Recent Posts

Women and Life Insurance

What’s the big deal about life insurance; and why is it so important to have and apply for it as early in life as you can? When it comes to life insurance, most women are vastly under-insured and don’t even realize it. Leaving their families in significant financial risk. Women need life insurance; now more … More

Penalties Increased for Section 6055 and Section 6056 Reporting Violations

Category: Blog

The Affordable Care Act (ACA) created new reporting requirements under Internal Revenue Code (Code) Section 6055 and 6056. These new reporting rules require certain employers to report information to the Internal Revenue Service (IRS) on the health coverage offered during the year. Related statements must also be provided to individuals. On June 29, 2015, President … More

How An In-Network Bill Becomes A Claim

Category: Blog

Doing your best to obtain medical care from in-network health care providers is important if you are worried about high medical costs. Here are the steps for how in-network coverage is provided during a medical visit: Provider The patient receives treatment. The doctor sends the bill to the insurance company (the address on the back … More

In-Depth Research: HR Audits

Category: Blog

What is an HR Audit? An HR audit is an objective, systematic review of a company’s HR policies, procedures, strategic direction, structure, resources, and ultimately, its contribution to the organization. Such an audit offers the opportunity to protect the company, establish best practices and identify areas for improvement, and can help evaluate whether specific practice … More

Understanding Your Explanation of Benefits (EOB)

Category: Blog

Have you ever received a piece of mail from your insurance company entitled “Explanation of Benefits” and just threw it away? Do not do it! After submitting a claim for medical treatment, you may receive an Explanation of Benefits (EOB) from your insurance company. The EOB is a form that insurance companies send to their … More

What You NEED to Know: Individual vs. Family Deductibles

Category: Blog

Health insurance is something that everyone should have, but it’s also something that many people don’t completely understand. One of the concepts that is essential to grasp is how your deductible works. There are two basic types of deductibles for family coverage, and knowing which one you have and how it works will help you … More

Is It Really An Emergency?

Category: Blog

More than 10 percent of all emergency room visits could have been better addressed in either an urgent care facility or a doctor’s office. If you’re suddenly faced with symptoms of a sickness or injury, how can you determine which facility is most appropriate for your condition? The Emergency Room (ER) Emergency rooms are equipped … More

Why Your Eligibility for Employer Health Coverage Can Change…..

Category: Blog

The Affordable Care Act (ACA) requires that applicable large employers offer health insurance coverage to full-time employees and dependents. Penalties are imposed on employers that do not offer required coverage and on employers that offer coverage that is considered unaffordable or does not provide minimum value. The employer penalty rule is also called the employer … More

Understanding Voluntary Benefits

Category: Blog

You know the importance of having health care coverage and a 401(k), but are you taking advantage of all the benefits your employer offers? Voluntary benefits are additional benefit options offered through the company. Unlike traditional benefits like health coverage, employees are responsible for paying most or all of the cost of these voluntary options. … More

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