This article provides guidance on how health insurers can use the ACA’s MLR rules, etc., to help their members, stakeholders, and community.

My last article, intended for a broad audience, focused on why payors should perform the valuable public service of furnishing their members with face masks… especially, their high-risk…


Every night, I am bombarded with TV ads for reusable face masks that feature a copper- or silver-based finish and I wonder: Do the purchasers of these masks do any basic product research? Clearly, the answer is “No”.

People wear face masks not out of fear of getting a bacterial/fungal…


Are face masks really much different than many other covered preventive products?

Overwhelmingly, Americans understand that wearing a face mask is essential to eradicating COVID-19 by helping to reduce community spread by asymptomatic carriers. Nonetheless, millions of people can’t afford an adequate supply of masks and others use them incorrectly, spreading the disease unwittingly.

While it is true that many businesses furnish…


As employers prepare for their employees to return to work, they would be wise to establish and communicate a company face mask policy and adopt a company standard face mask requirement is they wish to remain, within the intent of, and in compliance with, any number of state and federal…


By now, most people know that face masks are a critical tool in our defense against COVID-19. However, are we really mounting much of a defense at all without demanding more from our face masks in terms of wearer protection? Are we really “giving it our all” when we tolerate…


By now ─ a full six months into a pandemic that’s claiming a million new victims each week ─ you would think that everyone would be an expert on COVID-19 and how it is transmitted. This isn’t the case.

Worse yet, while our less-than-adequate response to the initial outbreak on…


We have known for quite some time, from numerous studies, that viruses like COVID-19 are transmitted by particles that travel through the air when people cough, sneeze, speak and even breathe. Until recently however, we had little information about how this airborne transmission is impacted by being outdoors in slight…


It’s not if you will become infected with COVID-19…it’s when and by how much!

The ease and speed by which COVID-19 can be spread can’t be overstated. Indeed, the reason why a coronavirus tsunami is occurring in the United States, Mexico and Brazil is because a single diseased person can…


I’ll address the relevance of the quotation above in a moment…

Given the COVID-19 crisis, current political climate and uncertainty in the global markets, many Americans (including your clients and their employees) may prefer American-made products, such as the face masks companies are now being required to provide. Indeed, beyond…

Richard Nicholas

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