Generated by All in One SEO v5.0.0.1, this is an llms.txt file, used by LLMs to index the site. # Allpointe Allpointe ## Sitemaps - [XML Sitemap](https://www.allpointe.com/sitemap.xml): Contains all public & indexable URLs for this website. ## Posts - [Simple, easy, affordable access to legal services](https://www.allpointe.com/2022/09/legalshield/) - [Talkspace: text- and video-based therapy](https://www.allpointe.com/2022/09/talkspace/) - [Kaiser to cover cost of COVID-19 rapid antigen home tests](https://www.allpointe.com/2022/01/kaiser-to-cover-cost-of-covid-19-rapid-antigen-home-tests/) - While other carriers are still scrambling to respond to the federal mandate to cover up to 8 at-home rapid antigen tests per covered family member, per month, Kaiser is the first to provide complete guidance as of January 17th. From Kaiser: The highly contagious omicron variant continues to spread throughout our communities. Vaccination and boosters - [Meditation, mindfulness and mental health apps](https://www.allpointe.com/2020/04/meditation-mindfulness-and-mental-health-apps/) - Our Allpointe team put together a shortlist of some popular, app-based solutions for meditation, mindfulness and mental health - [Accessing health care from home: tele-health options](https://www.allpointe.com/2020/03/accessing-health-care-from-home-tele-health-options/) - There are probably a dozen good reasons to check out your medical plan's tele-health options right now - [CA Carrier FAQs: Common COVID-19 questions](https://www.allpointe.com/2020/03/ca-carrier-faqs-common-covid-19-questions/) - Can employees who have dropped to part-time or furloughed status remain on the plan? - [COBRA Developments (tl;dr)](https://www.allpointe.com/2020/06/cobra-developments-tldr/) - ERISA attorney: How to mitigate risk from black hole extensions to COBRA election and payment, use revised model notices, and avoid class action litigation. - [Remote Life Resources](https://www.allpointe.com/2020/06/remote-life-resources/) - A great public, collaborative resource list for managing your home- and remote-work life. Virtual fitness, activities for kids, and much more. - [Cafeteria Plan Developments: DOL Black Hole Deadline Extension](https://www.allpointe.com/2020/05/cafeteria-plan-developments-dol-black-hole-deadline-extension/) - If a claims or appeals submission deadline falls on a date that is inside the DOL’s black hole period, then the deadline is automatically extended - [Cafeteria Plan Developments: Over-the-Counter Items](https://www.allpointe.com/2020/05/cafeteria-plan-developments-over-the-counter-items/) - The recently-enacted CARES Act allows employees to use their healthcare FSA dollars for over-the-counter medicines and feminine hygiene products without a prescription. - [Cafeteria Plan Developments: Telemedicine](https://www.allpointe.com/2020/05/cafeteria-plan-developments-telemedicine/) - The recently enacted CARES Act amended Code Section 223 to deem telemedicine not disqualifying coverage for plan years beginning prior to December 31, 2021. - [Cafeteria Plan Developments: Increase in Maximum Carryover](https://www.allpointe.com/2020/05/cafeteria-plan-developments-increase-in-maximum-carryover/) - IRS Notice 2020-33 increases the maximum allowable carryover amount to 20 percent of the maximum salary reduction contribution under Code Section 125(i). - [Cafeteria Plan Developments: Relaxation of Grace Period Rules](https://www.allpointe.com/2020/05/cafeteria-plan-developments-relaxation-of-grace-period-rules/) - IRS Notice 2020-29 establishes a temporary extension of the maximum allowable time to incur new claims - [Cafeteria Plan Developments: Mid-Year Election Changes](https://www.allpointe.com/2020/05/cafeteria-plan-developments-mid-year-election-changes/) - IRS Notice 2020-29 gives employers the option of effectively waiving the mid-year election change requirements for five types of prospective election changes. - [Can we change health plans