Are you wondering, “What is gap health insurance?”
You may know a deductible is the amount you pay out of your own picket for covered health care services before your insurance plan starts to pay. Read more
The Top 10 Best Health Benefits to Offer Employees
Employer benefits are one of the biggest considerations for employees and job hunters. Many of the most satisfied employees have cited benefits as the top reason for their satisfaction and one of the biggest reasons they accepted the job in the first place. Many workers are even willing to accept a lower salary in exchange for an excellent benefits package.
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Medicare Excess Charges
Are there really Medicare excess charges? Understanding what they are and what you can do about them.
Medicare is a program run by the federal government. It provides health insurance for over 44 million Americans, many of whom might not otherwise have access to insurance and healthcare. The largest group of Medicare enrollees are people age 65 or older, followed by people with disabilities who receive Social Security Insurance, and individuals suffering from End-Stage Renal Disease who require dialysis or a kidney transplant.
Medicare is an amazing program, but it can be overwhelming and confusing, especially when it comes to the plans, the costs, and who pays for what. Instead of doing a lot of legwork yourself, we have put together Read more
Small Assisted Living Coalition Offers Assistance With Discharges, Admissions and Placements
Seniors are still in need of care during this Coronavirus pandemic. The Small Assisted Living Coalition is offering to assist in Discharges, Admissions and Placements.
Over 60? 10 Ways to Prevent Coronavirus, Prepare, and Get Treatment
The Coronavirus, more specifically named COVID-19, is an epidemic that has escalated to the status of a pandemic. As it moves through the world and has even reached the US, government mandated social distancing has become a reality, closing schools, businesses, and organizations all over the country.
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2020 Changes to IRS FSA limits, ACA Limits, & HSA Contribution Limits
Employers – Take a moment to learn about changes to the 2020 ACA and IRS Plan Limits
This communication is not intended to be legal advice and should not be construed as legal advice. If you have any legal questions or concerns about your plan, Norgard Insurance recommends seeking counsel from an ERISA attorney.
Health Savings Account limits
The latest published Health Savings Account limits for 2020 compared to 2019
Information in red indicates a change
Medicare Open Enrollment & Important Medicare Changes 2020
Did you know? Each year, changes are made to Medicare health insurance and what the plans will cover. If you don’t shop your Medicare policies during Open Enrollment, you may end up paying a larger out of pocket cost than necessary on such things as: prescription drugs, office visit co-pays, hospital bills, Read more
THE BASICS OF WORKSITE BENEFITS
Sure, you could easily attract and retain a veritable dream team for your company if you could somehow offer the best health care benefits package in your marketplace. But with the rising cost of health insurance, even providing basic coverage can be a stretch for most companies. In order to provide an attractive insurance protection plan for your employees, while still complying with the requirements of health care reform, many employers are considering Read more
Medicare Parts Explained: Understanding Medicare Plans A, B, C and D
Medicare is a federal health insurance program that pays for various health care expenses. It’s a plan that’s typically available for people who are at least age 65, adults with certain approved medical conditions, and those with qualifying permanent disabilities. Medicare is similar to Social Security, in that it is an entitlement program that most U.S. Citizens earn the right to by working and paying their taxes for a minimum required time period.
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