Generated by All in One SEO v4.9.10, this is an llms.txt file, used by LLMs to index the site. # Clark & Associates Affordable health insurance ## Sitemaps - [XML Sitemap](https://clarkandassoc.com/sitemap.xml): Contains all public & indexable URLs for this website. ## Posts - [What You Need to Know About Lifestyle Spending Accounts](https://clarkandassoc.com/2023/03/14/what-you-need-to-know-about-lifestyle-spending-accounts/) - Lifestyle Spending Accounts Many workers are paying greater attention to their benefits and wondering how to stretch their dollars further. While many employers are familiar with health savings accounts (HSAs) and flexible spending accounts (FSAs), lifestyle spending accounts (LSAs) are an emerging benefit that can provide flexible and personalized support to employees. Meaningful and competitive - [How Telemedicine Gives You the Most Out of Health Care Visits](https://clarkandassoc.com/2023/03/10/how-telemedicine-gives-you-the-most-out-of-health-care-visits/) - How Telemedicine Gives You the Most Out of Health Care Visits Telemedicine—the delivery of health care from a distance using technology—has become increasingly popular following the COVID-19 pandemic. Telemedicine allows people to seek basic primary care and other services without having to leave their homes, making it a convenient, efficient and often less expensive way - [Understanding the Importance of Disability Insurance](https://clarkandassoc.com/2023/03/08/understanding-the-importance-of-disability-insurance/) - Understanding the Importance of Disability Insurance One in 4 working adults will become disabled before reaching retirement age, according to data from the Social Security Administration (SSA). Unfortunately, many workers are unprepared to lose their income or unable to afford unexpected medical expenses. Income or job loss due to illness or injury can be devastating - [Medicare Guide to Coordination of Benefits](https://clarkandassoc.com/2023/03/03/medicare-guide-to-coordination-of-benefits/) - Medicare Guide to Coordination of Benefits If you have Medicare and other health insurance, such as group health plan insurance, retiree coverage or Medicaid, questions can arise over who pays first on your claims. Coordination of benefits (COB) rules decide who pays first. One plan is considered the primary payer that covers most of your - [The Trendiest Benefits for 2023](https://clarkandassoc.com/2023/01/06/the-trendiest-benefits-for-2023/) - The Trendiest Benefits for 2023 There's no denying that employees' needs have changed over the past few years. As such, employers can offer benefits to meet evolving worker needs shaped by lingering effects of the COVID-19 pandemic, a tight labor market and rising inflation. Many workers are paying more attention to their benefits and wondering - [2023 Limits to Know - Infographic](https://clarkandassoc.com/2022/12/06/2023-limits-to-know-infographic/) - 2023 Limits to Know - Infographic This infographic highlights important benefit plan limits to know for 2023. 2023 Limits to Know - Infographic - [Affordable Care Act: 2023 Compliance Checklist](https://clarkandassoc.com/2022/11/15/affordable-care-act-2023-compliance-checklist/) - Affordable Care Act: 2023 Compliance Checklist The Affordable Care Act (ACA) made a number of significant reforms to group health plan coverage when it was enacted in 2010. Since then, changes have been made to various ACA requirements that employers should be aware of. These changes include annual cost-of-living increases to certain ACA dollar limits, - [Employee Benefit Plan Limits for 2023](https://clarkandassoc.com/2022/11/03/employee-benefit-plan-limits-for-2023/) - Employee Benefit Plan Limits for 2023 Many employee benefits are subject to annual dollar limits that are adjusted for inflation by the IRS each year. The following commonly offered employee benefits are subject to these limits: • High deductible health plans (HDHPs) and health savings accounts (HSAs); • Health flexible spending accounts (FSAs); • 401(k) - [Health FSA Limit Will Increase for 2023](https://clarkandassoc.com/2022/10/21/health-fsa-limit-will-increase-for-2023/) - Health FSA Limit Will Increase for 2023 On Oct. 18, 2022, the IRS released Revenue Procedure 2022-38 (Rev. Proc. 22-38), which includes the inflation-adjusted limit for 2023 on employee salary reduction contributions to health flexible spending accounts (FSAs). The Affordable Care Act (ACA) imposes a dollar limit on employees’ salary reduction contributions to health FSAs. - [Final Forms for 2022 ACA Reporting Released](https://clarkandassoc.com/2022/10/19/final-forms-for-2022-aca-reporting-released/) - Final Forms for 2022 ACA Reporting Released The IRS released the final 2022 forms for reporting under Internal Revenue Code (Code) Sections 6055 and 6056. 