PCORI Fee Deadline Just Around the Corner

Health & Benefits

The Affordable Care Act requires health insurers and sponsors of self-funded group health plans (including health reimbursement arrangements) to pay a Patient-Centered Outcomes Research Institute (PCORI) fee for each year from 2012 to 2019.  The PCORI fee for plan years that ended in 2018 is due by July 31, 2019.  This is the last year that will require payment of the PCORI fee.

Exiting a PEO: A Checklist of Considerations

Human Resource Services

While there may be many advantages to hiring a PEO, there may come a time where the PEO is no longer meeting your company’s needs.  As your company grows and changes, there are some common reasons why exiting a PEO might be the right decision.  Several reasons for leaving may include the desire for customization of employee benefits, cost, service, and full control of employee culture, relationships, records, and technology.  Exiting a PEO may seem like a daunting task so it is important to involve the key players of your company in order to have a smooth transition.  You must also take into account time when exiting a PEO, as many changes and systems will have to be operational before the exit. 

Dealing with a Surprise Bill after an Emergency Room Visit

Health & Benefits

It has become common practice for emergency room physicians to be out-of-network. It has been estimated that one-half of all emergency room claims are out-of-network and one-in-three visits results in a “surprise bill.” This situation has recently been brought to the forefront by the dispute between BlueCross BlueShield of Texas (BCBSTX) and Texas Medicine Resources (TMR), a group of emergency room physicians...

Hospital Safety: A Enterprise Risk Management Translation

Insurance Claims

There are many people in the Healthcare world that would tell you, a hospital is the most regulated “industry” in the United States. Quite literally, they are overseen by just about every acronym agency in the US’s employ. As you can image, the regulations pertaining to hospital safety are exponentially more in depth than most...

Risk Management: Part 2 of a Series - The Risk Analysis Process

Safety & Loss Control

As humans, we’ve been dealing with risk since the beginning of time. We may think we have risk under control, but most people manage risk using emotion by hinging their estimates to evidence despite the known danger of making assumptions without considering unknowns. What makes the matter worse is thoughts are usually compounded by confirmation bias. It is not uncommon to see a company irrationally directing even more resources to a failed course of action...

Risk Management: Part 1 of a Series

Safety & Loss Control

Most of the businesses that I partner with survived the Great Recession between 2007 and 2009, albeit a bit scarred and bruised. It was common to see companies become obsessed with insulating themselves from what may have been seen in better days, as opportunities. They began to proceed with more caution than ever before; but there is a flip side to that coin...

Investing in the Future

Wealth Management

According to the Federal Emergency Management Agency (FEMA), more than 40% of businesses never re-open after a disaster, and for those that do only 25% are still operating after a year...

Where Human Capital Management and Risk Management Align

Human Resource Services

Having the right people in the right role is critical to the success of your business enterprise, and your human resource (HR) representative or department plays a vital role in the investment and placement of human capital. Why? Because the people factor is the driver of your business. Moreover, people are an organization’s most critical asset.  If we care about the sustainability of our organizations, we must care about the people who make it sustainable.

2018 Angel Capital Association Leadership Workshop


The IBTX team had the pleasure of attending the 2018 Angel Capital Association (ACA) Leadership Workshop on November 6 - 8, in Irvine, California.  The event unique to the ACA members and leaders of the organization. With an agenda filled with valuable information and learning opportunities, the conference provided a deeper look into advanced topics for investors and plenty of networking opportunities with angels throughout North America.