1 Need for Business Process Management Solutions in the Financial Industry Surged the Growth of Digital Lending Platform Market
7.9 Others
7.9.1 Need for KYC, API Gateway, and Credit Bureau Reporting to Contribute to the Growth in the Digital Lending Platform Market

*8 Digital Lending Platform Market, By Service*
8.1 Introduction
8.2 Design and Implementation
8.2.1 North America Expected to Have the Largest Market Size in the Design and Implementation Services Segment in 2018
8.3 Training and Education
8.3.1 Europe to Witness the Highest Growth Rate in the Training and Education Segment Owing to the Increasing Need for Assistance During Implementation
8.4 Risk Assessment
8.4.1 Increasing Complexity of Cyber and Financial Risk Generating the Need for Risk Assessment Services
8.5 Consulting
8.5.1 Increasing Awareness of Compliance Requirements in the Financial Industry Driving the Growth of Consulting Services
8.6 Support and Maintenance
8.6.1 Increasing Need for Assistance on Upgrades and Technical Support and Implementation Driving the Growth of Support and Maintenance Services

*9 Digital Lending Platform Market, By Deployment Mode*
9.2 Introduction
9.3 Cloud
9.3.1 Increasing Need to Reduce the Operational Cost Leading to the Growth of Cloud-Based Digital Lending Platform
9.4 On-Premises
9.4.1 Large Enterprises Deploy On-Premises Digital Lending Platform to Ensure Data Privacy and Security

*10 Digital Lending Platform Market, By Vertical*
10.1 Introduction
10.2 Banking
10.2.1 Increasing Loan Transaction Volumes Across the Banking Sector Driving the Growth of Digital Lending Platform Market
10.3 Financial Services
10.3.1 Need to Enhance Customer Experience Across the Financial Services Driving the Growth of Digital Lending Platform Market
10.4 Credit Unions
10.4.1 Need for Automation Across Credit Unions to Enhance the Lending Process
10.5 Insurance Companies
10.5.1 Need for Digitalizations in the Insurance Vertical to Strengthen the Lending Process and Dependency on the Intermediate Agents
10.6 Retail Banking
10.6.1 Adoption of Digital Lending Solutions Across Retail Banking to Provide Customers Seamless User Experience
10.7 P2P Lenders
10.7.1 Increase in Venture Funding for P2P Lender Driving the Growth of the Digital Lending Platform Market

*11 Digital Lending Platform Market, By Region*
11.1 Introduction
11.2 North America
11.2.1 United States
11.2.1.1 US Accounts for the Largest Market Share in North America During the Forecast Period
11.2.2 Canada
11.2.2.1 Canada is Expected to Grow at the Highest CAGR in North America During the Forecast Period
11.3 Europe
11.3.1 United Kingdom
11.3.1.1 Increasing Adoption of Omni-channel Digital Lending Solutions By Financial Institutions Will Fuel the Growth of the Market
11.3.2 Germany
11.3.2.1 Organizations Continuous Focus Towards Enhanced Customer Experience Will Fuel the Demand for Digital Lending Solutions in the Country
11.3.3 France
11.3.3.1 France is Expected to Grow at Highest CAGR Due to the Heavy Investment in Digital Lending Platforms By Government and Other Organizations in the Country
11.3.4 Rest of Europe
11.4 Asia Pacific
11.4.1 China
11.4.1.1 Rapid Economic Developments and the Increased Proliferation of Smartphones are Expected to Drive the Growth of the Digital Lending Platform Market in China
11.4.2 Japan
11.4.2.1 Reduced Cost, Enhanced Customer Experience, and Improved Operational Efficiency of Lending Platforms are Expected to Trigger the Growth of the Digital Lending Platform Market in Japan
11.4.3 India
11.4.3.1 High Adoption of Digital Lending Platforms in Various Verticals, Such as Retail and Consumer Banking, Insurance Companies, Credit Unions, and Financial Institutions Will Fuel the Growth of the Digital Lending Platform Market in Japan
11.4.4 Australia and New Zealand (ANZ)
11.4.4.1 Increasing Adoption of Digital Lending Platforms By Organizations for Improved Productivity Will Boost the Growth of the Digital Lending Platform Market in Japan
11.4.5 Rest of Asia Pacific
11.5 Middle East and Africa
11.5.1 Middle East
11.5.1.1 Consumers are Becoming Internet-Savvy Driving the Digital Lending Platform Market in Middle East
11.5.2 Africa
11.5.2.1 Increasing Focus on Digitalization of Financial Sector is Driving the Growth of Digital Lending Platform Market in Africa
11.6 Latin America
11.6.1 Brazil
11.6.1.1 Rapid Surge in the Usage of Internet and Mobile-Based Applications in the Financial Institutions to Drive the Growth of Digital Lending Platform Market in Brazil
11.6.2 Mexico
11.6.2.1 Proliferation of Cloud Based Digital Technologies Aiding the Growth of Digtial Lending Platform Market in Mexico
11.6.3 Rest of Latin America

*12 Competitive Landscape*
12.1 Overview
12.2 Competitive Scenario

*13 Company Profiles*
13.1 Introduction
13.2 Fiserv
13.3 Newgen Software
13.4 Ellie MAE
13.5 Nucleus Software
13.6 FIS Global
13.7 Pegasystems
13.8 Temenos
13.9 Intellect Design Arena
13.10 Sigma Infosolutions
13.11 Tavant Technologies
13.12 Docutech
13.13 Mambu
13.14 CU Direct
13.15 Sageworks
13.16 Roostify
13.17 Juristech
13.18 Decimal Technologies
13.19 HiEnd Systems
13.20 Rupeepower
13.21 Finastra
13.22 Argo
13.23 Symitar
13.24 TurnKey Lender
13.25 Finantix
13.26 Built TechnologiesFor more information about this report visit https://www.researchandmarkets.com/research/lwbdtw/12_1_billion?w=12

Did you know that we also offer Custom Research? Visit our Custom Research page to learn more and schedule a meeting with our Custom Research Manager.

