Articles and Education
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medicare
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Medicare Part D Notices Are Due Before Oct. 15, 2021
Medicare Part D Notices Each year, Medicare Part D requires group health plan sponsors to disclose to individuals who are eligible for Medicare Part D and to the Centers for Medicare and Medicaid Services (CMS) whether the health plan’s prescription drug coverage is creditable. Plan sponsor
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Medicare Part C/Medicare Advantage
What is Medicare Part C? Medicare Part C, also known as Medicare Advantage, is a collection of health plan options with approved Medicare benefits offered by private companies. Medicare Part C is available in many areas of the country. The premium for Medicare Part C is not based on hea
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Medicare Part A FAQ
What is Medicare Part A? Medicare Part A is hospital insurance for in-patient services. Three groups of people are eligible for Medicare Part A: people 65 years and olderpeople under 65 years with certain disabilitiesand people of any age with End-Stage Renal Disease.
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Compare Medicare Plans
Comparing Medicare Plans Comparing Medicare plans can be confusing. If you’re looking at Medicare options without the help of an agent, keep the following things in mind when comparing your options. Talk to one of our advisors if you have any questions. Coverage vs. Budget When you are d
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What is Medicare Part B?
Many new Medicare enrollees have questions about Part B. We've addressed the most commonly asked questions about Part B. What is Medicare Part B and what does it cover? Medicare Part B is the portion of Medicare that covers doctor visits and outpatient care. This includes outpatient medical
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Medigap vs. Medicare Advantage
Estimated reading time: 3 minutes Choosing the Right Plan When enrolling in Medicare, you have choices to enhance your plan. You can keep original Medicare, add a Medicare Supplement, or enroll in a Medicare Advantage plan. Original Medicare has no max out of pocket limits. So if you have a $100
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How to Enroll in Medicare
Estimated reading time: 3 minutes How to Enroll in Medicare Many people wonder how to enroll in Medicare. Enrolling in Medicare is simple - your cards will be automatically mailed out to you three months before you turn 65, or in the 25th month you receive disability benefits. If you are not
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Understand Medicare Basics
Medicare is the United States' health insurance program for people age 65 and older, have disabilities, or have permanent renal failure. Here is a brief breakdown of the different parts of Medicare and what they cover. Give us a call or schedule a time to talk to one of our advisors if you are fee
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Group
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Medicare Part D Notices Are Due Before Oct. 15, 2021
Medicare Part D Notices Each year, Medicare Part D requires group health plan sponsors to disclose to individuals who are eligible for Medicare Part D and to the Centers for Medicare and Medicaid Services (CMS) whether the health plan’s prescription drug coverage is creditable. Plan sponsor
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Preparing for Open Enrollment With a Hybrid Workforce
With open enrollment season approaching, now’s the time for HR professionals to kick off their planning. Due to the pandemic—and employees’ desire for flexibility—many employers now find themselves with a workforce on a hybrid schedule. It’s imperative they make appropriate adjustments to
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August 2021 Wellness Newsletter
August 2021 Wellness Newsletter - Live Well, Work Well This excerpt is an example of the wellness resources we send out to the employers that we work with. We give our employers the tools they need to provide value to their employees. We go above and beyond for the companies that we work with. I
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2022 Open Enrollment Checklist
To prepare for open enrollment, group health plan sponsors should be aware of the legal changes affecting the design and administration of their plans for plan years beginning on or after Jan 1, 2022. Employers should review their plan documents to confirm that they include these required changes.
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American Rescue Plan Act COBRA Subsidy Q&A
On July 26, 2021, the IRS issued Notice 2021-46, providing additional guidance on the application of the American Rescue Plan Act (ARPA) subsidy for continuation health coverage under the Consolidated Omnibus Budget Reconciliation Act of 1985 (COBRA) in the form of 11 questions and answers. You can
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Stay Safe in the Sun
Stay safe in the sun! This excerpt is an example of the monthly newsletters we send out to all our companies, so they can provide additional value to their employees. We go above and beyond for the companies that we work with. If you have any questions about your employee benefits, visit our page H
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Supporting Working Parents Post-Pandemic
Even before the COVID-19 pandemic, many working parents struggled to balance work and home life. As employees look ahead to life after the pandemic, the challenges of pulling double duty will likely remain. It will be vital for your company to discuss how to support working parents. 60% of work
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Structuring Group Health Insurance Benefits
The Complete Guide to Employee Benefits Introduction In this guide, you’ll learn key strategies for structuring your employee health benefits, important cost containment strategies your company can implement to reduce your claims and renewal rates, the most desired employee benefits, and the avera
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Containing Medical Costs
Estimated reading time: 4 minutes Cost Containment Solutions Rate increases are driven by demographics, medical inflation, but mostly from claims. We have multiple avenues for containing your claims costs. We have strategies you can use to contain costs, but to a degree, rising healthcare co
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Life
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A Life Insurance Guide for New Parents
Estimated reading time: 4 minutes Having a baby changes everything. If you’re thinking about starting a family soon, there’s lots to consider. Even if you aren’t a parent yet, life insurance shouldn’t be on the backburner. With a growing family, it’s important to understand the ins an
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Is Employer Sponsored Life Insurance Enough?
Estimated reading time: 2 minutes Is your employer provided life insurance coverage enough? Many companies offer life insurance as an employee benefit, but these policies may only provide a fraction of the coverage you actually need. Spoiler: It’s probably not enough Empl
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Life Insurance for Homeowners
Estimated reading time: 3 minutes Own a home? You might need life insurance. Owning a home can be one of the largest financial obligations you may have in life. If something unexpected happened to you, your mortgage could quickly become unaffordable for your partner, or any co-signers. That’
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Supplemental
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Critical Illness Policies Explained
Critical illness coverage is a supplemental insurance policy that pays a lump sum check for a diagnosis of a critical illness. This is a great option to add to your health insurance, whether you’re covered in the private market, through an employer health insurance plan, or even Medicare. The
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Enhance Your Health Insurance Plan with Supplemental Coverage
Estimated reading time: 3 minutes Why Supplemental Coverage Medical bills are the #1 reason for bankruptcies in America. Even people WITH health insurance coverage may have trouble paying their medical bills, but supplemental insurance can help. Many people have to claim bankruptcy due to a
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The Most Common Causes of Bankruptcy
Estimated reading time: 6 minutes The following article was originally published on Investopedia, and it reviews the most common causes of bankruptcy. Medical expenses is the top reason for bankruptcy in America. In the event of a large medical claim due to a hospitalization or accident there ar
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Why You Need Disability Insurance
Estimated reading time: 4 minutes This article was originally published on SmartAboutMoney. Contact one of our advisors for more information about disability insurance. Why You Need Disability Insurance Disability insurance provides a source of income to people who are unable to work due
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Enjoy premium online gameplay at StayCasino, with top-quality slots, engaging promotions, and a loyalty program that rewards dedicated players.
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Experience modern online gaming at Winport, offering competitive tournaments, a wide variety of pokies, and mobile-friendly design for play anytime, anywhere.