February 16, 2016
AgencyQuality Group Dental Insurance
Through our Partner United Concordia we offer a quality dental plan for groups of two or more employees. No waiting periods for any services, no participation requirements, can be used with any dentists, covers preventive basic and major services. Also includes Orthodontic benefit for children. www.ucci.com……..contact our office at (585) 224-8138 for more information and […]
March 16, 2016
AgencyUpdate on AFFORDABLE CARE ACT Provisions: The Latest Information for Employers
Update on Affordable Care Act Provisions & The Latest Information for Employers ACA & The latest Information for Employers Thanks to a recent Supreme Court Ruling, the Affordable Care Act has been declared constitutional as is, and will therefore stand in its current form until Congress takes action to change it. As a result of […]
March 17, 2016
AgencyConfused About Medicare-Based Health Insurance Options?
Confused About Medicare-Based Health Insurance Options? Congratulations, you are turning 65! Now you are eligible for Medicare… and suddenly you are knee-deep in insurance decisions you have to make with little or no information to guide you. What is Medicare Advantage? Do you need Medigap? Do you need a Part D plan and if so […]
March 23, 2016
AgencyTop Ten Social Security Tax Questions
Top 10 Social Security Tax Questions Top Ten Social Security Tax Questions There were several programs established by the Social Security Act to ensure individuals with disabilities and people who retire have supplemental income. It also established a program for survivors to receive a death benefit. Supplemental income from Social Security Keeps more than 40 […]
March 25, 2016
AgencyHow to Budget for Healthcare Costs in Retirement
How to Budget for Healthcare Costs in Retirement It’s fun to imagine a retirement filled with travel and leisure, and your retirement years could very well start out that way. But later on in retirement, there’s an increasing possibility that you will need a significant amount of healthcare services. You will also need to find […]
March 28, 2016
AgencySection 125 POP Document: The Penalties for Non-Compliance
Section 125 POP Document: The Penalties for Non-Compliance As many employers may be well aware by now, a Premium Only Plan (POP) or “Section 125” allows employees health insurance premiums to be deducted with the use of pre-tax dollars, thereby resulting in substantial tax savings for both parties. A lot of small and medium-sized businesses […]
April 5, 2016
Agency2016 Medicare Costs
2016 Medicare Costs Medicare Part A (Hospital Insurance) Costs Part A Monthly Premium Most people don’t pay a Part A premium because they paid Medicare taxes while working. If you don’t get premium-free Part A, you pay up to $411 each month. Hospital Stay In 2016, you pay ■ $1,288 deductible per benefit period ■ […]
May 3, 2016
Agency“Voluntary” Benefits Have Many Advantages!
Voluntary Benefits Have Many Advantages! With the rising cost of employee benefits, supplemental benefits, or “voluntary” benefits, provide employers the opportunity to fill in what is missing from existing programs. For companies already straining under the weight of growing health insurance costs, funding new benefits is simply not an option. Many employers have implemented a […]
August 3, 2016
AgencyLatest Medicare Updates for 2017!!
Latest Medicare Updates for 2017! Medicare 2017 – Newest Updates! 1) Medicare Part B: Under Medicare right now, seniors pay a $183 annual deductible for Medicare Part B, which is the out-patient Medical insurance part of Medicare. Most beneficiaries do not pay for Part A of Medicare, which is the hospital and skilled nursing benefits. […]
August 29, 2016
AgencyGet An Expert To Help!
Get An Expert To Help!! Get an Expert to Help! Washington: A recent article reported that premiums for New York insurance exchange plans will increase by almost 17% in 2017 (“State health costs surge” August 6). Many New Yorkers can’t Afford these hikes. They’ll seek to switch to more affordable plans. Insurance agents and brokers […]