2022 Forms 1094-B and 1095-B are the forms that will be used by providers of minimum essential coverage (MEC), including self-insured plan sponsors that are not applicable large employers (ALEs), - [10 WAYS TO REDUCE YOUR PRESCRIPTION DRUG COSTS](https://clarkandassoc.com/2022/10/13/10-ways-to-reduce-your-prescription-drug-costs/) - The average American spends about $1,300 each year on prescription drugs. Prescription drug prices in the United States rank among the highest globally. It’s no surprise that drug prices vary, so it can pay to shop around. Cutting costs on prescription drugs is easier than you may think. Consider the following strategies to help lower - [20 Ways to Reduce Your Health Care Costs](https://clarkandassoc.com/2022/10/11/20-ways-to-reduce-your-health-care-costs/) - Many Americans will hunt for a coupon that saves them 50 cents at the local supermarket. However, when it comes to health care—a far more complex and expensive service—we rarely ask questions or consider all the options that could save us time and money. Check out this list of 20 ways to shop for value - [Final Rule Implements Ban on Surprise Medical Billing](https://clarkandassoc.com/2022/08/29/final-rule-implements-ban-on-surprise-medical-billing/) - Click link for more information: Final Rule Implements Ban on Surprise Medical Billing On Aug. 19, 2022, the Departments of Labor (DOL), Health and Human Services (HHS) and the Treasury (Departments) jointly released a final rule implementing the ban on surprise medical billing under the No Surprises Act (NSA), which was enacted as part of - [Form I-9 Internal Audit Checklist](https://clarkandassoc.com/2022/08/18/form-i-9-internal-audit-checklist/) - Click link for more information: Form I-9 Internal Audit Checklist Federal law requires employers to hire only individuals who may legally work in the United States—either U.S. citizens or authorized foreign nationals. To comply with the law, employers must verify the identity and employment authorization of each individual they hire by completing and retaining the - [Complying with the FMLA Checklist](https://clarkandassoc.com/2022/08/16/complying-with-the-fmla-checklist/) - Click link for more information: Complying with the FMLA Checklist The Family and Medical Leave Act (FMLA) is a federal law that provides eligible employees of covered employers with unpaid, job-protected leave for certain family and medical reasons. In addition to providing eligible employees with leave for qualifying reasons, covered employers must maintain employees’ health - [Hiring Out-of-State Employees Checklist](https://clarkandassoc.com/2022/08/15/hiring-out-of-state-employees-checklist/) - While hiring out-of-state employees gives your organization access to a wider pool of talent, it also requires complying with state and local requirements that may be unfamiliar. This checklist outlines key items for employers to consider when hiring out-of-state employees. Click link for more information: Checklist - Hiring Out of State Employees - [2022 Midyear Benefits Trends to Monitor](https://clarkandassoc.com/2022/07/27/2022-midyear-benefits-trends-to-monitor/) - Over the last few years, almost every aspect of the workplace has changed. Employers continue to face challenges that have persisted since the start of the COVID-19 pandemic while being forced to respond to new ones. Today’s labor market is forcing employers to do everything possible to attract and retain workers. This article explores benefit - [2022 Attraction Benchmarking Overview - Infographic](https://clarkandassoc.com/2022/06/21/2022-attraction-benchmarking-overview-infographic/) - In early 2022, employers across the country were surveyed about various employee attraction and retention topics. This infographic provides a benchmarking overview and provides insight into today's attraction challenges, and trending strategies used