Archive for Employer News’ Category

Emergency vs. Urgent – What’s the Difference in Walk-In Care? | Houston Benefit Advisors
Sep

29

2017

Emergency vs. Urgent – What’s the Difference in Walk-In Care? | Houston Benefit Advisors

We’ve all been there – once or twice (or more)—when a child, spouse or family member has had to gain access to healthcare quickly. Whether a fall that requires stitches; a sprained or broken bone; or something more serious, it can be difficult to identify which avenue to take when it comes to walk-in care. With the recent boom in stand-alone ERs (Emergency Care Clinics…

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6 Reasons People Don’t Buy Life Insurance (and Why They’re Wrong) | Houston Benefit Advisors
Sep

25

2017

6 Reasons People Don’t Buy Life Insurance (and Why They’re Wrong) | Houston Benefit Advisors

Let’s face it. Most people put off buying life insurance for any number of reasons—if they even understand it Take a look at this list—do any of them sound like you? 1. It’s too expensive. In the ever-burgeoning budget of a young family, things like day care and car payments and possibly student loans eat up a good chunk of the money each month, and…

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Court Remands Wellness Regulations to EEOC for Reconsideration | Houston Benefit Advisors
Sep

22

2017

Court Remands Wellness Regulations to EEOC for Reconsideration | Houston Benefit Advisors

On August 22, 2017, the United States District Court for the District of Columbia held that the U.S. Equal Employment Opportunity Commission (EEOC) failed to provide a reasoned explanation for its decision to adopt 30 percent incentive levels for employer-sponsored wellness programs under both the Americans with Disabilities Act (ADA) rules and Genetic Information Nondiscrimination Act (GINA) rules. The court declined to vacate the EEOC’s…

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The Risk of Being Uninsured (and the Hidden Bargain in Addressing It Now) | Houston Benefit Advisors
Sep

20

2017

The Risk of Being Uninsured (and the Hidden Bargain in Addressing It Now) | Houston Benefit Advisors

With all the expenses of everyday living, it’s tempting to think of insurance as just another cost. What’s harder to see is the potential cost of not buying insurance—or what’s known as “self-insuring”—and the hidden bargain of coverage. The Important vs. the Urgent We’ve all experienced it: the tendency to stay focused on putting out fires, while never getting ahead on the things that really…

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Understanding EAP Confidentiality | Houston Benefit Advisors
Sep

9

2017

Understanding EAP Confidentiality | Houston Benefit Advisors

When it comes to Employee Assistance Programs, confidentiality is a concern for both employers and employees. As an employer, it is helpful to understand the terms and processes your EAP uses to keep information confidential and ensure that your employees and your workplace are safe. The Health Insurance Portability and Accountability Act (HIPAA) rules apply to EAPs and their affiliate providers. All information that is…

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What You Need to Know about Health Flexible Spending Accounts | Houston Benefit Advisors
Sep

6

2017

What You Need to Know about Health Flexible Spending Accounts | Houston Benefit Advisors

A health flexible spending account (FSA) is a pre-tax account used to pay for out-of-pocket health care costs for a participant as well as a participant’s spouse and eligible dependents. Health FSAs are employer-established benefit plans and may be offered with other employer-provided benefits as part of a cafeteria plan. Self-employed individuals are not eligible for FSAs. Even though a health FSA may be extended…

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The COBRA Payment Process | Houston Benefit Advisors
Aug

29

2017

The COBRA Payment Process | Houston Benefit Advisors

The Consolidated Omnibus Budget Reconciliation Act of 1985 (COBRA) allows qualified beneficiaries who lose health benefits due to a qualifying event to continue group health benefits. The COBRA payment process is subject to various rules in terms of grace periods, notification, premium payment methods, and treatment of insignificant shortfalls. Grace Periods The initial premium payment is due 45 days after the qualified beneficiary elects COBRA….

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Separating Fact From Fiction When It Comes to Long-Term Care Insurance | Houston Benefit Advisors
Aug

23

2017

Separating Fact From Fiction When It Comes to Long-Term Care Insurance | Houston Benefit Advisors

Few people are prepared to handle the financial burden of long-term health care. In fact, many people have a false sense of security when it comes to long-term care. Let’s separate fact from fiction: “Medicare and my Medicare supplement policy will cover it.” FACTS: Medicare and “Medigap” insurance was never intended to pay for ongoing, long-term care. Only about 12% of nursing home costs are…

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Aug

17

2017

Strategic benefits communication: Five key steps to success this open enrollment season | Houston Benefit Advisors

In previous posts, I have talked about several aspects of strategic benefits communication. Now it’s time to put those strategies into action. As we approach enrollment season, let’s look at five key steps to ensuring this year’s open enrollment is successful for you and your employees. 1. Determine your key objectives What do employees need to know this enrollment season? As you review your benefit…

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Jul

28

2017

Employer Strategies for Managing Prescription Drug Costs | Houston Benefit Advisors

Modern medicines have resulted in longer, more productive lives for many of us. Prescription drugs soothe sore muscles after a strenuous workout or manage the conditions of a chronic disease. Unfortunately, this use of prescriptions drugs can come with a hefty price tag. Americans are spending more money on prescription drugs than ever before and the United States as a nation spends more per capita…

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