" 在2020年2种新型可HRAS的 - 咨询| 立博体育官网_首页_Welcome <meta content="提供ESTA文章总结和新的规则和HRA选择比较。它解决了基本要求,报销(无偿和)费用以及如何在新的HRAS适应其他健康效益的选择(例如,保健储蓄账户和补充报道)。" name="description"/> <meta content="Aflac" name="site"/> <meta content="97450" name="asset_id"/> <meta content="2 new types of HRAs available in 2020" name="asset_label"/> <meta content="Secondary Page" name="template_label"/> <meta content="EN" name="page_language"/><meta content="US" name="page_country"/><meta content="all" name="search_show_on_search"/> <meta content="false" name="cp_noindex"/> <meta content="Aflac Supplemental Insurance" itemprop="name"/> <meta content="Aflac provides supplemental insurance for individuals and groups to help pay benefits major medical doesn't cover." itemprop="description"/> <meta content="//www.360jue.com/_global-assets/images/aflac-logo.jpg" itemprop="image"/> <meta content="Aflac Supplemental Insurance" property="og:title"/> <meta content="website" property="og:type"/> <meta content="//www.360jue.com/_global-assets/images/aflac-logo.jpg" property="og:image"/> <meta content="//www.360jue.com/business/resources/advisories/2-new-types-of-hras-available-in-2020.aspx" property="og:url"/> <meta content="Aflac" property="og:site_name"/> <meta content="Aflac provides supplemental insurance for individuals and groups to help pay benefits major medical doesn't cover." property="og:description"/> <meta content="summary" name="twitter:card"/> <meta content="@Aflac" name="twitter:site"/> <meta content="Aflac Supplemental Insurance" name="twitter:title"/> <meta content="Aflac provides supplemental insurance for individuals and groups to help pay benefits major medical doesn't cover." name="twitter:description"/> <meta content="//www.360jue.com/_global-assets/images/aflac-logo.jpg" name="twitter:image"/> <link href="//www.360jue.com/business/resources/advisories/2-new-types-of-hras-available-in-2020.aspx" hreflang="en-US" rel="alternate"/> <link href="//www.360jue.com/_global-assets/css/master.css" rel="stylesheet" type="text/css"/> <link href="//www.360jue.com/_global-assets/css/master_cp.css" rel="stylesheet" type="text/css"/> <link href="//www.360jue.com/_global-assets/dagger/nav/css/nav_2019_simple.css" rel="stylesheet" type="text/css"/> <link disabled="" href="//www.360jue.com/_Global-Assets/css/high_contrast.css" id="high_contrast_style" rel="stylesheet" type="text/css"/> <script type="text/javascript"> var tranzTime = '12/5/2019 4:53:57 PM'; 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} .test-w_contact-lightbox-individuals .info-section { position: initial; width: auto; } .test-w_contact-lightbox-individuals .info-section .top { padding: 38px 21px 0px; } .test-w_contact-lightbox-individuals { width: 100%; height: 100%; margin-top: auto; margin-left: auto; position: fixed; top: 0; left: 0; overflow-y: scroll; -webkit-overflow-scrolling: touch; } .form-bg { float: none; min-width: auto; padding: 0 20px; margin: 20px 0 0px; max-width: unset; text-align: center; } a.clear-date-time.textlink { margin: 30px 0 30px 0; display: inline-block; text-decoration: underline; margin-left: auto; } /*mobile */ .close-bg { width: 57px; height: 54px; position: absolute; top: 0px; right: 0px; background: none; } .test-w_contact-lightbox-individuals .close::after { content: ""; width: 30px; height: 30px; background: url(//www.360jue.com/_global-assets/images/icons/close-3b.png) 0px 0px no-repeat; cursor: pointer; display: block; width: 28px; height: 24px; position: relative; top: -11px; left: 11px; background: url(//www.360jue.com/_global-assets/images/sprites/layout/sprites-sfd5c0480fb.png) 6px -622px no-repeat; } .test-w_contact-lightbox-individuals .close { background: none; width: 100%; height: 100%; } .test-w_contact-lightbox-individuals .dropdown-box, .test-w_contact-lightbox-individuals .time-dropdown { margin-bottom: 10px; width: 97%; } .form-main-bg .raq-complete-panel { float: left; width: 100%; } .test-w_contact-lightbox-individuals .close:active:after { content: ""; filter: invert(1); } .close-bg:active { background: #fff; } } </style> <script id="test-contact-lightbox-individuals-tpl" type="text/html"> <div class="test-w_contact-lightbox-individuals"> <div class="form-main-bg"> <div class="close-bg"><button type="button" class="close">close</button></div> <div class="sidebar-bg"> <div class="info-section"> <div class="top"> <h6>请求报价</h6> <p>Aflac is insurance that pays cash benefits, to help pay for things that major medical may not cover.</p> </div> <div class="middle"> Fill out our <strong>Contact Form</strong> and we'll call you <em>or</em> Call Us now at <a href="tel:800.992.3522">800.992.3522</a> </div><a class="manage-account" href="//my.aflac.com/portal/server.pt?open=512&objID=639&mode=2" target= "_blank">Manage My Policy</a> </div> </div> <div class="form-bg"> <div class="legend"> Provide your information so an Aflac agent can reach you. </div> <form method="post"> <input name="offering" type="hidden" value="Individual"> <input name="language" type="hidden" value="English" /> <div class="contact-fields"> <div class="flex_columns"> <div class="flex_2col"> <span class="input-text firstname" data-manual="1"><input name="firstname" title="First Name" class="required" id= "firstname" type="text" maxlength="150" placeholder="First Name *"></span> </div> <div class="flex_2col"> <span class="input-text lastname" data-manual="1"><input name="lastname" title="Last Name" class="required" id= "lastname" type="text" maxlength="150" placeholder="Last Name *"></span> </div> <div class="clearfloat"></div> </div> <div class="flex_columns"> <div class="flex_2col"> <span class="input-text phone" data-manual="1"><input name="phone" title="Phone Number" class="required" id= "phone" type="tel" maxlength="12" placeholder="Phone Number *"></span> </div> <div class="flex_2col"> <span class="input-text zipcode" data-manual="1"><input name="zipcode" title="Zip Code" class="required" id= "zipcode" type="tel" maxlength="5" placeholder="Zip Code *"></span> </div> <div class="clearfloat"></div> </div> <div class="flex_columns"> <div class="flex_2col"> <span class="input-text email" data-manual="1"><input name="email" title="Email" class="required" id="email" type= "email" maxlength="255" placeholder="Email *"></span> </div> <div class="flex_2col"> <div class="requirement-info"> * fields are required </div> <ul class="misc"> <li> <p>Would you like an Aflac agent to call asap?