COBRA and Medicare – The Timing of Transition

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In 2014, the Affordable Care Act allowed individuals to enroll in health insurance without medical questions, meaning no pre-existing limitations.  At the time, many thought this would, in an essence, ‘repeal’ the COBRA act of 1986 and we would no longer need the transitional option that allowed individuals the opportunity to remain on their employer coverage.  Surprisingly, COBRA is still available and a useful tool for health insurance. (more…)

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Wellness – How is Your Company Defining It?

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Wellness… It’s the new ‘IT’ concept?  Not hardly.  I grew up in the 80’s with a mom that was the vice president of Human Resources and a father that was a health insurance agent.   If you were a business owner then, you know that Wellness was going to be the next great saver of premiums for our health plans.  Employees would answer biometric questions, getting financial incentive for doing so and maybe a bit longer lunch to work out.  It fizzled out as fast as it rushed in.  (more…)

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