JHC Benefits

5 products that could benefit from new ACA waivers

What benefits insiders are saying about the CVS-Aetna deal

People ask the difference between a leader and a boss. The leader leads, and the boss drives. Theodore Roosevelt

Blood, sweat and workplace wellness: Where to draw the line on incentives

What do they mean by Out-of-Network Copayment? A fixed amount (for example, $30) you pay for covered health care services from providers who don't contract with your health insurance or plan. Out-of-network copayments usually are more than in-network copayments.

6 ways to increase telehealth adoption

Health Insurance 101, What does Preferred Provider mean? A provider who has a contract with your health insurer or plan to provide services to you at a discount. Check your policy to see if you can see all preferred providers or if your health insurance or plan has a tiered network and you must pay extra to see some providers. Your health insurance or plan may have preferred providers who are also participating providers. Participating providers also contract with your health insurer or plan, but the discount may not be as great, and you may have to pay more.

How Fitbits, Apple Watches benefit life insurers and their customers

What is a Special Enrollment Period? A time outside the yearly Open Enrollment Period when you can sign up for health insurance. You qualify for a Special Enrollment Period if you’ve had certain life events, including losing health coverage, moving, getting married, having a baby, or adopting a child. If you qualify for an SEP, you usually have up to 60 days following the event to enroll in a plan. If you miss that window, you have to wait until the next Open Enrollment Period to apply.

14 strategies employers can use to lower health care costs

Counting sleep: new benefit encourages employees to track their shut-eye

Thoughts are the shadows of our feelings - always darker, emptier and simpler. Friedrich Nietzsche

COBRA 101: The Consolidated Omnibus Budget Reconciliation Act (COBRA) gives workers and their families who lose their health benefits the right to choose to continue group health benefits provided by their group health plan for limited periods of time under certain circumstances such as voluntary or involuntary job loss, reduction in the hours worked, transition between jobs, death, divorce, and other life events. Qualified individuals may be required to pay the entire premiu...m for coverage up to 102 percent of the cost to the plan. COBRA generally requires that group health plans sponsored by employers with 20 or more employees in the prior year offer employees and their families the opportunity for a temporary extension of health coverage (called continuation coverage) in certain instances where coverage under the plan would otherwise end. See more