</p><label class="checkbox"><input name="yesmeet" type= "checkbox"> Yes</label> <label class="checkbox"><input name="nomeet" type="checkbox"> No</label> </li> </ul> </div> <div class="clearfloat"></div> </div> </div> <div class="form_progress"></div> <div class="contact-time-selection" style="display: none;"> <div class="tabs"> <div class="flex_columns"> <div class="tab"> <input class="now-date" name="date" type="hidden"> <input class="now-time" name="time" type="hidden"> <input class="now-contact-me-type" name="contactMeType" type="hidden"> <div class="eta"> Press submit for an Aflac agent to call you <span class="value">within 15 minutes</span> </div> </div> <div class="tab"> <div class="divider-container"> <div class="divider"></div> <div class="divider-text"> or </div> <div class="divider" style="right: 0%;"></div> </div> <input class="now-contact-me-type" name="contactMeType" type="hidden"> <p class="later-info">If you need to schedule another time for a call, <span>select a date and time that works with your schedule below:</span></p> <div class="dropdown-row"> <div class="dropdown-box date-dropdown" data-manual="1" data-scroll-threshold="4"> <div class="dropdown-title"> <p>Select a Day</p> </div><select name="date"> </select> </div> <div class="time-dropdown-box time-dropdown" data-manual="1"> <div class="dropdown-title"> <p>Select Time</p> </div><select name="time"> </select> </div> </div><a href="#" class="clear-date-time textlink">Reset Date & Time Selection</a> </div> </div> </div> </div> <div class="flex_columns" style=" /* display: none; */"> <input class="textbutton is-blue submit" type="submit" value="Submit"> <div class="clearfloat"></div> </div> <p style="font-size: 13px;line-height: 100%;margin: 15px 0 14px;">By hitting submit, I agree to receive autodialed calls, to include scheduling reminders, and texts from Aflac, an independent contractor Aflac associate, and an Aflac Partner, such as Sutherland Global 服务 or 明确 Link Insurance Agency, LLC working at Aflac's request, at the number provided. Message and data rates may apply. Carriers 不是 liable for delayed or undelivered messages. I understand I may also receive text messages about the status of my Aflac application and am not required to provide my consent as a condition of accessing Aflac's website or purchasing Aflac's products.</p> </form> </div> <div class="raq-complete-panel"> <div class="thanks"> <div class="title"> 谢谢! </div> <p>An Aflac agent will call you<br> <span class="eta">within 15 minutes.</span></p> </div> <div class="info"> <p>你确认号码 <span class="number"></span>.</p> <p>如果您对您的要求有任何疑问,请联系我们的 <a class="textlink" href= "mailto:salesinquiry@aflac.com">salesinquiry@aflac.com</a></p> <p>请提供参考上面列出您的确认号。</p> </div><!-- START OF SUTHERLAND CHANGES --> <div id="aflac-connect" class="chat-launcher"> <p class="launcher-text">START NOW</p> </div><!--<div id="locl-messenger"></div>--> <!-- END OF SUTHERLAND CHANGES --> </div> <div class="clearfloat"></div> </div> </div> </script> <script id="contact-lightbox-individuals-tpl" type="text/html"> <div class="w_contact-lightbox-individuals"> <div class="lightbox-content"> <div class="info-section"> <div class="top"> <h6>请求报价</h6> <p>Aflac is insurance that pays cash benefits, to help pay for things that major medical may not cover.</p> </div> <div class="middle"> Fill out our <strong>Contact Form</strong> and we'll call you <em>or</em> Call Us now at <a href="tel:800.992.3522">800.992.3522</a> </div> <a class="manage-account" href="//my.aflac.com/portal/server.pt?open=512&objID=639&mode=2" target="_blank">Manage My Policy</a> </div> <div class="form-section"> <ol class="progress-indicator"> <li class="is-current">1. Contact Information</li> <li>2. Call time</li> </ol> <a class="close" href="#">关</a> <div class="raq-form-panel"> <div class="form-steps"> <form action="#" method="POST"> <input name="offering" type="hidden" value="Individual"> <input name="language" type="hidden" value="English" /> <fieldset class="form-step interests"> <div class="legend">Please select at least one Aflac insurance product.</div> <p>我感兴趣的是:</p> <ul class="interest-list"> <li> <div class="checkbox-holder"> <label class="checkbox has-orange-fg" data-manual="1"> <input name="offering_1" type="checkbox" value="Accident"> Accident</label> </div> </li> <li> <div class="checkbox-holder"> <label class="checkbox has-orange-fg" data-manual="1"> <input name="offering_2" type="checkbox" value="Cancer/Specified-Disease"> Cancer/Specified-Disease</label> </div> </li> <li> <div class="checkbox-holder"> <label class="checkbox has-orange-fg" data-manual="1"> <input name="offering_3" type="checkbox" value="Critical Care and Recovery"> Critical Illness</label> </div> </li> <li> <div class="checkbox-holder"> <label class="checkbox has-orange-fg" data-manual="1"> <input name="offering_4" type="checkbox" value="Dental"> Dental</label> </div> </li> <li> <div class="checkbox-holder"> <label class="checkbox has-orange-fg" data-manual="1"> <input name="offering_5" type="checkbox" value="Juvenile Life"> Juvenile Life</label> </div> </li> </ul> </fieldset> <fieldset class="form-step contact-info" data-di-form-track data-di-form-id="individuals-form-contact-info"> <div class="legend">Provide your information so an Aflac agent can reach you.