by employers to recruit and hire new employees. Click link for more information: 2022 Attraction Benchmarking Overview - Infographic - [2022 Attraction and Retention Benchmarking Overview](https://clarkandassoc.com/2022/06/08/2022-attraction-and-retention-benchmarking-overview/) - In early 2022, employers across the country were surveyed regarding attraction and retention challenges and workplace strategies. This survey provided significant insights into how attraction and retention issues present a persistent operational challenge for organizations and what strategies employers are pursuing to compete in today’s labor market. This benchmarking overview compiles employer responses to these - [Containing Costs of Chronic Health Conditions](https://clarkandassoc.com/2022/05/25/2561/) - Many chronic conditions affect the workforce today. Treating chronic conditions may involve physician visits, extended hospital stays, prescription drugs and expensive treatments, contributing to increased medical expenditures and lost productivity for employers. This article explores chronic conditions’ impact on employers and workplace strategies to contain associated costs. Click link for more information: Containing Costs of - [HSA/HDHP Limits Increase for 2023](https://clarkandassoc.com/2022/05/02/2552/) - On April 29, 2022, the IRS released the inflation-adjusted limits for HSAs and HDHPs for 2023. These limits include: (1) the maximum HSA contribution limit, (2) the minimum deductible amount for HDHPs, and (3) the maximum out-of-pocket expense limit for HDHPs. This Compliance Bulletin shows the new limits for 2023, as compared to the limits - [HR Toolkit](https://clarkandassoc.com/2022/04/13/2546/) - This HR Toolkit covers employee retention, trends shaping today’s workplaces and how the employee experience impacts retention. It also explores workplace strategies that can positively impact retention and turnover. The printable appendix includes an infographic, cheat sheet, scorecards and more. Click link for more information: HR Toolkit - Employee Retention - [IRS Adds to FAQs on Tax Credits for Leave Under FFCRA and ARPA](https://clarkandassoc.com/2022/03/04/2536/) - On March 3, 2022, the IRS issued four new answers to frequently asked questions (FAQs) about tax credits for employee leave taken under the Families First Coronavirus Response Act and the American Rescue Plan Act. This Legal Update discusses the new FAQs. Click link for more information: IRS Adds to FAQs on Tax Credits for - [Employee Benefit Plan Limits for 2022](https://clarkandassoc.com/2022/02/07/2530/) - Many employee benefits (such as HSAs, health FSAs and transportation fringe benefit plans) are subject to annual dollar limits that are periodically updated for inflation. This Compliance Overview includes a chart of the inflation-adjusted limits for 2022. Click link for more information:Employee Benefit Plan Limits for 2022 - [Supreme Court Reinstates Vaccine Mandate for Health Care Workers](https://clarkandassoc.com/2022/01/14/supreme-court-reinstates-vaccine-mandate-for-health-care-workers/) - On Jan. 13, 2022, the U.S. Supreme Court dissolved the temporary injunctions blocking enforcement of the Centers for Medicare & Medicaid Services (CMS) emergency rule requiring COVID-19 vaccination of certain health care workers. As a result, the emergency rule will now be reinstated and can be enforced as written. This Legal Update provides an overview - [Supreme Court Stays OSHA ETS Vaccination and Testing Mandate](https://clarkandassoc.com/2022/01/13/supreme-court-stays-osha-ets-vaccination-and-testing-mandate/) - An update on the Supreme Court of the United States ruling on the OSHA ETS vaccination and testing mandate. Click link for more information: Supreme Court Stays OSHA ETS Vaccination and Testing Mandate - [Agencies Issue Guidance on Coverage of OTC COVID-19 Tests](https://clarkandassoc.com/2022/01/11/agencies-issue-guidance-on-coverage-of-otc-covid-19-tests/) - On Jan. 10, 2022, the Depts. of Labor, Health and Human Services (HHS), and the Treasury issued FAQ guidance regarding the requirements for group health plans and health insurance issuers to cover over-the-counter (OTC) COVID-19 diagnostic tests. Click link for more information: Agencies Issue Guidance on Coverage of OTC COVID Tests - [5th Circuit Court of Appeals Extends Stay of OSHA