Insurance

ACA, Benefit plans, Benefits, Blog, California Benefit Advisors, California Employee Benefits, Communication, DOL, Employees, Employers, ERISA, Health, Health care, Health insurance, HMO, Human Resources, Insurance, MLR

Ask the Experts: Medical Loss Ratio (MLR) Rebates


No Comments

Question: Our company received a rebate check from our health insurance carrier. As the employer, we pay the bulk of premiums, although employees who enroll for coverage do pay a portion of the cost. Are there restrictions on how we can use the rebate money? Answer: Yes, there are restrictions on using the rebate. The

Read More

Benefit plans, Benefits, Blog, Communication, Employee benefits, Employee Communication, Employees, Health, Health insurance, Health plans, Insurance, prescriptions, Videos

Looking Backward to Plan Forward


No Comments

As you look through enrollment options for 2019, remember to look back on 2018. Check out your spending on procedures and prescriptions, and which providers are in your network. This short video will give you some tips on how to plan forward for 2019.

Read More

Benefits, Blog, Communication, Coverage, Employee benefits, Employees, Employers, Health, Health care, Health plans, Insurance, Workplace

Do You Have Mixed Emotions about Open Enrollment?


No Comments

It’s typical to have mixed feelings about the annual benefits open enrollment period. Dread for the additional administrative workload and potential benefits cost increases… Anticipation of newer, more attractive, and easier to administer plans… It makes for a fall season that causes many HR professionals and benefits brokers to drown their misery in pumpkin spice lattes.

Read More

ACA, Affordable Care Act, Benefits, Blog, Coverage, Employees, Employers, Health, Health insurance, Health plans, Insurance, IRS

Is Your Health Plan Affordable for 2019?


No Comments

The Affordable Care Act’s employer shared responsibility provision — often called the employer mandate or “play or pay” — requires large employers to offer health coverage to their full-time employees or face a potential penalty. (Employers with fewer than 50 full-time and full-time-equivalent employees are exempt.) Large employers can avoid the risk of any play

Read More

Benefit plans, California Benefit Advisors, California Employee Benefits, Custom content, Health insurance, Insurance, Life Insurance

Look Backward to Plan Forward


No Comments

We have entered Open Enrollment season and that means you and everyone in your office are probably reading through enrollment guides and trying to decipher it all. As you begin your research into which plan to choose or even how much to contribute to your Health Savings Account (HSA), consider evaluating how you used your

Read More

Benefits, Blog, Employees, Employers, Health, Human Resources, Insurance, Life Insurance

5 Things to Know About Getting Life Insurance for Your Child


No Comments

We spend so much time talking about the reasons adults need life insurance (income protection, covering funeral costs and so on) that it’s easy to forget why it may be a good idea for you to insure your children as well. When we think about it, we reason that our kids aren’t contributing to the

Read More