CONTACT:
CONTACT: ResearchAndMarkets.com
Laura Wood, Senior Press Manager
press@researchandmarkets.com
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Related Topics: Credit and Loans Reported by GlobeNewswire 8 hours ago.

Fanhua Announces Quarterly Cash Dividend of US$0.25 per ADS for the Third Quarter of 2018

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GUANGZHOU, China, Nov. 19, 2018 (GLOBE NEWSWIRE) -- Fanhua Inc. (“Fanhua” or “the Company”) (Nasdaq: FANH), a leading independent financial services provider in China, today announced that its Board of Directors has declared a quarterly dividend of US$0.0125 per ordinary share, or US$0.25 per ADS for the third quarter of 2018, amounting to a total of US$16.0 million, on November 17, 2018. The dividend is payable on or around December 20, 2018 to shareholders of record on December 5, 2018.  The Company will maintain its regular dividend policy unchanged, pursuant to which cash dividends will be paid on a quarterly basis, with payout ratio of no less than 50% of its net income attributable to shareholders.

The Company will release its unaudited financial results for the third quarter 2018 after the close of the U.S. financial markets on November 20, 2018 Eastern Standard Time (November 21, 2018 Beijing/Hong Kong Time).

Mr. Chunlin Wang, chairman & CEO and Mr. Peng Ge, CFO will host a conference call to discuss the third quarter 2018 financial results at:

Time:   8:00 p.m. Eastern Standard Time on November 20, 2018
or    9:00 a.m. Beijing/Hong Kong Time on November 21, 2018

The toll free dial-in numbers:
 
United States 1-855-500-8701
United Kingdom 0800-015-9724
France 0800-918-648
Germany 0800-184-4876
Australia 1-300-713-759
Canada 1-855-757-1565
Taiwan 0080-665-1951
Hong Kong 800-906-606
India 1-800-3010-6020
   
The toll dial-in numbers:
China (Mainland) 400-120-0654
Hong Kong & Other Areas +852-3018-6776

Conference ID #:3447409

Additionally, a live and archived web cast of this call will be available at: http://ir.fanhuaholdings.com/events-and-presentations

*About* *Fanhua Inc.*

Fanhua Inc. is a leading independent online-to-offline financial services provider. Through our online platforms and offline sales and service network, we offer a wide variety of financial products and services to individuals and businesses, including property and casualty and life insurance products. We also provide insurance claims adjusting services, such as damage assessments, surveys, authentications and loss estimations, as well as value-added services, such as emergency vehicle roadside assistance. Our online platforms include (1) Baoxian.com, an online entry portal for comparing and purchasing health, accident, travel and homeowner insurance products; (2) CNpad, a mobile sales support application; (3) eHuzhu (www.ehuzhu.com), an online mutual aid platform and (4) Lan Zhanggui, an all-in-one platform which allows our agents to access and purchase a wide variety of insurance products, including life insurance, auto insurance, accident insurance, travel insurance and standard health insurance products from multiple insurance companies on their mobile devices.

As of June 30, 2018, our distribution and service network consisted of 712 sales and service outlets covering 31 provinces.

*Forward-looking Statements*

This press release contains statements of a forward-looking nature. These statements, including the statements relating to the Company's future financial and operating results, are made under the "safe harbor" provisions of the U.S. Private Securities Litigation Reform Act of 1995. You can identify these forward-looking statements by terminology such as "will,""expects,""believes,""anticipates,""intends,""estimates" and similar statements. Among other things, management's quotations and the Business Outlook section contain forward-looking statements. These forward-looking statements involve known and unknown risks and uncertainties and are based on current expectations, assumptions, estimates and projections about Fanhua and the industry. Potential risks and uncertainties include, but are not limited to, Fanhua’s ability to attract and retain key personnel and productive agents, its ability to maintain existing and develop new business relationships with insurance companies, its ability to execute its growth strategy, its ability to adapt to the evolving regulatory environment in the Chinese insurance industry, its ability to compete effectively against its competitors, quarterly variations in its operating results caused by factors beyond its control and macroeconomic conditions in China and their potential impact on the sales of insurance products. All information provided in this press release is as of the date hereof, and Fanhua undertakes no obligation to update any forward-looking statements to reflect subsequent occurring events or circumstances, or changes in its expectations, except as may be required by law. Although Fanhua believes that the expectations expressed in these forward-looking statements are reasonable, it cannot assure you that its expectations will turn out to be correct, and investors are cautioned that actual results may differ materially from the anticipated results. Further information regarding risks and uncertainties faced by Fanhua is included in Fanhua's filings with the U.S. Securities and Exchange Commission, including its annual report on Form 20-F.

For more information about Fanhua Inc., please visit http://ir.fanhuaholdings.com/.

CONTACT: CONTACT: Oasis Qiu
Investor Relations Manager
Tel: (8620) 83883191
Email: qiusr@fanhuaholdings.com Reported by GlobeNewswire 6 hours ago.

