HSAs are the most powerful tax-advantaged savings tools available. And now savvy health savers are taking advantage of an HSA “hack” that brings even more value and flexibility: Delayed reimbursement. The trick is that you don’t have to reimburse yourself right away. In fact, the IRS does not stipulate a required reimbursement timeframe. So, you can effectively “bank” your receipts and save them to pay yourself back down the road.

January 28, 2021

President Biden signed an executive order to reopen the federal marketplace selling Affordable Care Act plans.

Key Points

  • The Special Enrollment Period (SEP) will go into effect February 15, 2021, through May 15, 2021, which is when consumers will be able to begin enrolling in plans on

  • The intent of the SEP is to give consumers who need health care coverage during the pandemic the opportunity to sign up. 

  • The executive order directs the U.S. Department of Health and Human Services (HHS) to take action to open a new COVID SEP.  Further guidance from HHS and the Centers for Medicare & Medicaid Services is expected as a result with more details.

  • Plan effective dates will be the first of the month following enrollment, and no qualifying special enrollment reason will need to be given.

  • Current members have an opportunity to change their current plan to another marketplace plan as well as add dependents if needed.

  • Enrolling through our agency does NOT affect your monthly premium or subsidy amount.  We are here to assist with enrollment, individual healthcare laws and procedures, and customer service throughout the plan year.

  • Please contact us for more information or to sign up!!  828-318-8762 Susan Morgan /

The BerniePortal connects the fragmented HR ecosystem in a comprehensive all-in-one HR tool, allowing employers to spend less time on administration, and more time building the businesses they love. This button is linked to a PDF document with more information.

March 8, 2020

Effective immediately, Aetna members will have access to the following resources:

Aetna will waive co-pays for all diagnostic testing related to COVID-19. This policy will cover the test kit for patients who meet CDC guidelines for testing, which can be done in any approved laboratory location. Aetna will waive the member costs associated with diagnostic testing at any authorized location for all Commercial, Medicare and Medicaid lines of business. Self-insured plan sponsors will be able to opt-out of this program at their discretion.


For the next 90 days, Aetna will offer zero co-pay telemedicine visits for any reason. Aetna members should use telemedicine as their first line of defense in order to limit potential exposure in physician offices. Cost sharing will be waived for all video visits through the CVS MinuteClinic app, Aetna-covered Teladoc offerings and in-network providers delivering synchronous virtual care (live video-conferencing) for all Commercial plan designs.

March 6, 2020

DURHAM, N.C. – Blue Cross and Blue Shield of North Carolina (Blue Cross NC) announced
that it will cover members’ cost for COVID-19 (Coronavirus Disease -19) testing and will not
require prior approval for COVID-19 testing and will speed access to other medically necessary
services for any members who are diagnosed with the disease.

These changes apply to Blue Cross NC’s fully insured, Medicare Advantage and Federal
Employee Program members. Self-funded employer groups will be given the option to apply
these changes to their employees’ plans.

February 2020

There are many beneficial reasons to purchase health insurance for your small business. However, health insurance products and services are certainly not “one-size fits all.” Choosing the right insurer and the right plan are essential for making the most of your small business’s investment.

This article explains the four main factors our small business clients usually consider before they purchase insurance. 

DID YOU KNOW…Employers who deduct premiums pretax should have a POP / Section 125 in place, or they could face stiff penalties.

January 2020

Recent announcements by the IRS and DOL have indicated a "zero-tolerance compliance standard" for adherence to required published guidelines. Many employers are routinely ignoring IRS and DOL compliance requirements for properly establishing and maintaining IRS Section 125 plans to deduct insurance premiums, medical and dependent care expenses. If the employer is audited and the plan disqualified, there could be serious repercussions such as 1.) deductions may be disallowed back to inception, 2.) assessment of back taxes with interest 3.) IRS 'improper withholding' penalties and, 4.) daily DOL fines. The employer would then be required to reissue W-2's for every participant possibly for multiple years and each employee could be faced with a large tax bill.

Sky's The Limit can help you comply with the law!


 ​​Asheville Insurance Office

73 Airport Road, Suite #2

Arden, NC 28704

Phone: 828-318-8762 

Sky's The Limit

Note: we can sell group and individual throughout NC, not just western NC

Contact Us
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73 Airport Road, Suite #2 Arden, NC 28704
(828) 318-8762 Local
1(866)398-1902 Fax

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