and FSA elections midyear? Should we?](https://www.allpointe.com/2020/05/can-we-change-health-plans-and-fsa-elections-midyear-should-we/) - [Counting Employees to Determine COBRA Status](https://www.allpointe.com/2019/12/counting-employees-to-determine-cobra-status/) - Most employers are well aware that there is a 20-employee threshold determining whether their group health plan is subject to federal COBRA or to state continuation coverage, such as Cal-COBRA. Far fewer employers are certain of exactly how to count to 20. - [A small business COVID-19 lifeline: CARES Act](https://www.allpointe.com/2020/03/a-small-business-covid-19-lifeline-cares-act/) - There is a extraordinary small business lifeline in the CARES Act, specifically the Paycheck Protection Program - [Still struggling with paper enrollment forms? Let's automate.](https://www.allpointe.com/2019/08/test-post-about-technology-isnt-it-great/) - Automate your benefits enrollment and administration. Integrate with payroll. - [Health Carrier Responses to COVID-19](https://www.allpointe.com/2020/03/health-carrier-responses-to-covid-19/) - On March 5, Governor Newsom directed California health insurance carriers to waive all patient costs related to testing for COVID-19 (novel coronavirus). - [Preparing to travel outside of Kaiser's service area?](https://www.allpointe.com/2019/07/preparing-to-travel-outside-of-kaisers-service-area/) - [You can now pay your Covered CA small business invoice online](https://www.allpointe.com/2019/02/it-took-5-years-but-you-can-finally-pay-your-covered-ca-small-business-invoice-online/) - [CARES Act restores OTC medications as eligible expenses](https://www.allpointe.com/2020/03/cares-act-restores-otc-medications-as-eligible-expenses/) - The CARES Act restores over-the-counter medications as eligible expenses for HSAs, Health FSAs and HRAs, without a prescription, retroactive to January 1, 2020. - [Cigna/Dignity Health Contract Ends January 1st](https://www.allpointe.com/2020/01/cigna-dignity-health-contract-ends-january-1st/) - Cigna and Dignity Health (Common Spirit Health) continue to negotiate a renewal, while their current contract ended January 1, 2020. - [Viewing a new company benefits document in Ease](https://www.allpointe.com/2020/01/viewing-a-new-company-benefits-document-in-ease/) - For small employers, this is an easy, streamlined way to maintain benefits compliance. - [Small business heath care tax credit: a mirage?](https://www.allpointe.com/2010/10/small-business-heath-care-tax-credit-a-mirage/) - [Friends of the Urban Forest: Potrero Hill Neighborhood Planting 8/27/16](https://www.allpointe.com/2016/07/friends-of-the-urban-forest-potrero-hill-neighborhood-planting-82716/) - [Accessing the BlueCard PPO network outside of California](https://www.allpointe.com/2018/01/accessing-the-bluecard-ppo-network-outside-of-california/) - [The San Francisco HCSO "loophole"](https://www.allpointe.com/2011/07/the-san-francisco-hcso-loophole/) - [Can an employer reimburse employees for individual health plans?](https://www.allpointe.com/2014/12/can-an-employer-reimburse-employees-for-individual-health-plans/) - [ALERT: Wages put into commuter benefits no longer an employer deduction.](https://www.allpointe.com/2018/02/those-wages-your-employees-put-into-commuter-benefits-no-longer-an-employer-deduction/) - [Weed is legal. Disclose your use on a life insurance application?](https://www.allpointe.com/2018/02/weed-is-legal-should-you-disclose-your-use-on-a-life-insurance-application/) - [SF Health Care Security Ordinance - Feb 2010 update](https://www.allpointe.com/2010/02/sf-health-care-security-ordinance-feb-2010-update/) - [Employees terminated in December will not be eligible for COBRA subsidy](https://www.allpointe.com/2009/12/employees-terminated-in-december-will-not-be-eligible-for-cobra-subsidy/) - [Immediate effects of health care reform on small business](https://www.allpointe.com/2010/04/immediate-effects-of-health-care-reform-on-small-business/) - [Anthem Blue Cross and Stanford Health resolve impasse](https://www.allpointe.com/2014/11/anthem-blue-cross-and-stanford-health-resolve-impasse-good-news-for-anthem-subscribers/) - [Kaiser Changing Policy on Employee Terminations Effective August 1](https://www.allpointe.com/2014/05/kaiser-changing-policy-on-employee-terminations-effective-august-1/) - [Allpointe Giving Away Tickets to Fund Raiser at Buffalo Billiards](https://www.allpointe.com/2014/05/allpointe-giving-away-tickets-to-fund-raiser-at-buffalo-billiards-may-22-2014/) - [San Francisco HCSO and the ACA - questions answered, more raised](https://www.allpointe.com/2013/11/san-francisco-hcso-and-the-aca-questions-answered-more-raised/) - [What To Do With This Blue Shield Rebate Check?](https://www.allpointe.com/2013/07/what-to-do-with-this-blue-shield-rebate-check/) - [Small group carriers offering "early renewal" December 1. Good idea?](https://www.allpointe.com/2013/08/small-group-carriers-offering-early-renewal-december-1-2013/) - [New Taxes on your Small Group Health Plan - Coming in 2014](https://www.allpointe.com/2013/10/1927/) - [Rebates coming to small business from Anthem and Blue Shield of California](https://www.allpointe.com/2013/06/rebates-coming-to-small-business-from-anthem-and-blue-shield-of-california/) - [Say Goodbye to the 90-day Waiting Period](https://www.allpointe.com/2013/06/say-goodbye-to-the-90-day-waiting-period/) - [Blue Shield of CA Switching to CVS for Pharmacy Management](https://www.allpointe.com/2016/11/blue-shield-of-ca-switching-to-cvs-for-pharmacy-management/) - [Blue Shield of CA and Sutter Health: Negotiating a new contract](https://www.allpointe.com/2016/10/blue-shield-of-ca-and-sutter-health-negotiating-a-new-contract/) - [Sutter & Health Net agree on new contract and Blue Shield contract expires](https://www.allpointe.com/2017/01/health-net-sutter-agree-on-new-contract-blue-shield-contract-expires-negotiations-continue/) - [Blue Shield Contract with Stanford Hospital Expires; Negotiations Continue](https://www.allpointe.com/2018/05/blue-shield-contract-with-stanford-hospital-expires-negotiations-continue/) - [Dept. of Labor: HRA's can not be used to reimburse individual health premiums](https://www.allpointe.com/2013/01/dept-of-labor-hras-can-not-be-used-to-reimburse-individual-health-premiums/) - [San Francisco HCSO - New Required Rates for 2013](https://www.allpointe.com/2012/09/san-francisco-hcso-new-required-rates-for-2013/) - [San Francisco HCSO 2015 reporting deadline: Extended to May 2nd](https://www.allpointe.com/2016/04/san-francisco-hcso-2015-reporting-deadline-april-30/) - [What do I do with my rebate check from Anthem Blue Cross?](https://www.allpointe.com/2012/08/what-do-i-do-with-my-rebate-check-from-anthem-blue-cross/) - [Guest opinion: Common wage and pay employer mistakes](https://www.allpointe.com/2012/08/guest-opinion-common-wage-and-pay-employer-mistakes/) - [Support local artists - join us at TASTE 2016](https://www.allpointe.com/2016/04/support-local-artists-join-us-at-taste-2016/) ## Pages - [Allpointe | SF Bay Area Employee Benefits Consulting](https://www.allpointe.com/) - [Client Login](https://www.allpointe.com/client-login/) - Helpful links for Allpointe customers: myhrsupportcenter login, HIPAA-compliant employee health benefits enrollment, and health benefits termination. - [Supplemental Benefit Plans](https://www.allpointe.com/supplemental-benefit-plans/) - Brad Vaccaro and Allpointe's employee benefits plan consultants have helped San Francisco area companies create health insurance plans since 2003. - [Safe Harbor Wine Storage Benefits Page](https://www.allpointe.com/shws-benefits/) - Brad Vaccaro and Allpointe's employee benefits plan consultants have helped San Francisco area companies create health insurance plans since 2003. - [Insights](https://www.allpointe.com/insights/) - The latest 2020 California Human Resources and Employee Benefits news and information from Allpointe Insurance Services. - [Frequently Asked Questions](https://www.allpointe.com/faqs-2/) - Brad Vaccaro and Allpointe's employee benefits plan consultants have helped San Francisco area companies create health insurance plans since 2003. - [Support Library](https://www.allpointe.com/faqs/) - [What We Do](https://www.allpointe.com/what-we-do/) - Allpointe helps SMBs with choosing health insurance plans, COBRA administration, as well as Wageworks and Zenefits integration in the State of California. - [Who We Help](https://www.allpointe.com/who-we-help/) - Allpointe works with Human Resource professionals, employee health Insurance implementers, and start up leaders across Sonoma, Marin, Oakland, and SF. - [About](https://www.allpointe.com/about/) - Brad Vaccaro and Allpointe's employee benefits plan consultants have helped San Francisco area companies create health insurance plans since 2003. - [Let's Talk](https://www.allpointe.com/contact/) - How to reach Allpointe Insurance Services in SF, Sonoma, Oakland, and Marin, California ## Portfolio - [Centered Gallery Full-Width](https://www.allpointe.com/portfolio/centered-gallery-full-width/) - [Sidebar Stack](https://www.allpointe.com/portfolio/sidebar-stack/) - [Sidebar Slides Full-Width](https://www.allpointe.com/portfolio/sidebar-slides-full-width/) - [Centered Slides](https://www.allpointe.com/portfolio/centered-slides/) - [Sidebar Gallery Full-Width](https://www.allpointe.com/portfolio/sidebar-gallery-full-width/) - [Sidebar Custom One](https://www.allpointe.com/portfolio/sidebar-custom-one/) - [Centered Stack](https://www.allpointe.com/portfolio/centered-stack/) - [Centered Slides Full-Width](https://www.allpointe.com/portfolio/centered-slides-full-width/) - [Sidebar Custom Two](https://www.allpointe.com/portfolio/sidebar-custom-two/) - [Sidebar Stack Full-Width](https://www.allpointe.com/portfolio/sidebar-stack-full-width/) - [Centered Custom Two](https://www.allpointe.com/portfolio/centered-custom-two/) - [Sidebar Gallery](https://www.allpointe.com/portfolio/sidebar-gallery/) - [Centered Stack Full-Width](https://www.allpointe.com/portfolio/centered-stack-full-width/) - [Centered Custom One](https://www.allpointe.com/portfolio/centered-custom-one/) - [Sidebar Slides](https://www.allpointe.com/portfolio/sidebar-slides/) - [Centered Gallery](https://www.allpointe.com/portfolio/centered-gallery/) ## Frequently Asked Questions - [How do I change my commuter benefit election?](https://www.allpointe.com/faqs/how-do-i-change-my-commuter-benefit-election/) - [We recently hired an employee; when will we receive their payroll deduction information?](https://www.allpointe.com/faqs/we-recently-hired-an-employee-when-will-we-receive-their-payroll-deduction-information/) - [What is a Dependent Care FSA plan?](https://www.allpointe.com/faqs/what-is-a-dependent-care-fsa-plan/) - [What happens to my commuter benefit funds if I leave my company?](https://www.allpointe.com/faqs/what-happens-to-my-commuter-benefit-funds-if-i-leave-my-company/) - [How do I submit employee changes (hire, termination, leave of absence)?](https://www.allpointe.com/faqs/how-do-i-submit-employee-changes-hire-termination-leave-of-absence/) - [What is a Healthcare FSA plan?](https://www.allpointe.com/faqs/what-is-a-healthcare-fsa-plan/) ## Custom Fonts - [Avenir Next Demi](https://www.allpointe.com/?bsf_custom_fonts=avenir-next-demi) - [Avenir Next](https://www.allpointe.com/?bsf_custom_fonts=avenir-next) ## Categories - [Strategy](https://www.allpointe.com/category/strategy/) - [Bay Area](https://www.allpointe.com/category/bay-area/) - [For Employees](https://www.allpointe.com/category/employees/) - [Compliance](https://www.allpointe.com/category/compliance/) - [News](https://www.allpointe.com/category/news/) - [Technology](https://www.allpointe.com/category/technology/) ## Tags - [health care legislation](https://www.allpointe.com/tag/health-care-legislation/) - [health care