What Is Spousal Language in Health Insurance Coverage?

What Is Spousal Language in Health Insurance Coverage?

Spousal language in health insurance coverage refers to restrictions on coverage for an employee’s spouse. These restrictions are designed to control healthcare costs. Spousal Language will typically come into play where an employer either will not cover a spouse, or the employer will charge a surcharge. This is for employees that have coverage available through […]
Does Your Insurance Brokers Shop Benefits Before Renewal Time?

Does Your Insurance Brokers Shop Benefits Before Renewal Time?

How involved is your health insurance broker when it comes to shopping for your insurance benefits?  All too often it comes to our attention that many companies just have their current policies renewed before looking at all their options. Does your health insurance broker shop benefits during renewal time?  If the answer is “no” read […]
ICHRA Plans and Small Businesses

ICHRA Plans and Small Businesses

  What is an ICHRA? An ICHRA is an individual coverage health reimbursement arrangement. These are reimbursement arrangements integrated with individual market health insurance coverage. They’re created for employers who want to help their employees. Through an ICHRA, employers can reimburse employees’ individual medical insurance premiums. Not only their premiums but also other qualified health care expenses!  […]
What is a Health Insurance Broker?

What is a Health Insurance Broker?

With so many variables, it can be difficult to find the perfect health insurance broker or agent for you. To make things easier, you might choose to hire someone to do the dirty work for you. They are either a health insurance broker or an insurance agent. The question is, who do you hire? Learning […]