RELI Announces Pending Acquisition

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RELI Announces Pending Acquisition *NEW YORK, NY / ACCESSWIRE / November 19, 2018 / *Reliance Global Group, Inc. (OTC PINK: RELI), formerly known as Ethos Media Network, Inc., announces that it has a fully executed Letter of Intent to acquire 100% of an unaffiliated niche insurance agency. The agency specializes in placing Group Health Insurance for businesses in the Northwest. Insurance agencies, as opposed to carriers, bear no insurance risk.

The agency to be acquired had revenues of $1,500,000 (unaudited) in 2017. Completion of the acquisition is subject to the signing of a definitive purchase agreement, and due diligence (which is underway). RELI's lender has approved financing of the pending acquisition, subject to review of the agency's financial statements.

Ezra Beyman, RELI's CEO, stated, ''We are delighted with RELI's continuing to make acquisitions in the insurance agency space and intends to make acquisitions in the real estate sector as well. We have significant experience in both the insurance agency and the real estate sectors, and, at the appropriate time, we intend to become an SEC-reporting company again.''

RELI also announces that it has changed EOMN's corporate name to RELIANCE GLOBAL GROUP, INC., and has completed its symbol change to RELI as well.

*SOURCE: *Reliance Global Group, Inc.
View source version on accesswire.com:
https://www.accesswire.com/528362/RELI-Announces-Pending-Acquisition Reported by Accesswire 4 hours ago.

Selecting a Plan During Medicare Open Enrollment

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MISSION, Kan., Nov. 19, 2018 (GLOBE NEWSWIRE) -- (Family Features) Medicare’s annual Open Enrollment period started on Oct. 15 and ends on Dec. 7, meaning this is the time for you to review your current coverage and decide if there are better coverage options for you based on changes to the current plans, your budget, and your health needs.During Medicare Open Enrollment, you can keep your current plan or review the options in your area to join a different prescription drug plan or Medicare Advantage plan. The Open Enrollment period gives everyone with Medicare the opportunity to make changes to their Medicare health plans or prescription drug plans for coverage beginning Jan. 1, 2019.

Think about what matters most to you and be open to different options, like Medicare Advantage plans from private insurers, which are plans allowing you to simplify your coverage by combining all your health and drug coverage into a single plan.

People who choose Medicare Advantage plans are often able to lower their out-of-pocket costs while getting extra benefits, like vision, hearing, dental, and prescription drug coverage. Some Medicare Advantage plans now offer supplemental benefits that can include adult day care services, in-home support services, caregiver support services, home-based palliative care, and therapeutic massage. Best of all, prices are going down. The average Medicare Advantage monthly premium will decrease to $28 for 2019.

Medicare health and drug plans change each year, and so can your health needs. Think about your health status and determine if you need to make a change by asking yourself these questions:

· Does my current plan cover my medications?
· Does another plan offer the same coverage at a lower cost?
· Am I interested in having a plan that covers extra benefits like dental and vision?
· Does the network include the specialist or hospital I want for an upcoming surgery?

*Get Started on Medicare.gov*
Medicare.gov has new tools that can help you review your options:

· *Compare Coverage Options Tool:* Asks five simple questions to see if Original Medicare or a Medicare Advantage Plan meets your needs.

· *Estimate Medicare Costs Tool:* Helps you estimate out-of-pocket costs depending on the Medicare coverage you choose.

· *Plan Finder Tool:* Lets you compare plans to see the exact costs for plans in your area based on the prescription drugs you take and the pharmacy you use. If you are open to coverage choices, you may find a plan that costs less, covers your drugs, and offers extra benefits like vision and dental coverage. Try the web chat feature for real-time help.

Once you’ve chosen a plan, check its Star Rating before you enroll. Through the Plan Finder Tool, you can access up-to-date Star Ratings for Medicare health and prescription drug plans. You can use Star Ratings to compare the quality of health and drug plans being offered.
             
Medicare Open Enrollment ends on Dec. 7. Now is the time to act if you want to enroll in or make changes to your Medicare health or prescription drug plan for coverage beginning Jan. 1, 2019. If your current coverage meets your needs, you don’t have to do anything. However, if you miss the Dec. 7 Open Enrollment deadline, you will likely have to wait a full year before you are able to make changes to your Medicare coverage.

For more information, visit Medicare.gov or call 1-800-MEDICARE (1-800-633-4227). TTY users can call 1-877-486-2048. Help is available 24 hours a day, including weekends. If you need help in a language other than English or Spanish, let the customer service representative know the language.

Help in your community is also available. You can get personalized health insurance counseling at no cost to you from your State Health Insurance Assistance Program (SHIP). Visit shiptacenter.org or call 1-800-MEDICARE for your SHIP’s phone number.

More information about Medicare is also available on the Medicare Facebook page and by following @MedicareGov on Twitter.

Information provided by the U.S. Department of Health & Human Services.

Michael French
mfrench@familyfeatures.com 
1-888-824-3337
editors.familyfeatures.com

*About Family Features Editorial Syndicate*
A leading source for high-quality food, lifestyle and home and garden content, Family Features provides readers with topically and seasonally relevant tips, takeaways, information, recipes, videos, infographics and more. Find additional articles and information at Culinary.net and eLivingToday.com.

A photo accompanying this announcement is available at http://www.globenewswire.com/NewsRoom/AttachmentNg/b07c23d3-0232-49e0-b554-24ec9bafadc8 Reported by GlobeNewswire 2 hours ago.