</div> <div class="form-fields"> <div class="row"> <span class="input-text firstname" data-manual="1"> <input name="firstname" type="text" placeholder="First Name" title="First Name"> </span> <span class="input-text lastname" data-manual="1"> <input name="lastname" type="text" placeholder="Last Name" title="Last Name"> </span> </div> <div class="row"> <span class="input-text phone" data-manual="1"> <input name="phone" type="tel" placeholder="Phone" title="Phone"> </span> <span class="input-text zipcode" data-manual="1"> <input name="zipcode" type="tel" placeholder="ZIP Code" title="ZIP Code"> </span> </div> <div class="row"> <span class="input-text email" data-manual="1"> <input name="email" type="email" placeholder="Email" title="Email"> </span> </div> </div> <p style="margin-bottom: 10px">各个领域都需要。</p> <!--<p style="font-size: 10px; line-height: 12px;">By hitting submit, I agree to receive autodialed calls, to include scheduling reminders, and texts from Aflac, an independent contractor Aflac associate, and an Aflac Partner, such as Sutherland Global 服务 or 明确 Link Insurance Agency, LLC working at Aflac’s request, at the number provided. Message and data rates may apply. Carriers 不是 liable for delayed or undelivered messages. I understand I may also receive text messages about the status of my Aflac application and am not required to provide my consent as a condition of accessing Aflac’s website or purchasing Aflac’s products.</p>--> </fieldset> <fieldset class="form-step call-time" data-di-form-track data-di-form-id="individuals-form-call-time"> <div class="legend">Your preferred call time</div> <p class="available"> Monday - Friday <strong id="mf-start-time">8:00 AM</strong> to <strong id="mf-end-time">11:00 PM</strong> ET<br> Saturday & Sunday <strong id="sat-start-time">10:00 AM</strong> to <strong id="sat-end-time">6:00 PM</strong> ET<br> <!--Aflac will be open on January 21, 2019 from 8:00 AM - 8:30 PM.--> </p> <div class="call-options"> <ul class="tab-nav"> <li><a href="#">Call me now</a></li> <li><a href="#">Call me later</a></li> </ul> <div class="tabs"> <div class="tab"> <input class="now-date" name="date" type="hidden"> <input class="now-time" name="time" type="hidden"> <input class="now-contact-me-type" name="contactMeType" type="hidden"> <div class="current-time"> Current time: <span class="value"></span> </div> <div class="eta"> An Aflac agent will call you <span class="value">within 15 minutes</span> </div> </div> <div class="tab"> <input class="now-contact-me-type" name="contactMeType" type="hidden"> <p class="later-info"> Select a date and time you'd like to be<br> contacted by an Aflac agent. </p> <div class="dropdown-row"> <div class="dropdown-box date-dropdown" data-manual="1" data-scroll-threshold="4"> <div class="dropdown-title"> <p>Select a Day</p> </div> <select name="date"> </select> </div> <div class="time-dropdown-box time-dropdown" data-manual="1"> <div class="dropdown-title"> <p>Select Time</p> </div> <select name="time"> </select> </div> <div class="requirement-info">各个领域都需要。</div> </div> </div> </div> </div> <div class="form-disclaimer"> <p>By hitting submit, I agree to receive autodialed calls, to include scheduling reminders, and texts from Aflac, an independent contractor Aflac associate, and an Aflac Partner, such as Sutherland Global 服务 or 明确 Link Insurance Agency, LLC working at Aflac’s request, at the number provided. Message and data rates may apply. Carriers 不是 liable for delayed or undelivered messages. I understand I may also receive text messages about the status of my Aflac application and am not required to provide my consent as a condition of accessing Aflac’s website or purchasing Aflac’s products.</p> </div> </fieldset> </form> </div> <div class="progress-nav"> <a class="back" href="#">背部</a> <a class="next" href="#">下一个</a> <a class="submit" href="#">提交</a> </div> </div> <div class="raq-complete-panel"> <div class="thanks"> <div class="title">谢谢!</div> <p> An Aflac agent will call you<br> <span class="eta">within 15 minutes.</span> </p> </div> <div class="info"> <p>你确认号码 <span class="number"></span>.</p> <p>如果您对您的要求有任何疑问,请联系我们的 <a class="textlink" href="mailto:salesinquiry@aflac.com">salesinquiry@aflac.com</a></p> <p>请提供参考上面列出您的确认号。</p> </div> </div> <!-- START OF SUTHERLAND CHANGES --> <div id="aflac-connect" class="chat-launcher"> <p class="launcher-text">START NOW</p> <i class="fas fa-comments"></i> </div> <!--<div id="locl-messenger"></div>--> <!-- END OF SUTHERLAND CHANGES --> </div> </div> </div> </script> <script> (function(){ //start anon var allowed = false; var allowedPages = ["agents"]; for(var i=0; i < location.pathname.split("/").length; i++){ for (var x=0; x < allowedPages.length; x++){ if(location.pathname.split("/")[i] === allowedPages[x] && i < 2){ allowed = true; } } } if(allowed){ require(['/_global-assets/js/common.js'], function(common) { require(['local-agent-require']); }); } })(); </script> <script id="contact-lightbox-local-agents-tpl" type="text/html"> <div class="w_contact-lightbox-local-agents"> <div class="lightbox-content"> <div class="info-section"> <div class="top header-only"> <h6>Local 代理 Form</h6> </div> <!-- <div class="middle bottom-aligned"> Fill out the form and we’ll contact you. <a href="tel:800.992.3522">800.992.3522</a> </div>--> </div> <div class="form-section"> <a class="close is-grey" href="#">关</a> <div class="form-panel"> <form method="POST"> <div class="form-steps"> <div class="form-step getting-started" style="display: block;"> <form action="" method="POST"> <div class="legend"> Please select at least one of the options below to continue: </div> <div class="form-fields"> <div id="individualsproductsonly"> <p><a class="textlink" href="/individuals/default.aspx">了解更多关于个别政策。