News Alerts

Your Health Insurance: Tierful Prescription Drug Coverage?

October 14, 2014 Ellen Breslow

For most individuals, it’s open enrollment season. Bombarded with words like deductible, coinsurance and formulary, employees will be comparing their employer sponsored plan offering with an eye towards selecting an alternative, better coverage for 2015. An employer may only offer one plan; another employer several. One important component that is present in almost all employer… Continue reading Your Health Insurance: Tierful Prescription Drug Coverage?

News Alerts

Your Open Enrollment Shopping List

September 21, 2014 Ellen Breslow

In a few short weeks, open enrollment will be upon us, and with it, an encyclopedia of information on 2015 employer sponsored benefit opportunities. Health care will occupy many pages of this vast document. Whether the volume of this information will make it easier to understand remains to be seen, but it is critical that… Continue reading Your Open Enrollment Shopping List

News Alerts

Coming Soon: HMO, PPO, EPO, POS and ACA

September 3, 2014 Ellen Breslow

In a few short weeks, October will be upon us and with it, the Open Enrollment season for employee benefits. In addition to the alphabet soup of health insurance coverage options, there are new provisions of the ACA to consider. Selecting a plan from these options has become increasingly difficult as the provisions seem to… Continue reading Coming Soon: HMO, PPO, EPO, POS and ACA

News Alerts

Your Tuition Dollars at Work: Health Insurance

July 28, 2014 Ellen Breslow

Sticker shock. That’s what many parents are feeling when they open an email to find that their child’s annual college tuition is over $60,000 annually. And it’s not just a handful of schools. Tuition and expenses have exceeded the $60,000 for the 2014-15 school year at many private colleges and universities. Is health care a… Continue reading Your Tuition Dollars at Work: Health Insurance

News Alerts

Affordable Care Act Penalty Tax: Yes, No, Maybe?

July 20, 2014 Ellen Breslow

If an individual or family decides to forego health insurance, is there a penalty tax? What is the exact figure? It seems that computing this tax may be a bit more complicated than has been portrayed in many publications. Who precisely is subject to this tax and when is it assessed? The Obamacare individual mandate… Continue reading Affordable Care Act Penalty Tax: Yes, No, Maybe?

News Alerts

Is Your Health Insurance Plan Special?

July 8, 2014 Ellen Breslow

It may be if it covers specialty drugs. Why is this an important component of a health insurance plan? You checked the drug formulary: no problem. Everything is covered. Be careful. Prescription drugs have long been an important component of any health insurance plan. Most prescriptions (primarily generic substitutes) in employer sponsored plans have a… Continue reading Is Your Health Insurance Plan Special?

News Alerts

Who is Really Paying for Health Care: Four Myths

July 5, 2014 Ellen Breslow

Is anyone really sure who is paying for healthcare? Who paid before the Affordable Care Act? Who is paying for it now? Let’s see if we can clarify this for everyone…. Premiums are fully paid though my paycheck for my employer sponsored plan.Unlikely. Probably not even close. Last year, the average cost of family coverage… Continue reading Who is Really Paying for Health Care: Four Myths

News Alerts

SHOPping for Health Insurance? May Be Slim Pickings

June 12, 2014 Ellen Breslow

Small business owners who have been waiting to purchase health insurance through the Small Business Options Program (SHOP) exchanges for 2015 may find their selection of plans to be limited to one plan only. Although these small business exchanges will officially open for business in November, not all will offer a broad selection of plans.… Continue reading SHOPping for Health Insurance? May Be Slim Pickings

News Alerts

Check Your Health Insurance at the Reference Library

May 30, 2014 Ellen Breslow

If you’re a participant in an employer sponsored health plan, you may begin to see “reference pricing” as a component of your health insurance coverage. Does this mean that policyholders consult reference materials to learn about coverage? Not exactly, but the concept of reference pricing, which was given the green light by the Obama administration,… Continue reading Check Your Health Insurance at the Reference Library

News Alerts

You’re a College Grad! Now What About Your Health Care?

May 12, 2014 Ellen Breslow

You’re a newly minted college grad or a parent of a grad. Congratulations! You have begun working, expect to begin working soon, or are out job hunting. Maybe graduate school. Or whatever comes next. Lots to think about as you contemplate your next steps. Health insurance is probably NOT high on the list. So many… Continue reading You’re a College Grad! Now What About Your Health Care?

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Category: News Alerts

Your Health Insurance: Tierful Prescription Drug Coverage?

Your Open Enrollment Shopping List

Coming Soon: HMO, PPO, EPO, POS and ACA

Your Tuition Dollars at Work: Health Insurance

Affordable Care Act Penalty Tax: Yes, No, Maybe?

Is Your Health Insurance Plan Special?

Who is Really Paying for Health Care: Four Myths

SHOPping for Health Insurance? May Be Slim Pickings

Check Your Health Insurance at the Reference Library

You’re a College Grad! Now What About Your Health Care?