Dermapharm Holding SE reports positive business development in the third quarter of 2018

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DGAP-News: Dermapharm Holding SE / Key word(s): 9 Month figures

20.11.2018 / 07:31
The issuer is solely responsible for the content of this announcement.
--------------------

*Dermapharm Holding SE reports positive business development in the third quarter of 2018*

· Group revenue increased by 22.7% to EUR 429.0 million
· Adjusted EBITDA rose by 28.3% to EUR 106.4 million; adjusted EBITDA margin improved to 24.8%
· Continuing growth based on scheduled integration of new acquisitions and successful introduction of in-house developments
· Management Board confirms forecast for 2018 as a whole

*Grünwald, November 20, 2018 - Dermapharm Holding SE ("Dermapharm"), a leading manufacturer of patent-free branded pharmaceuticals for select therapeutic areas in Germany with a growing international presence, published its business figures for the first nine months of 2018 today. The company increased its sales in the reporting period by 22.7% to EUR 429.0 million (previous year: EUR 349.7 million). Earnings before interest, taxes, depreciation and amortization (EBITDA) adjusted for one-time expenses in connection with the IPO and the acquisitions of Strathmann and Trommsdorff in the amount of EUR 3.8 million rose by 28.3% to EUR 106.4 million (prior-year period: EUR 82.9 million). This resulted in an adjusted EBITDA margin of 24.8%, 1.2 percentage points above the margin of the previous year. Unadjusted EBITDA amounted to EUR 102.6 million and the unadjusted EBITDA margin was 23.9%.*

Dr. Hans-Georg Feldmeier, CEO of Dermapharm Holding SE, comments: "In the first nine months of 2018, we continued our positive business development, including our successful admission to the Prime Standard of the Frankfurt Stock Exchange, the integration of recent acquisitions as well as the successful introduction of in-house developments. The current portfolio's volume growth also reflects our strong position in the market with attractive products. The acquisitions we made enabled us to further strengthen our business model and lay the foundation for continued growth."

Both the "Branded Pharmaceuticals and Other Healthcare Products" segment and the "Parallel Import Business" segment contributed to this successful development. The acquisitions of Strathmann and Trommsdorff and additional products such as Myopridin(R), Keltican(R) and Tromcardin(R) enabled Dermapharm to ideally complement its portfolio. The company's broad positioning enables it to further reduce its dependence on direct health insurance discounts and significantly increase the share of products in the self-pay segment in select niche markets. Dermapharm was also able to gain market share in the new therapeutic area of pain treatment. In addition, Dermapharm succeeded in strengthening its position in the domestic market for the hyperthermal medical products bite away^(R) and Herpotherm^(R) by expanding into the pharmacy market and gaining contractual partners in Northern, Eastern and Central Europe. Dermapharm now plans to sell these products in the UK, Western Europe, Asia and the United States. Dermapharm's comprehensive three-pillar strategy of in-house product development, internationalization and targeted M&A activities continues to bear fruit.

Sales in the "Branded Pharmaceuticals and Other Healthcare Products" segment increased by 52.5% to EUR 249.5 million (previous year: EUR 163.6 million). The segment's reported EBITDA increased by 26.5% to EUR 98.3 million (prior-year period: EUR 77.7 million). This increase was mainly due to the positive development of gross profit along with reducing expenses for discounts from direct contracts with health insurance funds and reducing the cost of materials ratio. The acquisitions of the Strathmann Group (January 1, 2018) and the Trommsdorff Group (February 1, 2018) were included in the consolidation of this business segment for the first time. As a result of the adjustment for one-time expenses in connection with the IPO and the two acquisitions, the segment's adjusted EBITDA margin of 40.9% was below the corresponding prior-year figure of 47.5%.

In the "Parallel Import Business" segment, revenue decreased by 3.6% to EUR 179.5 million in the reporting period (previous year: EUR 186.1 million). This decline was mainly due to the concentration on high-margin, small-volume preparations. With this selective approach, EBITDA in the parallel import business increased significantly by 51.6% to EUR 7.8 million in the first nine months of the year (previous year: EUR 5.2 million). Dermapharm increased its EBITDA margin in this segment from 2.8% in the same period of the previous year to 4.4% through the optimization of the product portfolio, the increase in the gross profit margin through demand-oriented purchasing and continuous cost optimization through the in-house relocation of the business with reimported narcotics.

The Management Board confirms its forecast for fiscal year 2018 in light of the strategic orientation in the "Branded Pharmaceuticals and Other Healthcare Products" segment, the consistent implementation of the three-pillar strategy, the continuing stable legal situation and a steadily growing importable pharmaceutical market. The Management Board continues to expect the Group to grow in 2018 over the previous year. It continues to expect consolidated revenue 20% to 25% and EBITDA 22% to 27% higher than in fiscal year 2017.

