Archive for Insurance’ Category


Feb

15

2018

Federal Employment Law Update – February 2018 | Houston Employee Benefits

IRS Releases Publication 15 and W-4 Withholding Guidance for 2018 On January 31, 2018, the federal Internal Revenue Service (IRS) released Publication 15 — Introductory Material, which includes the following: 2018 federal income tax withholding tables. Exempt Form W-4 New information on: Withholding allowance. Withholding on supplemental wages. Backup withholding. Moving expense reimbursement. Social Security and Medicare tax for 2018. Disaster tax relief. Read Publication…

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Benefits Easy: Intro to Self-Funding | Texas Benefits Advisors
Jan

30

2018

Benefits Easy: Intro to Self-Funding | Texas Benefits Advisors

As the first month of 2018 wraps up, companies have already begun the arduous task of submitting budgets and finding ways to cut costs for the new year. One of the most effective ways to combat increasing health care costs for companies is to move to a Self-Funded insurance plan. By paying for claims out-of-pocket instead of paying a premium to an insurance carrier, companies…

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Oral Health = Overall Health | TX Benefit Advisors
Jan

10

2018

Oral Health = Overall Health | TX Benefit Advisors

Have you heard the saying “the eyes are the window to your soul”? Well, did you know that your mouth is the window into what is going on with the rest of your body? Poor dental health contributes to major systemic health problems. Conversely, good dental hygiene can help improve your overall health. As a bonus, maintaining good oral health can even REDUCE your healthcare…

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Employee Benefit Plans and the House Republican Tax Reform Bill | Houston Benefit Advisors
Dec

1

2017

Employee Benefit Plans and the House Republican Tax Reform Bill | Houston Benefit Advisors

On November 2, 2017, House Republicans introduced a tax reform bill (H.R.1-115th Congress) called the “Tax Cuts and Jobs Act” that, if passed, would impact multiple aspects of the tax code. Many of these changes relate to employee benefit plans, particularly in relation to certain fringe benefits. Dependent Care Accounts A dependent care flexible spending account (DCFSA) is a pre-tax benefit account used to pay…

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How to Make the Most Out of Your FSA at Year-End | Houston Benefit Advisors
Nov

13

2017

How to Make the Most Out of Your FSA at Year-End | Houston Benefit Advisors

As 2017 comes to a close, it’s time to act on the money sitting in your Flexible Spending/Savings Account (FSA). Unlike a Health Savings Account or HSA, pre-taxed funds contributed to an FSA are lost at the end of the year if an employee doesn’t use them, and an employer doesn’t adopt a carryover policy.  It’s to your advantage to review the various ways you…

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PPOs Dominate Despite Savings with HMOs and CDHPs | Houston Benefit Advisors
Nov

10

2017

PPOs Dominate Despite Savings with HMOs and CDHPs | Houston Benefit Advisors

  The findings of our 2017 Health Plan Survey show a continuation of steady trends and some surprises. It’s no surprise, however, that costs continue to rise. The average annual health plan cost per employee for all plan types is $9,934, an increase from 2016, when the average cost was $9,727. There are significant cost differences when you look at the data by plan type….

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4 Things You Probably Don’t Know About Your Life Insurance at Work | Houston Benefit Advisors
Nov

6

2017

4 Things You Probably Don’t Know About Your Life Insurance at Work | Houston Benefit Advisors

For the first time ever, more Americans have employer-provided life insurance (108 million) than have individual life insurance coverage (102 million), according to a new LIMRA study. And while that statistic sounds good, it actually hides a few important facts you should understand. 1. There’s more to the stat than meets the eye. When you dig a little deeper into the study, you find that…

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2017 Health Plan Survey Shows Sharp Rise in Group Healthcare Premiums | Houston Benefit Advisors
Nov

3

2017

2017 Health Plan Survey Shows Sharp Rise in Group Healthcare Premiums | Houston Benefit Advisors

I’m happy to report that this year’s UBA Health Plan survey achieved a milestone. For the first time, we surpassed 20,000 health plans entered—20,099 health plans to be exact, which were sponsored by 11,221 employers. What we were able to determine from all this data was that a tumultuous Presidential election likely encouraged many employers to stay the course and make only minor increases and…

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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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