Category Archive for : ‘Health Insurance’

As spring slowly approaches here in New England, the cost of healthcare will still leave a wintry sting for many business owners. At FBinsure we have been spending the majority of our time proactively providing education to clients along with their employees about all of their healthcare benefit options and whether or not the overall changes are impacting them. So what will this spring bring for the majority of us? Well, for all of you business owners out there, make it a priority to have the proper communication strategies in place

Healthcare reform has been a topic of concern for business owners and individuals alike, the importance of knowing the upcoming changes can save you money, but more importantly being aware of the changes will alleviate a lot of potential compliance issues.  Working in the insurance industry handling employee benefits—I find myself talking to a lot of business owners and Human resource executives.  One prevalent concern, regardless of what industry people work in, is health insurance and the changes that are coming over the next few years.  Having answered many

Alright, let me say that this isn’t an article dedicated to making sure you and your spouse/significant other have an open flow of communication in your relationship.  This article is about communication in a different sense—benefits communication.  In the state of Massachusetts it is now a law that you must have health insurance, therefore most employers in this state now offer health insurance.  There exists a serious flaw in the mandatory system of employer sponsored health insurance.  The flaw is that most employees don’t actually understand their coverage!  Since the

Life insurance is a topic that is either overlooked or avoided—mainly because it brings to light the inevitable truth that everyone, regardless of age or gender, will pass away.  Granted some people will be prepared; while others will be shocked at the loss of their loved ones—one thing you can do to ease the financial impact that death brings, is to prepare in advance and think about life insurance.  While it is never an easy subject to bring about, the purchase of life insurance will allow your friends and family

Being a Health Insurance broker, I’ve had many conversations with employers and businesses about how they have been combating the rising tide of health insurance costs.  As customary, even more-so recently, I’ve noticed a common theme within each answer; “I pick a plan with a low premium because I’ve got to keep health insurance to keep my employees”.  While this strategy can be beneficial towards an employer’s bottom line—you could end up injuring your reputation as a great place to work, thus adversely affecting your business. What most companies have

Seeing as there has been a lot of talk recently about healthcare reform—I wanted to take some time to set the record straight and inform you all as to the changes that are fast-approaching in the health insurance market.  The state of Massachusetts has been the frontrunner with regards to healthcare provisions, but the new federal healthcare reform law will impact individuals and businesses in a big way.  Bear in mind that these changes will not take place immediately, nor will the changes be all at once—but being aware of

With healthcare comes great responsibility; from knowing your deductible, co-pays, co-insurance amounts to a multitude of other variables—who has the time to fully understand all of the other options that employers offer?  Today, I’m going to describe to you the fundamental differences between HSA’s (Health Savings Accounts), FSA’s (Flexible Spending Accounts), and HRA’s (Health Reimbursement Accounts). While their titles may all sound similar—each of the three have distinct features that are extremely important in understanding how they work, so that you don’t assume something that could end up costing you

So, we all know that being healthy is beneficial for a whole host of different reasons—from reducing stress, to looking and feeling better about yourself, to having more energy to get you through the day’s trials and tribulations.  But, can living a healthy lifestyle save you money?  Believe it or not, YES!  Leading a healthy lifestyle can reduce your health insurance premiums and will reduce your health insurance claims throughout the course of a year.  Now I know that this is hard to believe—so let’s talk about why and how

The Middleboro Gazette had an interesting article on deer ticks and Lyme disease, below is a condensed version of that article.

 Most people think that once the first frost of the year hits we no longer have to worry about ticks until the flowers start blooming again. Unfortunately for us, that is not the case. Although there is an increase in tick activity between the months of May and July, the truth is that ticks are not just a warm weather threat. Deer tick project coordinator/entomologist for Barnstable County Larry Dapsis

Being a savvy consumer is a great trait to have; it affects all aspects of how you purchase items.  Bargain hunters, as they’re often called are constantly comparison shopping to get the best deals available for the products or services they desire.  This trait carries over to many different aspects of life ranging from grocery shopping, to clothing and buying a car.  But, what most people don’t realize is that being a price-conscious consumer doesn’t have to just affect how we purchase material possessions.  Consumerism is becoming increasingly important in where