The complete 9-Month Report for 2018 is available online as of today at ir.dermapharm.com.*Key financial figures 9M 2018 year-on-year*

*in EUR millions* *9M/2018* *9M/2017* *Change*
       
*Group revenue* *429.0* *349.7* *22.7%*
Branded Pharmaceuticals and Other Healthcare Products 249.5 163.6 52.5%
Parallel Import Business 179.5 186.1 -3.5%
Reconciliation / Group holding company - - -
       
*Adjusted¹ Group EBITDA* *106.4* *82.9* *28.3%*
*Adjusted¹ EBITDA margin (in %)* *24.8* *23.6* *+1.2pp*
       
*Group EBITDA* *102.6* *82.9* *24.1%*
Branded Pharmaceuticals and Other Healthcare Products 98.3 77.7 26.5%
Parallel Import Business 7.8 5.2 51.6%
Reconciliation / Group holding company (3.6) -  
*EBITDA margin (in %)* *23.9* *23.7* *+0.2pp*
Branded Pharmaceuticals and Other Healthcare Products 39.4 47.5 -8.1pp
Parallel Import Business 4.4 2.8 +1.6pp

¹ EBITDA 9M/2018 adjusted for one-time expenses of EUR 3.8 million in connection with the IPO and the acquisitions of Strathmann and Trommsdorff*Company profile: *

*Dermapharm - Pharmaceutical Excellence "Made in Germany"*

Dermapharm is a leading manufacturer of patent-free branded pharmaceuticals for selected markets in Germany. Founded in 1991, the company is based in Grünwald near Munich and has its main manufacturing facility in Brehna near Leipzig. The company's integrated business model comprises in-house development, in-house production and distribution of pharmaceuticals and other healthcare products for specifically targeted markets by a medical and pharmaceutical sales force. Dermapharm holds approximately 950 marketing authorizations (Arzneimittelzulassungen) for more than 250 active pharmaceutical ingredients, which are marketed as pharmaceuticals, dietary supplements or supplemental balanced diets. This assortment makes the company unique. In addition to Germany, the company's core markets also include Austria and Switzerland. The company plans to further expand its international presence. Dermapharm's business model also includes a parallel import business, which operates under the "axicorp" brand. Based on revenues, Dermapharm was among the top five parallel import companies in Germany in the first half-year 2018.

With a consistent development strategy and numerous successful product and company acquisitions over the past 25 years, Dermapharm has continuously optimized its business and provided external growth impulses in addition to organic growth. Dermapharm intends to continue this profitable growth course in the future. The company is focusing on three strategic growth drivers: in-house development of new products, increase of its international footprint and further acquisitions. These include the acquisition of the pharmaceuticals manufacturer and distributor Trommsdorff in January 2018, whose portfolio includes the well-known brands Keltican^(R) forte and Tromcardin^(R) complex.*Contact*

cometis AG
Claudius Krause
Phone: +49 (0)611 - 205855-28
Fax: +49 (0)611 - 205855-66
E-mail: ir@dermapharm.de

 
--------------------

20.11.2018 Dissemination of a Corporate News, transmitted by DGAP - a service of EQS Group AG.
The issuer is solely responsible for the content of this announcement.

The DGAP Distribution Services include Regulatory Announcements, Financial/Corporate News and Press Releases.
Archive at www.dgap.de --------------------

Language: English
Company: Dermapharm Holding SE
Lil-Dagover-Ring 7
82031 Grünwald
Germany
Phone: +49 (0)89 64 86-0
E-mail: ir@dermapharm.de
Internet: ir.dermapharm.de
ISIN: DE000A2GS5D8
WKN: A2GS5D
Listed: Regulated Market in Frankfurt (Prime Standard); Regulated Unofficial Market in Berlin, Dusseldorf, Stuttgart, Tradegate Exchange
 
End of News DGAP News Service Reported by EQS Group 11 hours ago.

Unemployment in Russia hits record high of 15 percent

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Unemployed Russian citizens will have to pay all insurance contributions to social funds for themselves. It goes about the fees to the pension fund, the mandatory medical insurance fund and the social insurance fund. The new rule will affect only able-bodied individuals of working age who officially do not work anywhere.The suggestion in the draft law "On Amendments to Article 23, Article 419 and Article 425 of the Tax Code of the Russian Federation" was prepared by a member of the State Duma Committee on Labor, Social Policy and Veterans Affairs Sergei Vostretsov.Under the current law, the fees to the Pension Fund, the Mandatory Medical Insurance Fund and the Social Insurance Fund are paid by the employer (for employed individuals). In total, they make up 30 percent per month and give the right to free health care services, retirement benefits, sickness allowance, maternity and child care allowance. Every month, the employer shall transfer the following taxes for every employee: 22 percent to the Pension Fund, 5.1 percent to the Compulsory Health Insurance Fund and 2.9 percent to the Social Security Fund. The personal income tax is withheld from every employee as well. Vadim Gorshenin, the chairman of the Board of Directors of Pravda.Ru found a number of interesting nuances in Vostretsov's initiative. "From his initiative, we learn that 18 million Russians of working age do not work anywhere officially. I looked into the Rosstat data (I did not find the data for 2018), and in 2017, there were 3.967 million unemployed people in Russia, which accounted for 6.6 percent of the total working-age population. As of January 2018, Rosstat announced that the unemployment rate in Russia declined to 5.2%, that is, to 3.918 million."At the same time, Russian officials announced that the unemployment level in 2018 reached its all-time low. All of a sudden, we can see Mr. Vostretsov saying that there are as many as 18 million unemployed people in the country. Let's take these figures as a basis and we will find out that the unemployment level in today's Russia actually makes up 15 percent - the highest in the 2000s. Before that, the record was 9.4 percent - 5.544 million people."There is something that I like about Mr. Vostretsov's initiative - namely the need for unemployed citizens to cover their own social welfare spending. Such a measure should educate civil feelings and understanding of what our common state budget is made of. I have long proposed to introduce this principle with respect to all citizens in general, rather than just a single category of people. On the other hand, what if such a move would double or triple the unemployment rate?"In the meantime, there is a clear understanding that the treasury is empty while oligarchs keep counting their growing dividend from privatised mineral companies."Vadim GorsheninPravda.Ru Chairman of Board of Directors  Read article in Russian Reported by PRAVDA 4 hours ago.

