CBJ_082013

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CO-WORKING SPACE NOW OPEN IN CARLSBAD Get Smart Web launches space to help businesses grow.

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INCUBATOR HAS LAUNCHED

City celebrates opening of new effort to grow the area's science industry.

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BUSINESS WWW.CARLSBAD.ORG

JOURNAL

VOL. 30, NO. 8

ARE YOU READY?

Employer Benefits Resource & Insurance Services

Health Care reform is on the horizon

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t has been more than three years since President Barack Obama signed the Affordable Care Act (ACA) into law. While some of its provisions — including free preventative care services and requiring insurance agencies to cover children up to the age of 26 in the policies of their parents — have already been enacted, the bulk of the law is scheduled to go into effect on Jan. 1, 2014. On that day, all Americans will be required to have health insurance, and health care exchanges, the state-regulated marketplaces that will offer health care plans, will become

effective. These include Covered California, our state exchange, which will open its enrollment on Oct. 1. The start of the year also marks the start of the ACA provisions that ban insurers from denying coverage to those with pre-existing conditions and those that expand Med-Cal to cover those whose income is up to 133 percent of the federal poverty level. The Carlsbad Chamber of Commerce is helping its members get a better understanding of the law. We’ve reached out to experts in the health care and health insurance fields to answer some of the pressing questions about the law.

UPCOMING CHAMBER EVENT “Are You Ready? Preparing your Business for Health Care Reform” An introduction to the state of California’s insurance exchange, Covered California.

WHEN

HEALTHCARE REFORM

7:30-9:30 a.m. Wednesday, Sept. 4

WHERE Tri-City Wellness Center, 6250 El Camino Real, Carlsbad

SEE AWARDS Page 6 PRESORT STD U.S. Postage PAID Permit #67 Carlsbad, CA

The Symposium will feature a breakfast, a session on how the ACA will impact businesses by TriCity Medical Center CEO Larry B. Anderson and a panel discussion on the law featuring representatives from Covered California and the fields of insurance, law and patient care. Limited to first 100 RSVPs To RSVP for the seminar, visit www.carlsbad.org or call 760-931-8400.

BILL KING

President William J. King & Associates Insurance Services, Inc.

IRMA COTA

President & CEO North County Health Services

CHRIS VAN GORDER

President and CEO Scripps Health

CHRISTOPHER KIRKLAND

Benefits Consultant/Licensed Agent Kirkland Insurance Services, Inc.

JIM MORRISON

President/CEO Morrison Insurance Services, Inc.

Q. How will ACA affect me as a business owner? CLETA FREDRICKSEN: If a company has 50-plus employees, ACA will require the company to offer a qualified health care plan for its employees. If a company has less than 50 employees, there are no penalties for not offering a medical plan. Employees will be subject to the mandates of the ACA. If a company has less than 50 employees and does offer a medical plan, the plan must meet the minimum requirements or be subject to penalties, currently delayed until 2015.

SEE HEALTH CARE Q&A Page 11

BUSINESS SPOTLIGHT

Creative Bube Tube comes to Carlsbad Award-winning Canadian ad agency adds local office

5934 Priestly Drive Carlsbad, CA 92008

ASK THE EXPERTS

CLETA FREDRICKSEN

Awards added to this year's city luncheon Business and community leaders will come together to hear an update on Carlsbad’s state of affairs directly from Mayor Matt Hall at the 2013 State of the City Luncheon, taking place from 11 a.m. to 1:30 p.m. on Friday Aug. 23. The luncheon will take place at the Sheraton Carlsbad Resort and Spa, 5480 Grand Pacific Drive. Mayor Hall will be speaking about the things the City of Carlsbad is doing to create jobs and a strong local economy and highlight the transformation of city government and community partnerships. In a video produced for the event, Mayor Hall and council members share their vision for Carlsbad as a world class city which includes economic development, talent attraction, higher education and investments in the Village. City projects and programs are highlighted including the new traffic management center which makes it possible to synchronize traffic lights and reduces red light wait times, new technology and renovation of the city libraries, livable streets, the South Carlsbad Coastal Corridor project and Alga Norte Community Park. New this year, the event will include a special presentation of awards from the Carlsbad Chamber of Commerce, the event organizer. The Chamber will bestow the Trendsetting Leadership Award to the City of Carlsbad, honoring it for the “pay for performance” provision that the city negotiated with the Carlsbad City Employees’ Association, which covers 331 non-management

AUGUST 2013

AN AWARD-WINNING, MONTHLY PUBLICATION OF THE CARLSBAD CHAMBER OF COMMERCE

Creative Bube Tube, an award-winning ad agency, has opened its sixth site in Carlsbad. CEO and founder Jenny Munford, who was awarded Canadian Woman Entrepreneur of the Year in 2011, started the company seven years ago. Since then, she has expanded her execution network to San Francisco, Atlanta, Toronto, Calgary, Vancouver and now, Carlsbad. “Carlsbad is a beautiful and creatively inspiring city – the perfect location for any agency founded on top notch ideation and brainstorming,” Munford said. “What’s more – thanks to its sunny, west coast location, the weather is fantastic and what could be better for yearround, outdoor commercial filming?” Creative Bube Tube is a full-service agency with inhouse production capabilities that can strategize, design, produce and measure the results for every integrated

SEE AGENCY Page 11


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