Medicare Excess Charges

June 5, 2020

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

Photograph of an older couple in a living room. The man is coughing as the woman looks at him with concern.

Over 60? 10 Ways to Prevent Coronavirus, Prepare, and Get Treatment

March 20, 2020

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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Image of a calculator, black pen, and stethoscope over a teal and white background.

2020 Changes to IRS FSA limits, ACA Limits, & HSA Contribution Limits

November 26, 2019

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

Chart showing HSA Limits in 2020 Read more

THE BASICS OF WORKSITE BENEFITS

August 12, 2016

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

July 12, 2016

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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