in this issue:
talk to new business:
Employee Benefits
John Deem
Senior Vice President
Business Insurance
Scott Marker
VP of Business Development
Property, Auto, Homeowners
Jackie Kociszewski
Personal Lines Manager
Medical, Dental, Disability, Life
Gregg Avedon
Consumer Products Manager
talk to client services:
Employee Benefits
Jenn Swistak
Vice President of Client Services
Business Insurance
Mary Jane Donaldson
Director of Client Services

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Health & Wellness Watch


At Potomac Basin Group, we understand the importance of Wellness Programs and educating
our employees on ways to live the healthiest lives they can. In this section you will find articles and updates on what's trending in the world of health & wellness.



 Diet & Nutrition 
**USA Today


Non-prescription Allergy Relief: What You Need To Know

Drink Up? Sorting Out Water Truths vs. Myths

FDA To Phase Out Trans Fats From Food

**The Washington Post
**USA Today


Fitness 'Sorority' Looks To Liberate Women From The Elliptical

Why Gym Owners Are Retrofitting
Old Movie Theaters


Don't Just Talk the Talk: Walk, With A Group


Family Wellness

 **USA Today


Vaccines: Facts vs. Myths

Advice To Take the Bite Out of Bug Season

Message To Retirees: Sit Less,
Live Better and Longer


Mental Wellness & Happiness
**USA Today



Solutions To Woes of Mentally Ill Exist But Aren't Used

Cost of Not Caring: Nowhere To Go
The financial and human toll for neglecting the mentally ill











Potomac Basin Group's
Upcoming Webinars


Employee Benefits

ACA Premium Tax Credits Available in Both Federal and State-Based Exchanges
The U.S. Supreme Court has ruled that the Affordable Care Act's (ACA) premium tax credits are available to eligible individuals who enroll in qualified health plans through any Health Insurance Exchange (Marketplace), regardless of whether it is a state-based Exchange or a federally-facilitated Exchange.
The premium tax credit is designed to help eligible individuals and families with low or moderate income afford health insurance purchased through the Marketplace. Large employers subject to the ACA's employer shared responsibility provisions (pay or play) may be liable for penalties if any of their full-time employees receive premium tax credits.

Supreme Court Strikes Down State Laws Prohibiting Same-Gender Marriage
In a separate decision, the U.S. Supreme Court has ruled that same-gender couples may exercise the right to marry in all states. According to the opinion, the United States Constitution requires states to license a marriage between two people of the same gender, and to recognize a marriage between two people of the same gender when their marriage was lawfully licensed and performed out-of-state.

PCORI Fees Due by July 31 for Employers Sponsoring HRAs and Other Self-Insured Plans
As a reminder, fees to fund the Patient-Centered Outcomes Research Institute (PCORI) are due no later than July 31 from employers who sponsor certain self-insured health plans, including health reimbursement arrangements (HRAs) that are not treated as excepted benefits. 
How to Calculate the Fee
For plan years ending on or after October 1, 2014 and before October 1, 2015, the fee for an employer sponsoring an applicable self-insured plan is $2.08 (two dollars for plan years ending on or after October 1, 2013 and before October 1, 2014) multiplied by the average number of lives covered under the plan. 
Permissible methods for determining the average number of lives covered under a plan, as well as examples, are explained in IRS guidance and final regulations.

2015 Draft Forms Available to Help Employers Prepare for ACA Information Reporting

The IRS has released draft forms for 2015 to help employers who are subject to the new information reporting requirements under the Affordable Care Act (ACA) prepare for compliance. Affected employers are required to report for the first time in early 2016 for calendar year 2015. In general:

  -Forms 1094-C and 1095-C will be used by large employers (generally those with at least 50 full-time employees, including full-time equivalents) to report information to the IRS and to their employees about their compliance with "pay or play" and the health care coverage they have offered.

  -Forms 1094-B and 1095-B will be used by insurers, self-insuring employers (regardless of size), and other parties that provide minimum essential health coverage to report information on this coverage to the IRS and to covered individuals.


Business Insurance

Errors and Omissions Insurance
for your Business! 

General liability insurance covers claims of bodily injury and/or property damage for which your business is legally liable. For certain professions, this may not be enough. Consider the following information about errors and omissions insurance and why it may be important to your business: 
Do You Need a Separate Policy for Professional Errors and Omissions? 
Yes. "Professional liability" claims, including errors and omissions, are excluded from a standard general liability and homeowners insurance policies. 
Personal Insurance

Did You Know You Can Purchase Insurance for Certain Events Such As a Wedding?
The average cost of a wedding continues to rise which is why wedding insurance should seriously be considered.  The premium for a wedding policy is minimal but it can provide coverage for many things.  A wedding policy may cover a wedding gown or tuxedo if they are lost or damaged. It may also cover lost deposits, lost rings, ruined photos and even severe weather if it forces you to postpone your wedding.  In addition, you can purchase liability coverage should a guest be injured or causes damage to property.

Understanding Some Basic Auto Coverages:

Uninsured/Underinsured Motorist Coverage: This automobile coverage provides protection in the event an insured is involved in an accident where the other party is at fault, but is not insured or the other party is carrying insurance coverage lower than the amount of the damages. 
Collision Coverage: (Optional) Provides coverage for your automobile for direct or accidental loss resulting from upset or impact with another vehicle or an object. A deductible typically applies for this coverage. 

Potomac Basin Group Associates, LLC
4740 Corridor Place Beltsville, Suite B
Maryland 20705