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ER vs. Urgent Care | PA Benefits Team

All too often, illness or injury appears out of the blue: You wake up in the middle of the night with intense abdominal pain. You stumble while carrying groceries up a flight of stairs and can no longer put weight on your swollen ankle. Or your baby spikes a high fever on the weekend. These … Continued

Lower 2023 Health Premiums | PA Employee Benefits Agents

For the past two decades, health costs have increased each year. This happens for a variety of reasons, such as inflation or, say, a global pandemic. With that in mind, you can be sure health prices will go up again in 2023. According to a PricewaterhouseCoopers (PwC) report, medical costs have increased an average of … Continued

Transparency in Coverage | Pennsylvania Benefits Consultants

Health plan price transparency helps consumers know the cost of a covered item or service before receiving care. Beginning July 1, 2022, most group health plans and issuers of group or individual health insurance will begin posting pricing information for covered items and services. This pricing information can be used by third parties, such as … Continued

Understanding Your EOB | PA Benefits Firm

Let’s say that you visited the doctor and you are wondering how much that visit is going to cost.  A short while later, you receive something in the mail that looks like a bill – and even says “amount you owe” at the bottom.  However, it doesn’t have a return envelope or tear-off portion for … Continued

The Affordability Test for 2022 Health Plans | PA Employee Benefits Agents

The Affordable Care Act’s employer shared responsibility provision — often called the employer mandate or “play or pay” — requires large employers to offer health coverage to their full-time employees or face a potential penalty. (Employers with fewer than 50 full-time and full-time-equivalent employees are exempt.) Large employers can avoid the risk of any play … Continued

Exploring In-Network and Out-of-Network Benefits | PA Employee Benefits Team

You have surely heard the terms “in-network” and “out-of-network” when referring to doctors or care facilities and your insurance plan. It can be confusing and make you wonder why it matters to you, as the consumer. Let’s explore these terms and find out more! What are Health Insurance Plan Networks? Health insurance plans create networks … Continued

End of Year Healthcare | PA Benefits Team

As the weather turns cooler and shopping centers get busier, it’s easy to surmise that it’s nearing the end of the year. Are we all ready for 2020 to be over?! Yes, please! Since we are closing in on 2021, it’s time for you to maximize your healthcare plan by taking advantage of end-of-year healthcare … Continued

Preventive Care is as Easy as 1-2-3 | PA Employee Benefits Advisors

  In a world where viruses run rampant across the globe and healthcare costs are skyrocketing, there is an easy way for you and your family to stay healthy—preventive care services. Preventive is defined as “used to stop something bad from happening.” Preventive care is care that thwarts off illness or disease thanks to regular … Continued

Do Not Leave Your FSA Money on the Table This Year! | PA Benefits Agency

As 2019 is nearing an end, many people are looking at this year’s medical expenses to plan for how much they should set back for next year. In investigating these expenditures, you may notice that you still have money in your Flexible Spending Account (FSA) for 2019. FSAs are unique in that any unused money … Continued

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