2016 Health Insurance Checklist

October 14, 2015

Open Enrollment & Your Key to ‘White Glove’ Service

calendar days

November 1st marks the first day individuals and families can review options & make health insurance selections for 2016.  While 2016 plan details and premiums have not yet been released (we expect to have this information by November 1st), here are four(4) important  “to-do’s” for you to prepare in advance:

  1. Stay informed: Sign up for L & A’s blog– this includes the most current news on insurance changes that may impact you.
  2. Look up your doctor– Provider networks are changing every year.  As more limited networks emerge, it’s important to always verify the available plans and networks in which the doctor participates.
  3. Look up or call your pharmacy to make sure they will continue to accept your insurance plan.
  4. See if you qualify for health insurance tax credits,based on your anticipated 2016 income.

For 2016, many health plans must be replaced by December 15th for a January 1st effective date.  It is important to schedule an appointment with us to review your options and guide you to the right plan for next year.

Next, check our availability for a personal appointment for 2016 Health Insurance Open Enrollment.  December 15 is the deadline but we encourage you NOT to wait.  The end of the Open Enrollment period is very busy so to ensure we are able to provide the individual attention you deserve, L&A Services is encouraging each of you to take this opportunity to schedule your appointment in advance.  Review the November calendar then call or email us directly at (602) 996-6010 or ben@lnaservices.com.


Important for Employers – Complimentary ERISA Compliance Training Seminars

August 6, 2015

dol logo

Back by popular demand, we have partnered with TASC to provide ERISA training from the comfort of your own office.  Any employer offering benefits to at least 2 employees must comply with ERISA, or face potential fines.   We want to help you protect yourself from a DOL ERISA audit, so this complimentary 45 minute on-line training is offered as a service to you.  The dates and times are below, and you can read more about this below that.  We hope you can attend!

Seminar 1       AUGUST 24TH @ 2PM (AZ Time)

 Link for attendees:  http://meetingtasc.com/cris

Conference Call Line: Toll Free (877) 804-8416

*Conference Code:  7751934225


 Seminar 2       AUGUST 25TH @ 10 AM (AZ time)

 Link for attendees:  http://meetingtasc.com/cris

Conference Call Line: Toll Free (877) 804-8416

*Conference Code:  7751934225

You can email or call me with your preference as to which webinar will work best for you.

Thank you so much for taking time out of your busy schedules for this important webinar.

L & A Services, Inc


By now we have all heard plenty about the Affordable Care Act, and many of us have already received a letter from the Department of Labor.  In 2013, the Department of Labor hired over 1,000 auditors to collect $1.6 Billion in penalties for employers that are non-compliant.  It is estimated that 95% of all employers are not fully compliant with ERISA or new provisions of the Affordable Care Act, which will leave many businesses vulnerable to fines.

Our goal at L & A Services, Inc is to remove the threat of fines from $100-$1100 per person per day, in addition to legal fees that come with an ERISA audit. We believe the ERISA compliance service available through TASC or another one of our administrative service companies is a practical solution to protect your business against potentially large fines and/or legal fees and will give you peace of mind in the likely event of a DOL audit.

This has recently become an extremely important topic for our business customers.  It is up to the employer to comply with all the complex laws surrounding employee benefits; neither insurance companies nor your insurance agent can protect you against these fines.  However, we can offer you tools and resources to protect yourself.

In anticipation of this demand, we are holding two live informational webinars to inform you and answer questions you may have. You can attend them in the comfort of your own office. Each will last approximately 40 minutes with 10 minutes for questions. We would welcome your attendance and feedback.

BCBSAZ Announces Oct 2015 Rates for Individual Grandfathered Health Plans

July 28, 2015

Blue Cross Blue Shield of Arizona (BCBSAZ) recently mailed individual grandfathered renewal letters.  Individual members with Suite A grandfathered plans with October 2015 renewal dates will be the first to receive their letters and renewal information.

The rate increase for these plans will be 18.5% (average, not including age adjustments.)  Some affected members will be able to increase their deductible within their product to help mitigate the rate increase, however they cannot move to a different grandfathered plan. BCBSAZ is discontinuing the BluePreferred Original individual product effective December 31, 2015.

For Members with Plans Continuing in 2016

Though they will have the option to renew their current plan, some members may consider switching to a non-grandfathered individual plan. Before doing so, they should be aware of the benefits grandfathered plans offer.  Grandfathered plans provide access to a large network of providers, out-of-state coverage, and, in most cases, lower monthly premiums than those found with a non-grandfathered plans.

For Members with Plans Scheduled to be Discontinued

Members enrolled in BluePreferred Original can stay in their plans until December 31, 2015. While this only affects a small number of members, these members must select a new plan by December 15th to ensure a January 1, 2016 effective date.

All Affordable Care Act compliant plans renew on January 1st.  This year, open enrollment for every individual begins on November 1st, and ends on January 31st. Watch for more information on renewal communications, including those to members enrolled in grandmothered and non-grandfathered plans, coming soon.

If you have any questions or help considering your options, please contact your insurance broker, L & A Services at 602-996-6010.

Client Annual Reviews

July 23, 2015


The lazy days of summer are a great opportunity to sit down and review your insurance policies, coverage, and retirement plan.

L&A Services, Inc. performs this service for each client at no charge on a regular basis, and you may hear from a representative soon to check your schedule for the purpose of setting this important appointment. The appointment is at your convenience, either in person or over the telephone.  We will be looking to update your individual profile along with any life changes that may have occurred.

We will review your policies and coverages to determine whether you are over-insured, under-insured, need to make changes or are at risk in any other areas that need protection.  We will also let you know about new rules, laws, programs, and important dates to remember that apply to your benefits.  We have found people who have this done regularly are more satisfied with their insurance, feel more secure, and enjoy a greater peace of mind knowing their insurance matters are in order and up-to-date.

For your appointment with our agent, please have your policy documents handy, including retirement savings information.  Also be sure to write down any specific questions you want to ask & goals you would like to accomplish.

Please take advantage of this valuable time.  We look forward to seeing you soon.