</a> <br>随着公司比三个少的员工,请看看我们的个人和家庭的覆盖面。 <a class="textlink" href="/individuals/default.aspx">学到更多。</a> </p> </div> <div class="captioned-list"> <p>我感兴趣的是:</p> <ul> <li> <label class="checkbox" data-manual="1"><input name="b2c" type="checkbox" value="individual"> 覆盖率为自己</label> </li> <li> <label class="checkbox" data-manual="1"><input name="b2b" type="checkbox" value="business"> Coverage for Employees</label> </li> <li> <label class="checkbox" data-manual="1"><input name="agents" type="checkbox" value="agent"> Become an Agent</label> </li> </ul> </div> <!-----END PREQUAL-----> </div> <p class="required-legend"> 各个领域都需要。 </p> </form> </div> <div class="form-step contact-info"> <form action="/url_to_post_to" method="POST"> <input type="hidden" name="language" value="EN"> <input type="hidden" name="marketing_program_id" value=""> <div class="form-fields"> <div id="name" class="row two-part"> <span class="input-text name" data-manual="1"><input name="first_name" type="text" placeholder="First Name*" title="First Name*"> </span> <span class="input-text" data-manual="1"><input name="last_name" type="text" placeholder="Last Name*" title="Last Name*"> </span> </div> <div id="address" class="row two-part"> <span class="input-text address" data-manual="1"> <input style="width: 423px" name="address" type="text" placeholder="Address*" title="Address*"> </span> </div> <div class="row three-part"> <span class="input-text zipcode" data-manual="1"><input name="zipcode" type="tel" placeholder="ZIP Code*" title="ZIP Code*"> </span> <span class="input-text phone" data-manual="1"><input name="phone" type="tel" placeholder="Phone*" title="Phone*"> </span> <span class="input-text email" data-manual="1"><input name="email" type="email" placeholder="Email*" title="Email*"> </span> </div> <div id="count" class="row two-part"> <span class="input-text company" data-manual="1"><input name="company" type="text" placeholder="Company Name*" title="Company Name*"> </span> <div class="dropdown-container"> <div class="dropdown-box" data-char-limit="30" data-scroll-threshold="6" data-highlight-submit=""> <div class="dropdown-title"> <p>员工数*</p> </div> <select name="employee_count"> <option value="2">少于3</option> <option value="24">3 - 24</option> <option value="99">25-99</option> <option value="499">100-499</option> <option value="999">500-999</option> <option value="1000">1000+</option> </select> </div> </div> </div> <div id="contact" class="row"> <div class="dropdown-container style=" width: 423px ""> <div class="dropdown-box" data-char-limit="30" data-scroll-threshold="2" data-highlight-submit=""> <div class="dropdown-title"> <p>Contact</p> </div> <select name="call_time"> <option value="daytime">Daytime</option> <option value="nighttime">Nighttime</option> </select> </div> </div> </div> <ul id="spanish" class="misc"> <li> <label class="checkbox has-orange-fg"> <input type="checkbox" name="spanish">I'm proficient in Spanish</label> </li> </ul> <div id="interested" class="captioned-list"> <p>我感兴趣的是:</p> <span style=" font-size: 12px; font-family: proximanovaregular; display: block; margin: 10px 0 7px 0; ">选择所有符合条件的</span> <ul> <li> <div class="checkbox-holder"><label class="checkbox" data-manual="1"><input name="w_option_1" type="checkbox" value="Accident"> Accident</label> </div> </li> <li> <div class="checkbox-holder"><label class="checkbox" data-manual="1"><input name="w_option_2" type="checkbox" value="Cancer"> Cancer</label> </div> </li> <li> <div class="checkbox-holder"><label class="checkbox" data-manual="1"><input name="w_option_3" type="checkbox" value="Dental"> Dental</label> </div> </li> </ul> </div> <p class="required-legend"> *必须填写 </p> <p class="required-legend" style="font-size: 10px; line-height: 12px;"> By hitting "提交" Button I agree to receive autodialed calls and texts from Aflac, independent contractors acting on Aflac’s behalf, and third parties acting on Aflac’s behalf, including but not limited to Five9 at the number I have provided. Messages and data rates may apply. I understand that I am not required to provide my consent as a condition of accessing Aflac’s website, purchasing any product or receiving any Aflac services. </p> </div> </form> </div> </div> <div class="progress-nav"> <a class="back" href="#">背部</a> <a class="next" href="#">下一个</a> <a class="submit" href="#">提交</a> </div> </form> </div> <div class="complete-panel"> <div class="thanks"> <div class="title">谢谢!</div> <p> 一个立博体育代表将与您联系。 </p> </div> <!-- <div class="info"> <!-- <p> 你确认号码 <span class="number"></span>. </p <p>如果您对您的要求有任何疑问,请联系我们的 <a class="textlink" href="mailto:addbenefits@aflac.com">addbenefits@aflac.com</a></p> <p>请提供参考上面列出您的确认号。</p> </div> <div class="progress-nav"> <a href="" class="next">View 制品</a> </div> --> </div> </div> </div> </div> </script> <script id="contact-lightbox-agents-tpl" type="text/html"> <div class="w_contact-lightbox-agents"> <div class="lightbox-content"> <div class="info-section"> <div class="top header-only"> <h6>Apply Now</h6> </div> <div class="middle bottom-aligned"> </div> </div> <div class="form-section"> <a class="close is-grey" href="#">关</a> <div class="form-panel"> <form method="POST"> <div class="form-fields"> <div class="row two-part"> <span class="input-text" data-manual="1"> <input name="firstname" type="text" placeholder="First Name*" title="First Name*"> </span> <span class="input-text" data-manual="1"> <input name="lastname" type="text" placeholder="Last Name*" title="Last Name*"> </span> </div> <div class="row three-part"> <span class="input-text zipcode" data-manual="1"> <input name="zipcode" type="tel" placeholder="ZIP Code*" title="ZIP Code*"> </span> <span class="input-text phone" data-manual="1"> <input name="phone" type="tel" placeholder="Phone*" title="Phone*"> </span> <span class="input-text" data-manual="1"> <input name="email" type="email" placeholder="Email*" title="Email*"> </span> </div> <div class="row"> <div class="dropdown-box date-dropdown" data-manual="1" data-scroll-threshold="5"> <div class="dropdown-title"> <p>How did you hear about us?