Is Your Healthcare Considered Preventive?

Although the Affordable Care Act (ACA) requires health insurers to cover most preventive care, the definition of this term remains unclear. “A lot of consumers, doctors, and pharmacists don’t know what’s required,” says Judy Waxman, vice president of health and reproductive rights with the National Women’s Law Center. To avoid surprise costs, healthcare experts recommend… Read more »

Business Insurance 101

Shopping for business insurance doesn’t have to be a daunting task.  Sure, the terminology and general language can seem foreign to those never dealing with it before, or even having some experience. One easy way to break it down to the basics is to remember all business insurance covers one of four things; liability, property, persons, or… Read more »

Flu Prevention Tips to Help Keep Employees Healthy

Every year, without fail, flu season hits. While the influenza virus poses high health risks for individuals, an outbreak at the office can also affect business operations. All it takes is one employee and one sneeze to put others at risk and spread the virus. According to the Centers for Disease Control and Prevention, flu viruses can… Read more »

What Are Columbia MD Group Benefits All About?

When it comes to having Columbia MD Group Benefits, there are many advantages not to be overlooked. Let’s take a quick look at a few of the most common group benefits that can bring about the most value to you and your family. Group Life Insurance For starters, did you know that you can purchase… Read more »

As Costs Rise for Common Procedures, Make Sure You’re Insured

Between 2011 and 2013, hospitals raised patient costs for various common procedures by as much as 20 percent, well over double the rate of inflation. Learn more about the increases and ways you can save money if you need one of these procedures. Common Procedures and Cost Increases From 2011-2013 The following medical procedures saw… Read more »

A Guide to Maryland Health Insurance Hardship Exemptions

According to the Affordable Care Act, most United States citizens must purchase health insurance or be penalized with a fine. However, certain hardship exemptions exist and can eliminate the fine for qualifying individuals. How to Qualify for a Hardship Exemption Three basic qualifications can exempt you from purchasing health insurance. They include: 1. A sudden… Read more »

The Benefits of Individual Health Insurance

Over the past few years, many employers have found it more and more difficult to cope with rising health insurance expenses. Still yet, though, the ACA mandates that employers with 50 or more full-time employees provide health insurance to their workers. And while employee-paid insurance plans are of the utmost value, coverage is sometimes lacking,… Read more »

Understanding the Benefits of Voluntary Insurance Products

When it comes to finding and retaining quality employees, you must be able to provide them with a comprehensive benefits package. Even if you can’t afford to pay for all of the included insurance products, they should be offered. You will likely find that many of your employees prefer to pay for voluntary products instead… Read more »

Understanding COBRA

The Consolidated Omnibus Budget Reconciliation Act, also commonly referred to as COBRA, has provisions in it that require group health plans to continue their benefits during certain instances that would otherwise cause coverage to be terminated. This continuation of coverage applies to the policyholder, their spouse, former spouses, as well as any dependent children. For… Read more »