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Personal Insurance

Your personal risk management strategy can have a major impact on your family’s financial bottom line. Gaps in coverage and inadequate liability protection could cost you financially.

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Business Insurance

Risk Resource® is a four-step process utilized by General Insurance Services, Inc. to identify, develop, implement and monitor the risk management strategies for you and your business.

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Health & Life Insurance

There are essentially two kinds of health insurance: Fee-for-Service and Managed Care. Although these plans differ, they both cover an array of medical, surgical and hospital expenses.

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Recommended Compliance Notices


There are a number of Compliance Notices that should be distributed during open enrollment so to help you stay ahead of those items we’ve made a number of documents available in one location.

Medicare Part D Disclosure

Chip Notice

Model Exchange Notice

Summary of Benefits and Coverages

Summary Plan Descriptions

Documents available to download

 

Informational Piece for Employers
Notice for Employees

Medicare Part D Creditable or Non-Creditable Coverage Notice

Covered employees or covered dependents who are enrolled in Medicare may choose to stay on their employer’s group medical plan instead of enrolling in a Medicare Supplement and Part D drug coverage.  An employer must deliver a Notice of Creditable (or Non-Creditable) Coverage to those employees or dependents on Medicare.  Since you may have no way of knowing who may be enrolled in Medicare, there is wisdom in distributing the appropriate notice each year at renewal.  Generally, group medical plans with Copay prescription coverage and HSA-eligible plans with deductibles of $2,500 or less have “Creditable” drug coverage.  Higher deductible plans may not.  Once your renewal plan selection is completed, we will be happy to help you determine which notice is appropriate.

Medicare Part D - Common Questions Definitions 04 21 14.doc

Medicare Part D - Creditable Coverage Disclosure Notices 10 30 14.doc

Medicare Part D - Creditable Coverage Disclosure To CMS Instructions & Screenshots 05-29-2012.pdf

Medicare Part D - Common Questions Notification Requirements 01 28 14.doc
Medicare Part D - Model Creditable Coverage Disclosure Notice (071211).doc

Medicare Part D - Model Non-Creditable Coverage Disclosure Notice (071211).doc

Children’s Health Insurance Plan (CHIP) Notice


Informational Piece for Employers
Notice for Employees

Similar to the Medicare Part D notice in that it doesn’t need to go to everyone (only those with children, grandchildren, etc. who may be eligible for enrollment in a State’s plan), it will not hurt to distribute to all just to make sure that you do not miss getting it to an interested party.  The Model CHIP Notice on our web site is ready for distribution as it is.

CHIP Notice - DOL Model Notice for CHIPRA Premium Assistance Subsidies 11 07 14.doc CHIP Notice - Model Employer 09 29 14.doc

Model Exchange Notice


Informational Piece for Employers
Notice for Employees

Prior to October 1, 2013, employers had to send a written notice about the availability of Health Insurance Exchanges (HIE’s).  After that, distribution was only required for newly hired, regardless of eligibility for any benefit plans—both full-time and part-time. Since this can be posted electronically, you may choose to send it out again just to be certain that all employees have received it at least once.  Our document file contains the Model Exchange Notice for employers both with and without group medical plans, be certain to select the appropriate version.

Model Exchange Notice - HCR Exchange Notice Requirements for Employers 6-12-14.doc Model Exchange Notice - Employers Not Offering Health Plans 12 20 14.doc

Model Exchange Notice - Employers Offering Health Plans 12 20 14.doc

Summary of Benefits and Coverage (SBC)


Informational Piece for Employers
Notice for Employees

As to your SBC, it should be distributed to each participant in their respective plan.  Distribution can be in the form of a pay-stuffer, mailed, e-mailed, or posted on an internal web site so long as all members have access to it and are notified that it is there (i.e. via e-mail).  Each SBC is plan and plan year specific, and we will provide an updated SBC to you once a renewal plan has been chosen.  The two articles here are for information only at this time.

Summary of Benefits and Coverage - HCR 01 12 15.doc

Summary of Benefits and Coverage - HCR FAQs 01 12 15.doc
This will be provided by GIS or the insurance carrier

Summary Plan Description (SPD)


Informational Piece for Employers
Notice for Employees

Much of what needs to be provided in an SPD is covered in the employee’s insurance certificate provided by the insurance company.  The balance of the information that we suggest can be found in the Sample SPD on our web site.  This Sample SPD is designed specifically for use with an existing insured medical plan so there is minimal duplication of the information provided in the insurance company’s Certificate of Coverage.

Summary Plan Description - Plan Designs 52314.doc

Summary Plan Description - Sample Wrap - 09 29 14.doc
This will be provided by a Third Party Administrator (TPA) or legal entity.

Documents to Download


Employee Benefits

Employee Benefit - Compliance Chart Notice and Disclosure Rules 06 11 14.doc
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General Insurance Services
Michigan City
421 Franklin Street
Michigan City, IN 46360
(219) 879-4581
(800) 961-0953
M - F 8am-5pm
General Insurance Services
Valparaiso
4208 Calumet Ave, #100
Valparaiso, IN 46384
(219) 464-3511
(888) 844-8376
M - F 8am - 5pm
General Insurance Services
La Porte
1200 Michigan Ave.
La Porte, IN 46350
(219) 362-2113
(800) 766-4478
M - F 8am - 5pm
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