*</p> </div> <select name="referer" id="referer"> <option value="V">Aflac.com</option> <option value="M">Career Builder</option> <option value="F">Career Fair</option> <option value="G">College Campus Recruiting</option> <option value="1">CareerCo</option> <option value="JB">Glassdoor</option> <option value="K">Google</option> <option value="X">Indeed</option> <option value="5">Monster</option> <option value="P">Online Advertisement </option> <option value="R">Print Advertisement </option> <option value="A">Referral/Nomination</option> <option value="2">Simply Hired</option> <option value="8">Social Media</option> <option value="C">TV Ad</option> </select> <input type="hidden" name="subscriberIdList" value="*=15584|NY=16082"></input> </div> </div> <div class="row"> <span class="input-text" data-manual="1"> <input name="agentnumber" type="text" placeholder="Referring Agent's Number" title="Referring Agent's Number"> </span> </div> <div class="row two-part resume_section"> <!-- <input type="button" class="textbutton is-orange resume upload_resume" value="Upload Resume" />--> <input type="hidden" class="filename" name="filename"/> <input type="hidden" class="fileextension" name="fileextension"/> <input type="hidden" class="filedata" name="filedata"/> <label class="resume_button main_form_resume"> UPLOAD RESUME <input type="file" class="resume_file hidden" accept=".doc,.docx,.txt,.pdf,.rtf,.odt,.wps"/> </label> <label class="resume_label main_form_resume"> No file selected </label> </div> <ul class="misc"> <li> <label class="checkbox has-orange-fg"><input type="checkbox" name="spanish"/> I'm proficient in Spanish</label> </li> <li> I'm over 18 <label class="checkbox"><input type="checkbox" name="over18"/> Yes<span class="ipad-hitfield"></span></label> <label class="checkbox"><input type="checkbox" name="notover18"/> No<span class="ipad-hitfield"></span></label> </li> </ul> </div> <p class="required-legend"> *必须填写 </p> <div class="progress-nav"> <a class="submit" href="#">提交</a> </div> </form> </div> <div class="complete-panel"> <div class="thanks"> <div class="title">谢谢!</div> <p> You will be contacted soon by one of our Aflac coordinators. </p> </div> <div class="info"> <p> Questions? Email us at <a class="textlink" href="mailto:whyaflac@aflac.com">whyaflac@aflac.com</a> </p> </div> </div> </div> </div> </div> </script> <script id="contact-lightbox-employers-tpl" type="text/html"> <div class="w_contact-lightbox-employers"> <div class="lightbox-content"> <div class="info-section"> <div class="top"> <h6 class="has-subtitle">Offer Aflac <br> <span class="is-smaller">to your employees</span></h6> <p><strong>Aflac policies are 100% employee-paid.</strong> </p> <p>Companies choose to make Aflac policies available to increase benefits options without impacting their bottom line. </p> </div> <div class="middle"> <p>Fill out our <strong>Contact Form</strong> and we'll call you <em>or</em> Call Us now at <a href="tel:855.502.3522">855.502.3522</a></p> </div> <!--<div class="bottom"> <a class="customer-support" href="#">Customer support <br><span class="is-smaller">for existing customers</span></a> </div>--> </div> <div class="form-section"> <ol class="progress-indicator"> <li class="is-current">1. Getting Started</li> <li>2. Contact Information</li> </ol> <a class="close" href="#">关</a> <div class="form-panel"> <div class="form-steps"> <div class="form-step getting-started" data-di-form-track data-di-form-id="business-form-prequalification"> <form action="" method="POST"> <div class="legend"> 请提供以下信息,关于你的公司。 </div> <div class="form-fields"> <div id="individualsproductsonly"> <p><a class="textlink" href="/individuals/default.aspx">了解更多关于个别政策。</a><br> 随着公司比三个少的员工,请看看我们的个人和家庭的覆盖面。 <a class="textlink" href="/individuals/default.aspx">学到更多。</a></p> </div> <div class="row two-part"> <div class="dropdown-box" data-manual="1" data-scroll-threshold="5"> <div class="dropdown-title"> <p>员工数</p> </div> <select name="employeecount"> <option value="2">少于3</option> <option value="24">3 - 24</option> <option value="99">25-99</option> <option value="499">100-499</option> <option value="999">500-999</option> <option value="1000">1000+</option> </select> </div> <span class="input-text" data-manual="1"> <input name="business" type="text" placeholder="Business Name" title="商业 Name"> </span> </div> <div class="captioned-list"> <p>我感兴趣的是:</p> <span style="font-size: 12px; font-family: proximanovaregular; display: block; margin: 10px 0 7px 0;">选择所有符合条件的</span> <ul> <li> <label class="checkbox" data-manual="1"> <input name="b2c" type="checkbox" value="b2c"> 覆盖率为自己</label> </li> <li> <label class="checkbox" data-manual="1"> <input name="b2b" type="checkbox" value="b2b"> 米覆盖率为员工</label> </li> <input name="findout" type="hidden" value="Find best option" /> </ul> <!-----END PREQUAL-----> </div> </div> <p class="required-legend"> 各个领域都需要。 </p> </form> </div> <div class="form-step contact-info" data-di-form-track data-di-form-id="business-form-contact-info"> <form action="/url_to_post_to" method="POST"> <input type="hidden" name="language" value="EN"> <input type="hidden" name="marketing_program_id" value=""> <div class="legend"> Please provide us with your direct business contact information. </div> <div class="form-fields"> <div class="row two-part"> <span class="input-text" data-manual="1"> <input name="firstname" type="text" placeholder="First Name*" title="First Name*"> </span> <span class="input-text" data-manual="1"> <input name="lastname" type="text" placeholder="Last Name*" title="Last Name*"> </span> </div> <div class="row two-part"> <span class="input-text phone" data-manual="1"> <input name="phone" type="tel" placeholder="Phone*" title="Phone*"> </span> <span class="input-text ext" data-manual="1"> <input name="ext" type="tel" placeholder="Ext." title="Ext."