health-insurance

10 Insurance Broker Benefits

Benefits, Benefits Plans, Employee Benefits, Group Health, Health Insurance, Health Plans, Healthcare, Human Resources, Insurance, Teamwork

Regardless of the reason why you need it, purchasing insurance can cause feelings of anxiety and dread. Buying the right type and level of coverage for you and your business requires a lot of time and resources. You want to ensure that you’re purchasing the right coverage to mitigate risks and provide financial security. If you’re looking for employee benefits, you also have the challenge of balancing the needs and requests of your employees with the needs and budget of the business.

by Chris Freitas

Insurance Broker Considerations: 10 Things to Look For

Benefits, Benefits Plans, Employee Benefits, Group Health, Health Insurance, Health Plans, Healthcare, Human Resources, Insurance, Teamwork

Securing insurance takes time and resources. Because each individual, family, and business has a unique set of risks, there is no such thing as a “one-size-fits-all” policy, regardless of the type of policy you’re seeking. Insurance brokers provide the expertise required to help individuals and businesses secure insurance policies to meet a wide array of needs.

by Chris Freitas

Insurance Broker vs. Insurance Agent

Benefits, Benefits Plans, Employee Benefits, Employees, Employers, Employment, Group Health, Health Insurance, Health Plans, Healthcare, Human Resources, Insurance, Teamwork

Insurance brokers and agents act as intermediaries between insurance companies selling insurance and consumers seeking to purchase insurance. There are several insurance options and insurance organizations from which to choose. Brokers and agents help navigate the many choices of insurance available to meet the needs of their clients at a fair price. If you’re in the market for personal or business insurance, you might be wondering what the differences are between an insurance agent and an insurance broker.  

by Chris Freitas

Federal and California Health Insurance Regulations for 2020

Benefits, Benefits Plans, Employee Benefits, Employees, Employers, Employment, Group Health, Health Insurance, Health Plans, Healthcare, Human Resources, Insurance, Teamwork

Health insurance is one of the top benefits that employers can offer to employees. Providing health insurance to employees requires employers to stay on top of the ever-changing legal landscape focused on employer benefits. Do you know both the current and new federal and California health insurance regulations for 2020? In the content below, we explore how this year's health insurance regulations impact employers and employees.

by Chris Freitas

What Is Group Health Insurance?

Benefits, Benefits Plans, Employee Benefits, Employees, Employers, Employment, Group Health, Health Insurance, Health Plans, Healthcare, Human Resources, Insurance, Teamwork

Group health insurance differs from individual health insurance. Individual health insurance is when an individual purchases health insurance for himself or herself and possibly dependents. Group health insurance is health insurance offered by employers to their employees. 

by Chris Freitas

Looking Backward to Plan Forward | CA Insurance Agency

Employee Benefits, Employees, Enrollment, Health Insurance, Healthcare, Insurance, Open Enrollment

As you look through enrollment options for 2019, remember to look back on 2018. Check out your spending on procedures and prescriptions, and which providers are in your network.

by Mike Radakovich

Look Backward to Plan Forward | CA Benefits Agents

Benefits, Employee Benefits, Enrollment, Health Insurance, Healthcare, Insurance, Life Insurance, Open Enrollment

We have entered Open Enrollment season and that means you and everyone in your office are probably reading through enrollment guides and trying to decipher it all. As you begin your research into which plan to choose or even how much to contribute to your Health Savings Account (HSA), consider evaluating how you used your health plan last year. Looking backward can actually help you plan forward and make the most of your health care dollars for the coming year.

by Mike Radakovich

Affordable Care Act Update | California Benefit Partners

ACA, Employees, Employers, Health Insurance, Individual Mandate, Insurance, Law Updates, Tax

Recently, the President signed a bill repealing the Affordable Care Act’s Individual Mandate (the tax penalty imposed on individuals who are not enrolled in health insurance). While some are praising this action, there are others who are concerned with its aftermath. So how does this affect you and why should you pay attention to this change?

by Mike Radakovich

Opioids in America | California Benefit Advisors

Cupertino Employee Benefits, Employee Benefits, Employers, Health Care, Health Insurance, Healthcare, Opioids, San Jose Benefit Advisors

Lately, there’s been a big focus on America’s opioid addiction in the news. Whether it’s news on the abuse of the drug or it’s information sharing on how the drug works, Americans are talking about this subject regularly. We want to help educate you on this hot topic.

by Mike Radakovich

Disability Insurance

Cupertino Employee Benefits, Disability Insurance, Employee Benefits, Employers, Health Insurance, Healthcare, San Jose Benefit Advisors

“Your most valued asset isn’t your house, car, or retirement account. It’s the ability to make a living.”

by Mike Radakovich