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United Benefit Solutions is an Employee Benefits Company dedicated to putting personal attention back into company sponsored Benefits Programs. Our solutions enhance employee retention without sacrificing coverage, service, or Your Bottom Line. Our commitment to maintain the highest standards of excellence and confidentiality during every stage of program development has earned us the trust and respect of both carrier and client.

UBS has over 20 years of experience in the Employee Benefits marketplace. Our longevity can be attributed, in part, to our ability to adapt to the ever changing market of Health Insurance.

Initial Consultation: A licensed representative will advise the decision maker on the correct plan for each employers/employees needs and budget. As well as help you navigate through all the various insurance carriers and plan options.

Enrollment Meetings: A dedicated and experienced representative will guide your employees through the initial enrollment, answer all employee/employer questions, assist with the completion of the required forms, and assure a smooth transition from the previous carrier to the new one.

Administration & Claims Assistance: Client Services will assist your Benefits Manager to process Additions, Terminations, Any Changes in enrollment status and Cobra Issues.

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Company News
   Aetna Health Reform Weekly
A weekly compilation from Aetna of health care-related developments in Washington, D.C. and state legislatures across the country Week of December 7, 2009 The Senate began to slog its way through amendments (see below) last week in a process that promises to get harder, not easier. In the meantime, the debate continues as to whether the Senate bill would do anything significant to slow rising health care costs, and a Bloomberg story points out that a number of economists and analysts are doubtful that it will. The White House defends the bill's ability to slow costs, but some analysts predict that Congress will need to make many more tough decisions to have a real impact. According to Bloomberg, a group of Senators that includes Joe Lieberman (I-CT) and Susan Collins (R-ME) is taking aim at rising costs with an amendment that would include new requirements on providers to try to wring more costs out of the system. Anyone concerned about the rising cost of health care should be engaged in the process by reaching out to their Senators to urge a greater focus on bending the cost curve.     
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   IRS 2009 Indexed Health Savings Accounts Indexed
Washington, DC--The Treasury Department and Internal Revenue Service today issued new guidance on the maximum contribution levels for Health Savings Accounts (HSAs) and out-of-pocket spending limits for High Deductible Health Plans (HDHPs) that must be used in conjunction with HSAs. These amounts have been indexed for cost-of-living adjustments for 2009 and are included in Revenue Procedure 2008-29, which announces changes in several indexed amounts for purposes of the federal income tax.     
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   Health Insurers Offer to Accept All Applicants, on Condition
WASHINGTON — The health insurance industry said Wednesday that it would support a health care overhaul requiring insurers to accept all customers, regardless of illness or disability. But in return, the industry said, Congress should require all Americans to have coverage.     
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   Health Insurance Seminar
Members of the Federation of New York Housing Cooperatives & Condominiums (FNYHC) learned about a newly designed health insurance package offered to them at a discount of 10 percent.     
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   UnitedHealthcare Responds to Swine Flu Concerns
UnitedHealthcare Responds to Swine Flu Concerns As you may have heard, this past weekend, the United States declared a public health emergency in response to the recent reports of swine flu.     
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   N.Y. physician pay deal may hike costs: Experts
NEW YORK—Employers likely will pay more for health care as a result of an agreement reached last week between New York's attorney general and UnitedHealth Group Inc. The agreement will see UnitedHealth spin off its Ingenix Inc. subsidiary's databases used by most of the nation's health insurers and third-party administrators to determine reimbursement rates for out-of-network providers. In a separate agreement, Aetna Inc. agreed to pay $20 million to help fund the new system.     
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