Form 5500: What is a form 5500 annual report of employee benefit plan? Are you, as an employer, required to file a form 5500? What is a small employer plan? What is an unfunded plan? How do I file a form 5500? How many...

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Level Funding If you desire the freedom of a self-funded insurance plan but need a little more certainty for your budgeting concerns, level funding might be an option for you. Weigh the advantages and disadvantages and...

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This article is for you if you already have Medicare and want to know what has changed for 2022 and what to do about it. This article is specifically for people who already have a Medicare supplement standalone Medicare...

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When shopping for a Medigap, also known as a Medicare supplement, it can be tempting to choose a Medicare supplement based on the premium alone; however, many other factors can and should influence how much you pay for...

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Group Disability Insurance The primary purpose of disability income insurance is to partially replace the income of employees who cannot work because of an accident or illness. An employee may miss a few days of work...

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Group Life Insurance After Retirement Group term insurance plans were initially designed to give employees with preretirement life insurance coverage. Recently, however, a growing number of group life insurance policies...

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Group Life Insurance Life insurance is also known as the transfer of part of the financial loss because of a death of an insured person. After an insured’s death, the insurance company agrees to pay whatever the death...

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Group Medical Expense Benefits The primary goal of medical expense insurance is to protect against financial losses that can occur from medical bills because of an accident or some illness like cancer. Medical expense...

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Medicare supplement insurance, also referred to as Medigap, is available from private companies to supplement original Medicare. These Medicare supplement plans help you pay for some of the costs Original Medicare does...

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Medicare Part B: Medical Outpatient Insurance Part B covers medically necessary services or supplies needed to diagnose or treat your medical condition and meet accepted standards of medical practices. This includes...

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Part A covers your inpatient hospital care when a doctor admits you to a hospital that accepts Medicare to treat your illness or injury; this can include acute care hospitals if all required conditions are met. Critical...

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Medicare provides beneficial coverage for health-related expenses, but it does not cover all health care expenses. There are several gaps in Medicare coverage that you either pay for out of pocket or with a private...

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Medicare drug coverage helps pay for prescription drugs you need. Even if you don’t take prescription drugs now, you should consider getting Medicare drug coverage. Medicare drug coverage is optional and is offered to...

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Level Funded Health Plans For Small Business Group size is 5-300 enrolled employees. Health Plans that are tailored for small/medium businesses in West Virginia. A big concern for business owners in Beckley, West...

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Many employees have major medical coverage through Songer Benefits that protects against catastrophic medical expenses, with few exclusions. However, employees must often pay part of these medical expenses because of...

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Medigap for Medicare supplement Plan F is the most simple to explain. It fills all holes in Medicare parts A&B. This includes the part a deductible, daily hospital copays, skilled nursing facility Copays, and it...

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Employee Health Insurance Whether you are looking for a large group or small group coverage regarding employee health insurance, what are your concerns and needs? You want: The best healthcare solution for your...

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Generally speaking, there are three types of health care consumers. -Employees that rarely use their health insurance or other employee benefits. An HSA will allow them to save money and have money set aside for other...

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Is Obamacare health insurance, we get these questions frequently? The Affordable Care Act, aka "Obamacare," is not health insurance. It is a public exchange where individuals can see if they qualify for a subsidy to...

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Regardless of your company is large or small, we have the expertise to create comprehensive benefits solutions by balancing your goals with your employee needs. Health Insurance and other employee benefits can be among...

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Part A: Hospital Insurance that covers: Inpatient hospital and rehabilitation facility care, including X-Rays, surgeries, and radiation treatment. Skilled nursing facility, hospice, and home health care. Most people won'...

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Medicare Supplements, also understood as Medigap policies, are marketed by private insurance companies to assist you to pay for the out-of-pocket costs not covered by medicare. When you own a Medigap policy, Medicare...

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The 2020 America’s Health Rankings Annual Report from UnitedHealth Foundation finds improvements have been made in reducing adults with multiple chronic conditions and increasing the number of adults who received the...

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Trying to keep ‘healthier’ employees from becoming higher-cost claimants: a strategy for the total cost of care includes focusing on lower-cost claimants. When employers assess ways to control health care costs, one...

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UnitedHealthcare is waiving cost-sharing for COVID-19 inpatient treatment at in-network facilities for Individual and Group Market fully insured plans, as well as UnitedHealthcare Individual Exchange plans.Between Jan....

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Tri_Term_Medical_.pdf

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Level funding for small businesses in West Virginia is an increasingly attractive alternative to conventional funding that can accompany a self-funded plan, improving an employer’s ability to budget its health insurance...

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