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Health Insurance

Health Insurance

Medical Insurance

Health insurance covers the whole or a part of Medical expenses of a person. spreading the risk over a large number of persons.

By estimating the overall risk of health care, an insurer can develop a routine finance structure, such as a monthly premium or payroll tax,

to provide the money to pay for the health care benefits specified in the insurance agreement.

The benefit is administered by a central organization such as a government agency, private business, or not-for-profit entity.

According to the Health Insurance Association of America, “coverage that provides for the payments of benefits as a result of sickness or injury.

It includes insurance for losses from accident, medical expense, disability, or accidental death and dismemberment.

How to Sign Up for Medicare Benefits

How to sign up for medicare benefits

If you’re approaching 65 it’s time to get serious about Medicare. It’s a fairly complicated system and the rules can be confusing. Just be sure to enroll at 65 years of age or, if you’re older, enroll within eight months of stopping work to avoid late penalties. Otherwise, if you’re …

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Recordkeeping Update for Schools & Municipalities


Starting in 2018, the DSPS requires information from the Summary of Work-Related Injuries and Illnesses to be entered into the DSPS’ Online Injury and Illness Reporting System.  A user name and password is required to enter information into the online system.  For questions regarding online access, send an email to …

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Enrolling like their lives depend on it

Awsom Aloos

In 2017, Donald Trump and Congressional Republicans did everything within their power to dismantle the Affordable Care Act. And while they haven’t achieved their ultimate goal of full repeal, the law’s saboteurs certainly managed to foster uncertainty about the law’s fate. What’s not at all uncertain? That more Americans are …

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Prescription Drug Trends: Making Sense of Your Plan

Prescription Drugs.jpg

As prescription drug costs continue to increase, it is important for employers to understand the trends behind cost of prescription drugs and what they can do to better manage their health care expenses. By taking the time to understand prescription drug trends and how the ACA is impacting the pharmaceutical …

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Spending Resolution Affects ACA Taxes

Gavel with cash.jpg

On Monday January 22, 2018, Congress passed HR195 to extend funding for the government through February 8, 2018.  President Trump signed the legislation into law Monday night.  Although this new law was crafted to continue funding the government, it did contain 3 specific items impacting employer sponsored health insurance plans:

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How to Find the Most Affordable Health Insurance

How to find affordable health insurance

Finding good-value, low-cost health insurance is possible, but you have to do your homework. Maybe you’re unemployed, self-employed, or employed but under-insured for your needs. Let’s look at some of the options to consider. Affordable Care Act Marketplace If you qualify for subsidy assistance, the Marketplace or Exchange might be …

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