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West Africa remains the epicenter of the Ebola outbreak.  By the start of December, the World Health Organization (WHO) estimates there could be as many as 10,000 new cases of Ebola per week in West Africa.  But the passage of infected people to other countries has led to a handful of new Ebola cases outside the region. READ MORE >>

Each year, seasonal flu has a marked impact on businesses and employers.  Flu can cause increased absenteeism, decreased productivity and higher health care costs.  As an employer, you are well-positioned to help keep your employees healthy and minimize the impact the flu has on your business. READ MORE >>

I just read an article in USA Today that quoted a study stating that "43% of companies had a data breach last year."  All I can say is "WOW!"  The report was conducted by the Ponemon Institute, which does independent research on privacy, data protection and information security policies. READ MORE >>

When does your deductible and maximum out-of-pocket begin?  Most people believe that their deductible and max out-of-pocket begins when the policy is put in place and starts over each year at renewal/open enrollment.  Unfortunately that is not the case. READ MORE >>

The number one statement I get from a new group or individual health insurance client is "I don't want ObamaCare."  The good news, you couldn't buy ObamaCare if you wanted because it is not a brand or product.  It is just the slang term for the Affordable Care Act. READ MORE >>

We are frequently asked "how often should I shop my insurance?"  For most of our clients it is our policy to "shop" (send out to insurance companies for quotes) their account every three years.  That allows the insurance company to truly get to know your business and for your to get the know the insurance company. READ MORE >>

Most insurance companies either require or strongly encourage a business/organization have an employee handbook in place.  Do you know why?  Has your current agent talked to you about your employee handbook or implementing one? READ MORE >>

Earlier this week we discussed that the open enrollment period for individual health insurance is closed and will not re-open until November 15, 2015, for coverage to take effect 1/1/2015.  What about group health insurance?  Is the open enrollment period closed for that as well? READ MORE >>

Did you miss the open enrollment period to sign up for health insurance through the Federal/State Exchange or through your local independent insurance agent?  This is a problem many people have encountered. READ MORE >>

I am often asked by potential clients, especially new business owners, "What will my insurance costs?"  This is probably the most difficult question I'm asked because there are so many factors that play into pricing commercial insurance. READ MORE >>

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