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Custom Content Health Care

ER vs Urgent Care: How to Choose the Right Care for Your Medical Needs

All too often, illness or injury appears out of the blue: You wake up in the middle of the night with intense abdominal pain.  Or your baby spikes a high fever on the weekend. These situations are stressful and it’s hard to think when you’re under stress. But you need to decide where to go […]

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Compliance Employee Benefits Health Care

Gag Clause Attestation Deadline

As the year comes to an end, a crucial compliance deadline looms for employers with health plans. Under the Consolidated Appropriations Act (CAA), health plans and insurance issuers must submit a Gag Clause Compliance Attestation by December 31, 2024. Since its enactment in 2020, this regulation prohibits health plans from including gag clauses—provisions that limit […]

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Health Care Insurance

Health Insurance Basics: Part 3

Insurance Costs Consumers typically pay the following types of costs when they have insurance. Premium: The premium is an amount of money a consumer pays for a health insurance plan. The consumer and/or their employer usually make this payment bi-weekly, monthly, quarterly, or yearly. The premium must be paid regardless of how many services, if […]

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Custom Content Health Care

Benefits 101: Embedded vs. Non-Embedded Deductibles

Everyone needs health insurance but many people don’t fully understand it.  One important concept to understand is your deductible.  A deductible is the amount of money that must be paid for covered services before the health insurance company begins paying for expenses. For an individual plan, the deductible is straightforward.  But family plans are a […]

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Health Care Health Insurance

Health Insurance Basics: Part 2

Does a Health Plan Typically Pay for Services from Any Doctor? Not always. Some types of plans encourage or require consumers to get care from a specific set of doctors, hospitals, pharmacies, and other medical service providers who have entered into contracts with the plan to provide items and services at a negotiated rate. The […]

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Custom Content Health Care

Information Is Power – Be an Informed Healthcare Consumer!

With health care costs on the rise, it’s more important than ever to take responsibility for your medical care choices. Asking questions and researching your options are good ways to start taking control of how much you spend on health care. Becoming an educated healthcare consumer is important for making informed decisions about your health and […]

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Custom Content Health Care

Up and Away – Healthcare Costs Are Taking Off

Healthcare costs, and consequently employee health benefit costs, have been growing at an alarming rate in recent years. The U.S. as a nation spends more on health care than any other developed country but has worse health outcomes.  How is this possible? Four Key Factors Driving U.S. Healthcare Costs: Aging Population Healthcare gets more expensive […]

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Custom Content Health Care

5 Tips to Save Money on Health Care: Part 2

Smart spending can keep your health care from costing an arm and a leg.  With costs rising on everything from gas to food, every penny counts. It pays to shop smart – that is why it helps to learn how to take steps to limit your out-of-pocket health care costs. Save Money on Prescriptions Go […]

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