News & Updates

VCG keeps you informed of the latest trends in HR, employee benefits, healthcare, insurance and wellness. We also help you stay current on legislative and regulatory developments in the HR and employee benefits space. Sign up to receive our employee benefits and HR newsletters and bulletins. You can also stay up to date through our News & Updates page or by following us on social media.

2025 Open Enrollment Checklist
2025 Open Enrollment Checklist

For employers operating their group health and welfare plans beginning on or after January 1, 2024, now is the time of the year to prepare for open enrollment. Typically, the focus is on evaluating the services and performance of vendors, renewing rates, and considering design changes. In addition to these items, employers need to address various legal requirements. This Benefits Brief provides a checklist that covers these requirements for the 2024 plan year.

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HR Newsletter: 11/7/2024
HR Newsletter: 11/7/2024

With Employee Benefits & HR topics regularly in the news, it’s difficult to stay up to date. Our weekly newsletter will help you stay current. Check out this week’s edition.

HR Newsletter: 10/31/2024
HR Newsletter: 10/31/2024

With Employee Benefits & HR topics regularly in the news, it’s difficult to stay up to date. Our weekly newsletter will help you stay current. Check out this week’s edition.

HR Newsletter: 10/16/2024
HR Newsletter: 10/16/2024

With Employee Benefits & HR topics regularly in the news, it’s difficult to stay up to date. Our weekly newsletter will help you stay current. Check out this week’s edition.

HR Webinar: November 2024
HR Webinar: November 2024

Workplace injury management involves a range of HR practices to address and mitigate the effects of injuries sustained by employees on the job. This webinar will address direct insurance related costs associated with workplace injuries and give strategies to improve processes, productivity, morale, employee turnover, and absenteeism.

Medical Loss Ratio (MLR)
Medical Loss Ratio (MLR)

The Affordable Care Act (ACA) requires health insurance issuers to spend a minimum percentage of premium dollars on medical care and healthcare quality improvement, which is intended to lower the cost of care. This percentage is known as the "medical loss ratio" (MLR). In the large group insurance market, the required MLR is 85%; the small group and individual markets have a required MLR of 80%. However, each state may set a higher rate. When an issuer fails to meet the requisite MLR for a year, it must provide a rebate to its policyholders. MLR rebates for the 2023 calendar year are due to policyholders by September 30, 2024. An employer-policyholder who receives a rebate for its insured group health plan will be responsible for determining how to appropriately use the refund, particularly in the context of the Employee Retirement Income Security Act (ERISA).

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VCG CONSULTANTS
3350 Riverwood Parkway
Suite 600
Atlanta, GA 30339
Phone: 770.863.3600
Fax: 770.863.3666

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