NFP Ventures Invests in Nubundle Inc., Insurance and Lending Support for Fertility Services

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Partnership reinforces NFP's commitment to increase quality of benefits and fills previously unmet needs for fertility offerings

NEW YORK (PRWEB) November 20, 2018

NFP Ventures, the early-stage investment arm of NFP, today announced a minority investment in Nubundle Inc. (Nubundle), the nation’s first holistic family planning and fertility services company. The transaction closed on Nov. 9, 2018.

Nubundle’s mission is twofold: to make family planning and fertility care accessible to all, and to redefine employers’ relationships with families by providing family planning concierge support, access to a premium network of fertility clinics with bundled discounts, and financial support through insurance. In most states, health insurance does not cover fertility treatments, yet the average cost of in vitro fertilization (IVF) treatments continues to increase. Also on the rise – the age in which individuals are starting families, creating even more of a demand for IVF. The gap in adequate financial support makes starting a family a nearly unattainable dream for many. Reproductive Medicine Associates of New Jersey’s 2018 Infertility Trends National Survey reveals less than 20 percent of respondents have access to employer-provided fertility treatment benefits, and 57 percent indicate they would change their place of employment for better treatment options. To retain valuable employees, now is the right time for solutions like Nubundle. This investment reflects NFP’s commitment to offering clients innovative solutions and products that address a known need and lessen cost barriers.

“NFP provides solutions that better employees’ lives personally as well as professionally. For many, a deeply personal goal is starting a family, a process that has become increasingly costly and confusing when fertility treatment is required,” said Shawn Ellis, managing director of NFP Ventures. “We are thrilled to invest in Nubundle, a market entrant that is innovating the family planning and fertility space. We believe in access to affordable and all-encompassing benefits packages that provide for employees, their families and future family members.”

“In the goals of lowering costs, increasing quality of care and boosting social outcomes, NFP and Nubundle are completely aligned,” said Mike Goldman, president and COO of NFP. “Given the lack of product innovation within health plan design and the costs associated with IVF and other treatments, Nubundle represents a truly differentiated offering for employers and consumers.”

“NFP’s understanding of the health and benefits space is unparalleled — we couldn’t be more thrilled to have their counsel on our go-to-market strategy,” said John Ciasulli, co-founder and CEO of Nubundle. “Starting a family is a milestone – one of the great moments in an individual’s life – and with NFP’s help, we can make this a more inclusive experience for all by increasing education and the number of treatment, financing and insurance options while keeping the emphasis on patient care.”

For more information, please visit https://www.nubundle.com.

About Nubundle
Nubundle helps employers redefine their relationships with families through benefits by providing access to family planning and fertility services. Nubundle offers a platform that provides access to an experienced network of family planning and fertility experts, affordable fertility services, and just-in-time insurance.

About NFP Venture, LLC.
NFP Venture, LLC. (NFP Ventures) is a venture fund launched by NFP that focuses on strategic partnerships and investments in the emerging Insurtech, Fintech and HR Tech arenas. NFP Ventures’ mission is to find, fund and work successfully with visionary executives, providing them with expertise to foster long-term success. Typically, NFP Ventures targets companies seeking Seed to Series B investment that can benefit from NFP’s distribution, human capital and other unique assets to accelerate their growth.

About NFP
NFP is a leading insurance broker and consultant that provides employee benefits, property and casualty, retirement and individual private client solutions through our licensed subsidiaries and affiliates. Our expertise is matched by our commitment to each client's goals and is enhanced by our investments in innovative technologies in the insurance brokerage and consulting space.

NFP has more than 4,700 employees and global capabilities. Our expansive reach gives us access to highly rated insurers, vendors and financial institutions in the industry, while our locally based employees tailor each solution to meet our clients' needs. We've become one of the largest insurance brokerage, consulting and wealth management firms by building enduring relationships with our clients and helping them realize their goals.

Recently NFP was named the 2nd largest retirement plan aggregator firm, as ranked by Investment News; the 5th largest US-based privately owned broker, the 5th best place to work in insurance and the 6th largest benefits broker by global revenue by Business Insurance; the 9th largest property and casualty agency by total 2016 P&C revenue and the 9th largest commercial lines agency by total 2016 P&C and commercial lines revenue by Insurance Journal; the 10th largest employee benefits broker by Employee Benefit Adviser; the 11th largest broker of US business by Business Insurance; and the 12th largest global insurance broker by Best's Review.

For more information, visit NFP.com. Reported by PRWeb 4 hours ago.

Zynex to Present at the 11th Annual LD Micro Main Event

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Zynex to Present at the 11th Annual LD Micro Main Event *LOS ANGELES, CA / ACCESSWIRE / November 20, 2018 / Zynex, Inc. (*OTCQB: ZYXI), an innovative medical technology company specializing in the manufacture and sale of non-invasive medical devices for pain management, stroke rehabilitation, cardiac monitoring and neurological diagnostics, today announced that it will be presenting at the 11th annual LD Micro Main Event on Tuesday, December 4th at 4:30pm PST / 7:30pm EST. Zynex's CEO, Thomas Sandgaard will be presenting and meeting with investors.

Link to webcast: *http://wsw.com/webcast/ldmicro15/zyxi/*

"Internally, our entire year leads up to the Main Event. It has become the ‘one thing' everyone in the small and micro-cap world knows us for. Also, free mints" stated Chris Lahiji, while enjoying a mint. "Even though LD has emerged as one of the largest and most influential organizations in the space, our focus has never deviated from showcasing some of the most interesting businesses in the world to our ever growing community."

