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When I sit down to compare health insurance plans, the two most important plan features I look at are the annual premium, of course, how much is that plan going to cost for the year, and then the annual plan maximum out-of-pocket benefit. This is one of the most important plan features to consider. Maximum Read More

Employee wellness programs for small businesses can absolutely be executed. Insurance carriers now offer so many resources for wellness. Talk to your benefits broker. Ask them what’s included in your benefits policy. And make sure that your employees are aware of the tools that are available to them just within their insurance carrier. And then Read More

There are a lot of different ways to deploy an employee wellness program. You could do something very simple. As far as maybe using the tools and the resources that your insurance carrier provides. Or you can take it all the way and put together a wellness team within your company. Plan competitive events like, Read More

Most vision plans do not cover LASIK. However, if you use their network, there are plans that will offer you a discount for that LASIK vision provider. So maybe you’ll get 25 percent off, 20 percent off of whatever they would standardly charge a patient for the surgery.

Hi, this is Connie Chiara with Corporate Benefit Partners. It is not a good idea to work with two benefit brokers at the same time. Here’s the reason why. In our Florida marketplace, we only have five primary health insurance carriers. When an RFP comes in from multiple brokers, the insurance carrier will issue the Read More

You can offer dental and vision plans voluntary, or you can have some employer contribution for them. They’re very affordable. So, if it’s $35 a month for a really good dental plan, most employees will opt to pay for that rather than having to worry about paying a thousand dollars throughout the year for a Read More

Hi, this is Connie Chiara with Corporate Benefit Partners. Let’s talk for just a minute about Employee Benefit Plan Compliance. Every year in September, employers are required to provide Medicare-eligible employees with a Medicare Part D Credible Coverage Notice. What exactly is a Medicare Part D Notice and why do we need to provide it Read More

Something else with dental and vision, a lot of times, the health insurance carriers who offer dental and vision plans will allow you at renewal time, for example, an extra discount off the health insurance premium if you’re offering dental and vision plans. So let’s just say an insurance carrier is going to offer two Read More

Hi, this is Connie Chiara with Corporate Benefit Partners. The Employee Benefits business is filled with acronyms. Let’s talk for a minute about healthcare reform and what it means to be an ALE. There are two provisions of the Affordable Care Act that apply only to Applicable Large Employers, or ALEs. The first provision is Read More

There’s some really good things happening in the dental marketplace that I think it’s important for people to know about. There’s a couple of carriers out there now that are offering what we call unlimited dental plans. So, if an employer offers this plan to employees, they can have as many crowns, as many bridges, Read More