America's Benefit Specialist November 2022

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YOUR INDUSTRY	5
Noteworthy	5
Recent Mergers and Acquisitions	10
How Employers Can Plan for Hybrid Open Enrollment	14
Debunking FSA Myths in Preparation for the Use-It-or-Lose-It Deadline	16
Product News	18
Industry Events	25
People on the Move	26
MEDICARE MATTERS	29
Overview of the Medicare Marketing Final Rule	29
CMS Releases 2023 Medicare Parts A & B Premiums and Deductibles and Income-Related Monthly Adjustment Amounts	30
Milliman: A Healthy 65-Year-Old Would Spend Between $137,000 and $300,000 on Healthcare Costs in Retirement	31
After Congress Fails to Add Dental Coverage, Medicare Weighs Limited Benefit Expansion	32
Medicare Conferences	33
CMS Releases 2023 Medicare Advantage and Part D Star Ratings to Help People with Medicare Compare Plans	33
Medicare Advantage vs. a Medicare Supplement Plan: Helping New Beneficiaries Decide	34
Items and Services Not Covered under Medicare	36
AHIP Study: Medicare Advantage Costs Less than Original Medicare	37
Plan Updates	38
YOUR SALES	45
Voluntary Disruption Why the Direct-Pay Model Is Better for Broker Compensation	45
Note to Self: Four Reasons Your Clients Should Consider Self-Funding	46
The Benefits of Quoting a Level-Funded Plan	48
The Value of Tackling Healthcare Costs for Employers	50
YOUR ASSOCIATION	52
New Infographic	52
Congratulations, Registered Employee Benefits Consultants!	54
Welcome to NAHU	55
NAHU’s Board of Trustees	58
Your NAHU Staff	59
Association Events	60

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