The Benefits of Primary Care Physician

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As you get set up with your new health plan, you may be asked to choose a primary care provider (PCP). Whether or not it’s required by your health plan, there are benefits to having a dedicated PCP. What is a PCP? A PCP is the main doctor who helps manage your care. In fact, […]

3 ways to help save on your medications

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Here are 3 tips to help you get medications that work for you — and your budget: 1. Find out if your medications are covered. To do this, check your Prescription Drug List (PDL), sometimes called a formulary. Your PDL is a list of all medications available to you, organized into cost levels called tiers. […]

What you should know about the Estate Tax?

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The federal estate tax is a tax on property (cash, real estate, stock, or other assets) transferred from deceased persons to their heirs. Only the wealthiest estates pay the tax because it is levied only on the portion of an estate’s value that exceeds a specified exemption level — $5.49 million per person (effectively $10.98 […]

Are you a Fiduciary?

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Under the U.S. legal system, a fiduciary duty is the legal term describing the relationship between two parties that obligates one to act solely in the interest of the other. The party designated as the fiduciary owes the legal duty to a principal, and strict care is taken to ensure no conflict of interest arises between the […]

Heart Attack Warning Signs

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Some heart attacks are sudden and intense, but most of them start slowly, with mild pain or discomfort. Here are signs that can mean a heart attack is happening: Chest DISCOMFORT Most heart attacks involve discomfort in the center of the chest that lasts more than a few minutes, or that goes away and comes […]

8 Ways to Save Money on Prescription Drugs

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Prescriptions make up the biggest cost when it comes to your healthcare. This is why we have these top 8 tips when it comes to your prescriptions. Consult the Formulary List. A formulary is the official list of drugs and how each are classified according to your health plan. The co-payments for similar drugs may […]

4 Reasons to Offer Long Term Care Insurance

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It shows a long term commitment to employees because it reaches from 20 to 30 years beyond employment. It sends a message to those employees that are offered this plan that they are significant to your company and that you care for them. Timing is everything. For a lot of the employees that are in […]

Number of Uninsured Americans Is Rising

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The number of uninsured Americans is rising, according to research done by the Commonwealth Fund. The research from the Commonwealth Fund reports that some “4 million Americans lost health insurance in the last two years, which attributed to actions taken by the Trump administration.” Data shows the uninsured rate rose, “significantly compared with 2016 among […]

Georgia Posting Requirements for Smoking in the Workplace

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Georgia law requires employers to post certain notices in and about the workplace. Many of these posters may be downloaded individually from the Georgia Department of Labor Website at www.dol.state.ga.us/em/required_posters.htm. Smoking in the Workplace “No Smoking” signs or the international “No Smoking” symbol (a pictorial representation of a burning cigarette enclosed in a red circle […]

Appealing Marketplace Decisions & IRS Letters

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Both the Health Insurance Marketplaces and the Internal Revenue Service (IRS) have begun sending letters to employers to enforce the Affordable Care Act’s employer shared responsibility provisions (also known as “pay or play”). Health Insurance Marketplace Letters Health Insurance Marketplaces must notify employers that one or more of their employees has been determined to be […]

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