Helping folks with noveau insurance technology.

Original Medicare (Parts A and B) is a government-run program that covers hospital and medical services with predictable core benefits. You typically pay Part B premiums, deductibles, and coinsurance, and many people add a Medigap plan to limit out-of-pocket costs plus a separate Part D plan for drugs. It offers broad, nationwide provider access (as long as providers accept Medicare) with no network restrictions, giving you flexibility to see any doctor or hospital that accepts Medicare. Drug coverage isn’t built in—you enroll in a separate Part D plan.

Medicare Advantage (Part C) is a private-plan alternative that bundles Part A and Part B, and most MA plans include or offer Part D drug coverage. These plans use networks (HMO/PPO) and may require referrals, but they often add extra benefits like dental, vision, hearing, wellness perks, and a yearly out-of-pocket maximum. Premiums vary, with some $0 plans available, but you’ll still pay Part B premiums. Travel or residency changes may affect coverage differently depending on the plan, and out-of-network benefits (if offered) can be limited.

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#OutOfPocketCosts • #HealthcareCosts • #MedicareCosts • #PrescriptionDrugs • #DrugCoverage
#HospitalInsurance • #MedicalInsurance • #VisionDentalHearing • #WellnessBenefits • #NetworkBasedCare
#TravelWithMedicare • #NationwideCoverage
#Seniors • #Retirees • #Boomers
#Medicare #MedicareAdvantage #MedicareTips
#MedicareChoices #OriginalMedicare #MedicareAdvantagePlans
#MedicareCosts #OutOfPocket
#DentalVisionHearing #WellnessPerks

Group Health Plan Advantages

Advantages of Group Health Plans Everything you need to know Choosing a group health plan for your business offers a range of valuable benefits for both employers and employees. Here’s why group health plans are a smart choice.

1. Cost Savings for Everyone Group health plans use risk pooling, which means premiums are often lower than individual plans. Employers usually contribute to the premium making healthcare more affordable for employees.

2. Comprehensive Coverage Group plans typically offer broad coverage including preventative care, prescription drugs, and coverage for pre-existing conditions. This means employees get access to the care they need.

3. Simplified Enrollment Enrolling in a group plan is straightforward, with defined periods and support from HR. This makes the process easier for everyone involved.

4. Attract and Retain Top Talent Offering group health insurance is a major perk that helps attract skilled candidates and keeps your current team happy.

5. Tax Benefits and Reduced Turnover Employers can benefit from tax deductions on contributions and enjoy lower employee turnover thanks to improved morale and productivity.

Consider a group health plan to support your team and your business.

If you'd like a quote:

Call Matt Boland 877-480-4325

 

#GroupHealthInsurance#EmployeeBenefits#Healthcare#HealthInsurance#Insurance#SmallBusiness (if targeting small businesses)#BusinessOwners (if targeting business owners)#OpenEnrollment#ACA (Affordable Care Act)#HealthPlans#HealthCoverage#WorkplaceWellness#BenefitsAdministration#EmployeeWellbeing#TeamHealth#HealthyWorkforce#InvestInYourPeople 

ICHRA Explained in Under a Minute

What is an ICHRA? An ICHRA is an Individual Coverage Health Reimbursement Arrangement. It lets organizations reimburse employees tax-free for individual health insurance premiums and qualified medical expenses. Employers set a monthly allowance. Employees buy their own health insurance and submit expenses for reimbursement. The employer pays back approved expenses up to the allowance amount. Flexibility 1 Employees pick the plan that fits their needs. Tax Advantages 2 Reimbursements are tax-free for both employers and employees. Customization 3 Employers can offer different allowances to different employee groups. Want to learn more: Matt Boland 877-480-4325 www.mminsuranceagency.com #ICHRA#HealthBenefits#Healthcare#HealthInsurance#EmployeeBenefits

New Employee Benefits Legislation BBB 2025 2026

What is the “One Big Beautiful Bill?” The “One Big Beautiful Bill” (OBBB) is a sweeping piece of legislation passed by Congress and signed into law on July 4, 2025. The bill carries serious implications across a wide range of sectors, including energy, defense, taxation, and employee benefits.

The article discusses the significant impact of the "One Big Beautiful Bill" (OBBB), a comprehensive piece of legislation passed by Congress on July 4, 2025. This bill introduces essential changes affecting employee benefits, particularly how they are taxed and who qualifies for them. HR and benefits leaders must adapt to these changes to maintain compliance and competitiveness in the workforce. The article outlines the key provisions of the OBBB, which include updates to health savings accounts (HSAs), telehealth policies, expanded eligibility for various plans, flexible spending account limits, and new student loan repayment assistance measures. The article also notes what proposals were omitted from the final version of the bill and provides recommendations for employers to adapt to the new regulations.

Key Points

1. Overview of OBBB:

   • A major legislation affecting various sectors, including employee benefits.
   • Represents significant updates to benefits-related tax laws.

2. Key Provisions Affecting Employee Benefits:

   • Health Savings Accounts (HSAs):

     • Enhanced flexibility and accessibility.
     • Permanent reinstatement of first-dollar telehealth coverage under HSA-qualified plans.
     • Expanded eligibility for ACA Bronze and Catastrophic plans as HDHPs.
     • Direct primary care (DPC) eligibility adjustments.

   • Flexible Spending Accounts (FSAs):

     • Dependent Care Flexible Spending Accounts’ limits increased to $7,500 starting in 2026.

   • Commuter Benefits:

     • Permanently eliminate tax-free bicycle commuting reimbursements.

   • Student Loan Repayment Assistance:

     • Permanently allows tax-free contributions up to $5,250 for employer-sponsored student loan payments.

   • Trump Accounts:

     • Introduces new tax-advantaged savings accounts for children, with federal and employer contribution opportunities.

   • Paid Family and Medical Leave (PFML):

     • Permanent expansion of the PFML tax credit for employers who offer paid leave.

3. Proposals Omitted from OBBB:

   • Changes to Individual Coverage Health Reimbursement Arrangements (ICHRAs) were not included.
   • Ambitious reforms to HSAs, including modifications for Medicare enrollees and increased contribution limits, did not make the final cut.

4. Recommendations for Employers:

• Audit current benefits to identify compliance issues.
• Review new contribution limits and eligibility rules.
• Educate HR and payroll teams on legislative updates.
• Clearly communicate changes to employees.
• Collect employee feedback on new benefits.
• Consider versatile benefits platforms for managing compliance with new regulations.
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• Want to learn more: www.MMinsuranveAgency.com 
• 877-480-4325