The LD Micro Main Event will take place December 4th, 5th, and 6th, in Los Angeles at the Luxe Sunset Bel Air Hotel, will feature 250 companies, and will be attended by over 1,200 individuals.

*View Zynex's profile here: **http://www.ldmicro.com/profile/ZYXI*

*Profiles powered **by LD Micro*-* News Compliments of **Accesswire*

*About Zynex*

Zynex, founded in 1996, markets and sells its own design of electrotherapy medical devices used for pain management and rehabilitation; and the company's proprietary NeuroMove device designed to help recovery of stroke and spinal cord injury patients. Zynex is also developing a new blood volume monitor for use in hospitals and surgery centers. For additional information, please visit: Zynex.com.* *

*About LD Micro*

LD Micro was founded in 2006 with the sole purpose of being an independent resource in the microcap space.

What started out as a newsletter highlighting unique companies has transformed into several influential events annually (Invitational, Summit, and Main Event).

In 2015, LDM launched the first pure microcap index (the LDMi) to exclusively provide intraday information on the entire sector. LD will continue to provide valuable tools for the benefit of everyone in the small and micro-cap universe.

For those interested in attending, please contact David Scher at david@ldmicro.com or visit www.ldmicro.com for more information.

*Safe Harbor Statement *

Certain statements in this release are "forward-looking" or projections and as such are subject to numerous risks and uncertainties. The company makes no express or implied representation or warranty as to the completeness of this information or, in the case of projections, as to their attainability or the accuracy and completeness of the assumptions from which they are derived. Actual results may vary significantly from the results expressed or implied in such statements. Factors that could cause actual results to materially differ from forward-looking statements include, but are not limited to, the need to obtain FDA clearance and CE marking of new products, the acceptance of new products as well as existing products by doctors and hospitals, larger competitors with greater financial resources, the need to keep pace with technological changes, our dependence on the reimbursement from insurance companies for products sold or leased to our customers, acceptance of our products by health insurance providers, our dependence on third party manufacturers to produce our goods on time and to our specifications, implementation of our sales strategy including a strong direct sales force our ability to up-list to a larger exchange and other risks described in our filings with the Securities and Exchange Commission including the "Risk Factors" section of our Annual Report on Form 10-K for the year ended December 31, 2017 as well as Forms 10-Q, 8-K and 8-K/A, press releases and the Company's website.

*Contact: *Zynex, Inc. (303) 703-4906

*Zynex's Investor Relations Contact:*
Amato And Partners, LLC
Investor Relations Counsel
admin@amatoandpartners.com

*SOURCE: *Zynex
View source version on accesswire.com:
https://www.accesswire.com/528519/Zynex-to-Present-at-the-11th-Annual-LD-Micro-Main-Event Reported by Accesswire 3 hours ago.

Empire Life launches Guaranteed Life Protect guaranteed issue life insurance

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KINGSTON, Ontario, Nov. 20, 2018 (GLOBE NEWSWIRE) -- The Empire Life Insurance Company (Empire Life) (TSX: EML.PR.A) announces the launch of Guaranteed Life Protect, a new guaranteed issue life insurance product that provides guaranteed, lifetime coverage with no health  or lifestyle questions asked.“Guaranteed issue life insurance has broad appeal across a number of key consumer segments in the Canadian marketplace,” said Mike Stocks, Vice President and Chief Marketing Officer, Retail. “While we know it will be attractive to consumers looking to cover final expenses who may have been turned down for coverage in the past, we believe Guaranteed Life Protect will also appeal to consumers who value convenience and speed.”

Unlike many guaranteed life insurance products available in Canada today, Guaranteed Life Protect from Empire Life offers coverage of up to $50,000 (depending on age), while also providing features normally associated with fully underwritten coverage, such as cash surrender value, reduced paid-up values and  guaranteed level premiums.

“Our clients and advisors rely on us to be simple, fast and easy,” said Mr. Stocks. “Guaranteed Life Protect greatly enhances that promise. Whether purchased online, or with its simple application, getting important coverage has never been simpler, faster or easier.”

About Empire Life

Established in 1923 and a subsidiary of E-L Financial Corporation Limited, Empire Life provides individual and group life and health insurance, investment and retirement products to Canadians. Our mission is to make it simple, fast and easy for Canadians to get the investment, insurance and group benefits coverage they need to build wealth, generate income, and achieve financial security. As of September 30, 2018 Empire Life had total assets under management of $17.2 billion. Follow Empire Life on Twitter @EmpireLife or visit www.empire.ca for more information. 

Contact:
Justin MacKinnon
1 877 548-1881 x4340
justin.mackinnon@empire.ca Reported by GlobeNewswire 2 hours ago.

Take Command Health Releases New Resources As QSEHRA Contribution Limits Continue to Rise

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New QSEHRA plan designer and reimbursement guide offer an easier way to maximize tax savings

DALLAS (PRWEB) November 20, 2018

Take Command Health, the leading resource for affordable, personalized benefits for small businesses, is excited to announce a new QSEHRA Plan Designer and a comprehensive QSEHRA Reimbursement Guide. These resources are released in direct response to last week’s announcement of the new QSEHRA contribution limits for 2019 which signify the continued popularity for these tax-advantaged health benefits for small businesses.

