Understanding the Individual Mandate
We have all heard about it, but what is it exactly, and how can it affect you? Being a broker that deals with group insurance, I thought I would never …
Formulary versus Non-Formulary Prescription Drugs
Formulary versus Non-Formulary Prescription Drugs – What is the Difference? There always comes a point where, while looking down your health insurance policies summary of benefits (normally HMOs), you come …
Adding a Wellness Program to Your Business
Wellness Programs help relieve worker stress, decrease bad habits, and increase productivity in the workplace. Best of all perhaps? It can save everyone money on their medical bills. The epidemic …
What are Mail Order Prescriptions
Do you have a Chronic Condition that requires Medication? Do you also enjoy Saving Money? When you look at your summary of benefits in your health insurance plan, you will …
The Pros and Cons of Preferred Provider Organizations – PPOs
What the employer and employees should know before getting into a PPO plan The heading to this post may seem a bit ominous, but the truth about Preferred Provider Organizations …
The Benefits of Health Maintenance Organizations – HMOs
The Benefits of Health Maintenance Organizations (HMOs) – Why Employers should think about offering HMO’s to their employees. In the world of health insurance, there are several types of plans …
What is the difference between Urgent Care and the Emergency Room?
So, what exactly is the difference between Urgent Care and the Emergency Room? One of the great loves of my existence is exercise; I have participated in rowing, cross-country, swim, …
Coinsurance vs Copay
What to know about Coinsurance vs Copay to be informed. Looking through the benefits statement of some health care plans can be daunting, especially if you are looking at them …