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How to Use Rx or Prescription Benefits

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One might argue that access to affordable prescription drugs is just as important as the ability to choose your own doctor. That’s why many health insurance policies include a prescription drug benefit. If you plan on taking prescription medications – whether for long term or short-term treatment, here’s a deeper look at how to use your Rx or prescription benefits. If you or someone in your family takes regular prescription medication, it’s important to understand how that’s covered in your health insurance policy. In some health plans, you’ll have to reach your annual deductible before the insurance company starts helping pay for the cost of

What Are the Benefits of an HSA (Health Savings Account)?

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As the cost of healthcare has increased, HSAs, also known as a Health Savings Account, have become more and more popular. An HSA is a great way to save for medical expenses while also reducing taxable income. HSAs are often used in conjunction with a high deductible health plan (HDHP). With a high deductible health plan, you pay a lower monthly premium, but in the event that you do need medical care, you end up paying a larger cost up front. Thus, a Health Savings Account is a great option for individuals who want a lower cost health insurance plan like an HDHP,  but still

How to Implement a Health & Wellness Program for Your Business

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Employee Wellness is vital for a company’s success; not only can this help save you costs in the long-run, but it can also help build the foundation for a strong company culture. Employee Wellness programs show you care about your employee’s mental and physical health in and outside of the workday. While there isn’t ‘one correct way’ of building an employee wellness program, we can offer some insight into what a successful program looks like. Tips for Developing a Successful Employee Wellness Program: Survey Your Employees: You don’t want to spend a significant amount of time creating a wellness program only to realize that your employees

Staying Compliant with ThinkHR

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Introduction to ThinkHR: This is Part 3 of a series of blog posts we’ll be sharing on our preferred HR technology platform, ThinkHR. You can read Part 1: How Think HR Can Help Reduce Your Business Expenses here and Part 2: How ThinkHR Can help Your Business Create an Employee Handbook here. In this post, we’ll be discussing ThinkHR’s unique Compliance tool. There are new laws and updates constantly, and it is vital to make sure your company is up-to-date with any new compliance acts. This tool includes useful features, such as: a Q&A Database, Employee Handbook Builder, Classification Tools, Job Description Builder, Health Care Reform, and

How ThinkHR Can Help Your Business Create An Employee Handbook

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Introduction to ThinkHR: This is Part 2 of a series of blog posts we’ll be sharing on our preferred HR technology platform, ThinkHR. In this post, we’ll be providing an overview on how to create an employee handbook, and the importance of one in your business. ThinkHR makes this component of your business easy, with step-by-step instructions and tips. Providing your employees with an Employee Handbook creates better communication and clarification regarding rules, procedures and what is expected from your employees. Without an Employee Handbook, there can often be some confusion surrounding vague or changing policies. While this can certainly hurt your employees, it can also negatively

How ThinkHR Can Help Your Business Reduce Expenses

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Introduction to ThinkHR: This is Part 1 of a series of blog posts we’ll be sharing on our preferred HR technology platform, ThinkHR. In this post, we’ll be discussing an overview of the tool and how it can help your business reduce expenses. Have you ever found yourself faced with an impossible decision as an employer regarding HR responsibilities? Or have you been frustrated with all of the changing rules and regulations, and most importantly, the impending costs to make sure you’re compliant with those changes? With the constant growth of new laws, it makes it more and more difficult to have all the resources you

5 Things Large Group Employers Should Consider Before Selecting a Health Insurance Plan

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Selecting a health insurance plan for your employees is no easy feat. Depending on the size or demographic of your business, there could be a variety of specific benefits or providers your employees desire from their health insurance plan. It’s important to note that this is not a decision that should be taken lightly. A new survey shows that *56 percent of U.S. adults with employer-sponsored health benefits said that whether or not they like their health coverage is a key factor in deciding to stay at their current job. Furthermore, 46 percent said health insurance was either the deciding factor or a positive influence

New Year’s Wellness Resolutions for your Business

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The New Year is here and it’s the perfect time to make this year even better than the one before. While many resolutions tend to be based on individual goals, setting company goals (and sticking to them) can be equally important. Here are a few recommended resolutions to improve your workplace wellness this year. 1. Ongoing Benefits Education Education, especially when it comes to understanding one’s health benefits, is extremely important. Most employers have an open enrollment meeting once a year but fail to host continuing education discussions. These types of meetings can really help employees feel comfortable with their benefit plans since they have even

Why Technology is an Integral Part of your Benefits Planning

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Do you remember sitting in an open enrollment meeting reviewing a list of benefits you or your company was offering and manually writing in your name, relevant contact information, and selecting a plan? Do you recall having to use a required black or blue ink pen to fill out the paperwork? You may be surprised to hear that a lot of companies are still using this outdated process of manually filling out benefit plans. The problem is that if there’s a spelling error, a transcription error, or even a single number is incorrect, there’s not an easy way to update or change the document —

Why You Should Set Up an Open Enrollment Meeting with Your Employees

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Open enrollment is the time of year where employees can enroll in a health, medical, or dental plan, or make changes to their current coverage such as adding a spouse or a dependent. Hosting an open enrollment meeting is a great way to educate employees on their benefits or changes to their plans, and help them understand the value of what your business is offering. What Is Covered In An Open Enrollment Meeting? Let’s face it, health insurance is complicated. That’s why we strongly suggest setting up an open enrollment meeting where we can review: Different carriers and coverage offered for the plan year Recommendations

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Steve Grady Insurance Services Phone: (619) 222-0119 Fax: (619) 223-2706 Steve@SteveGrady.net CA Lic. #0E24711, 0H65110