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At Sage Benefit Group we’re about Innovative Solutions, Transparency and Benchmarking which can lead to significant savings for brokers and clients alike.  As a broker resource we share, advise and consult through education or one-on-one support.   As a client resource we integrate novel plan designs, proprietary networks, wellness and more to reinforce positive employee behavior and improve your bottom line.

For the self-insured client we integrate a risk management model that honors the Employer Bill of Rights.  We strive to be transparent, measurable and continuously improvable.

The Employer Bill of Rights

  • The right to a transparent ASO/TPA.
  • The right to a transparent PBM.
  • The right to have policies and procedures in place to mitigate certain risks that could result in overpayments on member medical claims.
  • The right to own your own data and have access to your own data in real time.
  • The right to hold service vendors accountable and to independently audit SLA’s.
  • The right to measure for ROI and to drive continuous improvements and efficiencies where needed.
  • The right to expect integration across vendor relationships to achieve economies of scale and compliance requirements.
  • The right to equip your employees with the tools to make informed choices and drive efficiencies so they can focus on delivering your value proposition.

( Read the entire Bill of Rights here ... )



Quick Links

Need to set-up an HSA Account but don’t know where to start? Click here for a hassle-free approach. Sage recommends American Chartered Bank to all of our clientele. No monthly fees is an absolute must.

( view archives here )

  • June 2009 Article: HRAs or HSAs, How Does an Employer Decide? - By Larry Grudzien, Attorney at Law
  • Quick Guide to Funding HSA's. - Click here to read more.
  • The Rand Corporation releases data supporting CDHP's and their ability to capture and serve vulnerable populations. - Click here to read more.




From the Desk of

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Revised HIPAA Privacy  Forms Compliance Package Now Available for Business Associates

April 2, 2013 

On January 17, 2013, the Department of Health and Human Services released final regulations which provided sweeping changes to the rules under privacy, security, enforcement, and breach notification requirements of the Health Insurance Portability and Accountability Act ("HIPAA"), the Health Information Technology for Economic Health ("HITECH") and Genetic Information Nondiscrimination Act ("GINA"). Employer group health plans and business associates are required to comply with the regulations by September 23, 2013, unless otherwise stated in the regulations.

As a result of the release of these final regulations, all business associate agreements, HIPAA policies and procedures will have to be revised by September 23, 2013.  In addition, all business associates will have to enter into business associate agreements with vendors that they share  or have access to protected health information ("PHI").  If not, business associates can be subject to substantial penalties for noncompliance.

I have prepared a complete package of all HIPAA Privacy Forms for BusinessAssociates, and it is ready and waiting for your immediate use to help you meet the new requirements and prepare for a possible HHS audit.

The HIPAA Privacy Forms Compliance Package for Business Associates contains:  

·        A Summary of New HIPAA Regulations,  
·        A HIPAA Privacy Policy, 
·        A HIPAA Use and Disclosure Form,  
·        A HIPAA Security Standards Checklist,  
·        A HIPAA Training Acknowledgement,  
·        A Notice of Privacy Practices,  
·        A HIPAA Privacy Compliance Checklist,  
·        An Authorization for Release of Information,  
·        A Business Associate Agreement, and 
·        A Vendor Business Associate Agreement.  

There are over eighty (80) pages of documents in this Package. It has been specially designed for third party administrators, brokers and others to comply. When you order, the forms will be provided to you in a Word file and can be reused. 
How do I order?  Just respond to this e-mail and pay $700.  I accept both checks and credit cards. If paying by check, please send to:
Larry Grudzien
Attorney at Law
708 So. Kenilworth Ave.
Oak Park, IL 60304

If you want to pay by credit card, please call me with the number. Do not include any credit card numbers in an e-mail.

As soon as I receive your payment, I will send you a copy of the Package.

If you would like a sample, please respond to this e-mail.

Questions? If you have any questions before or after ordering the Package,  please call or e-mail me. Both numbers are provided below.

For More Information:

If you have any comments or questions regarding any of the above information, please do not hesitate to call me at (708) 717-9638 or e-mail me at  larry@larrygrudzien.com


Larry Grudzien

March 7, 2013

Health and Human Services (HHS) Secretary Kathleen Sebelius today announced that more states are moving forward to implement the health care law and establishing Health Insurance Marketplaces. HHS conditionally approved Iowa, Michigan, New Hampshire, and West Virginia to operate State Partnership Marketplaces, which will be ready for open enrollment in October 2013.

"HHS will continue to work collaboratively with all states to build the Marketplace," Secretary Sebelius said. "Working together, we will be ready in seven months when consumers will be able to use the new marketplace to easily purchase quality, affordable health insurance plans."

Today's conditional approvals bring the total number of states that have been conditionally approved to partially or fully run their Marketplace to 24 states and the District of Columbia. In addition, several other states have suggested their own approaches to contributing toward plan management in their Marketplace in 2014. HHS will continue to provide all states with the flexibility, resources, and time needed to support the establishment of the new health insurance marketplace.

Consumers in every state will soon be able to buy insurance from qualified health plans directly through a Marketplace and may be eligible for premium tax credits and cost sharing assistance to help lower their costs. These health plans will ensure consumers have the same kinds of valuable insurance choices as members of Congress, and cannot be denied coverage because of a pre-existing condition.

For more information on the new Health Insurance Marketplace, visit: