News & Events

Thursday, November 9th

November 2017 Newsletter

If you haven’t heard yet, we are raising funds for the Hearst Cancer Resource Center with a No-Shave November Campaign. You can read all about it (and other great articles) in the November edition of our M&G|exposure Newsletter!


Wednesday, November 1st

M&G’s No-Shave November

The men of M&G are on a mission to grow cancer awareness and raise funds for the Hearst Cancer Resource Center at Dignity Health French Hospital Medical Center. Be it a mustache, a full beard, or just their best effort – our guys will be putting down their razors for a good cause.

If you would like to support, any and all donations are welcome and appreciated.  Simply click on the mustached logo below. We will be posting progress photos throughout the month, so be sure to check back in!

Let the growing begin!


Friday, October 13th

Justin Maire Becomes Newest M&G Shareholder

We are thrilled to announce that Justin Maire has officially become a shareholder of Morris & Garritano! Justin started his career at the agency 13 years ago and lives our core values each and every day. He has had great success over that time building relationships in our community and has proven to be a key stakeholder in our company. Please help us in congratulating Justin on this great accomplishment!


Thursday, October 12th

October 2017 Newsletter

It’s officially fall! Do you know what that means? It means pumpkin spice everything! Oh, and our October edition of the  M&G |exposure is ready for you! While not everyone is a pumpkin spice fan, we hope you are all fans of our newsletter. Check out some of the great articles featured this month.


Thursday, October 12th

America’s Overall Best Agency to Work For!

We are so proud and so excited to announce that Morris & Garritano has been named America’s Overall Best Agency to Work For by Insurance Journal! It is our employees’ hard work, compassion, dedication, and commitment to our Core Values that really makes M&G the special place that it is. Nothing makes us happier than employees who love what they do!
A huge thank you to our clients for allowing us to serve you over the years and a huge thank you to our employees for being the amazing people that you are!

Check out the full article from Insurance Journal.


Friday, September 15th

Medicare Creditable Coverage Notice Requirements

Medicare Part D: Plan Sponsors Must Provide Notices to Participants by October 15, 2017

DISCLOSURE TO INDIVIDUALS – Group health plan sponsors must provide Medicare Part D creditable coverage notices prior to October 15th, the start date of the Medicare annual enrollment period for Part D, Prescription Drug coverage. The enrollment period is October 15th – December 7th. Most plan sponsors customize the Model Medicare Part D Notices provided by the Centers for Medicare and Medicaid Services (CMS) to notify affected plan participants. The October 15th deadline applies for all group health plan sponsors that offer prescription drug benefits, regardless of plan year, plan size, employer size, grandfather status, or whether the plan is insured or self-funded.
 
The purpose of the disclosure is to inform Medicare beneficiaries of whether the employer’s drug coverage is expected to provide coverage comparable to the Medicare Part D prescription drug coverage. Medicare-eligible employees should keep the creditable coverage notice for future reference. If a Medicare-eligible employee or dependent becomes eligible for Part D and decides not to enroll because he or she has employer-sponsored coverage, a creditable coverage notice allows them to enroll in Part D later without being charged a higher premium. For individuals enrolled in a non-creditable drug plan, failure to enroll in Part D when first eligible will result in higher premium if they enroll in Part D later.
 
The Notice of Creditable Coverage must be distributed to all individuals enrolled in an employer’s group health plan that fall within one of the following categories:
     
  1. Active employees or COBRA participants over age 65 entitled to Medicare (Part A and/or B)
  2. Spouses of active employees over age 65 entitled to Medicare (Part A and/or B)
  3. Dependent children of active employees entitled to Medicare (Part A and/or B) regardless of age
  4. Retirees over age 65 entitled to Medicare (Part A and/or B)
  5. Spouses of active employees and/or retirees entitled to Medicare (Part A and/or B)
  6. Dependent children of a retiree entitled to Medicare (Part A and/or B) regardless of age

MODEL NOTICES – CMS provides model creditable coverage notices on their website. Model notices are available in both English and Spanish. Plan sponsors are not required to use the model notices. They can choose to draft their own notice as long as it contains all of the legally required elements. Morris & Garritano can provide an editable model notice that satisfies the CMS requirements.

ELECTRONIC DISTRIBUTION – Disclosures and required notices must be furnished in a manner reasonably calculated to ensure actual receipt of the material. Employers can distribute these notices electronically to participants who have the ability to access electronic documents at their regular place of work as long as those participants have access to the electronic information system on a daily basis as part of their work duties. Employers can distribute electronically under these circumstances without the participant’s consent.
 
Participants (including active employees, retirees, and former employees) who do not use a computer as an integral part of their duties must affirmatively consent to receiving disclosures through electronic media, including methods not contemplated by current regulations (e.g. online benefit administration platforms).
 
In all cases, participants must be informed that they are responsible for providing a copy of the electronic notice to their Medicare-eligible dependents covered under the group health plan.
 
DISCLOSURE TO CMS – Employers are also required to notify CMS online annually that they have sent out these Part D notices. The notice to CMS is due within 60 days after the start of the plan year, or no later than March 1 for calendar year plans.
 
Contact Morris & Garritano Director of Compliance Keith Dunlop for further information regarding this or any other health care compliance issue.

Monday, September 11th

September 2017 Newsletter

Just as the school year is starting back up, we thought this would be a good opportunity to get back to some of the basics,  a little “Insurance 101”, if you will.  This issue of M&G | exposure provides some great base knowledge about insurance elements important to your business – ACA, medicare, liability, experience modification, flood insurance – as well as some ongoing educational opportunities you don’t want to miss. And, as always, give us a call if you want to learn more!


Friday, August 25th

M&G Named One of the Fastest Growing Private Companies in America

We are so excited to announce being named one of Inc. 5000’s Fastest Growing Private Companies in America! It is a great accomplishment and an honor to be recognized with so many other great businesses, including several others along the Central Coast.

Thank you to our employees – you are the heart and soul of M&G. And, of course, a huge thank you to all of our  wonderful clients. We feel privileged to be able to serve you everyday and to be part of the amazing communities in SLO and Santa Maria.

Inc. 5000’s Fastest Growing Private Companies in America


Thursday, August 10th

August 2017 Newsletter

Can you believe it’s already August? It seems like this year has flown by. Make sure to take some time out of your day to relax and enjoy the little things in life – like our M&G | exposure Newsletter!


Thursday, July 20th

July 2017 Newsletter

Our July edition of M&G | exposure is ready for you! Are you ready for it? Take a look inside for some important information about the new Form I-9 and what’s going on in health care.