> </span> <span class="input-text zipcode" data-manual="1"> <input name="zipcode" type="tel" placeholder="ZIP Code*" title="ZIP Code*"> </span> </div> <div class="row"> <span class="input-text" data-manual="1"> <input name="email" type="email" placeholder="Email*" title="Email*"> </span> </div> <ul class="misc"> <li> <label class="checkbox" data-manual="1"> <input name="add" type="checkbox"> 目前我提供立博体育,并希望增加更多的政策。</label> </li> <!--<li> <label class="checkbox" data-manual="1"><input name="news" type="checkbox"> I'd like to receive the latest Aflac new and insights.</label> </li>--> </ul> </div> <p class="required-legend" style="margin-bottom: 10px;"> *必须填写 </p> <p class="required-legend" style="font-size: 10px; line-height: 12px;"> 通过点击“提交”我同意接收来自立博体育 autodialed电话和短信,立博体育独立承包商代表行事上的,以及代表立博体育的第三方合作伙伴,但在我所提供的数量不限,包括Five9。消息和数据传输费用五月。我明白,我不需要为访问立博体育网站的条件提供本人的同意,在购买任何产品或接受任何立博体育服务。 </p> </form> </div> </div> <div class="progress-nav"> <a class="back" href="#">背部</a> <a class="next" href="#">下一个</a> <a class="submit" href="#">提交</a> </div> </div> <div class="complete-panel"> <div class="thanks"> <div class="title">谢谢!</div> <p> 一个立博体育代表将与您联系。 </p> </div> <div class="info"> <p> 你确认号码 <span class="number"></span>. </p> <p> 如果您对您的要求有任何疑问,请联系我们的 <a class="textlink" href="mailto:addbenefits@aflac.com">addbenefits@aflac.com</a></p> <p>请提供参考上面列出您的确认号。</p> </div> <div class="progress-nav"> <a href="" class="next">View 制品</a> </div> </div> </div> </div> </div> </script> <script id="contact-lightbox-brokers-tpl" type="text/html"> <div class="w_contact-lightbox-brokers"> <div class="lightbox-content"> <div class="info-section"> <div class="top header-only"> <h6>Partner with Aflac</h6> </div> <div class="middle bottom-aligned"> Fill out the form and we’ll contact you. <a href="tel:800.992.3522">800.992.3522</a> </div> </div> <div class="form-section"> <a class="close is-grey" href="#">关</a> <div class="form-panel"> <form method="post"> <div class="form-fields"> <div class="row two-part"> <span class="input-text" data-manual="1"> <input name="full_name" type="text" placeholder="Your Name" title="Your Name*"> </span> <span class="input-text" data-manual="1"> <input name="company_name" type="text" placeholder="Broker/Company" title="Broker/Company*"> </span> </div> <div class="row"> <span class="input-text" data-manual="1"> <input name="email_address" type="email" placeholder="Email" title="Email*"> </span> </div> <!-- <div class="row"> <span class="input-text" data-manual="1"> <input name="address_line_1" type="text" placeholder="Address" title="Address*"> </span> </div> --> <div class="row two-part"> <span class="input-text zipcode" data-manual="1"> <input name="zipcode" type="tel" placeholder="ZIP Code" title="ZIP Code*"> </span> <span class="input-text phone" data-manual="1"> <input name="phone_number" type="tel" placeholder="Phone" title="Phone*"> </span> </div> <!-- Original location of email --> <!-- <div class="row"> <span class="input-text" data-manual="1"> <input name="email_address" type="text" placeholder="Email" title="Email*"> </span> </div> <div class="row"> <span class="textarea"> <textarea name="email_message" placeholder="Email Message"></textarea> </span> </div> </div>--> <p>我感兴趣的是:</p> <ul class="interest-list"> <li> <div class="checkbox-holder"> <label class="checkbox" data-manual="1"> <input name="w_option_1" value="Expanding my current voluntary portfolio" type="checkbox"> Expanding my current voluntary portfolio</label> </div> </li> <li> <div class="checkbox-holder"> <label class="checkbox" data-manual="1"> <input name="w_option_2" value="Offering voluntary policies" type="checkbox"> Offering voluntary policies</label> </div> </li> <li> <div class="checkbox-holder"> <label class="checkbox on-lightbox" data-manual="1"> <input name="w_option_3" value="Getting a Wingman in my office" type="checkbox" id="wingman_tip"> Getting a Wingman in my office</label> </div> </li> </ul> <!-- <div style="display: none" class="w_infobox-popup tool-tip lightbox"><div class="box"><div class="title">What is a Wingman?</div><div class="message">An experienced voluntary expert right in your office – at no cost to you.</div></div></div> --> <!-- <p class="required-legend"> //* Indicates required field </p>--> <!-- <label class="checkbox has-orange-fg" data-manual="1"><input name="optin" type="checkbox"> Opt-in to the latest news and insights</label> --> <p class="required-legend"> 各个领域都需要。 </p> <div class="progress-nav"> <input class="submit" type="submit" value="Submit" /> </div> <input name="WcoFormId" type="hidden" value="8ba8b49c-29ee-4c3b-af17-362ddb9795cf" /> </div> </form> </div> <div class="complete-panel"> <div class="thanks"> <div class="title">谢谢!</div> <p> Your message has been successfully sent. </p> </div> </div> </div> </div> </script> <script id="customer-support-lightbox-tpl" type="text/html"> <div class="w_customer-support-lightbox"> <div class="lightbox-content"> <div class="form-section"> <a class="close is-grey" href="#">close</a> <div class="form-panel"> <h6>Customer Support</h6> <p> Fill out this <strong>联系表</strong> </p> <div class="form-fields"> <form name="custSupportForm" action="" method="post"> <input name="WcoFormId" type="hidden" value="" /> <div class="row two-part"> <span class="input-text" data-manual="1"> <input name="first_name" type="text" placeholder="First Name*" title="First 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          最终规则之前消除对雇主选择在一个新的时代的HRA和限制迎来

