Kristen Russell
Kristen founded Fall River Employee Benefits as the culmination of her insurance industry career as an actuary, underwriting executive & consultant. As an Assistant Vice President at Great-West Healthcare (now part of CIGNA), she managed a $1 Billion block of health insurance. She also worked as a Senior Consultant at Reden & Anders, consulting to insurance companies and large employers throughout the country. Ms. Russell received a Bachelor of Science, Business Administration in Actuarial Science, is a member of the American Academy of Actuaries and achieved Fellowship in the Society of Actuaries through a rigorous nine-year series of exams.
Kristen grew up in Iowa but has lived in Colorado since 1993, currently living near our office in the Lower Highlands neighborhood near downtown Denver. She enjoys bicycling, hiking, traveling and has a special passion for non-profit volunteering. She is married to an incredibly talented photojournalist, has two adult stepdaughters and an adorable Border Collie/Lab mix named Chaco.
Family-building Benefits
5 Small Business Attraction and Retention Trends for 2023
What Happens If Your Employees Miss Open Enrollment?
HR Toolkit: Employee Engagement
Employee Guide to the Major Types of Health Plans
You have many choices when selecting a health insurance plan, which can make the process feel overwhelming. Health plans vary and have their own benefits and drawbacks related to coverage, primary care providers (PCPs), copays, premiums and more.
Our ACA Guide
There are a lot of details related to the Affordable Care Act (ACA) that impact many employers. Attached is our ACA Client Guide, a ready reference to help you understand rules, considerations and what your company may need to do.
Year End Burnout
Many of us struggle with stress, anxiety, imposter syndrome and year end burnout. It’s time to take care of your emotional, psychological and social wellbeing. Everyone manages stress in different ways. Below are a few things you can do daily to help keep on track and defeat burnout.
Understand Your Rights Against Surprise Medical Bills
The No Surprises Act protects people covered under group and individual health plans from receiving surprise medical bills when they receive most emergency services, non-emergency services from out-of-network providers at in- • network facilities and services from out-of-network air ambulance service providers. It also establishes an independent dispute resolution process for payment disputes between plans and providers and provides new dispute resolution opportunities for uninsured and self-pay individuals when they receive a medical bill that is substantially greater than the good faith estimate they get from the provider.
Starting in 2022, there are new protections that prevent surprise medical bills. If you have private health insurance, these new protections ban the most common types of surprise bills. If you’re uninsured or you decide not to use your health insurance for a service, under these protections, you can often get a good faith estimate of the cost of your care up front before your visit. If you disagree with your bill, you may be able to dispute the charges.
Here’s what you need to know about your new rights.
Gobble up These Tip on Surprise Medical Bills
The two reasons this typically happens are:
- Services were provided at an in-network facility by an out-of-network provider
- Emergency services were performed out-of-network
Remind your employees that they can take the following steps if they receive a surprise bill
- Review invoices for any billing errors
- Contact the billing department to correct and issue a new bill
- Contact your Client Manager
You may share the educational documents linked below with your employees.
HR Toolkit: Workplace Well-being
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Many employers are now focused on total wellness or well-being, to include all facets of employee health, not just physical health. This can produce a well-rounded workforce and help improve productivity, employee morale and customer service.
CLICK HERE to download the toolkit. |