All posts by Joanne DeSena

About Joanne DeSena

Joanne DeSena is an Advisor on the Small Market team. As a benefits Advisor, Joanne draws on her background of high quality customer service, by supporting the implementation of benefit renewals, open enrollment activities, member education meetings and working by her client’s side to resolve any other matters that arise along the way. One of Joanne’s notable skills is anticipating a company’s needs and establishing creative strategies for their medical and ancillary benefits. She plays an integral role in all aspects of program management, administration and benefit communications. She has been with Ovation since 2005 and holds her CT State License as a Producer for Life, Accident/Health Insurance. Joanne is also an active member of the Digital/Ovation Wellness Committee and has achieved Faculty Status with WELCOA. Joanne lives in Bristol with her husband, Joe and two daughters. They have a combo of two Red Sox fans and two Yankee fans, which makes for very interesting baseball seasons in their house!

A Storm is Brewing…And it Will Bring a Lot of Changes For Employers With 50-99 Employees.

There are a number of major changes for Connecticut businesses with 50-99 full-time eligible employees that will take effect in 2016 as a result of Health Care Reform. Effective January 1, 2016, the small employer definition will change to an employer who employed an average of at least 1 but not more than 100 full-time (30+ hour per week) employees on business days during the preceding calendar year. Therefore, employers with 50-99 employees will now need to conform to small employer rules which used to apply only to employers with less than 50 eligible employees. There will be big changes such as limited plan design flexibility, rating changes, and additional paperwork/information required from employees. Continue reading A Storm is Brewing…And it Will Bring a Lot of Changes For Employers With 50-99 Employees.

10 Tips to Survive Open Enrollment

The signs are up, the emails are going out – Open Enrollment is fast approaching. If you’re an employee you’re likely thinking that this means more money will be taken out of your paycheck; you will have to go and sit through a long meeting which will tell you all about the changes to your plan and you usually leave feeling more confused than before. If you’re an employer, you are thinking about those employees that may be sitting in front of you at the meeting with glazed eyes, or panic-stricken faces.

Make sure that this year is different!

Here are ten tips and hints for helping you get through this year’s Open Enrollment. Continue reading 10 Tips to Survive Open Enrollment

2014 Health Care Reform Implications: A Connecticut Small Business Guide

There are a number of major changes for Connecticut small businesses that take effect in 2014 as a result of Health Care Reform.

HC-Reform1-460x172Rating System Restructuring
One of the biggest changes for small businesses is the restructuring of the rating system.  Rates for a particular plan used to be based on location, group size, gender and age, with five-year age bands. As of January 1, 2014, the rates for a particular plan are based on location and age. In prior years, depending on where your employer is located, a 46 year-old female with a family would have the same rates as a 49 year-old female with a family. Now, per the new Federal Rating Methodology, those rates will be different since there are no more five-year age bands. Continue reading 2014 Health Care Reform Implications: A Connecticut Small Business Guide

Here We Go Again: 10 Tips to Survive Open Enrollment

The signs are up, the emails are going out–Open Enrollment is fast approaching. If you’re an employee you’re likely thinking that this means more money will be taken out of your paycheck; you will have to go and sit through a long meeting which will tell you all about the changes to your plan and you usually leave feeling more confused than before. If you’re an employer, you are thinking about those employees that may be sitting in front of you at the meeting with glazed eyes, or panic-stricken faces.

Make sure that this year is different!

Here are ten tips and hints for helping you get through this year’s Open Enrollment. Continue reading Here We Go Again: 10 Tips to Survive Open Enrollment