          By: Carolyn E. Smith and John R. Hickman, Alston & Bird LLP

          响应王牌总统的行政命令扩大医疗报销安排(小时),劳动,财政,卫生和人类服务部(以下简称“三部门”)的部门近日发布万众瞩目的结束HRA规则。这些规则扩大的方式HRAS可能极大通过创建两个新类型HRAS的加强对缴费确定型医疗保险的可能性,这将可开始在一月或后计划年1,2020年,这些选项,单个覆盖HRAS(ichras)和例外益处HRAS(ebhras)以前不允许的。用人单位大大小小的可以利用新的HRAS的优势。雇主会发现小新ichras要比合格的小雇主HRAS(qsehras)更柔软。例如,保护雇主ichras的灵活性来提供补充的覆盖范围除了ichra。

          提供ESTA文章总结和新的规则和HRA选择比较。它解决了基本要求,报销(无偿和)费用以及如何在新的HRAS适应其他健康效益的选择(例如,保健储蓄账户和补充报道)。新规则是广泛的,这里不能包含讨论的细节。


          背景


          HRAS是一种缴费确定型团体健康计划,完全由雇主资助。因此,员工捐款 - 无论之前还是税后 - 是不允许的。每年,用人单位确定可用来支付通过医疗HRA做出开支的数额。有资格报销开支,包括医疗保险费某些医疗和出的自付费用不是由保险支付。从HRA的医疗费用报销不纳税。如果HRA允许下,在今年年底未使用量可结转并用来偿还在以后的几年医疗费用(包括退休后)。

          平价医疗法案(ACA)颁布后,三机构的规则限制,可以提供给在职职工HRAS的类型。只允许提供HRAS三机构规则集成雇主其他(非HRA)团体健康计划的覆盖范围。因此,资金HRA无法单独支付医疗保险市场。旧三机构指南也禁止雇主从提供的HRA员工中谁没有HRA非组覆盖就读。注:这些限制并不适用于只是退休人员HRAS,因为只有退休人员健康计划不受ACA。

          国会通过创建小雇主HRAS(qsehras)提供从早期ESTA三机构资格指导一些缓解。通过对qsehra,小老板(一般少于50雇主全职员工当量),可以帮助员工支付单覆盖市场。然而,qsehra规则有些复杂,限制用人单位的灵活性,所以他们不是很受雇主。另请参阅: qsehras的一般性讨论.

          快进到十月。 12 2017年发行时的执行总裁王牌为了体现出对这里的新观点和指导三部门发布新的指导扩展到HRAS访问。规则扭转近期结束的指导和创建早些时候两种新型HRAS的,提供给雇主的任何尺寸:个人保险HRAS HRA和除外的利益。


          2种新型HRAS的


          个人保险健康偿付安排(ichras)

          是什么,不被认为是合格的单一市场覆盖面?

          有资格的ichra,一个人必须在排位赛单市场覆盖率进行注册。 ESTA包括开启或关闭购买交换覆盖这里,祖父覆盖和grandmothered(或“过渡”)的覆盖范围,和医疗。在另一方面,短期限期保险(stldi)和覆盖范围只包括除外好处(例如,牙科,视力,规定病) 不是 认为符合条件的单一市场覆盖面。

          什么被认为是一个传统的团体健康计划?

          传统组健康计划指除了(1)的HRA或其他帐户基或计划(2)计划仅由例外的好处(例如,指定的疾病覆盖,医院弥或其它固定弥健康除外益处以外的任何组健康计划,牙科或视力报道)。

          用人单位不能提供同一类的ichra的员工和一个传统的团体健康计划。在另一方面,ebhras只能提供给员工有资格由雇主提供的(但员工没有在传统的团体健康计划招收)传统的团体健康计划的参与。

          顾名思义,通过ichra,雇主可以帮助员工支付保险费 个别市场预选赛 重大医疗保险和出的自付医疗费用没有被保险报销。有资格ichra的,员工(和配偶或家属,如果覆盖的ichra)必须在排位赛单市场覆盖报名。 ichras简称为有时被“整合”与单一的主要医疗保险由于HRA上的单个覆盖凭借满足某些要求在这里,包括禁止在基本卫生福利年度和寿命美元额度。

          为了帮助减少“摘樱桃”和单一市场细分的风险,雇主不能提供传统的团体健康平面图和一个ichra同一类的员工。

          • 允许员工类: 最后的规则允许员工分成不同的雇主类ichra有参赛资格。允许单独的类包括工薪和nonsalaried(例如,每小时);全职,兼职员工和季节性;通过集体谈判协议所涉及的员工;员工雇佣谁的地方是在同一地区所确定的等级提高临时安置机构聘请了ACA和工人在主。有的班级有大小的最低要求。
          • 大型企业: 适用于大型企业受到了ACA,“支付或玩”代码段4980h下的惩罚,一个ichra被认为是至关重要的最小覆盖。因此,ichra可以被雇主用来避免或限制暴露于处罚。
          • 员工的税收抵免: 与其他最低限度的基本覆盖,如果提供给雇员的ichra符合承受能力的标准,员工不会通过单一市场资格保费税收抵免这里。如果员工在ichra录取,他们从信贷的资格,即使ichra不实惠。

          由于ichras是单独依赖市场覆盖面,这些计划的最终流行取决于质量可能与在单个大型医疗市场可用的选项数目。

          健康福利除外偿还安排(ebhras)

          ebhras旨在报销医疗费用的某些员工有资格WHO由雇主提供的一个传统的团体健康计划的参与。员工没有雇主的团体健康计划的传统下被覆盖,但必须提供的计划。

          没ebhras如何得到他们的名字?

