Lowering Out-O-Pocket Healthcare Costs

Another Tool to Combat Rising Costs: the HSA

Let’s do our best to limit confusion. In our last post, we discussed the potential health care savings that can be realized through the use of a tool called an HRA, or Health Reimbursement Account. This post is dedicated to a similarly-named tool called a Health Savings Account, or HSA. …

Lowering Out-O-Pocket Healthcare Costs

How HRAs Can Help Companies Control Rising Healthcare costs

It’s hard to believe, but the end of 2015 is just a short time away. And for most companies, next year’s health insurance quotes echo those of the last few: Rising costs, with seemingly no end in sight. But the tools of the benefits trade are catching up with the …

2024 Pay or Play Affordability Percentage

1095 Reporting Problems? Payroll-Benefit Synergy Is the Answer

The moment of truth is soon approaching. After years of delays, the reporting requirements mandated by the Affordable Care Act (ACA) for large companies went into effect in 2015, and deadlines loom early next year for filing 1095 and 1094 forms. As a result, companies preparing to process these forms …

Top Consultant

Let Us Do the Heavy Lifting

One of the most challenging parts of our job is quantifying the benefits of the customer service offering clients can expect from the Creative Benefits’ Employee Service Representative (ESR) team!  How does one make this benefit tangible to a prospective client?  Sometimes our clients do our job for us!   …

2024 Pay or Play Affordability Percentage

Small Group Expansion Repealed

President Obama has just signed a bill that passed with strong bipartisan support that repeals a provision of the Affordable Care Act. The bill repeals a measure that would require employers with 51-100 employees to be designated as small employers in 2016. Economists and business and trade associations raised concerns …

Top Consultant

Trust Our ESR Team to Help

Maybe it’s time to change your HR strategy… we can help! At Creative Benefits, our Employee Service Representative (ESR) Team is available Monday – Friday with extended business hours! There is NO automated phone system here… each call gets answered by a live team member ready and willing to help. …

2024 Pay or Play Affordability Percentage

How to Minimize FMLA Abuse: ‘Trust, but Verify’

Approving and administering FMLA leaves is tricky business. On one hand, you want to do right by employees by allowing them the time they need (and are legally allowed) to recover from an illness or injury, and to help a family member do the same. On the other hand, you …

Lowering Out-O-Pocket Healthcare Costs

Being a Savvy Telemedicine Consumer, Living Well and Monthly Medicine

Featured in this newsletter is information about being a savvy consumer (telemedicine), living well and monthly medicine. Please share this with friends and family. Creative Benefits, Inc. brings you the second edition of the new and improved Wellness Newsletter, the Summer 2015 Employee Newsletter.  It continues to include wellness information …