ETS](https://clarkandassoc.com/2021/11/15/5th-circuit-court-of-appeals-extends-stay-of-osha-ets/) - The 5th Circuit Court of Appeals ruled to extend the stay of the OSHA vaccine and testing emergency temporary standard. Click link for more information: Fifth Circuit Court of Appeals Extends Stay of OSHA ETS - [OSHA Releases Vaccination and Testing ETS](https://clarkandassoc.com/2021/11/05/osha-releases-vaccination-and-testing-ets/) - OSHA released the vaccine mandate requirements for employers with 100 or more employees. Click link for more information: OSHA Releases Vaccination and Testing ETS - [HR Toolkit - Returning Workforces and COVID-19 Vaccines](https://clarkandassoc.com/2021/03/18/hr-toolkit-returning-workforces-and-covid-19-vaccines/) - The COVID-19 pandemic has been raging for months. In that time, many businesses have ceased operations out of safety concerns and have waited for the right opportunity to resume. Now, with COVID-19 vaccines becoming available, employers can finally start planning for their immediate futures. This toolkit explores the COVID-19 vaccines and other workplace safeguards, and - [CDC Recommendations for Small Gatherings During the COVID-19 Pandemic](https://clarkandassoc.com/2021/03/08/cdc-recommendations-for-small-gatherings-during-the-covid-19-pandemic/) - CDC Recommendations for Small Gatherings During the COVID-19 Pandemic Attending gatherings increases your risk of getting and spreading COVID-19. This article provides guidance from the Centers for Disease Control and Prevention (CDC) on ways to safely gather. - [2021 Limits to Know Infographic](https://clarkandassoc.com/2021/01/22/2021-limits-to-know-infographic/) - 2021 Limits to Know Infographic - [Upcoming ACA Reporting Deadlines 12-28-20](https://clarkandassoc.com/2021/01/22/upcoming-aca-reporting-deadlines-12-28-20/) - 181376 Upcoming ACA Reporting Deadlines 12-28-20 - [Temporary Special Rules for Health and Dependent Care FSAs](https://clarkandassoc.com/2021/01/22/temporary-special-rules-for-health-and-dependent-care-fsas/) - 338958 Temporary Special Rules for Health and Dependent Care FSAs - [CHANGE YOUR DIET TO LOWER YOUR CHOLESTEROL](https://clarkandassoc.com/2021/01/22/change-your-diet-to-lower-your-cholesterol-2/) - CHANGE YOUR DIET TO LOWER YOUR CHOLESTEROL - [DOL To Accept Telemedicine as In-person visit for FMLA Purposes 122920](https://clarkandassoc.com/2021/01/22/dol-to-accept-telemedicine-as-in-person-visit-for-fmla-purposes-122920/) - DOL To Accept Telemedicine as In-person visit for FMLA Purposes 122920 - [Infographic - Remote Employee Well-being](https://clarkandassoc.com/2021/01/22/infographic-remote-employee-well-being/) - Infographic - Remote Employee Well-being - [IRS Expands Preventive Care for HDHPs to Include Chronic Conditions](https://clarkandassoc.com/2019/08/07/irs-expands-preventive-care/) - OVERVIEW On July 17, 2019, the IRS released Notice 2019-45 to add care for a range of chronic conditions to the list of preventive care benefits that can be provided by a high deductible health plan(HDHP)without a deductible. Individuals who are covered by an HDHP generally may establish and make contributions to a health savings - [2019 Limits to Know](https://clarkandassoc.com/2019/01/22/2019-limits-to-know/) - Many benefit plan limits have changed for the new calendar year. Here are those changes: 2019 Limits to Know Infographic: 401K Limits: Pre-Tax Contributions: $19,000 (up $500 from 2018) Catch-Up Contributions: $6,000 (no change from 2018) IRA Limits: Contributions: $6,000 (up $500 from 2018) Catch-Up Contributions: $1,000 (no change from 2018 Health Savings Account (HSA) - [THE ACA REMAINS IN PLACE AFTER BEING STRUCK DOWN BY FEDERAL COURT](https://clarkandassoc.com/2018/12/17/the-aca-remains-in-place-after-being-struck-down-by-federal-court/) - Click Here to Download: ACA Remains in Place After Being Struck Down by Federal Court On Dec. 14, 2018, a federal judge ruled in Texas v. United States that the entire Affordable Care Act (ACA) is invalid due to the elimination of the individual mandate penalty in 2019. The decision was not stayed, but the - [HSA 101](https://clarkandassoc.com/2018/08/27/hsa-101/) - HSA/HDHPs take a different approach to health coverage than other plans with lower deductibles. Having an HSA provides you with many benefits, including flexibility and easy