Tag Archives: healthcare cost

More Critical Details

 For those who enrolled on the Marketplace for health insurance and who received a subsidy, please look over the list below. 1-      Those individuals who have health insurance available through an employer are not eligible for a subsidy.  Whether the employer provided plan is good or bad, availability of coverage is one of the knock […]

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Unpleasant Surprises

In our agency dealings we come across a lot of “gotchas” in many parts of the employee benefits picture. Whether our clients are individually enrolled or are part of employer based plans the surprises are very similar. Here are the latest unpleasant surprises we have run into: Many of us are not clear about non-emergency […]

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Prescription Review

The start of the Medicare Open Enrollment period is a scant two weeks away, so it is time for us to line up our pill bottles and prepare for our annual prescription review. Open enrollment for those of us under age 65 is a scant month away. Each year prescription formularies change for all carriers […]

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Copay Plan or High Deductible Plan

It may seem early to start discussing this, but open enrollments for health insurance will be approaching soon for many of us whether at work or through our personal plans. Health insurance deductibles continue to rise, premiums are certainly not coming down and between the two our budgets continue to be squeezed. Costs of coverage […]

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Case Study: First Renewal After the Affordable Care Act

Business has improved, but what can an employer do when their health insurance premiums go up over 45% at renewal on a budget that already exceeded $300,000 per year? One of our clients recently received their first renewal since the implementation of the Affordable Care Act and this is what they faced. Traditional options were […]

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