If you and your spouse both have group employee benefits through your employer(s), it is often confusing to decide how to handle this. Often times, one spouse waives health and dental coverage with their own employer’s plan knowing they have coverage with their spouses plan. However, many people don’t realize that you can ‘coordinate your benefits’ with […]
With increasingly new specialty drugs (e.g. for Cancer, Crohn’s Disease, etc.) arriving on the market, rising cost of prescription drugs and the aging population, employers are concerned about sustaining their benefits plan in the event a staff member or their dependants require costly treatment. Approximately 1 in 3 claimants have drug expenses over $1,000 and 1 in […]
Prescription medication – most everyone, at one time or another, requires prescription drugs. Maybe it’s just for the occasional bacterial infection or you require it for ongoing chronic care. Either way, you know how expensive prescription drugs can be! Many employers offer an Extended Health Care plan to their employees and share the cost of the plan. Then, when your […]
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