Hardware Retailing

AUG 2013

Hardware Retailing magazine is the pre-eminent how-to management magazine for small business owners and managers in the home improvement retailing industry.

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• healthquestionnaireandself-evaluations; • healthsummaryreports; • personalizedhealthactions; • onlineinteractivehealthcoachingprogram; • anincentivetrackingsystem; • andnurseoutreachtomembersconsidered"atrisk." Introducing NEW Starrett, Starrett Exact® and Starrett Exact® Plus How to Get Involved Underthenewplan,anyNRHAmembercompany,includingretailersandvendorpartnerswithatleasttwoemployees, canparticipateintheinsuranceprogram.NRHAwillbe sendingoutmoreinformationonthisprogram,butNRHA memberscancallCustomBenefitsInsuranceGroupat248960-5100andreferencetheNRHAHealthCareProgramfor immediateaccesstomoreinformation. "Healthinsuranceisbecomingthebiggestcost employershave,"Chiesasays."Youhavetomakesure you'regettingthebestdealsonyourplanstooffset risingcosts." Health Insurance Glossary Measure twice... Navigating the Affordable Care Act can be confusing. Below are a few of the most common terms and definitions you may hear regarding health care reform. Individual mandate: Just about everyone will be required to have health insurance starting in the near future. (Most Americans already do.) Medicaid expansion: The original 2010 Affordable Care Act required all states to make Medicaid more widely available, noting the federal government would pick up the cost. The Supreme Court ruled that unconstitutional in 2012, and now just 26 states say they will expand Medicaid. Guaranteed issue: This is a fancy way of saying that health insurance companies cannot turn you away for pre-existing conditions. Community Rating: Jargon that means insurance companies can only charge a certain amount more for older people and cannot charge women higher premiums than men. Essential benefits: This kicks in on Jan. 1 and is a list of conditions health insurance must cover, including birth control and certain dental care for children. What company always measures up? Cadillac tax: Not effective until 2018, this is a tax on certain health insurance plans and is meant to discourage unnecessary and expensive tests. www.nrha.org Scan to see our entire new hand tool line starrett.com Innovation Rules

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