saving, helping you plan and pay for medical expenses. Click here for the Interactive HSA Guide to include: HSA Eligibility HSA Contributions Using your HSA HSA Saving and Recording - [Addressing Opioids in the Workplace](https://clarkandassoc.com/2018/04/02/addressing-opioids-in-the-workplace/) - There are over 42,000 opioid-related deaths in the United States each year, according to the Centers for Disease Control and Prevention (CDC)—a figure that has been rising steadily since the turn of the century. The opioid death rate is now more than five times greater than it was in 1999. In addition to the skyrocketing - [Fight Cancer with Food](https://clarkandassoc.com/2018/03/13/fight-cancer-with-food/) - A healthy lifestyle supports disease prevention, and adding the following body-strengthening foods into your diet can really go the extra mile. Beans contain phytochemicals, which have been shown to prevent or slow genetic cell damage. Their high fiber content has been connected with a lower risk of digestive cancers. Berries contain ellagic acid (most common - [Reasons to Get Health Insurance for Your Small Business Employees [Infographic]](https://clarkandassoc.com/2015/12/28/reasons-to-get-health-insurance-for-your-small-business-employees-infographic/) - As a business owner, you know how important it is to keep your employees happy, healthy, and productive. One way of doing that is to offer comprehensive health coverage. If you're a small business owner in Nevada, you aren't mandated to provide small business health insurance, but it may be worth your while to do so. Offering - [CHANGE YOUR DIET TO LOWER YOUR CHOLESTEROL](https://clarkandassoc.com/2018/09/21/change-your-diet-to-lower-your-cholesterol/) - If three months of changing your diet does not lower your LDL cholesterol levels, consult your physician. He or she may put you on medication or refer you to a dietician for more assistance. Diet plays a big part in why some people suffer from high cholesterol. Modifying your diet even a little can lower - [Clark & Associates Official Open House and Ribbon Cutting Ceremony](https://clarkandassoc.com/2018/07/20/clark-associates-official-open-house-and-ribbon-cutting-ceremony/) - We had such a wonderful time at our ribbon cutting ceremony and open house! Thank you to all who attended and special thanks to The Reno+Sparks Chamber of Commerce for assisting us with our special day! - [Which Federal Employment Laws Apply to My Company?](https://clarkandassoc.com/2018/07/11/which-federal-employment-laws-apply-to-my-company/) - Provided by Clark & Associates of Nevada, Inc. This is a good question and can be complicated! There are a number of different federal employment laws that have their own rules for covered employers. Employers should be aware of the federal employment laws that may apply to their company. An employer’s size, or number of - [Business Travel Accident Insurance](https://clarkandassoc.com/2018/03/20/business-travel-accident-insurance/) - Travel Insurance for Businesses Travel insurance offers a broad range of benefits and services, such as worldwide emergency hotline services, medical evacuation, reimbursement for unexpected cancellation or delay, and more. Companies with employees who travel for business may want to consider supplemental coverage from a travel insurance policy. Why Buy? Travel insurance is designed ## Pages - [Home](https://clarkandassoc.com/) - Clark & Associates is an independent brokerage firm in Nevada offering insurance, benefits, HR and risk management solutions to businesses and residents. - [Contact](https://clarkandassoc.com/contact/) - Contact Clark & Associates for more information about business and personal insurance or Human Resources solutions. - [Life & Health](https://clarkandassoc.com/personal/life-health/) - Clark & Associates helps residents of Nevada find the best life and health insurance options for their lifestyle and families future. - [Human Resources](https://clarkandassoc.com/business/human-resources/) - Clark & Associates partners with leading HR consultants to help businesses find solutions for the HR and payroll needs. - [About us](https://clarkandassoc.com/about-us-2284/) - [Get a quote](https://clarkandassoc.com/get-a-quote/) - [Employee Benefits](https://clarkandassoc.com/employee-benefits/) - Clark & Associates helps businesses find