ClaimLinx Now Offers Supplemental Insurance Policies

Tom Quigley, Vice President/National Business Consultant, provides consulting services, and is in charge of recruitment and new business for ClaimLinx.

Today Tom is discussing how ClaimLinx is incorporating supplemental insurance into their product line. The addition of supplemental policies for disability, cancer, accidents, surgery, critical illness/hospital indemnity, to name a few, broadens our scope and provides tax breaks for employers and employees. Monthly premiums are affordable and provide peace of mind should you incur a catastrophic injury or illness. Policies cover what health insurance does not, and with the Affordable Care Act, more and more employers are increasing deductibles and passing on more costs to employees. To find out more about supplemental coverage from ClaimLinx, please contact us at

ClaimLinx is positioning its clients to move in the right direction.

We We can structure benefits in your favor to ensure you are in full compliance with the law without cutting benefits or employees. Please contact us at at or(800) 858-1772 X 25 with your questions. Our new book, “How to Beat Obamacare” is now available on

CVS Pharmacy to Stop Selling Cigarettes

In an effort to become more of a health-care provider, CVS Pharmacy will stop selling cigarettes and tobacco products nationwide, as early as October, 2014.

Although the move is bold and will be expensive for CVS, the drugstore chain is dedicated to moving in a direction that provides basic health services to the millions of newly insured Americans, amid a shortage of primary care doctors. CVS is certain that this strategy will give it an edge over competing pharmacies as they develop important relationships with hospitals, insurers and physician groups.

CVS believes its future lies in creating convenient in-store clinics as an alternative to long waits at primary care doctors’ offices.

Not only is the news a blow to the struggling $100 billion tobacco industry, it will also put major pressure on Walgreen, Rite Aid Corp. and Wal-Mart Stores Inc. to consider following suit.

The unprecedented move by CVS has drawn positive attention from the White House and other government officials. Health and Human Services Secretary Kathleen Sebelius called the CVS move “an unprecedented step in the retail industry.”

Please read the article by Timothy W. Martin and Mike Esterl in its entirety here.

Health Care Reform Law Dodges Bullet

A recent federal court ruling clarified a potentially confusing portion of the Affordable Care Act that relates to employer responsibilities and federal tax subsidies for uninsured workers.

In Halbig v. Sebelius, the federal court ruled that in states where ACA-mandated insurance exchanges are run by the federal government (instead of by the state), employers still have to pay a financial tax penalty if certain employees do not receive insurance, according to an Employee Benefit News article.

Additionally, qualified employees who purchase insurance in state exchanges operated by the federal government can receive tax credits to help pay for their insurance, according to the federal ruling.

At issue in the case was a portion of the ACA, under the Internal Revenue Tax code, that says, “eligible taxpayers may receive income tax credits for purchase of insurance “through an Exchange established by the State” under the portion of the act that allows states to create health insurance exchanges. The language did not mention state exchanges run by the federal government. Currently, there are 27 state exchanges facilitated by the federal government.

The court ruled that, yes, taxpayers can receive credits for purchasing insurance, regardless of whether the exchange was set up by the state or federal government.

Please read the entire article written by Alden J. Bianchi here.

ClaimLinx is proactively ready for the many changes of Health Care Reform.  For more information please visit the Health Care Reform section on our website. For a free brochure, please email Our healthcare exchange is live and you can view it here.

If you have additional questions, please feel free to contact us at 513-677-6262; (800) 858-1772 or – we would be happy to help.

Four Workplace Trends of the Future

Lindsey Pollak, a key note speaker, best selling author and consultant on next-generation career and workplace topics, shares what she believes will be four future workplace trends:

1.  Wellness at Work – 90% of employers are now offering wellness programs.  They are taking care of the health of their employees by offering weight loss programs with incentives; smoking cessation programs, and stress reduction programs, to name a few. In order to attract and retain the best employees, wellness programs are a necessity and no longer a luxury for employers.

2. Degree or not to Degree? – Young people are asking themselves, “Is it really worth it to get a four year college degree?” This stems from the $28-30K student loan debt graduates are carrying. Young people are trying to determine if they can get a good job without a four-year degree, or if they should consider an associates degree, online degree, or community college degree. We may begin to see more incentives from companies to help pay back college loans.

3. iMoms – Although we typically think of millennials as kids, they are quickly reaching the age of 30.  We are now seeing more millennial moms in the work place, as well as more single moms and younger parents. In fact, 46% are responsible for their kids financially.  A Hartford Survey in 2013 revealed that 10% of millennials have parents relying on them financially.

4. Design Mind – Although it may sound superficial, this trend is about how everything looks.  Millennials have been marketed to their entire lives. Thanks to Steve Jobs of Apple, millennials are extremely visual and design savvy. They want to be proud of their company’s brand visually, and expect attractive employment & benefits materials, as well as company communications. Milllenials utilize visual social media outlets such as Facebook, Pinterest, Vine, Instagram and Tumblr.  Look for new product designs to appeal to the visual desires of millennials. Companies who embrace and understand this concept will reap big rewards in the future.

To see the short video by Lindsey Pollak in its entirety, please click here.

Federal and State Healthcare Exchanges Performing Poorly

Tom Quigley, Vice President/National Business Consultant, provides consulting services, and is in charge of recruitment and new business for ClaimLinx.

Today Tom is discussing the poor performance of the Federal and State Healthcare Exchanges and its effect on consumers.

A recent report shows that consumers have been misled and are wasting thousands of dollars on health coverage because the Federal and State exchanges don’t give them the information they need to make the best plan choices. Because of improper structuring, many employees are unable to take advantage of subsidies to offset the costs. The private exchanges have proven to be more successful at meeting consumer needs. Please visit the ClaimLinx Exchange for more information. In addition, ClaimLinx Simple Option Solutions (SOS) offers small businesses a way to lower their costs and take advantage of tax benefits and government subsidies.

ClaimLinx is positioning its clients to move in the right direction. We can structure benefits in your favor to ensure you are in full compliance with the law without cutting benefits or employees.  Feel free to contact Tom at  or (800) 858-1772 X 25 with your questions. Our new book, “How to Beat Obamacare” is now available on