reform](https://www.allpointe.com/tag/health-care-reform/) - [health insurance](https://www.allpointe.com/tag/health-insurance/) - [small business health insurance](https://www.allpointe.com/tag/small-business-health-insurance/) - [covered ca](https://www.allpointe.com/tag/covered-ca/) - [individual health insurance](https://www.allpointe.com/tag/individual-health-insurance/) - [Cal-Cobra](https://www.allpointe.com/tag/cal-cobra/) - [COBRA](https://www.allpointe.com/tag/cobra/) - [state continuation coverage](https://www.allpointe.com/tag/state-continuation-coverage/) - [IRS](https://www.allpointe.com/tag/irs/) - [ab 1083](https://www.allpointe.com/tag/ab-1083/) - [blue shield](https://www.allpointe.com/tag/blue-shield/) - [hmo](https://www.allpointe.com/tag/hmo/) - [ppo](https://www.allpointe.com/tag/ppo/) - [sutter health](https://www.allpointe.com/tag/sutter-health/) - [MLR](https://www.allpointe.com/tag/mlr/) - [hcso](https://www.allpointe.com/tag/hcso/) - [san francisco](https://www.allpointe.com/tag/san-francisco/) - [cvs](https://www.allpointe.com/tag/cvs/) - [life insurance](https://www.allpointe.com/tag/life-insurance/) - [marijuana](https://www.allpointe.com/tag/marijuana/) - [HSA](https://www.allpointe.com/tag/hsa/) - [palo alto medical foundation](https://www.allpointe.com/tag/palo-alto-medical-foundation/) - [pamf](https://www.allpointe.com/tag/pamf/) - [stanford](https://www.allpointe.com/tag/stanford/) - [onboarding](https://www.allpointe.com/tag/onboarding/) - [payroll](https://www.allpointe.com/tag/payroll/) - [integration](https://www.allpointe.com/tag/integration/) - [benefits administration](https://www.allpointe.com/tag/benefits-administration/) - [Ease](https://www.allpointe.com/tag/ease/) - [benefits compliance](https://www.allpointe.com/tag/benefits-compliance/) - [covid-19](https://www.allpointe.com/tag/covid-19/) - [coronavirus](https://www.allpointe.com/tag/coronavirus/) - [telehealth](https://www.allpointe.com/tag/telehealth/) - [teleheath](https://www.allpointe.com/tag/teleheath/) - [telemedicine](https://www.allpointe.com/tag/telemedicine/) - [teladoc](https://www.allpointe.com/tag/teladoc/) - [remotecare](https://www.allpointe.com/tag/remotecare/) - [FSA](https://www.allpointe.com/tag/fsa/) - [HRA](https://www.allpointe.com/tag/hra/) - [mental health](https://www.allpointe.com/tag/mental-health/) - [meditation](https://www.allpointe.com/tag/meditation/) - [tele-health](https://www.allpointe.com/tag/tele-health/) - [remote care](https://www.allpointe.com/tag/remote-care/) - [kaiser](https://www.allpointe.com/tag/kaiser/) - [health benefits](https://www.allpointe.com/tag/health-benefits/) - [section 125](https://www.allpointe.com/tag/section-125/) - [cafeteria plan](https://www.allpointe.com/tag/cafeteria-plan/) - [benefit plan changes](https://www.allpointe.com/tag/benefit-plan-changes/) - [HDHP](https://www.allpointe.com/tag/hdhp/) - [DOL](https://www.allpointe.com/tag/dol/) - [virtual fitness](https://www.allpointe.com/tag/virtual-fitness/) - [remote work](https://www.allpointe.com/tag/remote-work/) - [remote life](https://www.allpointe.com/tag/remote-life/) - [ERISA](https://www.allpointe.com/tag/erisa/) - [talkspace](https://www.allpointe.com/tag/talkspace/) - [therapy](https://www.allpointe.com/tag/therapy/) - [therapist](https://www.allpointe.com/tag/therapist/) - [legal](https://www.allpointe.com/tag/legal/) - [pre-paid legal](https://www.allpointe.com/tag/pre-paid-legal/) - [legalshield](https://www.allpointe.com/tag/legalshield/) ## Docs Categories - [Payroll](https://www.allpointe.com/faqs/employers/payroll/) - [Eligibility](https://www.allpointe.com/faqs/employers/eligibility/) - [FSA, HSA, Commuter Benefits](https://www.allpointe.com/faqs/employers/fsa-hsa-commuter-benefits/) - [Ease Benefits Portal](https://www.allpointe.com/faqs/employers/ease/) ## Knowledge Base - [For Employers](https://www.allpointe.com/faqs/employers/) - [For Employees](https://www.allpointe.com/faqs/employees/)