Stop asking your provider if they take your insurance?

Do you take my insurance?  Yes, most providers are likely to “take” your insurance.  They will charge you the copay or deductible on your card and as a courtesy, bill your insurer for their share.  But, let’s be clear.  The reason you are asking if they “take” your insurance is not to learn if they will submit the claim…

Open Enrollment Tip #1 – A Year In Review

This is the first in a series of posts intended to help you make smart benefit choices at Open Enrollment.  Although you do not yet likely know your employer’s plan offerings or share of costs, there are things you can do now to better prepare yourself for making informed decisions about your family’s coverage and care once the…

What you need to know about enrolling your newborn

Congratulations on your new addition!  The first thirty days go by fast when your life consists of diapers, feedings and naps.  Along with registering for a birth certificate and applying for a social security number, you are also required to enroll your baby in health insurance. Your insurance plan does not automatically do this for you.  So, you’ll want to make sure you stay ahead of…

Financial stress? EAPs provide advice and counseling at no cost

Employee Assistance Programs (EAPs) are included in most employer sponsored benefit programs at no cost to employees.   These benefits provide resources and tools designed to help employees manage issues that may negatively impact their work performance and overall well-being.   EAPs are commonly relied upon to address financial issues such as: Overspending Tax planning Bankruptcy Legal Issues Retirement Divorce Unlimited confidential phone support…

Baby on the way? Enroll in your FSA

If you haven’t already enrolled in your Flexible Spending Account (FSA), you are going to want to at your next opportunity.  When your employer sponsors a Section 125-Cafeteria Plan, you will be able to fund your account tax-free, saving you money throughout your journey.  You are going to pay for this stuff out-of-pocket anyways. So, you might as well get…

Why you need a Benefits Binder

If you are like me, you still have a little pile in the corner made up of your 2015 benefits information.  And, hopefully, you’ve also made it through the first part of this year not having a reason to refer to it.  But it’s that time of year where we open the blinds, dust off…