          术语“除外效益”加入联邦法律HIPAA当1996年颁布背面及无ACA下的变化开展。像其他类别的“例外的好处,” ebhras都是从这里要求的除外。 ichras,但是,都受到了ACA,这就是为什么他们都受到比ebhras更广泛的规则。

          注:不幸的是,使用术语“除外互利”来形容新HRAS会带来一些混淆。重要的是要注意ebhras并不限于只为例外的利益付出代价。其实,ebhras可支付医疗费用不例外。此外,ebhras无法支付的医疗福利除外的所有类别。在下面是什么ebhras可以在覆盖详细看看 排位赛费用。


          ichras和ebhras - 的基本要求比较


          下表提供了一个高层次的概述和对ichras ebhras和基本要求的比较。

          Table Data - Employer size: ICHRAs - Available to employers of any size. EBHRAs - Available to employers of any size. General eligibility rules: ICHRAs - The employer cannot offer a traditional group health plan and an ICHRA to the same class of employees. Employees offered an ICHRA cannot also be offered an EBHRA. The employee (and spouse and dependents, if covered) must be enrolled in qualifying individual market coverage (or Medicare) for each month they are covered by the ICHRA The benefits offered under the ICHRA generally must be the same for all eligible employees within a class. The amount available under the ICHRA can vary based on family size and/or age. The maximum age variation is 3:1 between the youngest and oldest participants. EBHRAs - The employer must offer the employee other traditional group health plan coverage. However, the employee does not have to be enrolled in such other coverage to be enrolled in the EBHRA. Employees offered an EBHRA cannot also be offered an ICHRA. The benefits offered must be the same for all similarly situated individuals. In general, “similarly situated” employees are employees within the same employment based classification that is consistent with the employer’s usual practice, such as fulltime, part-time, hourly, salaried or worksite location. Note, offering different amounts under the HRA for different classes (e.g., salaried vs. hourly) may conflict with the section 105(h) nondiscrimination rules. Contribution limit: ICHRAs - No limit other than what may be established by plan design. EBHRAs - $1,800 per year (indexed after 2020). Amounts carried over from a prior year do not count against this limit. Types of contributions: ICHRAs - Only employer contributions may be made to the ICHRA itself. However, if the 个别市场预选赛 coverage is purchased outside an ACA exchange, employees may use pretax salary reduction through a cafeteria plan to pay any portion of the premium that is not paid for by the ICHRA. Salary reduction contributions cannot be used to pay for coverage purchased through an ACA exchange. EBHRAs - Employer contributions only. No employee salary reduction contributions are permitted.


          符合条件的费用


          只有第213项医疗费用,请

          作为一个开端问题,HRAS,包括ichras ebhras和,只能报销费用符合作为根据联邦税法,简称为第213个医疗费那医疗费用。第213项医疗费用包括外的口袋是不是由保险对医疗费用,如共付额,扣除额和费用未覆盖的服务。这保险费为医疗提供部分213也是医疗费用。根据目前的规则,国税局,对健康保险赔款固定,支付触发基于医疗事件一个固定的利益,而不是开支因公基础上的保费,没有资格作为医疗费用部分213。因此,从资金ichras和ebhras(或任何其它HRAS)不能支付保险费固定弥健康覆盖(例如,保险,支付给量规定在每个周期或按事件的基础上,无论总产生的费用)。

          对于ichras和ebhras具体规则

          ichras ebhras并有不同的目的,所以有类型的第213条医疗费用之间存在一些差异,可能尽管每个支付。

          具体ichras设计因被整合单一市场有了符合ACA覆盖,以提供初级保健覆盖面。因此,ichras可用于支付保费的单一市场这样的报道,以及医疗外的自付费用和保险费覆盖率除外好处有资格作为一节,213医疗费。该计划发起人,作为规划设计的问题,可以限制类型的费用可以报销,例如,使与健康储蓄账户(HSA考试)的ichra标准。

          可能计划赞助商通过限制允许报销单市场保费健康计划高抵扣作出ichra具有HSA兼容。

          ebhras,在另一方面,为例外的好处,并不旨在提供初级医疗保险或可以集成其他健康计划。因此,ebhras一般不能报销单覆盖或团体健康计划或医疗保险的保费。然而,ebhras可以报销组保险费或个别例外有资格为受益面第213医疗费用,以及费用等接续报道。也ebhras可以用来偿付没有保险外的自付费用。


          整体效益的设计问题


          ichras ebhras并且可以是由雇主提供健康益处的方案更广泛阵列的一部分。用人单位,提供了一个ichra一类员工可以提供相同的员工健康灵活支出账户(FSA)和/或除外受益面,包括牙科,视力,医院赔偿等固定赔偿医疗保险,特定疾病覆盖,事故/残疾保险。同样,雇主为员工提供一个ebhra的是,还单独或提供ebhra之外的除外受益面FSA。这样的好处除外可以通过ichra外的网吧支付覆盖税后或者由员工或雇主税前基础或员工减薪计划。另请参阅: 在食堂计划及相关税务问题的详细信息.


          结论


          这两个新的HRAS会给雇主,特别是小到中等规模的雇主,更大的灵活性对于现有的健康计划覆盖范围,使他们的员工。例如,希望WHO雇主为员工提供兼职员工的医疗保险,但是是无法承担WHO提供保险,现在也许能提供一个ichra这样的员工。另外两个新的设计,不像qsehras,保持灵活性来提供补充除外好处,如特定疾病和医院赔偿等固定赔偿医疗保险,或沿着ichra ebhra。这两个新的HRAS提供更多的选择将决定健康雇主如计划覆盖面是最适合他们。

          以上信息提供参考之用,一般不任何人或任何具体情况提供法律或税务建议。雇主和雇员和其他个人应咨询税务或法律她们自己的顾问对自己的处境。 立博体育美国家庭指人寿保险哥伦布的公司与纽约的美国家庭人寿保险公司。

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