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Author: Webber Advisors
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Medicare Part D Notices Are Due Before Oct. 15, 2025 | PA Employee Benefits Team
Medicare Part D Disclosure Requirements Every year, sponsors of group health plans must notify both Medicare Part D–eligible individuals and the Centers for Medicare & Medicaid Services (CMS) about whether the plan’s prescription drug coverage is considered creditable (meaning it provides coverage that is at least as good as Medicare Part D). The annual notice must be…
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Risk Insights – Risk Management Considerations for Active Shooter Incidents | PA Benefits Group
An active shooter incident entails an individual or group of individuals entering a populated area to kill or attempt to kill their victims, generally through the use of firearms. These incidents—sometimes called mass shootings—have become increasingly common in the United States. According to the FBI, the number of active shooter incidents jumped by 96.8% between…
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Mastering Open Enrollment: A Step-by-Step Guide | Pennsylvania Benefits Agency
Open enrollment doesn’t have to be a stressful administrative task. When planned well in advance, it becomes a valuable opportunity to review and enhance your benefits offerings, demonstrating your commitment to your team’s physical, mental, and financial well-being. A well-executed open enrollment can boost employee morale, improve retention, and ensure your workforce is supported. Use…
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What Brokers Should Be Doing Now to Get Clients ACA-Ready | PA Benefits Consultants
How to position yourself as a trusted ACA compliance advisor For brokers and benefits advisors, Q4 planning doesn’t start in October. It starts now. September marks a critical moment in the annual ACA compliance cycle, when employers begin thinking about year-end strategies, benefits renewals, and how to avoid last-minute reporting panic. That makes now the perfect…
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2026 Medical Cost Outlook | Pennsylvania Benefits Agents
PwC’s latest annual analysis forecasts that group health insurance costs will increase by 8.5% in 2026—the third straight year at this elevated trend. This sustained rise means health care expenses are now similar to those seen 15 years ago, after a brief dip post-pandemic. Researchers gathered data from actuaries at 24 major U.S. health plans,…
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Benefits 101: A Guide to PPO Plans | Pennsylvania Benefits Agency
When navigating the world of health insurance, you will likely encounter the term PPO (Preferred Provider Organization). A PPO plan – whether medical or dental – is about balancing the cost and convenience of care. With a PPO plan, you get the flexibility to see a wide range of doctors. You’ll save money by staying…
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Upcoming Changes for Employee Benefits | PA Employee Benefits Team
Employers will see several changes to their health and welfare benefits due to comprehensive new tax and spending legislation. This includes notable improvements to Health Savings Accounts (HSAs), Dependent Care Flexible Spending Arrangements (DCFSAs), and employer-provided student loan payments, as well as the introduction of some new fringe benefit choices. These updates introduce significant changes…
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Navigating Your Health Plan: A Guide to Your Explanation of Benefits (EOB) | Pennsylvania Benefits Agency
Ever found a confusing document in your mailbox after a doctor’s visit, wondering if it’s a bill, especially with an “amount you owe” at the bottom? You’re not alone! That document is most likely an Explanation of Benefits (EOB) from your health insurance company. It’s crucial to remember: an EOB is NOT a bill. Think…
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Coverage Insights: Commercial Property Insurance Rating | PA Employee Benefits Team
Understanding the outside factors that impact your commercial property insurance can be complicated, particularly for those with little to no knowledge of what goes into the underwriting process. While the type of business you’re in, your location and the state of the insurance industry in general can all affect commercial property coverage pricing, there’s often…
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Health Insurance Terms You Should Know | PA Employee Consultants
Health care terms, medical bills, and forms can be hard to understand. Here are some common health care terms, and what they mean. Allowed Amount This is the maximum payment the plan will pay for a covered health care service. May also be called “eligible expense,” “payment allowance,” or “negotiated rate.” For example, if…
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