Serving over 200 companies and more than 2000 families since 1988

2882 Sand Hill Rd. Ste. 119 - Menlo Park, CA 94025 - (650) 854-8963 - (800) 564-4476

Posts made in January, 2019

Good news abounds for our economy, but a changing business environment equals changes for employers. The low national unemployment rate means that workers have a bit more power in choosing jobs that best suit their needs and desires, and employers must become a bit more competitive in return. While health insurance and other benefits will always remain at the top of most prospective workers’ wish lists, we’re definitely seeing some changes in those preferences. The one-size-fits-all approach to healthcare plans and wellness programs is increasingly being replaced by a smorgasbord of options. Today’s workers want a menu of options, so that they can keep their current physicians, seek specialized care, engage in specific wellness programs, and essentially structure their benefits plans to best meet their individual needs. When you’re developing a health and wellness program for your company, consider the following three factors. Check out the competition. You already know that in business, it’s important to keep your eye on trends. After overall compensation, benefits programs are the second most important important factor to workers looking for new employment. Investigate options offered by similar employers, and seek to keep your benefits program competitive. Communicate with current and prospective employees. Good leaders know that involving the whole team in important decisions makes everyone happier with the final outcome. Ask employees what health benefits or wellness programs are most important to them, and how you can improve the workplace for everyone. Offer customizable benefits. The team’s desires might sometimes overshadow the individual’s needs. Offering a customizable menu of health and wellness options is the best way to ensure that each employee is satisfied with their benefits package. And of course, we know that healthy, happy employees are loyal and productive workers. Some of today’s popular customizable options include: Allowing employees to choose specific hospitals or doctors Different levels of healthcare plans (with different deductibles and premiums) Flexible work options Employee family leave Life and/or disability insurance Employee discounts to local retailers or attractions Wearable device allowances Health club memberships or onsite gyms Identity theft protection Financial planning resources Pet insurance Contact us to learn more about customizable health and wellness benefits. We can help you put together a menu of popular options, to appeal to today’s diversified and discerning...

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Now that January first has come and gone, you might be getting started on your New Year’s resolutions. But what if you forgot to sign up for a health insurance plan during Open Enrollment? The deadline for coverage beginning January 1 was December 21… So what now? Are you going without health insurance for the next year? No, you still have a chance to enroll for health insurance. The final deadline is January 15, for coverage that begins February 1. If you hurry, you can still get a health insurance plan in place beginning next month. Otherwise, if you miss that deadline, then you might be out of luck until Open Enrollment begins in the fall. But under certain conditions, you could qualify for a Special Enrollment period. These conditions include, but are not limited to, these common circumstances: You are eligible for Medi-Cal (in this case, you can sign up any time during the year) You lose your current health insurance coverage, due to job loss or some other circumstance COBRA coverage expires (unless it’s because you didn’t pay your premium) You turn 26 years old, and can’t be covered under your parents plan anymore Your student health coverage expires You move and gain access to new plans You are released from prison You get married, divorced, or add a child to your family If you do experience a qualifying event, please remember that you must apply for new coverage within 60 days of the event. Otherwise, you will miss the opportunity, and will have to wait until Open Enrollment begins on October 15 (for coverage beginning January 1, 2020). What you apply for health insurance coverage, you will supply information related to your family size, income, home address. Based on these factors, you might qualify for a subsidy to help with the cost of your premiums. If you need help enrolling in a health insurance plan, please contact us right away. We can also help you during the year, if you need to determine whether a situation qualifies you for a Special Enrollment period. If you’ve already enrolled, but know someone who hasn’t, please refer them to us! We can help get them enrolled before the deadline on January...

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