“We’ve had a record-setting open enrollment for QSEHRA so far, with more small business owners and entrepreneurs opting for this tax-advantaged strategy than ever before,” shares Take Command Health CEO, Jack Hooper. “With such an influx of clients and interest, we wanted to proactively educate about QSEHRA and make our clients’ lives easier.”

The goal of the QSEHRA Reimbursement Guide is to help small business owners and their employees understand all the things that can be reimbursed by a QSEHRA, including issues regarding taxability, over the counter drugs, and qualified medical expenses. While the guide is simply an educational resource, there’s a new tool to help users structure their reimbursements: The QSEHRA Plan Designer.

The QSEHRA Plan Designer tool allows employers to design compliant reimbursements for their staff, with options including reimbursing all employees the same amount, varying rates by family size, or reimbursing the max amount for everyone. It demonstrates one of the biggest selling points about a QSEHRA: a small business or startup can tailor their QSEHRA to meet their needs and keep their budget in check.

The contribution limits for 2019 will go up $100 a year for single employees and $200 a year for employees with dependents. This is similar to the increase in 2018 of $100 for single employees and $250 for employees plus their dependents compared to the previous year.

“A big change we expect to see for 2019 is increased awareness for this great tax advantage for small businesses and a broader array of HRA options,” shares Take Command Health CEO, Jack Hooper. “That's exactly why we are trying to spread the word about this bipartisan success story and help small businesses offer affordable benefits to their teams.”

About Take Command Health
Take Command Health launched three years ago with the goal of bringing awareness, advocacy, and transparency to the confusing world of health insurance for small businesses and individuals. Take Command Health is at the forefront of this issue, a recognized leader in QSEHRA administration and small business HRA tax strategy, with customers in every state. It operates in Arizona, California, Florida, Georgia, Indiana, Michigan, North Carolina, Pennsylvania, Texas, Tennessee, and Wisconsin for individual insurance and offers small business HRA administration nationwide. Reported by PRWeb 18 hours ago.

Medicaid Work Requirements Reapproved in Kentucky

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Part of an unprecedented change to the nation's largest health insurance program, Kentucky on Tuesday was reapproved to implement its controversial Medicaid work requirements, according to The Hill. Reported by Newsmax 13 hours ago.

Important Clauses You Must Read When Buying a Health Insurance Cover

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Should you insure your health only for tax benefits? Here are six essential considerations that most insurance subscribers are usually unaware of when it comes to insuring their health. Reported by Sify 8 hours ago.

2018 ez1095 ACA Software Offers New Import Video For 1095 C Forms For Ease Of Use

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Newest 2018 ez1095 Affordable Care Act software from Halfpricesoft.com now offers an instructional video with detailed instructions on importing data from 1095 C forms. Download and test drive for compatibility at http://www.halfpricesoft.com.

NEW YORK (PRWEB) November 21, 2018

The 2018 version of Ez1095 ACA software has been updated by Halfpricesoft.com developer’s with a new video to give step by step instructions on how to import data for form 1095 C. This new video addition will give added peace of mind to new and current customers. The instructional guides and customer support for the program are all included at no additional cost to customers.

“The latest 2018 ez1095 ACA software has implemented a new 1095 C instructional video for customer ease of use.” said Dr. Ge, the Founder of Halfpricesoft.com.

How to know if your company needs to file 1095 forms:· Employer with 50 or more full-time employees
· Employers with fewer than 50 employees, but are a member of an ownership group with 50 or more full-time equivalent employees, are subject to the rules for large employers.
· Self-insured employers

Priced from just $195 per installation, ($295 for efile version) ez1095 2018 supports unlimited company accounts on the same computer at no additional cost.

Customers that need to file form 1095 and 1094 can download and try this ACA software from Halfpricesoft.com before purchasing with no obligation. Visit http://www.halfpricesoft.com/aca-1095/aca-1095-software.asp for the download.

The main features include but are not limited to :
Peace of mind offered with new test scenario for efiling 1094 and 1095 ACA forms· Correction and replacement form filing available
· Print ACA Form 1095-C, 1094-C, 1095-B and 1094-B on white paper for recipients and IRS with inkjet or laser printer.
· PDF print 1095-C and 1095-B recipient copies
· Efile version available at additional cost.
· Support unlimited companies.
· Support unlimited number of recipients.
· Print unlimited number of 1095 and 1094 forms.
· Fast data import feature
· Print Form 1095 C: Employer-Provided Health Insurance Offer and Coverage Insurance
· Print Form 1094 C: Transmittal of Employer-Provided Health Insurance Offer and Coverage Information Returns
· Print Form 1095-B: Health Coverage
· Print Form 1094-B: Transmittal of Health Coverage Information Return

ez1095 software is compatible Windows 10, 8.1, 8, 7, Vista, and other Windows systems. Designed with simplicity in mind, ez1095 software is easy to use and flexible. ez1095 software’s graphical interface leads customers step-by-step through setting up company, adding employees, add forms and print forms. Customers can also click form level help links to get more details regarding the software.

To learn more about ez1095 ACA software, customers can visit http://www.halfpricesoft.com/aca-1095/aca-1095-software.asp

About halfpricesoft.com
Halfpricesoft.com is a leading provider of small business software, including online and desktop payroll software, online employee attendance tracking software, accounting software, in-house business and personal check printing software, W2, software, 1099 software, Accounting software, 1095 form software and ezACH direct deposit software. Software from halfpricesoft.com is trusted by thousands of customers and will help small business owners simplify payroll processing and streamline business management. Reported by PRWeb 6 hours ago.
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