employee benefit solutions that fit their business goals and protect their employees at competitive rates. - [Commercial Insurance](https://clarkandassoc.com/business/commercial-insurance/) - Nevada businesses looking for a comprehensive portfolio can find help with Clark & Associates top-rated commercial programs. - [Resources](https://clarkandassoc.com/resources/) - We want our clients to have access to the important resources for their insurance and business needs. - [Personal](https://clarkandassoc.com/personal/) - Clark & Associates partners with top insurance carriers to find Nevada residents the best insurance for their needs. - [Watercraft](https://clarkandassoc.com/personal/watercraft-insurance/) - Insure your boat or watercraft with top-rated insurance solutions that Clark & Associates has to offer you. - [High-Net Worth Individuals](https://clarkandassoc.com/personal/high-net-worth-individuals/) - High-net-worth individuals require insurance coverage that goes beyond the ordinary and Clark & Associates has coverage options to consider. - [Homeowners Insurance](https://clarkandassoc.com/personal/homeowners-insurance/) - Protect your home and families financial future with a homeowners insurance solution from a Nevada broker you can trust. - [Auto Insurance](https://clarkandassoc.com/personal/auto-insurance/) - Clark & Associates partners with top-rated insurance companies to help Nevada drivers find the best car insurance option for their needs. - [Travel Insurance](https://clarkandassoc.com/personal/travel-insurance/) - Clark & Associates partners with a premier travel insurance aggregator to give their clients choice when protecting their future trips. - [Business](https://clarkandassoc.com/business/) - [Contact Us - Thank You Page](https://clarkandassoc.com/contact-us-thank-you-page/) - [Empowering Entrepreneurs](https://clarkandassoc.com/empowering-entrepreneurs/) - [Services](https://clarkandassoc.com/services/) - [Privacy Policy](https://clarkandassoc.com/privacy-policy/) - CLARK & ASSOCIATES PRIVACY POLICY Website Privacy Statement At CLARK & ASSOCIATES OF NEVADA, INC., we are committed to protecting your privacy as a visitor to this website and as our customer. To our visitors and to our customers, we offer this pledge: CLARK & ASSOCIATES OF NEVADA, INC., is the owner of the information, which ## Portfolio - [Individual & Family](https://clarkandassoc.com/portfolio-item/individual-family/) - We provide many different plans depending on your needs. Please select from the following plans suited for Individuals and Families. We encourage you to contact us regarding any insurance questions, as well as consulting, so we can help design benefits tailored to fit your needs. Just one more example of how we go the extra - [Small Business - Insuring: 2-99](https://clarkandassoc.com/portfolio-item/small-business-insuring-2-99/) - Saving money on employee benefits is imperative in today’s economy, regardless of the size of your business or the number of employees. The cost of providing benefits is rising significantly, while employees consistently seek more and more from their benefits packages. Many employers struggle to balance employee needs with their own capabilities and bottom lines. - [Mid-Size Business - Insuring: 100-499](https://clarkandassoc.com/portfolio-item/mid-size-business-insuring-100-499/) - The cost of providing benefits is rising significantly, while employees consistently seek more and more from their benefits packages. Many employers struggle to balance employee needs with their own capabilities and bottom lines. Helping you meet these divergent objectives is our specialty at Clark & Associates. Using our advanced technology and consulting expertise, we provide - [Large Business - Insuring: 500+](https://clarkandassoc.com/portfolio-item/large-business-insuring-500/) - Many employers struggle to balance employee needs with their own bottom lines. Helping you meet these needs is our specialty at Clark & Associates. Our team of professional Benefit Solutions Consultants understand that saving money on employee benefits is imperative in today’s economy. The cost of providing benefits continues to rise, and employees consistently seek ## Categories - [Uncategorized](https://clarkandassoc.com/category/uncategorized/) - [Featured](https://clarkandassoc.com/category/featured/)